KR20200096749A - Method for Remitting Money between Mobile Device - Google Patents

Abstract

The present invention relates to a method for performing remittance between wireless terminals to enable a remitter to selectively perform only a remittance transaction approved by the remitter. According to the present invention, a method executed through a transaction server providing a remittance service executes a transaction procedure which comprises the following steps of: receiving remittance transaction request information including remittance amount information and recipient wireless terminal information input through a remitter wireless terminal; when recipient account information nominated to a recipient cannot be checked through information included in the remittance transaction information, forming and storing transaction particulars for processing a remittance transaction requested through the remittance transaction request information as a reception transaction; when access of a wireless terminal through a fixed path is checked, checking wireless terminal information uniquely identifying the wireless terminal whose access through the fixed path is checked and checking whether valid transaction particulars including the access-checked wireless terminal are stored; when the valid transaction particulars including the access-checked wireless terminal are stored, checking one or more pieces of recipient-related information through the recipient wireless terminal corresponding to the recipient wireless terminal information included in the stored valid transaction particulars; providing the recipient-related information to a server fixed to process real name authentication to request recipient real name authentication for processing a reception transaction using the stored transaction particulars and check a result of the recipient real name authentication; and when the recipient real name authentication is successful, using recipient account information nominated to the recipient and fixed by a real name-authenticated recipient and the transaction particulars to process the reception transaction of receiving an amount corresponding to the transaction particulars by the recipient account nominated to the recipient.

Description

Method for Remitting Money between Mobile Device {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 input through a remittance wireless terminal and recipient wireless terminal information, and the remittance transaction request information If it is not possible to verify the recipient account information in the recipient's name through the information included in the remittance transaction request information, a wireless terminal that configures and stores the transaction details for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction, and passes through a designated route When confirming the connection of, check the wireless terminal information that uniquely identifies the wireless terminal that has been accessed through the designated route, check whether valid transaction details including the connection-confirmed wireless terminal information are stored, and the connection is confirmed. When valid transaction details including wireless terminal information are stored, check one or more recipient-related information through the recipient wireless terminal corresponding to the recipient wireless terminal information included in the stored valid transaction details, and go to a designated server to process real name authentication. After requesting the real name authentication of the recipient to process the recipient transaction using the stored transaction details by providing the recipient-related information, the result of authenticating the recipient's real name is checked, and when the recipient's real name authentication is successful, the real name authenticated recipient It relates to a remittance method between wireless terminals performing a transaction procedure for processing a recipient transaction receiving an amount corresponding to the transaction details to a recipient account in the recipient's name using the recipient's account information in the specified recipient's name and the transaction details.

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

The communication identifier-based remittance service proposed so far uses the recipient's communication identifier instead of the recipient account number in the conventional non-face-to-face financial transaction method, except for the configuration of converting the recipient communication identifier to a previously stored recipient account number. In the face-to-face/non-face-to-face financial transaction method, the account-based remittance transaction procedure is followed. Here, the conventional remittance transaction procedure refers to withdrawing the remittance amount from the remittance account in response to the remittance transaction request and depositing it into the recipient's account (or the recipient's account converted from the recipient's communication identifier). The operating side becomes the operating entity of the remittance transaction and proceeds with the remittance transaction to the recipient's account.

On the other hand, the communication identifier-based remittance service has the feature that remittance transactions are provided even when the recipient does not disclose his or her account number to the sender, and thereby, any amount of fraudulent remittance transaction (e.g., bribery) may occur. Probability is implied. In order to block the remittance transaction with heartless intention as described above, the recipient should be given an opportunity to reject the remittance transaction. In the conventional remittance transaction procedure, the recipient does not have an opportunity to reject the remittance transaction at all.

If the recipient does not want the remittance transaction, the recipient has the inconvenience of having to proceed with a separate remittance transaction in which the remittance amount deposited into his or her account is returned and deposits into the remittance account. The transaction details are recorded in not only the transaction details of the remitter account but also the transaction details of the recipient account, so that it cannot be erased.

On the other hand, in order for the recipient of the remittance transaction to approve/reject the proceeding of the remittance transaction requested by the remitter, the remittance transaction must be interrupted, and the remittance must inquire of the interrupted remittance transaction to approve/reject it. Interrupting the unilateral remittance transaction in the middle of the account operating side is very difficult in the financial transaction practice, and even if the remittance transaction is interrupted, the court's request for the recipient to inquire about the unilateral remittance transaction progress at the remitter side. It is virtually impossible without orders.

An object of the present invention is a method executed through a transaction server for providing a remittance transaction, comprising: a first step of receiving remittance transaction request information including remittance amount information input through a remittance wireless terminal and information on a recipient wireless terminal; and The second step of constructing and storing transaction details for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction when it is not possible to confirm the recipient account information in the name of the recipient through the information included in the remittance transaction request information. When the connection of the wireless terminal via the specified route is confirmed, the wireless terminal information that uniquely identifies the wireless terminal that has been accessed through the specified route is checked, and valid transaction details including the connection-confirmed wireless terminal information are stored. In the third step of checking if there is a third step and when a valid transaction details including the connection-confirmed wireless terminal information is stored, at least one recipient-related information is checked through a recipient wireless terminal corresponding to the recipient wireless terminal information included in the stored valid transaction details. And, a fourth step of verifying the result of authenticating the real name of the recipient after providing the recipient-related information to a designated server to process the real name authentication, requesting real name authentication of the recipient to process the recipient transaction using the stored transaction details And a transaction for processing a receivable transaction to receive an amount corresponding to the transaction details in a recipient account in the recipient's name using the recipient's account information and the transaction details in the recipient's name designated by the real-name authenticated recipient when the recipient's real name authentication is successful. It is to provide a method for remittance between wireless terminals including a fifth step of performing a procedure.

In the method of remittance between wireless terminals according to the present invention, in a method executed through a transaction server providing remittance transactions, remittance transaction request information including remittance amount information input through the remittance wireless terminal and recipient wireless terminal information is received. When it is impossible to confirm the recipient's account information in the name of the recipient through the first step and the information included in the remittance transaction request information, configure the transaction details for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction. In the second step of storing and when confirming the connection of the wireless terminal through the designated path, the validity including the wireless terminal information uniquely identifying the wireless terminal that has been accessed through the designated route is checked, and the connection-confirmed wireless terminal information. In the third step of checking whether the transaction details are stored, and when valid transaction details including the connection-confirmed wireless terminal information are stored, at least one recipient wireless terminal corresponding to the recipient wireless terminal information included in the stored valid transaction details Confirm the recipient-related information, provide the recipient-related information to a designated server to process real-name authentication, request the recipient's real name authentication for processing the recipient transaction using the stored transaction details, and then verify the recipient's real name. In the fourth step of checking and when the real name authentication of the recipient is successful, the recipient's account information in the recipient's name designated by the real-name authenticated recipient and the transaction details are used to receive the amount corresponding to the transaction details into the recipient's account in the recipient's name. It characterized in that it comprises a fifth step of performing a transaction procedure to process the transaction.

In the remittance method between wireless terminals according to the present invention, the real name authentication is not a password-based authentication registered during the registration process of the recipient, but through a separate designated server for opening an account in the recipient's name or designating an account before the recipient's subscription. It characterized in that it is made including the self-authentication performed.

In the remittance method 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 remittance wireless terminal, and the remittance message is provided through the recipient wireless terminal information. It is characterized in that it is provided to the recipient wireless terminal through a transmitted transaction request message.

In the remittance method between wireless terminals according to the present invention, the transaction details include amount information for processing a remittance transaction requested through the remittance transaction request information as a remittance transaction and information on the recipient wireless terminal. do.

In the method of remittance between wireless terminals according to the present invention, the second step further comprises the step of setting and storing an expiration date for processing an incoming transaction in the transaction details.

In the remittance method between wireless terminals according to the present invention, when the validity period of the stored transaction details elapses, the step of automatically canceling the received transaction using the transaction details is characterized by further comprising.

In the remittance method between wireless terminals according to the present invention, further comprising processing to send a message inducing access to a wireless terminal through a designated path using the recipient wireless terminal information, and the third step, It characterized in that it further comprises the step of confirming the connection of the wireless terminal accessed through the designated path that is induced to access through the message.

In the method for remittance between wireless terminals according to the present invention, the fifth step comprises: requesting approval of the transaction details through the recipient wireless terminal, and authenticating the real name upon approval of the recipient transaction through the recipient wireless terminal. And performing a transaction procedure of processing a receivable transaction to a recipient account in the recipient's name by using the recipient's account information and the transaction details designated by the recipient.

In the method for remittance between wireless terminals according to the present invention, the fifth step includes the steps of checking m (m≥1) transaction details including information on the access confirmed recipient wireless terminal among the stored transaction details and the recipient Providing the confirmed m transaction details to a wireless terminal, and m'(1 ≤ m'≤ m) transactions approved for receiving transactions among the transaction details provided to the recipient wireless terminal upon approval of the recipient transaction through the recipient wireless terminal Including the step of performing a transaction procedure of a recipient transaction to receive an amount corresponding to the m'transaction details to a recipient account in the recipient's name using the details and the recipient account information in the recipient's name designated by the real-name authenticated recipient. It is characterized in that.

In the method of remittance between wireless terminals according to the present invention, in a method executed through a transaction server providing remittance transactions, remittance transaction request information including remittance amount information input through the remittance wireless terminal and recipient wireless terminal information is received. Receiving corresponding to the remittance transaction request information in the first step and when the recipient account information in the recipient's name cannot be verified through the information included in the remittance transaction request information and a virtual account in the recipient's name is not opened. The second step of configuring the transaction details for a transaction and setting and storing the valid period for processing the received transaction corresponding to the transaction details, and a recipient wireless terminal corresponding to the recipient wireless terminal information before the expiration of the stored transaction details When accessing to, check one or more recipient-related information through the recipient's wireless terminal, provide the recipient-related information to a designated server to process real-name authentication, and use the stored transaction details to conduct a recipient's account in the recipient's name. The third step of confirming the result of authenticating the real name of the recipient after requesting the real name authentication of the recipient for processing, and when the real name authentication of the recipient is successful, the recipient account information and the transaction details in the recipient's name designated by the real name authenticated recipient are used. Thus, it characterized in that it comprises a fourth step of performing a transaction procedure for processing the receivable transaction in the recipient's account in the name of the recipient.

In the remittance method between wireless terminals according to the present invention, the real name authentication is not a password-based authentication registered during the registration process of the recipient, but through a separate designated server for opening an account in the recipient's name or designating an account before the recipient's subscription. It characterized in that it is made including the self-authentication performed.

In the remittance method 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 remittance wireless terminal, and the remittance message is transmitted through the recipient wireless terminal information. It is characterized in that it is provided to the recipient wireless terminal through a transmitted transaction request message.

* In the remittance method between wireless terminals according to the present invention, information for receiving an amount corresponding to the remittance amount information of the remittance transaction request information to a recipient account in the name of a designated recipient even after communication with the remitter wireless terminal is terminated. It characterized in that it comprises.

In the remittance method between wireless terminals according to the present invention, when the validity period of the stored transaction details elapses, the step of automatically canceling the received transaction using the transaction details is characterized by further comprising.

In the method of remittance between wireless terminals according to the present invention, it is characterized in that it further comprises the step of confirming the connection of a recipient wireless terminal corresponding to the recipient wireless terminal information before the expiration of the stored transaction details.

In the method of remittance between wireless terminals according to the present invention, the step of processing to send a receivable transaction request message for inducing access to a recipient qualification using the recipient wireless terminal information before the expiration of the stored transaction details elapses, and the receivable transaction It characterized by further comprising the step of confirming the connection of the recipient wireless terminal in response to the receipt transaction request message at the recipient wireless terminal receiving the request message.

In the remittance method between wireless terminals according to the present invention, the fourth step includes: requesting approval of the transaction details through the recipient wireless terminal, and authenticating the real name upon approval of the recipient transaction through the recipient wireless terminal. And performing a transaction procedure of processing a receivable transaction to a recipient account in the recipient's name by using the recipient's account information and the transaction details designated by the recipient.

In the remittance method between wireless terminals according to the present invention, the fourth step includes m (m≥1) transaction details including information on a recipient wireless terminal corresponding to the connected recipient wireless terminal among the stored transaction details. Confirming and providing the confirmed m transaction details to the recipient wireless terminal, and receiving transaction approved m'(1 ≤ m) among the transaction details provided to the recipient wireless terminal when the recipient wireless terminal approves the transaction. Transaction procedure for receiving transactions to receive the amount corresponding to the m transactions to the recipient account in the recipient's name using'≤m) transactions and the recipient account information in the recipient's name designated by the real-name authenticated recipient It characterized in that it comprises the step of performing.

In the method of remittance between wireless terminals according to the present invention, in a method executed through a transaction server that provides remittance transactions, remittance transaction request information including remittance amount information and recipient wireless terminal information input through a remittance transaction In the first step of receiving and when the remittance transaction request information does not include recipient account information and the recipient account information registered in association with the recipient wireless terminal information included in the remittance transaction request information is unconfirmed, it is entered through the remittance's wireless terminal. After checking one or more recipient-related information through the recipient wireless terminal corresponding to the recipient wireless terminal information, and providing the recipient-related information to a designated server to process real-name authentication, requesting recipient real-name authentication to verify recipient account information A second step of verifying the result of authenticating the real name of the recipient and a third step of performing a transaction procedure for receiving the remittance amount through the recipient account information designated by the real name authenticated recipient upon success of the real name authentication of the recipient. It characterized in that it includes.

In the remittance method between wireless terminals according to the present invention, the real name authentication is not a password-based authentication registered during the registration process of the recipient, but through a separate designated server for opening an account in the recipient's name or designating an account before the recipient's subscription. It characterized in that it is made including the self-authentication performed.

In the remittance method 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 message includes information on the recipient wireless terminal. It is characterized in that it is provided to the recipient wireless terminal through a transaction request message sent through the recipient.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, the amount corresponding to the remittance amount information of the remittance transaction request information is received into a recipient account that is confirmed after the recipient's wireless terminal is connected. It characterized in that it further comprises the step of configuring and storing the transaction details for performing the transaction.

In the remittance method between wireless terminals according to the present invention, the steps of setting an expiration date for processing an incoming transaction using the stored transaction details and automatically canceling the receiving transaction using the transaction details when the expiration date elapses. It characterized in that it comprises more.

In the remittance method between wireless terminals according to the present invention, when receiving the remittance transaction request information, it is characterized in that it further comprises the step of confirming a connection of a recipient wireless terminal corresponding to the recipient wireless terminal information.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, a remittance transaction request message inducing access to a recipient qualification is sent using the recipient's wireless terminal information included in the remittance transaction request information. And confirming the connection of the recipient wireless terminal in response to the receipt transaction request message at the recipient wireless terminal receiving the receipt transaction request message.

In the remittance method between wireless terminals according to the present invention, the third step includes performing a transaction procedure of the receivable transaction using the remittance account information designated by the real-name authenticated recipient and the stored transaction details. It characterized in that it is made.

In the remittance method between wireless terminals according to the present invention, the third step includes m (m≥1) transaction details including information on a recipient wireless terminal corresponding to the connected recipient wireless terminal among the stored transaction details. Confirming and providing the confirmed m transaction details to the recipient wireless terminal, and when receiving transaction approval through the recipient wireless terminal, among the transaction details provided to the recipient wireless terminal, the receipt transaction approved receipt approved m'( And performing a transaction procedure of a receivable transaction to receive an amount corresponding to 1 ≤ m'≤ m) transaction details to the recipient account.

In the method of remittance between wireless terminals according to the present invention, in a method executed through a transaction server that provides remittance transactions, remittance transaction request information including remittance amount information and recipient wireless terminal information input through a remittance transaction The first step of receiving and the second step of confirming the connection of the recipient wireless terminal corresponding to the recipient wireless terminal information when the recipient account information is not included in the remittance transaction request information and the previously registered recipient account information is not confirmed, and the recipient wireless When checking the connection of the terminal, the recipient checks one or more recipient-related information through the connected recipient's wireless terminal and provides the recipient-related information to a designated server to process real-name authentication, requesting recipient real-name authentication, and then confirming the recipient's real name. A third step of checking the result of authentication and a fourth step of performing a transaction procedure for receiving the remittance amount through the recipient account information designated by the real name authenticated recipient upon success of the real name authentication of the recipient. do.

In the remittance method between wireless terminals according to the present invention, the real name authentication is not a password-based authentication registered during the registration process of the recipient, but through a separate designated server for opening an account in the recipient's name or designating an account before the recipient's subscription. It characterized in that it is made including the self-authentication performed.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, the amount corresponding to the remittance amount information of the remittance transaction request information is received into a recipient account that is confirmed after the recipient's wireless terminal is connected. It characterized in that it further comprises the step of configuring and storing the transaction details for performing the transaction.

In the remittance method between wireless terminals according to the present invention, the steps of setting an expiration date for processing an incoming transaction using the stored transaction details and automatically canceling the receiving transaction using the transaction details when the expiration date elapses. It characterized in that it comprises more.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, a remittance transaction request message inducing access to a recipient qualification is sent using the recipient's wireless terminal information included in the remittance transaction request information. And the second step comprises the step of confirming the connection of the recipient wireless terminal in response to the receipt transaction request message at the recipient wireless terminal receiving the receipt transaction request message. To do.

In the method for remittance between wireless terminals according to the present invention, in the third step, when confirming the connection of the recipient wireless terminal, the recipient-related information is provided to a designated server to request recipient real name authentication, and then the recipient's real name is authenticated. It characterized in that it comprises the step of confirming the result.

In the remittance method between wireless terminals according to the present invention, the fourth step includes performing a transaction procedure for the receivable transaction using the remittance account information designated by the real name authenticated recipient and the stored transaction details. It characterized in that it is made.

In the remittance method between wireless terminals according to the present invention, the fourth step includes m (m≥1) transaction details including information on a recipient wireless terminal corresponding to the connected recipient wireless terminal among the stored transaction details. Confirming and providing the confirmed m transaction details to the recipient wireless terminal, and when receiving transaction approval through the recipient wireless terminal, among the transaction details provided to the recipient wireless terminal, the receipt transaction approved receipt approved m'( And performing a transaction procedure of a receivable transaction to receive an amount corresponding to 1 ≤ m'≤ m) transaction details to the recipient account.

In the method of remittance between wireless terminals according to the present invention, in a method executed through a transaction server that processes remittance transactions, remittance transaction request information including remittance amount information and recipient wireless terminal information input through a remittance transaction The first step of receiving and a second step of constructing and storing transaction details for performing a receivable transaction in which an amount corresponding to the remittance amount information of the remittance transaction request information is received into a recipient account identified when the recipient's wireless terminal is connected; and When accessing the recipient's wireless terminal corresponding to the recipient's wireless terminal information, if the recipient's account information in the previously registered recipient's name is not verified, check one or more recipient-related information for authentication of the recipient's real name through the recipient's wireless terminal and separately The third step of processing the real name authentication of the recipient to designate the recipient account information in the recipient's name by providing the recipient-related information to the server that processes real name authentication of the recipient, and when the real name authentication of the recipient succeeds, it is designated by the real-name authenticated recipient. A fourth step of performing a transaction procedure of the recipient transaction using the recipient account information and the stored transaction details, and the third step is previously registered when the recipient wireless terminal corresponding to the recipient wireless terminal information is accessed. It characterized in that it further comprises the step of performing a transaction procedure of the recipient transaction using the confirmed recipient account information and the stored transaction details when the recipient account information in the recipient's name is confirmed.

In the remittance method between wireless terminals according to the present invention, the third step includes processing to send a remittance transaction request message for inducing access to a recipient qualification by using recipient wireless terminal information included in the remittance transaction request information. And when checking the connection of at least one wireless terminal, confirming whether the connection of the wireless terminal is a wireless terminal connection with a recipient qualification in response to a receipt transaction request message.

In the remittance method 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 received by the remitter. It is characterized by including the content of the input remittance message.

In the remittance method between wireless terminals according to the present invention, the recipient account is characterized in that it comprises a recipient virtual account opened under the name of the recipient.

In the remittance method between wireless terminals according to the present invention, the fourth step includes m (m≥1) transaction details including information on a wireless terminal authenticated as a recipient among the stored transaction details as recipient wireless terminal information. And providing the confirmed m transaction details to the recipient wireless terminal.

In the remittance method between wireless terminals according to the present invention, the steps of setting an expiration date for processing an incoming transaction using the stored transaction details and automatically canceling the receiving transaction using the transaction details when the expiration date elapses. It characterized in that it comprises more.

In the method of remittance between wireless terminals using a virtual account according to the present invention, in a method executed through a server providing a remittance transaction, the first step of opening a virtual account of a remitter requesting a remittance transaction and through the remitter's wireless terminal A second step of receiving remittance transaction request information including input remittance amount information and recipient wireless terminal information, and providing a wireless terminal that accesses as a recipient based on the remittance amount information and recipient wireless terminal information of the remittance transaction request information. A third step of configuring and storing the transaction details to be made in the sender's virtual account, and a fourth step of processing to send a receivable transaction request message inducing access to a recipient's qualification to a recipient wireless terminal corresponding to the recipient wireless terminal information; and When confirming the connection of the wireless terminal, identify whether the connection of the wireless terminal is a wireless terminal connection of the recipient's qualification, which is connected in response to the receipt transaction request message, and the wireless terminal connection of the identified recipient's qualification is actually performed using the recipient's wireless terminal information. In the fifth step of authenticating whether the recipient wireless terminal has received the receivable transaction request message, and when authenticating the recipient's qualification access of the recipient wireless terminal receiving the receivable transaction request message, a wireless terminal that has been authenticated as the recipient among the stored transaction details Through a sixth step of checking m (m≥1) transaction details including information as recipient wireless terminal information, a seventh step of providing the confirmed m transaction details to the recipient wireless terminal, and the recipient wireless terminal Including an eighth step of performing a remittance procedure of remittance of the remittance amount by opening a virtual account in the name of the remittee or checking a previously opened virtual account upon approval of the remittance receipt of the remittance amount, and the remittance transaction request information Is further comprising a remittance message directly input by the remitter through the remitter's wireless terminal, wherein the remittance transaction request message includes contents of the remittance message directly input by the remitter.

In the method for remittance between wireless terminals using a virtual account according to the present invention, further comprising the step of processing a mobile operator subscription authentication or a remitter's real name authentication for the wireless terminal of the sender, wherein the first step includes authentication of the mobile operator subscription It is characterized by opening a virtual account of the transferred sender.

In the method for remittance between wireless terminals using a virtual account according to the present invention, the method further comprises processing a communication company subscription authentication for the recipient wireless terminal or real name authentication for the recipient when the recipient wireless terminal is connected. To do.

In the method for remittance between wireless terminals using a virtual account according to the present invention, the eighth step is, based on the recipient's approval of receipt of the remittance amount, m'(1≤m'≤m It characterized in that it comprises the step of performing a remittance procedure for) number of transaction details.

In the method for remittance between wireless terminals using a virtual account according to the present invention, the eighth step is characterized in that the remittance procedure is performed according to a fund settlement procedure specified between a server providing the remittance transaction and a financial institution server affiliated with it. To do.

In the remittance system between wireless terminals using virtual account authority control according to the present invention, in the remittance system between wireless terminals using virtual account authority control of at least one remitter wireless terminal and a server connected to the recipient wireless terminal, the wireless terminal of the sender is A remitter virtual account opening means for opening virtual accounts in the names of N (N>1) remitters who are connected as remitters through the network as a remitter, and n(1) of the N remitters virtual accounts are charged Remittance transaction 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) remitter virtual accounts Based on the request receiving means and the received remittance transaction request information, n'sender's transaction details are formed and recorded in the ledger of the n'sender's virtual accounts, and the right to access the ledger for the sender's transaction details is the recipient Recipient wireless terminal verification means for checking the recipient wireless terminal information for which the subscriber's subscription status is authenticated by accessing as a recipient through the recipient's wireless terminal as a recipient through the recipient's virtual account operating means, and the recipient's wireless terminal information. Based on the result of the recipient qualification verification and the right to access the ledger of the remitter's transaction details of the n'remitter virtual accounts, the remitter's transaction details recorded in the ledger of the n'remitter virtual accounts are inquired to retrieve the recipient wireless terminal information. A transaction details transmission means for transmitting m (m≥1) transaction details including a remitter virtual account viewing unit, and m transaction details confirmed from the n'remitter virtual accounts to the recipient wireless terminal, and the recipient A transaction detail receiving means for receiving m'(1 ≤ m'≤ m) transaction details approved to receive the remittance amount from the m transaction details from the wireless terminal, and the m'transaction details are received, A recipient virtual account opening means for opening a recipient virtual account in the recipient's name (or confirming the recipient virtual account in the recipient's name previously opened), and the m' And a recipient virtual account operating means for debiting the remittance amount corresponding to the transaction details from the m'remitter virtual accounts and transferring them to the recipient virtual accounts.

According to the present invention, the remittance system between wireless terminals using the virtual account authority control authenticates the carrier subscription status of the remitter wireless terminal connected as a remitter through a telecommunication company server, and joins the carrier wireless terminal connected as a recipient It may further include a wireless terminal authentication means for authenticating the state.

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

According to the present invention, the system for remittance between wireless terminals using the virtual account authority control includes a remittance transaction requesting a remittance transaction to at least one recipient wireless terminal corresponding to the recipient wireless terminal information included in the n'sender's transaction details. A transaction request means may be further provided.

According to the present invention, in the remittance system between wireless terminals using the virtual account authority control, the transaction details receiving means m" (1≤m"≤(m-m')) in which receipt of the recipient is rejected from the recipient's wireless terminal. Receives the transaction details, and the remitter virtual account operation means sets the ledger access authority for the m” remitter's transaction details recorded in the remitter virtual account corresponding to the received m” transaction details to the recipient inaccessible state. I can.

In a wireless terminal connected to a server providing a remittance service between wireless terminals, a wireless terminal according to the present invention includes a server connection unit that connects to the server as a recipient through a communication network, and N(N>) opened on the ledger from the server. 1) Out of n (1≤n≤N) virtual accounts of the remitter, set in n'virtual accounts of the remitter that stores the transaction details of the remitter for the remittance transaction requested from the remitter's wireless terminal. A transaction record receiving unit that receives m (m≥1) transaction details inquired based on the recipient's access authority to the ledger, and m'(1 ≤ m'≤ m) receipt transaction approval transaction details among the m transaction details. An interface output unit for outputting a determined receipt transaction determination interface; a receipt transaction approval processing unit configured to transmit receipt transaction request information for requesting receipt transactions for the determined m'transactions to the server; and A receipt transaction result output unit is provided for receiving and outputting the receipt transaction result information for the receipt transaction request information.

According to the present invention, in the wireless terminal, the interface output unit configures the transaction details request information for inquiring the transaction details of the remitter of n'remitter virtual accounts for which the recipient's ledger access rights are set, and transmits it to the server. You can print more.

According to the present invention, in the wireless terminal, the reception transaction determination interface includes an interface for determining m" (1≤m"≤(m-m')) object transaction details to be rejected of the received m transaction details. In addition, the receipt transaction approval processing unit may configure receipt transaction rejection information for rejecting receipt transactions for the m" transaction details and transmit it to the server.

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

According to the present invention, the wireless terminal stores the electronic document when the m'transaction details are processed when the m number of receipt transaction electronic documents corresponding to the m transaction details are stored in the electronic document storage area. An electronic document erasing unit for erasing m'electronic documents for receipt transaction stored in the area may be further provided.

According to the present invention, in the case where m electronic documents for receipt transactions corresponding to the m transaction details are stored in the electronic document storage area, the wireless terminal m"(1≤m"≤( When the receipt transaction for the m-m')) number of receipt transaction electronic documents is rejected, an electronic document erasure unit for erasing the receipt transaction electronic document of m" stored in the electronic document storage area may be further provided.

According to the present invention, by maintaining the right to access the ledger of the remitter's virtual account requesting the remittance transaction in a recipient-accessible state, the recipient inquires the remitter's virtual account through his or her wireless terminal, The advantage is that only approved remittance transactions are processed selectively.

According to the present invention, there is an advantage in that a remittance transaction that is not approved by the recipient is not recorded in the recipient's account, thereby inducing a safe remittance transaction to the recipient.

1 is a diagram showing the configuration of a remittance system between wireless terminals according to an embodiment of the present invention.
2 is a diagram showing a functional configuration of a recipient wireless terminal according to an exemplary method of the present invention.
3 is a diagram illustrating a process of opening a virtual account for a remitter according to an exemplary method of the present invention.
4 is a diagram illustrating a process of requesting a remittance transaction by a remitter wireless terminal according to an exemplary method of the present invention.
5 is a diagram showing a process of processing a remittance transaction request from a remittance wireless terminal in a remittance transaction server according to an implementation method of the present invention.
6 is a diagram showing a process of inducing a receipt transaction for processing a remittance transaction according to an implementation method of the present invention.
7 is a diagram illustrating a process of approval/rejection of a receipt transaction for processing a remittance transaction according to an implementation method of the present invention.
8 is a diagram showing a process of processing a remittance transaction according to an implementation method of the present invention.

Hereinafter, the operating principle of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings and the description to be described below are for a preferred implementation method among various methods for effectively describing the features of the present invention, and the present invention is not limited only to the following drawings and description. 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, a detailed description thereof will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of users or operators. Therefore, the definition should be made based on the overall contents of the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following examples are a means for efficiently explaining the technical idea of the present invention to those of ordinary skill in the art to which the present invention belongs. Only.

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

In more detail, this figure 1 shows n'(1≤n'≤n) corresponding to a subset of n (1≤n≤N) virtual accounts that are charged with a certain amount among N (N>1) remitter virtual accounts. ) When a remittance request is made from the remittance wireless terminals 190 to at least one remittance wireless terminal 200, the recipient's access to the ledger access rights to the transaction details of the remitter corresponding to the remittance request through the n'remitter virtual accounts Remittance by selecting and approving m'(1≤m'≤m) remittance requests out of m (m≥1) remittance requests requested by the recipient among n'remittance transactions It shows a system configuration for processing a transaction, and for those of ordinary skill in the art to which the present invention belongs, various implementation methods for the configuration of the remittance system between wireless terminals by referring and/or modifying this Figure 1 (e.g. , Some components may be omitted, or subdivided, or combined implementation method), but the present invention includes all the inferred implementation methods, and the technical features of the implementation method only shown in this Figure 1 This is not limited.

For example, in Figure 1, each means constituting the remittance system between wireless terminals is shown in the remittance transaction server 100 in the form of a component of the remittance transaction server 100, but the means are the remittance transaction server 100 It is by no means limited to the components, and each means is implemented in a separate server form, or two or more means are combined to be implemented in a server form according to the intention of the person skilled in the art. It should be noted that it is possible to implement all of the components of the transaction server 100, and the present invention is not limited by the implementation method of the means.

According to the present invention, the remittance system between wireless terminals includes a remittance wireless terminal 190 used by N (N>1) remitters, and a recipient wireless terminal 200 used by a recipient who receives the remittance amount remitted by the remitter. And, after opening the N number of remitter virtual accounts in the ledger 170, n'remitters corresponding to the n number of remitter virtual accounts charged with a certain amount among the N remitters virtual accounts from the recipient wireless terminals ( 200), the right to access the ledger for the remittance request of the n'number of remitters' virtual accounts is granted to the recipient's wireless terminal (200), and the n'number of the'n' number of recipients' wireless terminals (200) without a separate recipient's virtual account It includes a remittance transaction server 100 for processing m'remittance requests approved by the recipient wireless terminal 200 among m remittance requests by inquiring the remitter virtual account. Here, the remittance wireless terminal 190 and the remittance wireless terminal 200 are named to distinguish the purpose of using the remittance service of the wireless terminal accessing the remittance transaction server 100, respectively, according to 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 mobile phone used by the remitter, and includes a wireless communication device used by a user who has accessed as a remitter among wireless terminals that access the remittance transaction server 100.

According to the implementation method of the present invention, the recipient wireless terminal 200 connects to the remittance transaction server 100 as the remitter, and through the remittance transaction server 100, the remitter in the name of the remitter is sent to the ledger 170. When a virtual account is opened and a certain amount is charged in the remitter's virtual account, remittance transaction request information including at least one remittance amount information, recipient wireless terminal 200 information, and remittance message in response to the remittance transaction request of the remitter. And a program configured and transmitted to the remittance transaction server 100.

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

According to the implementation method of the present invention, the recipient wireless terminal 200 accesses the remittance transaction server 100 in the recipient's capacity, and through the remittance transaction server 100, the N number of recipients opened in the ledger 170 Among the virtual accounts of the sender, the ledger 170 of the n'sender's virtual accounts for which the recipient's ledger access rights are set is searched to receive m transaction details corresponding to the sender's remittance request, and m'transactions among the m transaction details It has a program to approve the receipt of the remittance amount by selecting the details.

Referring to Fig. 1, the remittance transaction server 100 exchanges data by connecting a wireless terminal equipped with the program and a communication channel, and at the same time, is able to determine the remitter qualification or the recipient qualification of the user connected through the wireless terminal. It has an interface means 140 for identifying.

The interface means 140 connects a communication channel with a remitter wireless terminal 190 requesting a remittance transaction through a wireless communication network, and data between the remitter wireless terminal 190 and the remittance transaction server 100 through the communication channel An interface for transmitting/receiving is provided, and wireless terminal information corresponding to the remitter wireless terminal 190 is extracted during the connection process of the remitter wireless terminal 190 and provided to the wireless terminal authentication means 150.

According to the implementation method of the present invention, the interface means 140 is connected by manually executing the program in the wireless terminal, or when selecting a menu related to the remittance transaction request while connected through the program, the wireless Recognizing that the user who has accessed through the terminal has accessed as a remitter, the connected wireless terminal is determined as the remitter wireless terminal 190.

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

According to the implementation method of the present invention, the interface means 140 receives a remittance transaction request message corresponding to the remittance transaction request from the remittance wireless terminal 190 from the wireless terminal, and then accesses it in response, or the m When accessing in response to received transaction details, or outputting m transactions through the above program and accessing them, or selecting a menu related to a receipt transaction request while connected through the above program , Recognizing that the user who has accessed through the wireless terminal has accessed 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 the carrier subscription status of the remittance wireless terminal 190 accessed as a remitter through the telecommunications company server 180, and the recipient wireless terminal ( 200) and a wireless terminal authentication means 150 for authenticating the subscription status of the communication company.

When the wireless terminal information of the remitter wireless terminal 190 connected as a remitter through the interface unit 140 is obtained, the wireless terminal authentication means 150 reads the information on the remitter wireless terminal 190 Identify the communication service provider server 180 to which the terminal 190 is connected, and provide member information (or remitter information provided from the remitter wireless terminal 190) and information on the remitter wireless terminal 190 Provided to the communication company server 180, the communication company server 180 compares the member information of the sender (or the sender information) and the information of the sender's wireless terminal 190 with subscriber information, and then returns the result to the wireless terminal authentication means. Transfer to 150, and the wireless terminal authentication means 150 reads the authentication result, and the remitter (or remitter wireless terminal 190) authenticates the subscription status of the communication company.

Alternatively, when the wireless terminal information of the recipient wireless terminal 200 connected as a recipient through the interface unit 140 is obtained, the wireless terminal authentication means 150 reads the recipient wireless terminal 200 information and Identifies the communication company server 180 to which the terminal 200 is connected, and provides member information (or recipient information provided from the recipient wireless terminal 200) and recipient wireless terminal 200 information for the recipient wireless terminal 200 Provided to the communication company server 180, the communication company server 180 compares the recipient's member information (or recipient information) and the recipient wireless terminal 200 information with the subscriber information, and returns the result to the wireless terminal authentication means Transfer to 150, the wireless terminal authentication means 150 reads the authentication result, the recipient (or recipient wireless terminal 200) authenticates the subscription state of the communication company.

Referring to Fig. 1, the remittance transaction server 100 includes a remitter virtual account opening means 105 for opening a remittance virtual account in the name of N (N>1) remitters whose telecommunication company subscription status is authenticated, A remittance virtual account charging means 130 is further provided for withdrawing the remittance amount from the real account in the name of the remitter and filling the virtual account of the remitter.

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

Here, the ledger 170 in which the virtual account is opened is a ledger 170 provided in a financial company affiliated with the remittance transaction server 100, or interlocked 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 set to be possible.

If a virtual account in the name of the remitter is not opened in the ledger 170, the remitter virtual account opening means 105 considers the result of verifying the remitter's subscription status to the remitter's real name authentication for opening the virtual account, and the ledger At (170), a virtual account of the remitter is opened in the name of the remitter. Here, the real name authentication for opening a virtual account is not a real name authentication based on face-to-face authentication for opening a real account, but non-face-to-face authentication for opening a virtual account in which a certain amount will be charged from the sender's real account to provide remittance transactions. It means based real name authentication.

When the remitter virtual account is opened or the remitter virtual account previously opened in the name of the remitter is confirmed, the remitter virtual account charging means 130 checks whether the virtual account is charged with a certain amount for providing a remittance transaction. do. Here, the predetermined amount for providing the remittance transaction refers to an amount greater than a preset minimum charge amount when the remittance transaction occurs from the remittance wireless terminal 190, and the remittance transaction occurs from the remittance wireless terminal 190. Thereafter, it means an amount greater than the remittance amount corresponding to the remittance transaction.

If a certain amount is not charged in the remitter virtual account, the remitter virtual account charging means 130 is opened in a financial company using a virtual account charging interface output through a program provided in the remitter wireless terminal 190. A financial transaction is generated in which a recharge amount corresponding to the predetermined amount is withdrawn from a real account in the name of the remitter and charged into the virtual account of the remitter. According to another embodiment of the present invention, the remitter virtual account charging means 130 is the remitter through a payment means (e.g., credit card, debit card, prepaid card, gift certificate, etc.) of the remitter 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 a subset of n (1≤n≤N) remittance virtual accounts charged with a certain amount among the N remittance virtual accounts. Remittance transaction request receiving means 135 for receiving remittance transaction request information including remittance amount information and recipient wireless terminal 200 information from n'≤n) remittance wireless terminals 190, and the received remittance transaction request Based on the information, n'sender's transaction details are recorded in the ledger 170 of the n'sender's virtual accounts, and the sender's virtual account maintains the right to access the ledger for the transaction details of the sender in a recipient-accessible state. Receiving transaction request means for requesting a receivable transaction to at least one recipient wireless terminal 200 corresponding to the recipient wireless terminal 200 information included in the n'sender's transaction details, and having an account operation unit 110 It further includes (145).

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

When n'remittance transaction request information is received from the n'remittance wireless terminals 190, the remittance virtual account operating means 110 corresponds to the remittance amount included in the remittance transaction request information to the remittance virtual account. The transaction details of n'senders are configured to be set as a transaction amount item among the transaction details of the ledger 170, and the information of the recipient wireless terminal 200 as a transaction target item among the transaction details of the ledger 170. If the remittance message is included in the remittance transaction request information, the remittance virtual account operating means 110 sets the remittance message as a remittance item among the transaction details of the ledger 170, or a unique identification code in the remittance message. (E.g., a letter/number of possible digits recorded in the summary item) is assigned and recorded in a separate additional ledger 170, and then the unique identification code assigned to the remittance message is set as the relevant item among the transaction details of the ledger 170. I can.

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'remitter virtual accounts. It records the transaction details of the corresponding ledger 170, and maintains the ledger access authority for the transaction details of the sender recorded in the transaction details of the ledger 170 in a state that can be accessed in response to an inquiry request of the recipient. That is, transaction details of all accounts (or virtual accounts) can only be inquired at the request of the holder of the account, and a court order is required to inquire the account of another person, whereas the remitter virtual account operating means 110 Maintains the transaction details of the remitter's virtual account in a state in which inquiry is possible in response to an inquiry request of a recipient who has accessed as a recipient. Such setting of access rights to the transaction details of the remitter virtual account may be set through the terms and conditions contract of the remitter virtual account.

When the n'remitter's transaction details are recorded in the n'remitter virtual accounts, the remittance transaction request means 145 is a recipient wireless terminal corresponding to the transaction object of the n'remitter's transaction details ( 200) By constructing a receivable transaction request message for requesting a receivable transaction through inquiry of transaction details of the remitter virtual account to at least one recipient wireless terminal 200 corresponding to the information, the recipient is sent to the recipient wireless terminal 200 The wireless terminal 200 requests a receipt transaction for the transaction details of the n'senders.

Referring to Fig. 1, the remittance transaction server 100 is a recipient wireless terminal verification means for accessing the recipient wireless terminal 200 as a recipient and checking information on the recipient wireless terminal 200 whose communication company subscription status is authenticated. (165), based on the result of authenticating the recipient's qualification for the recipient wireless terminal 200 information and the ledger access rights to the transaction details of the remitter of the n'remitter virtual accounts, the ledger of the n'remitter virtual accounts ( 170), the remitter's virtual account viewing group 115, which checks m (m≥1) transactions including information on the recipient's wireless terminal 200 by inquiring the transaction details of the sender, and the n'senders It includes a transaction details transmission means 155 for transmitting the m transaction details confirmed from the virtual account to the recipient wireless terminal 200.

When at least one wireless terminal that has received the receipt transaction request message accesses as a recipient and performs a procedure for authenticating the carrier subscription status for the recipient (or recipient wireless terminal 200) through the wireless terminal authentication means 150 , The recipient wireless terminal identification means 165 checks whether the recipient qualification of the recipient (or recipient wireless terminal 200) is authenticated through the wireless terminal authentication means 150, and if the recipient qualification is authenticated, the recipient Check the information of the recipient wireless terminal 200 whose qualification is authenticated.

When the recipient wireless terminal 200 information is confirmed, the remitter virtual account viewing terminal 115 has the right to access the ledger from the ledger 170 based on the recipient qualification authentication result for the recipient wireless terminal 200 information. Check the n'virtual accounts of the remitters maintained, and transaction details of the sender recorded in the ledger 170 of the n'remitters virtual accounts based on the beneficiary's target ledger access rights for the n'remitters virtual accounts M to check the transaction details of m senders including the recipient wireless terminal 200 information in the transaction target item of the transaction details, and provide the confirmed transaction details of the sender to the recipient wireless terminal 200 It is determined by the transaction details of the dog.

When m transaction details including the recipient wireless terminal 200 information in the transaction target item of the transaction details are confirmed from the n'virtual accounts of remitters, the transaction details transmission means 155 is the n'remitter virtual account The m transaction details confirmed from are transmitted to the recipient wireless terminal 200, or a transaction details transmission message including the m transaction details is constructed and transmitted to the recipient wireless terminal 200.

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

In addition, the recipient wireless terminal 200 outputs a receivable transaction determination interface for determining m'transaction details to approve the receivable transaction among the m transaction details. If m'number of 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 FIG. 1, the remittance transaction server 100 includes m'(1≤m'≤m) transactions approved for receipt of the remittance amount from the recipient wireless terminal 200 among the m transaction details. Transaction details receiving means 160 for receiving details, and when the m'transaction details are received, a recipient virtual account opens a recipient virtual account in the name of the recipient (or confirms a recipient virtual account in the previously opened recipient name) An account opening means 120, and a recipient virtual account operating means 125 for withdrawing remittance amounts corresponding to the m'transaction details from the m'remittance virtual accounts and transferring them to the recipient virtual accounts.

When m'transaction details determined through the payment transaction determination interface are transmitted from the recipient wireless terminal 200, the transaction details receiving means 160 approves receipt of the remittance amount of the recipient from the recipient wireless terminal 200. When the m'transaction details are received and the m'transaction details are received, the recipient virtual account opening means 120 is a virtual account in the name of the recipient who will receive the remittance amount corresponding to the m'transaction details. Make sure it is open.

If a virtual account in the name of the recipient has not been opened, the recipient virtual account opening means 120 uses the wireless terminal authentication means 150 to verify the recipient's communication company subscription status verification result of the recipient for opening a virtual account. Regarding real name authentication, a recipient virtual account in the name of the recipient is opened in the ledger 170. That is, in this figure 1, the remitter virtual account is automatically opened based on the result of authentication of the remitter's telecommunication company subscription status before the remitter's request for remittance, and the recipient's virtual account is automatically opened before the remittance request. At the time when m'transaction details are received from the wireless terminal 200, it is checked whether or not it is opened, and it is selectively opened based on the result of authentication of the carrier subscription status of the sender of the recipient.

If the recipient's virtual account is opened in the recipient's name after receiving the m'transaction details from the recipient's wireless terminal 200, or if a recipient's virtual account previously opened under the recipient's name is confirmed, the recipient's virtual account is operated. The means 125 checks the m'virtual accounts of the remitter corresponding to the m'transaction details received from the recipient wireless terminal 200, and the recipient's ledger for the transaction details of the remitter of the m'virtual accounts A transfer transaction between virtual accounts in which m'remittance amounts included in the m'transaction details are transferred from the m'remittance virtual accounts to the recipient virtual accounts based on access rights is processed.

According to an exemplary method of the present invention, when the right to access the ledger of the recipient for the transaction details of the sender of the m'virtual accounts of the sender includes an automatic transfer authority, the recipient virtual account operating means 125 is the automatic transfer authority. Based on the m'remittance virtual accounts, the m'remittance amounts included in the m'transaction details are transferred to the recipient virtual accounts.

According to another embodiment of the present invention, the recipient virtual account operating means 125 sets the recipient virtual account as a virtual collection account, and then the recipient's transaction details of the m'number of remitter virtual accounts After configuring collection transaction information using the recipient virtual account as a virtual collection account based on the ledger access authority, m'included in the m'transaction details from the m'remitter virtual accounts using the collection transaction information The remittance amount can be transferred to the recipient's virtual account.

According to another embodiment of the present invention, when the virtual account of the remitter and the virtual account of the recipient are the same real account (for example, a real account of the remittance transaction server 100 operating institution, or a real account of a financial company) as a parent account, The recipient virtual account operating means 125 maintains the actual funds for the m'remittance amounts deposited in the mother account according to the fund settlement procedure between a plurality of virtual accounts and the mother account, and is based on the m'transaction details. By configuring m'transaction details of the recipient (e.g., transaction details received from m'remitter virtual accounts) to be recorded in the transaction details of the recipient virtual account and recording them in the transaction details of the recipient virtual account, The m'remittance amounts included in the m'transaction details may be transferred from the m'remittance virtual accounts to the recipient virtual accounts.

According to the implementation method of the present invention, when the m'remittance amounts included in the m'transaction details are transferred from the m'remittance virtual accounts to the recipient virtual account, the remittance virtual account operating means 110 comprises the The right to access the ledger for the m'sender's transaction details recorded in the sender's virtual account corresponding to m'transaction details can be set to be in a state of inaccessible to the recipient, whereby the sender's transaction details on which the transaction has been completed are no longer available to the recipient. Not viewed by

On the other hand, the recipient wireless terminal 200 that has received the m transaction details will reject the receipt transaction among the m transaction details (or m receipt transaction electronic documents stored in the electronic document storage area)” (1 ≤ An interface for determining m"≤(m-m')) transaction details may be output, or an interface for rejecting the receipt transaction may be included in the numerical transaction determination interface.

If m” of the m transaction details (or m e-documents of receipt transactions) are determined, the recipient wireless terminal 200 transmits m” transaction details for which the receipt transaction is rejected. , In this case, the transaction details receiving means 160 receives m" transaction details from the recipient wireless terminal 200 for which receipt of the recipient is rejected, and the remitter virtual account operating means 110 is the received m" Based on the right to access the ledger for 2 transaction details, it is possible to set the ledger access authority for the m” sender's transaction details recorded in the remitter's virtual account to the status of payee inaccessible. As a result, the transaction details of the sender whose transaction has been completed are no longer inquired by the recipient.

If the right to access the ledger of the m" sender's transaction details is set to the recipient inaccessible state, and it is clearly confirmed that the recipient's intention to reject the transaction for the m" remittance transactions is clearly confirmed, the remitter virtual account operating means 110 Transmitting a transaction cancellation message including the recipient's intention to reject the transaction to the remitter wireless terminal 190 through the interface unit 140, and in response to the transaction cancellation message, the remittance transaction request When a certain period of time has elapsed after cancellation (or suspension) or the transfer of the transaction cancellation message to the remitter's wireless terminal 190, the transaction details of the m” senders whose receivable transactions have been canceled by the recipient are stored in the ledger of the remitter's virtual account. Either delete it from (170) or attach a transaction cancellation flag to identify it to be distinguished from other transaction details.

2 is a diagram showing a functional configuration of a recipient wireless terminal 200 according to an exemplary method of the present invention.

In more detail, this figure 2 is one of the N remittance virtual accounts opened in the ledger 170 in response to a remittance transaction request from the remittance transaction server 100 and accessing the remittance transaction server 100 as a recipient. By inquiring the ledger 170 of virtual accounts of n'senders for which the beneficiary's ledger access rights are set, it receives m transaction details corresponding to the sender's remittance request, and selects m'transaction details from among the m transaction details. As a diagram showing the functional configuration of the recipient wireless terminal 200 including a program configuration that approves the receipt of the remittance amount, those of ordinary skill in the technical field to which the present invention belongs, refer to and/or modify this Figure 2 For the remittance transaction between the wireless terminals, various implementation methods for functions provided in each wireless terminal may be inferred, but the present invention includes all of the inferred implementation methods, and the implementation method shown in FIG. However, the technical features are not limited.

For example, a person of ordinary skill in the technical field to which the present invention belongs, accesses the remittance transaction server 100 as a remitter by referring and/or modifying this drawing 2, and through the remittance transaction server 100 When a remitter virtual account in the name of the remitter is opened in the ledger 170 and a certain amount is charged in the remitter virtual account, the remitter wireless terminal 190 that configures remittance transaction request information and transmits it to the remittance transaction server 100 It will be possible to derive the program configuration of, and it will be apparent that the program configuration of the remitter wireless terminal 190 and the program configuration of the recipient wireless terminal 200 shown in this figure 2 are implemented as one program configuration. FIG. 2 will be described by showing the configuration of a program provided in the recipient 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 USIM 250, and a battery 230 for power supply, and are added to a mobile phone or smartphone corresponding to the wireless terminal At least one terminal configuration unit may be further provided according to the function.

The control unit 205 is a generic term for functional configurations that control the operation of the wireless terminal, includes at least one processor and an execution memory, and is connected to each functional configuration unit provided in the wireless terminal through a bus. . According to the present invention, the control unit 205 loads and calculates at least one program code provided in the wireless terminal through the processor to the execution memory, and transfers the result to at least one functional configuration unit through the bus. Thus, the operation of the wireless terminal is controlled. Hereinafter, for convenience, a functional configuration unit implemented in the form of a program code in order to implement the present invention will be illustrated and described in the control unit 205 of FIG. 2.

The memory unit 255 is a generic term for a nonvolatile memory provided 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 the operating system of the wireless terminal, a communication program code and a communication data set, and at least one application program code for processing the wireless communication connection of the wireless terminal. An application data set is stored, and a program code and a data set for implementing the present invention are also stored in the memory unit 255.

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

The screen output unit 210 is composed of a screen output device (eg, a liquid crystal display (LCD) device) and an output module that drives it, and is connected to the control unit 205 by a bus to perform various operations of the control unit 205 Among the results, an operation 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 interlocking with the screen output unit 210) and an input module driving the same, and the control unit 205 and It is connected by a bus and inputs a command for instructing various operations of the control unit 205 or inputs data necessary for the operation of the control unit 205.

The sound output unit 220 is composed of a speaker that outputs a sound signal and a sound module that drives the speaker, and 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 result of the operation is output through the speaker. The sound module decodes sound data to be output through an existing speaker and converts it into a sound signal.

The sound input unit 225 includes a microphone that receives a sound signal and a sound module that drives the microphone, and transmits sound data input through the microphone to the control unit 205. The sound module encodes and encodes a sound signal input through the microphone.

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

According to the implementation method of the present invention, the wireless communication unit 235 includes a mobile communication configuration for performing at least one access to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to CDMA/WCDMA standards. do. Meanwhile, according to the intention of a person skilled in the art, the wireless communication unit 235 is configured with IEEE 802.16? A portable Internet communication configuration that performs at least one connection to the mobile Internet, location registration, data communication, and handoff according to the standard may be further included, 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 composed of a short-range communication module that connects a communication session using a radio frequency signal as a communication medium within a certain distance, and preferably, RFID communication, Bluetooth communication, Wi-Fi communication, and public communication according to ISO 180000 series. It may include at least one of wireless communication. According to an exemplary method 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 exchanging at least one data set with a Universal SubscriberIdentity Module mounted or detached from the wireless terminal based on ISO/IEC 7816 standards, and the data The sets are exchanged in half-duplex communication through an Application Protocol Data Unit (APDU).

The USIM 250 is a SIM-type card equipped with an IC chip according to the ISO/IEC 7816 standard, an input/output interface including at least one contact connected to the USIM reader 245, and at least one IC By calculating the IC chip program code or extracting (or processing) the IC chip program code according to at least one command transmitted from the wireless terminal connected to the IC chip memory and connected to the input/output interface to store the chip program code and data set. It includes a processor that transmits to the input/output interface.

The input/output interface includes at least one of a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and an input/output (I/O). , The processor interfaces with the USIM reader unit 245 through the contact point. The IC chip memory stores a system program code and system parameters corresponding to the operating system of the IC chip and at least one security module, and includes at least one communication parameter necessary for accessing the wireless communication network of the wireless terminal in a fixed storage area. It stores SIM (Subscriber Identity Module) information. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (e.g., SD (Security Domain) for storing 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 connecting to the remittance transaction server 100 as a recipient through a communication network, and a ledger 170 from the remittance transaction server 100. ) Of the N (N>1) remitter virtual accounts opened with a certain amount of the remitter's virtual account, and the remittance transaction requested from the remitter's wireless terminal 190 It has a transaction details receiving unit 265 that receives m (m≥1) transaction details inquired based on the beneficiary's ledger access rights set in the n'remitters virtual accounts storing, and the beneficiary's ledger access rights are set. Further comprising an interface output unit 270 for outputting a receivable transaction request interface transmitted to the server by configuring transaction details request information for inquiring transaction details on the remitter side of n'remitter virtual accounts, or the received m transactions An electronic document storage unit 285 is further provided for configuring m electronic documents for receipt transactions corresponding to the details and storing them in the electronic document storage area.

The server connection unit 260 receives a remittance transaction request message corresponding to the remittance transaction request from the remittance transaction server 100 from the remittance transaction server 100 and then accesses the remittance transaction server 100 in response thereto. Or, or 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 transaction details, and then the remittance transaction server By connecting to (100) or by transmitting to the remittance transaction server 100 that a menu related to a receipt transaction request is selected through the key input unit 215 while the remittance transaction server 100 and the communication channel are connected, The recipient wireless terminal 200 is connected to the remittance transaction server 100 as a recipient.

Thereafter, the remittance transaction server 100 authenticates the carrier subscription status of the recipient wireless terminal 200 through the communication company server 180 to which the recipient wireless terminal 200 is connected, and the recipient (or the recipient wireless terminal 200) ), and the authentication result is shared with the recipient wireless terminal 200.

The interface output unit 270 is n'of the n remitter virtual accounts charged with a certain amount from the ledger 170 in which the N remitter virtual accounts are opened, and the accessibility status of the recipient is maintained by the remittance transaction request. It is possible to output a receivable transaction request interface that is transmitted to the remittance transaction server 100 by configuring transaction detail request information for inquiring the ledger 170 of the n'remittance virtual accounts holding transaction details of the remittance. Here, the remittance transaction request interface is implemented in the form of an interface that obtains the recipient's approval for requesting and receiving the m transaction details from the remittance transaction server 100.

After the transaction details request information is transmitted to the remittance transaction server 100, the transaction details receiving unit 265 provides the recipient's right to access the ledger through the transaction details request information from the remittance transaction server 100. The ledger 170 of the remitter's virtual account is inquired to receive the confirmed m transaction details. Here, the m transaction details of private interests are transaction details including the recipient wireless terminal 200 information in the transaction target item among the transaction details of the remitter of the n'remitter virtual accounts.

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

Here, the receivable transaction electronic document is a data file configured by substituting the remitter wireless terminal 190 information (or remitter virtual account information), remittance amount information, and transaction details reception date information into a preset electronic document data structure, or Includes a document file constructed by substituting the set electronic document format. If a remittance message is included in the received transaction details, the remittance transaction electronic document may further include the remittance message. Or, if the validity period of the receivable transaction is set for the received transaction details, the e-document of the receivable transaction is valid after the validity period (or transaction expiration date) and the expiration date (or transaction expiration date) to approve/reject the transaction. It may further include an automatic transaction condition (eg, a condition to automatically approve the receipt transaction or automatically reject the receipt transaction).

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

* Referring to Fig. 2, the recipient wireless terminal 200 outputs an interface for outputting a receivable transaction determination interface for determining m'(1 ≤ m'≤ m) receipt transaction approval transaction details among the m transaction details. A unit 270, a receipt transaction approval processing unit 275 for configuring receipt transaction request information for requesting receipt transactions for the determined m'transactions and transmitting it to the remittance transaction server 100, and the remittance transaction server A receipt transaction result output unit 280 for receiving and outputting the receipt transaction result information for the receipt transaction request information from 100, and when the receipt transaction for the m'transactions is processed, the electronic document storage area It further includes an electronic document erasing unit 290 for erasing the m'electronic documents for receipt transaction stored in the.

When m transaction details are received from the remittance transaction server 100, or the m electronic documents for receipt transactions are stored in the electronic document storage area, the interface output unit 270 provides the m transaction details (or receipts). Transaction e-documents), and further display detailed transaction information on the transaction details (or receivable transaction electronic documents) selected from the list, and receive among the m transaction details (or receivable transaction electronic documents). Outputs an incoming transaction decision interface that determines m'transaction details to approve the transaction. For example, the receivable transaction determination interface may include a check box interface for selecting m'transaction details (or receivable transaction electronic documents) out of m transaction details (or receivable transaction electronic documents).

According to the implementation method of the present invention, the interface output unit 270 includes m"(1≤m"≤(m-m')) of the m transaction details (or receipt transaction electronic documents) to reject the receipt transaction. An interface for determining transaction details may be further output, or an interface for determining the m” receipt transaction rejection transaction details may be further included in the acceptance transaction determination interface for determining the m'receipt transaction approval transaction details. .

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

After receiving the remittance transaction request information, the remittance transaction server 100 checks (or opens) the recipient virtual accounts in the name of the recipient, and then displays the transaction details of the m'sender virtual accounts corresponding to the m'transaction details. Based on the recipient's right to access the ledger, after processing the transfer transaction between virtual accounts in which m'remittance amounts are transferred from the m'virtual accounts of the sender to the recipient's virtual account, receipt corresponding to the transfer transaction between the virtual accounts The transaction result information is transmitted to the recipient wireless terminal 200.

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

When the remittance transaction result information is received from the remittance transaction server 100, the electronic document erasing unit 290 includes m'corresponding to the receivable transaction result information among m receivable transaction electronic documents stored in the electronic document storage area. The electronic documents for receipt transaction are deleted, or the m'electronic documents for receipt transaction are transferred to an electronic document storage area for storing the electronic document on which the receipt transaction is completed.

If it is determined through the interface output unit 270 that m” of the receipt transaction rejection transaction details among the m transaction details (or the receipt transaction electronic document), the electronic document deletion unit 290 is stored in the electronic document storage area. Deletes the m" receipt transaction e-documents from among the stored m receipt transaction e-documents, or transfers the m" receipt transaction e-documents to an e-document storage area that stores the e-documents rejected receipt transaction. .

3 is a diagram illustrating a process of opening a virtual account for a remitter according to an exemplary method of the present invention.

In more detail, this figure 3 identifies the wireless terminal accessing as a sender as the sender's wireless terminal 190 and authenticates the carrier subscription status through the carrier server 180, and then opens a virtual account with the result of verifying the carrier subscription status. It shows the process of opening a virtual account in the name of the sender by considering it as real name authentication for the purpose of the present invention.If a person with ordinary knowledge in the technical field to which the present invention belongs, refer to and/or modify this Figure 3 to open the virtual account of the sender Various implementation methods for the process (e.g., some steps are omitted or the order is changed) may be inferred, but the present invention includes all the inferred implementation methods, and is shown in FIG. The technical characteristics are not limited only by the implementation method.

Referring to Fig. 3, when a program is driven in a wireless terminal and connected to the remittance transaction server 100 shown in Fig. 1 as a remitter through a communication network (300), the interface means 140 is the remitter wireless terminal (190). ) And the communication channel, and identify that the remitter wireless terminal 190 is connected as a remitter (305). According to the implementation method of the present invention, the interface means 140 is connected by manually executing the program in the wireless terminal, or when selecting a menu related to the remittance transaction request while connected through the program, the wireless Identifies that the user accessed through the terminal has accessed as a sender.

If it is identified that the wireless terminal is connected as a remitter (310), the wireless terminal authentication means (150) acquires information on the remitter wireless terminal (190) that is connected as the remitter, and the remitter wireless terminal (190) After confirming the remitter information for and identifying the carrier corresponding to the remitter wireless terminal 190 (315), the remitter wireless terminal 190 information and the remitter information are transmitted to the telecommunication company server 180 (Or the wireless terminal 190 of the remitter) authenticates the subscription status of the carrier (320).

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

On the other hand, if the remitter (or remitter's wireless terminal 190)'s subscription status is authenticated (325), the remitter's virtual account opening means 105 queries the ledger 170 to determine the status of the remitter's subscription It is checked whether a virtual account of the sender is opened (335).

If the remitter's virtual account in the name of the remitter is not verified (340), the remitter's virtual account opening means 105 considers the result of authenticating the remitter's telecommunications company subscription status as real name authentication for opening a virtual account, and the ledger 170 In step 345, a virtual account of the remitter is opened in the name of the remitter.

On the other hand, if the remitter's virtual account in the name of the remitter is confirmed (340) or the remitter's virtual account is newly opened through the remitter's virtual account opening means (105) (345), the remitter's virtual account charging means (130) It is checked whether the virtual account of the remitter is charged with a certain amount for processing the remittance transaction (350).

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

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

In more detail, this figure 4 shows that when the wireless terminal 190 of the remitter is authenticated and a virtual account is opened in the remitter's name, the remittance is transferred through a program from the remitter's wireless terminal 190. It shows the process of configuring the transaction request information and transmitting it to the remittance transaction server 100 shown in Fig. 1, and those of ordinary skill in the art to which the present invention belongs, refer to Fig. 4 and/or By modifying, various implementation methods for the remittance transaction request process (e.g., some steps are omitted or the order is changed) may be inferred, but the present invention includes all the inferred implementation methods, The technical features are not limited only to the implementation method illustrated in FIG. 4.

Referring to Figure 4, when a remitter virtual account is opened in the name of the remitter and a certain amount is charged in the remitter virtual account, the program of the remitter wireless terminal 190 accessed as a remitter is remittance based on the remitter qualification authentication. Outputs an interface for inputting transaction request information (400), and when the interface is output (405), the remittance amount and recipient wireless terminal 200 information are input and processed through the interface (410), and 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, and in this case, the remittance transaction request information further includes the remittance message.

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

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

In more detail, FIG. 5 shows n'corresponding to the remittance transaction request information received from n'wireless terminals 190 through the process shown in FIG. 4 in the remittance transaction server 100 shown in FIG. It shows the process of configuring the transaction details of the remitters and recording them in the transaction details of the virtual accounts of the n'remitters, but maintaining the ledger access rights of the transaction details of the n'remitters in a recipient-accessible state. For those of ordinary skill in the relevant technical field, various implementation methods for the process of processing the remittance transaction request by referring and/or modifying this Figure 5 (e.g., some steps are omitted or the order is changed) ) May be inferred, but the present invention includes all of the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. 5.

Referring to Figure 5, the remittance transaction request receiving means 135 includes n remittances charged with a certain amount among the N remittance virtual accounts opened in the ledger 170 through the process shown in Figure 3. N'remittance transaction request information is received from the n'remittance wireless terminals 190 corresponding to the subset (500).

If the n'remittance transaction request information is received (505), the remitter virtual account operating means 110 configures n'remittance transaction details based on the received n'remittance transaction request information ( 510), the configured n'sender's transaction details are recorded in the ledger 170 of the n'sender's virtual accounts (515), and the ledger access rights for the n'sender's transaction details are made accessible to the recipient. Maintain (520).

The receivable transaction request means 145 transmits a receivable transaction request message to the recipient wireless terminal 200 corresponding to the recipient wireless terminal 200 information included in the n'sender's transaction details (525).

Fig. 6 is a diagram showing a process of inducing a receipt transaction for processing a remittance transaction according to an implementation method of the present invention.

In more detail, FIG. 6 shows the status of the recipient wireless terminal 200 as a recipient by accessing the remittance transaction server 100 illustrated in FIG. 1 as a recipient in the recipient wireless terminal 200 illustrated in FIG. After authentication, m transactions including information on the recipient wireless terminal 200 among n'recipient-side transaction details maintained in a recipient accessible state through the process shown in FIG. 5 are transferred to the recipient wireless terminal 200 It shows the process of transmitting to, and those of ordinary skill in the art to which the present invention belongs, refer to and/or modify this Figure 6 to perform various methods for the process of inducing the receipt transaction (e.g., some steps are It is possible to infer the implementation method that is omitted or the order has been changed), but the present invention includes all the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG.

Referring to Figure 6, the recipient wireless terminal 200 is a remittance transaction server 100 shown in Figure 1 as a recipient through a communication network in response to a receipt transaction request message transmitted through the process shown in Figure 5. In response to this, the interface means 140 connects the recipient wireless terminal 200 with a communication channel and identifies that the recipient wireless terminal 200 is connected as a recipient (605).

If it is identified that the recipient wireless terminal 200 is connected as a recipient (610), the wireless terminal authentication means 150 obtains information on the recipient wireless terminal 200 connected as the recipient, and the recipient wireless After confirming the recipient information for the terminal 200, identifying the communication company corresponding to the recipient wireless terminal 200 (615), the recipient wireless terminal 200 information and the recipient information are sent to the communication company server 180 By transmitting, the subscriber (or receiver's wireless terminal 200) is authenticated (620).

*

*

*

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

On the other hand, when the carrier subscription status of the recipient (or receiver wireless terminal 200) is authenticated (625), the receiver wireless terminal verification means 165 checks information on the recipient wireless terminal 200 whose carrier subscription status is authenticated, and (635), the remitter virtual account viewing unit 115 is based on the ledger access rights set in the transaction details of n'remitter virtual accounts through the process shown in Fig. The transaction details of the sender are inquired, and the m number of recipient-targeted transactions including the recipient wireless terminal 200 information as a transaction target item of the transaction details are checked (640).

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

On the other hand, when the m number of recipient target transaction details are confirmed (645), the transaction details transmission means 155 transmits the confirmed m number of transaction details to the recipient wireless terminal 200 (655).

7 is a diagram showing a process of approval/rejection of a receipt transaction for processing a remittance transaction according to an implementation method of the present invention.

In more detail, FIG. 7 is a diagram of the figure 1 by determining the m'number of receipt transaction approval transactions among the m transactions received through the process shown in FIG. 6 from the recipient wireless terminal 200 shown in FIG. The process of transmitting to the remittance transaction server 100 shown in FIG. and the m" of the remittance transaction rejection transaction details are determined by the recipient wireless terminal 200 and transmitted to the remittance transaction server 100 to transmit the m" receipt transactions. As showing the process of rejecting, if a person of ordinary skill in the art to which the present invention belongs, various implementation methods for the approval/rejection process of the receipt transaction by referring and/or modifying this Figure 7 (e.g., Some steps may be omitted, or the implementation method in which the order has been changed) may be inferred, but the present invention includes all of the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. No.

Referring to Fig. 7, the program of the recipient wireless terminal 200 receives the m transaction details transmitted through the process shown in Fig. 6 (700), and receives the received transaction details for the m transactions. After configuring the document and storing it in the electronic document storage area (705), the receipt transaction determination interface for the m transaction details is output (710), and m'of the m transaction details are displayed through the receipt transaction determination interface. The transaction details of the receipt transaction approval are determined (720). If the m'number of receipt transaction approval transaction details are determined (720), the program of the recipient wireless terminal 200 configures receipt transaction request information for the determined m'transaction details, and the remittance transaction server 100 It is transmitted to (725).

Meanwhile, the program of the recipient wireless terminal 200 checks whether m" receipt transaction rejection transaction details are determined among the m transaction details through the addressee determination interface (730), and if the m" receipt transaction rejection transaction details When it is determined (735), the receipt transaction rejection information for the m" receipt transaction rejection transaction details is configured and transmitted to the remittance transaction server 100 (740), and the transaction details receiving means 160 is the recipient Receiving the m" receipt transaction rejection transaction details from the wireless terminal 200 (745), and the remitter virtual account operating means 110 grants the right to access the ledger for the transaction details of the m" remitter in a state in which the recipient cannot access In step 750, the program of the recipient wireless terminal 200 deletes m" receipt transaction electronic documents from among the m receipt transaction electronic documents stored in the storage area (755).

Figure 8 is a diagram showing a remittance transaction processing process according to an implementation method of the present invention.

In more detail, FIG. 8 shows that when m'number of receipt transaction approval transaction details are received from the recipient wireless terminal 200 through the process shown in FIG. 7, the remittance transaction server 100 shown in FIG. It shows the process of processing a remittance transaction in which m'remittance amounts are transferred from the m'virtual accounts of the sender to the recipient's virtual accounts based on the right to access the ledger for the'number of transactions', in the technical field to which the present invention belongs. Those of ordinary skill in the art will be able to infer various implementation methods for the remittance transaction processing process (e.g., some steps are omitted or the order is changed) by referring and/or modifying this Figure 8 , The present invention includes all the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. 8.

Referring to Fig. 8, the transaction details receiving means 160 receives m'received transaction approval transaction details transmitted from the recipient wireless terminal 200 through the process shown in Fig. 7 (800), and the recipient The virtual account opening means 120 checks whether a recipient virtual account in the name of the recipient has been opened by inquiring the ledger 170 (805).

If the recipient virtual account in the name of the recipient is not confirmed (810), the recipient virtual account opening means 120 considers the result of authenticating the recipient's communication company subscription status as real name authentication for opening a virtual account, and the ledger 170 In step 815, a recipient virtual account under the recipient's name is opened.

On the other hand, if the recipient virtual account in the name of the recipient is confirmed (810) or the recipient virtual account is newly opened through the recipient virtual account opening means 120 (815), the recipient virtual account operating means 125 Based on the ledger access rights of the m'remittance virtual accounts, m'remittance amounts corresponding to the m'transaction details are transferred from the m'remittance virtual accounts to the recipient virtual accounts (820).

If the m'transfer transactions are completed (825), the remitter virtual account operating means 110 sets the ledger access authority to the transaction details of the m'transferees in which the transfer transaction has been completed (830) , The recipient virtual account operating means 125 configures the received transaction result information for the m'transfer transactions and transmits it to the recipient wireless terminal 200 (835).

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

105: remitter virtual account opening means 110: remitter virtual account operating means
115: Sender's virtual account number of views 120: Recipient's virtual account opening means
125: recipient virtual account operation means 130: remitter virtual account charging method
135: remittance transaction request receiving means 140: interface means
145: receipt transaction request means 150: wireless terminal authentication means
155: transaction details transmission means 160: transaction details receiving means
165: recipient wireless terminal verification means 180: communication company server
190: sender's wireless terminal 200: recipient's wireless terminal

Claims (9)

In the method executed through a transaction server providing remittance transactions,
A first step of receiving remittance transaction request information including remittance amount information input through the remittance wireless terminal and information on the remittance wireless terminal;
The second step of constructing and storing transaction details for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction when it is not possible to confirm the recipient account information in the name of the recipient through the information included in the remittance transaction request information. ;
When confirming the connection of the wireless terminal through the designated route, check the wireless terminal information that uniquely identifies the wireless terminal that has been accessed through the designated route, and whether valid transaction details including the connection-confirmed wireless terminal information are stored. A third step of checking;
When valid transaction details including the connection-confirmed wireless terminal information are stored, verify one or more recipient-related information through the recipient wireless terminal corresponding to the recipient wireless terminal information included in the stored valid transaction details, and process real-name authentication. A fourth step of verifying a result of authenticating the real name of the recipient after requesting for real name authentication of a recipient for processing a recipient transaction using the stored transaction details by providing the recipient-related information to a designated server; And
When the real name authentication of the recipient is successful, a transaction procedure for processing a recipient transaction in which an amount corresponding to the transaction details is received by using the recipient account information and the transaction details in the recipient's name designated by the real-name authenticated recipient. A fifth step of performing a remittance method between wireless terminals comprising a.
The method of claim 1, wherein the real name authentication,
Remittance method between wireless terminals, characterized in that it includes personal authentication performed through a separate designated server for account opening or account designation in the name of the recipient prior to registration of the recipient, not password-based authentication registered during the recipient's registration process .
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 is provided to the recipient wireless terminal through a transaction request message sent through the recipient wireless terminal information.
The method of claim 1, wherein the transaction details are:
Remittance method between wireless terminals, characterized in that comprising the amount information for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction and information on the recipient wireless terminal.
The method of claim 1, wherein the second step,
And setting and storing an expiration date for processing an incoming transaction in the transaction details.
The method of claim 5,
And automatically canceling a transaction received using the transaction details when the expiration date of the stored transaction details has elapsed.
The method of claim 1,
Further comprising the step of processing to send a message inducing access to the wireless terminal via a designated path using the recipient wireless terminal information,
The third step further comprises the step of confirming the connection of the wireless terminal connected via the designated path induced by the connection through the message.
The method of claim 1, wherein the fifth step,
Requesting approval of a receipt transaction for the transaction details through the recipient wireless terminal; And
Performing a transaction procedure of processing the receivable transaction to the remittee's account in the recipient's name using the recipient's account information and the transaction details in the recipient's name designated by the real-name authenticated recipient upon approval of the recipient's transaction through the recipient's wireless terminal; Remittance method between wireless terminals, characterized in that comprising a.
The method of claim 1, wherein the fifth step,
Checking m (m≥1) transaction details including information on the access-confirmed recipient wireless terminal among the stored transaction details;
Providing the confirmed m transaction details to the recipient wireless terminal; And
Upon approval of a receivable transaction through the recipient's wireless terminal, m'(1≤m'≤m) transactions approved for the receivable transaction among the transaction details provided to the recipient's wireless terminal and a recipient account in the name of the recipient designated by the real-name authenticated recipient And performing a transaction procedure of a receivable transaction to receive an amount corresponding to the m'transaction details to a remittee account in the name of the recipient using the information.

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