KR20200131642A - Method and apparatus for relaying financial service using media - Google Patents

Abstract

Disclosed are a financial service relay method using a video and a device therefor. The financial service relay method using a video comprises the following steps of: (a) receiving a video identification request according to remittance from a remitter terminal; (b) connecting a video communication session between the remitter terminal and a recipient terminal according to the video identification request; (c) receiving a remittance request including remittance information from the remitter terminal after the video communication session connection is terminated; and (d) relaying the remittance to a recipient account according to the remittance request.

Description

TECHNICAL FIELD [Method and apparatus for relaying financial service using media]

The present invention relates to a method and apparatus for relaying financial services using images.

In various electronic transactions such as Internet banking, online securities trading, and online shopping, public certificates are used to authenticate parties to the transaction. Public certificates are becoming an essential element in non-face-to-face online electronic transactions.

In order to use secure electronic transactions through a public certificate, an application program that a user encounters for the first time may be a public certificate subscriber program. The accredited certificate subscriber program provides functions such as storing public certificate files, electronic signature functions, and issuing and updating electronic signature keys.

The functions of the accredited certificate subscriber software cannot be fully implemented with only the basic functions provided by the web browser. Therefore, the public certificate subscriber software is provided in the form of a plug-in. In order to use the accredited certificate subscriber software in the form of a plug-in, the user can use ActiveX, JAVA Applet, NPRuntime, and browser add-on according to the operating system or web browser environment. on), etc. may need to be additionally installed on your own terminal.

In recent years, as the use of a public certificate in a smart phone environment is increasing, an app that allows you to use a public certificate in banking using a smart phone has been provided. These apps can provide the same functionality as the accredited certificate subscriber program used on personal computers. However, since smooth service support is still insufficient in the environment of a web browser of a smartphone, active research and development related to the use of apps are being made.

(01) Korean Registered Gazette No. 10-1837062 (2018.03.05)

The present invention is to provide a method and apparatus for relaying financial services using images.

In addition, the present invention is to provide a method and apparatus for relaying financial services using an image capable of directly checking a part of a body such as a face of a counterpart in real time.

In addition, the present invention is to provide a method and apparatus for relaying a financial service using an image capable of preventing transfer errors and voice phishing in advance through identification using images.

According to an aspect of the present invention, a method for relaying a financial service using an image is provided.

According to an embodiment of the present invention, (a) receiving a video identification request according to the remittance from the remitter terminal; (b) connecting a video communication session between the remitter terminal and the recipient terminal according to the video identification request; (c) receiving a remittance request including remittance information from the remittance terminal after the video communication session connection is terminated; And (d) relaying the remittance to a recipient account according to the remittance request.

In step (b), when the connection of the video communication session is rejected by the recipient terminal, steps (c) and (d) may not be executed.

In step (d), a remittance message including the remittance information may be transmitted to a bank server to request remittance.

In the step (b), if the recipient terminal is a device that cannot connect to the video communication session, further comprising transmitting a remittance guide message according to real name confirmation to the remitter terminal, wherein the recipient terminal is connected to the IP address. Location information may be transmitted to the remittance terminal together with the remittance guide message.

The recipient terminal, when accepting the connection to the video communication session, drives a camera, checks whether an image photographed through the driven camera is a live image, and transmits the recipient image to the remitter terminal if it is a live image, If it is not a live video, a receipt rejection message may be transmitted to the remitter terminal.

According to another embodiment of the present invention, there is provided a remittance method of a remitter terminal, the method comprising: receiving remittance information; Transmitting a video identification request including at least some of the remittance information; And transmitting a remittance request including remittance information to a server when the video identification request is completed.

Prior to the step of transmitting the remittance request to the server, when the video communication session is connected, receiving and outputting location information based on the IP address of the recipient terminal may be further included.

According to another aspect of the present invention, an apparatus for financial services using images is provided.

According to an embodiment of the present invention, there is provided a relay server for relaying a financial service, comprising: a communication unit configured to receive a video identification request according to a remittance from a remitter terminal; A video communication management unit connecting a video communication session between the remitter terminal and the recipient terminal according to the video identification request; And when a remittance request including remittance information is received from the remittance terminal after the video communication session connection is terminated, a server including a service management unit relaying remittance to a recipient account according to the remittance request may be provided.

When the video communication session connection is rejected by the recipient terminal, the video communication management unit may control the service management unit not to be executed.

The video communication management unit,

If the recipient terminal is a device that cannot connect to a video communication session, a remittance guidance message according to real name confirmation is transmitted to the remitter terminal, but the remittance guidance message and the location information according to the IP address accessed by the recipient terminal are transmitted to the remittance terminal. Can be transmitted together.

According to another embodiment of the present invention, there is provided a remittance terminal receiving a remittance service, comprising: a camera; An input unit for receiving remittance information; A communication unit that transmits an image identification request including at least some of the remittance information; When the video identification according to the video identification request is completed, a remitter terminal including a processor that controls to transmit a remittance request including the remittance information to a server may be provided.

By providing a method and apparatus for relaying a financial service using an image according to an embodiment of the present invention, it is possible to directly check a part of a body such as a face of a counterpart in real time.

In addition, the present invention has an advantage of preventing transfer errors and voice phishing in advance through identification using images.

1 is a block diagram of a system for providing an image-based recipient authentication transfer service according to an embodiment of the present invention.
2 is a flowchart illustrating a method of providing a financial service based on image identification according to an embodiment of the present invention.
3 is a diagram illustrating a remitter screen according to an embodiment of the present invention.
4 is a diagram illustrating a payee screen according to an embodiment of the present invention.
5 is a diagram illustrating a remitter screen according to another embodiment of the present invention.
6 is a block diagram schematically showing the internal configuration of a relay server according to an embodiment of the present invention.
7 is a block diagram schematically showing the internal configuration of a remitter terminal according to an embodiment of the present invention.

Singular expressions used in the present specification include plural expressions unless the context clearly indicates otherwise. In the present specification, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various elements or various steps described in the specification, and some of the elements or some steps It may not be included, or it should be interpreted that it may further include additional elements or steps. In addition, terms such as "... unit" and "module" described in the specification mean units that process at least one function or operation, which may be implemented as hardware or software, or as a combination of hardware and software. .

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a system for providing an image-based recipient authentication transfer service according to an embodiment of the present invention.

Referring to FIG. 1, the system 100 according to an embodiment of the present invention includes a remitter terminal 110, a remittance bank server, a recipient bank server, and a recipient terminal 140.

The remitter terminal 110 is a device possessed by a remitter requesting various financial services including a transfer service or a device operated by the remitter.

For example, it is natural that the remitter terminal 110 may be an electronic device having a communication function owned by an individual such as a mobile communication terminal, a laptop computer, a tablet PC, etc., or may be an automated machine (ATM) provided in a bank. . In addition, the remitter terminal 110 may be an employee's device located at a bank window. In this case, the remitter terminal 110 may be separately connected so that the input device and the photographing device can be operated by the remitter. Therefore, the remitter terminal 110 described in an embodiment of the present invention should be interpreted as being all devices that can be operated by a remitter requesting a financial service.

The remitter terminal 110 according to an embodiment of the present invention is equipped with a camera or is interlocked with a camera, and may request image identification when using a transfer service such as remittance. Here, the video identity verification means real-time confirmation of the recipient's identity through a live video rather than a real name during a transfer service such as remittance.

That is, the remitter terminal 110 may obtain a real-time live image of the recipient through the camera, check it, and then request a remittance request including remittance information to the bank server when the recipient's identification is completed.

The communication server 120 is a means for connecting a communication session between the remitter terminal 110 and the recipient terminal 140 at the request of the remitter terminal 110. The communication server 120 may establish (connect) a communication session between the remitter terminal 110 and the recipient terminal 140 based on WebSocket Handshake and WebRTC signaling at the request of the remitter terminal 110. Here, since WebSocket Handshake and WebRTC signaling are obvious to those skilled in the art, a separate description thereof will be omitted.

The relay server 130 is a device for relaying a financial service (eg, a remittance service) between the remitter terminal 110 and the recipient terminal 140. Here, the relay server 130 is interlocked with each bank server, and when the remitter terminal 110 requests remittance through image identification, the video after connecting the video communication session between the remitter terminal 110 and the recipient terminal 140 Remittance service can be relayed through confirmation.

If the recipient terminal 140 is unable to make a video call according to the video identification request of the remitter terminal 110, the relay server 130 may notify the remitter terminal 110 of the reason why the video identification is impossible.

Here, in response to a video identification request from the sender terminal 110, the relay server 130 attempts to connect a video communication session with the recipient terminal 140, but if the recipient terminal 140 rejects it, the IP address of the recipient terminal ( The location information according to the IP address) may be provided to the remitter terminal 110. Of course, it is natural that the location information based on the IP address of the recipient terminal 140 may be provided to the remitter terminal 110 even when the video communication session is connected.

The bank server provides various financial services. In an embodiment of the present invention, when a sender and a recipient request a financial service such as a remittance service through the relay server 130, the relay server 130 may interlock with the bank server to execute the financial service.

When the image identification is completed, the relay server 130 may provide the remittance information input through the remitter terminal 110 to the bank server to allow the remittance to be executed. A method of executing a financial service such as a remittance service in a bank server itself is obvious to a person skilled in the art, and a detailed description thereof will be omitted.

The recipient terminal 140 is a device possessed by a recipient who is provided with various financial services including a transfer service.

According to an embodiment of the present invention, it is assumed that the remitter terminal 110 and the recipient terminal 140 have a camera. Of course, the camera 715 is not directly provided to the remitter terminal 110 and the recipient terminal 140, it is natural that it may be connected through an external interface.

2 is a flow chart showing a method of providing a financial service based on image identification according to an embodiment of the present invention, FIG. 3 is a diagram illustrating a remitter screen according to an embodiment of the present invention, and FIG. A diagram illustrating a recipient screen according to an embodiment, and FIG. 5 is a diagram illustrating a remitter screen according to another exemplary embodiment of the present invention. Hereinafter, it is assumed that the remittance is sent to the recipient at the request of the sender, and this will be described mainly.

Hereinafter, it is assumed that a service app is installed on the remitter terminal 110 and the recipient terminal 140, and the remitter terminal 110 and the recipient terminal 140 each have a service app running, and the remitter and the recipient Assumes that you are logged in to the service app.

In step 210, the remitter terminal 110 transmits a video identification request to the relay server 130. Here, the image identification request may include recipient information.

For example, it is assumed that the remitter executes an app through the remitter terminal 110 and inputs remittance information. 3 is a diagram illustrating a screen interface for inputting remittance information.

Referring to FIG. 3, a UI for selecting an identification method as shown in 310 may be included on a screen interface for inputting remittance information in the remitter terminal 110. When the remitter selects the image identity verification, the remitter terminal 110 may transmit a video identity verification request to the relay server 130.

In step 215, the relay server 130 transmits a video communication connection request to the recipient terminal 140 according to the video identification request from the remitter terminal 110.

In an embodiment of the present invention, it is assumed that the relay server 130 relays the video communication connection request to the recipient terminal 140 in response to the video identification request from the remitter terminal 110, but the remitter It is natural that the terminal 110 and the recipient terminal 140 may mutually exchange communication setting information so that video communication is connected without relaying from the relay server 130.

According to an embodiment of the present invention, video communication between the remitter terminal 110 and the recipient terminal 140 may be connected using WebSocket or WebRTC-based technology. Here, since WebSocket or WebRTC-based technology is a matter that is obvious to those skilled in the art, a detailed communication setting process for video communication connection will be omitted.

In step 220, the recipient terminal 140 determines whether to accept the video communication connection request upon reception.

4 illustrates a reception authentication guide screen according to a video communication connection request. As shown in FIG. 4, a UI for consenting or rejecting video communication connection according to a video identification request may be output. The recipient can choose (decide) whether to accept or reject the message after checking the message.

If the video communication connection request is rejected, the video communication between the sender terminal 110 and the recipient terminal 140 is not connected, and in step 225, the relay server 130 sends a guide message including the reason for rejection to the sender terminal 110 ).

In this case, the guidance message may further include location information according to the IP address of the recipient terminal 140, not only the reason for rejection.

When the recipient terminal 140 rejects the video communication connection request, a remittance service according to real name confirmation may be performed as in the prior art. This is a matter that is obvious to those skilled in the art, so a separate description thereof will be omitted.

However, if the video communication connection request is accepted, in step 230, the remitter terminal 110 and the recipient terminal 140 exchange images of the other party through video communication.

Accordingly, the remitter terminal 110 may receive and output the recipient image from the recipient terminal 140, and the recipient terminal 140 may receive and output the remitter image from the remitter terminal 110.

In more detail, when a session for video communication is connected, the remitter terminal 110 and the recipient terminal 140 may activate a camera, a microphone, and the like, respectively. Subsequently, the remitter terminal 110 and the recipient terminal 140 may respectively capture their own images through a camera and transmit them to the other terminal. For example, the remitter terminal 110 may photograph the remitter through a camera and transmit it to the recipient terminal 140, and the recipient terminal 140 may photograph the recipient through the camera and transmit it to the remitter terminal 110.

At this time, the recipient terminal 140 may check whether the captured image is a live image before transmitting the recipient image to the sender terminal 110 and then determine whether to transmit the image according to the test result. For example, if the recipient terminal 140 determines that the photograph has been taken as a result of examining the photographed image, it may determine that it is not a live image and may cancel the video communication session. Subsequently, the recipient terminal 140 may transmit a guide message including the reason for release to the remitter terminal 110.

After each of the sender terminal 110 and the recipient terminal 140 mutually confirms the other party through image exchange (in more detail, after the sender actually checks the face of the recipient, etc.), the remittance may proceed.

Here, the remitter may reject the remittance for various reasons, such as a person unknown to the recipient after confirming the image identity of the recipient, or a preliminary motion shared between the remitter and the recipient in a dark image screen.

When the video identification is completed, in step 235, the remitter terminal 110 transmits a remittance request including remittance information to the relay server 130.

5 illustrates a remitter screen. As shown in FIG. 5, on the remitter screen, location information based on the IP address of the recipient terminal may be provided together with remittance information (withdrawal account number, account password, deposit bank, deposit account number, deposit amount).

Accordingly, in step 240, the relay server 130 transmits a remittance request including remittance information to the bank server. When the relay server 130 transmits a remittance request to the remittance bank server, the remittance bank server may process the transfer to the recipient bank server.

Thereafter, in step 245, the relay server 130 receives the remittance result from the bank server and transmits it to the remitter terminal 110 and the recipient terminal 140.

As described above, according to an embodiment of the present invention, the remitter directly confirms the recipient through video in real time through the video communication connection with the recipient terminal 140 through the relay server 130 when transferring an account such as remittance, and then remittance. This has the advantage of reducing remittance errors.

In addition, by storing an image through a video call, it is possible to record the image of the other party (recipient), and thus there is an advantage that it can be used for tracking later.

6 is a block diagram schematically showing an internal configuration of a relay server according to an embodiment of the present invention.

6, the relay server 130 according to an embodiment of the present invention includes a communication unit 610, an image communication management unit 615, a service management unit 620, a memory 625, and a processor 630. Is composed.

The communication unit 610 is a means for transmitting and receiving data with other devices (eg, the remitter terminal 110, the recipient terminal 140, a bank server, etc.) through a communication network.

The video communication management unit 615 is a means for connecting and managing a video communication session between the remitter terminal 110 and the recipient terminal 140.

As already described above, it is assumed that the remitter terminal 110 and the recipient terminal 140 have a service app installed/executed by default. In addition, it is assumed that the remitter terminal 110 and the recipient terminal 140 are logged in to the service app, respectively. Of course, only the remitter terminal 110 is logged in to the service app, and the recipient terminal 140 may not be logged in.

The video communication management unit 615 sends a push message for video identification when a remittance is requested from the remitter terminal 110 while the recipient terminal 140 is not logged in. It is natural that it is possible to run a browser based on the transmission to and then proceed with the video identification process.

The video communication management unit 615 may request a video communication session connection to the recipient terminal 140 using the remitter's ID in response to a request for video identification of the remitter terminal 110. In this case, the relay server 130 may search for a recipient based on the remittance information of the remitter terminal 110 to obtain a recipient ID, and then request a session connection using the remitter ID and the recipient ID.

The video communication management unit 615 may connect video communication between the remitter terminal 110 and the recipient terminal 140 using WebSocket or WebRTC-based technology. A method of connecting a video communication channel between two devices using WebSocket or WebRTC-based technology itself is obvious to those skilled in the art, so a detailed description thereof will be omitted.

In addition, in an embodiment of the present invention, a video communication management unit 615 operating with WebSocket or WebRTC-based technology is provided in the relay server 130, through which communication setting information between the remitter terminal 110 and the recipient terminal 140 Although the description is made on the assumption that video communication is connected through exchange, a configuration in which the sender terminal 110 and the recipient terminal 140 are connected to each other in a P2P method using WebSocket or WebRTC-based technology is a separate server (for example, , Communication server).

The service management unit 620 is a means for relaying a remittance service.

When the identification of the image between the remitter terminal 110 and the recipient terminal 140 is completed, a remittance message according to a remittance request including remittance information from the remitter terminal 110 may be transmitted to the bank server.

Subsequently, the service management unit 620 may receive a remittance result from the bank server and transmit it to the remitter terminal 110 and the recipient terminal 140, respectively.

The memory 625 stores various algorithms (commands, program codes) required to perform the method for providing a remittance service according to image identification according to an embodiment of the present invention, various data derived from this process, and the like.

The processor 630 includes internal components of the relay server 130 according to an embodiment of the present invention (for example, a communication unit 610, an image communication management unit 615, a service management unit 620, and a memory 625). Etc.).

7 is a block diagram schematically showing the internal configuration of a remitter terminal according to an embodiment of the present invention.

Referring to FIG. 7, a remitter terminal 110 according to an embodiment of the present invention includes a communication unit 710, a camera 715, a display unit 720, a memory 730, an input unit 735, and a processor 740. Consists of including.

The communication unit 710 is a means for transmitting and receiving data with other devices (eg, the relay server 130 and the recipient terminal 140) through a communication network.

The camera 715 is a means for photographing a subject and generating an image. For example, the camera 715 may photograph the sender.

The camera 715 may be activated or deactivated under the control of the processor 740. For example, the camera 715 may be activated under the control of the processor 740 when the remitter terminal 110 transmits an image identification request for remittance to the relay server 130. In addition, when the video communication session according to the video identification request is released, the camera 715 may be deactivated under the control of the processor 740.

The display unit 720 is a means for visually outputting data.

For example, the display unit 720 may be a liquid crystal screen (LCD).

The microphone 725 is a means for receiving sound. The microphone 725 may be activated or deactivated under the control of the processor 740. Like the camera 715, the microphone 725 is activated when a video communication session for confirming video identity is connected, and can be deactivated when the video communication session is released.

The memory 730 stores program codes (commands, algorithms) for performing the method for providing an image-based remittance service according to an embodiment of the present invention, various data derived from this process, and the like.

The input unit 735 is a means for receiving various commands for controlling the remitter terminal 110. For example, the input unit 735 may include at least one key button. Of course, it is natural that the input unit 735 may be spherical in the form of a touch pad.

The processor 740 includes internal components of the remitter terminal 110 according to an embodiment of the present invention (eg, communication unit 710, camera 715, display unit 720, memory 730, etc.) It is a means to control.

In addition, the processor 740 may control to transmit an image identification request including at least some of the remittance information and a remittance request including remittance information to the relay server 130. In addition, the processor 740 may control to output various messages provided from the relay server 130 through the display unit 720.

The apparatus and method according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination. The program instructions recorded on the computer-readable medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes hardware devices specially configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

The above-described hardware device may be configured to operate as one or more software modules to perform the operation of the present invention, and vice versa.

So far, the present invention has been looked at around the embodiments. Those of ordinary skill in the art to which the present invention pertains will be able to understand that the present invention can be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered from an illustrative point of view rather than a limiting point of view. The scope of the present invention is shown in the claims rather than the above description, and all differences within the scope equivalent thereto should be construed as being included in the present invention.

100: system
110: sender terminal
120: Communication Server (or WebSocket Server)
130: relay server
140: recipient terminal

Claims (12)

(a) receiving a video identification request according to the remittance from the remitter terminal;
(b) connecting a video communication session between the remitter terminal and the recipient terminal according to the video identification request;
(c) receiving a remittance request including remittance information from the remittance terminal after the video communication session connection is terminated; And
(d) relaying a remittance to a recipient account according to the remittance request.
The method of claim 1,
In step (b),
When the connection of the video communication session is rejected by the recipient terminal, the (c) and (d) steps are not executed.
The method of claim 1,
The step (d),
A method for relaying financial services, comprising requesting a remittance by transmitting a remittance message including the remittance information to a bank server.
The method of claim 1,
In step (b),
If the recipient terminal is a device that cannot connect to the video communication session, further comprising transmitting a remittance guide message according to real name confirmation to the remitter terminal,
And transmitting the location information according to the IP address accessed by the recipient terminal to the remittance terminal together with the remittance guide message.
The method of claim 1,
The recipient terminal,
When accepting the connection to the video communication session, the camera is driven, and if the video captured by the driven camera is a live video, the recipient video is transmitted to the remitter terminal, and if it is not a live video A financial service relay method, characterized in that transmitting a receipt rejection message to the remitter terminal.
In the relay server relaying financial services,
A communication unit for receiving a video identification request according to the remittance from the remitter terminal;
A video communication management unit connecting a video communication session between the remitter terminal and the recipient terminal according to the video identification request; And
When a remittance request including remittance information is received from the remittance terminal after the video communication session connection is terminated, the server comprising a service management unit relaying remittance to a remittance account according to the remittance request.
The method of claim 6,
The session management unit,
When the video communication session connection is rejected by the recipient terminal, the server, characterized in that the control so that the service manager is not executed.
The method of claim 6,
The session management unit,
If the recipient terminal is a device in which video communication session connection is not possible, a remittance guide message according to real name confirmation is transmitted to the remitter terminal, but the location information according to the IP address accessed by the recipient terminal is transmitted to the remittance terminal and Server, characterized in that the transmission together.
In the remittance method of the remitter terminal,
Receiving remittance information;
Transmitting a video identification request including at least some of the remittance information; And
Remittance method comprising the step of transmitting a remittance request including remittance information to a server when the video identification request is completed.
The method of claim 9,
Before the step of transmitting the transfer request to the server,
Remittance method further comprising the step of receiving and outputting the location information based on the IP address of the recipient terminal when the video communication session is connected.
In the remitter terminal receiving remittance service,
camera;
An input unit for receiving remittance information;
A communication unit that transmits an image identification request including at least some of the remittance information; And
Remittance terminal including a processor for controlling to transmit a remittance request including the remittance information to a server when the image identification is completed.
The method of claim 11,
The processor,
In response to the image identification request, the camera is activated, a remitter image is captured through the activated camera and transmitted to the recipient terminal, and a recipient image provided from the recipient terminal is output. Sender terminal.

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