KR20220070417A - System for account transfer authentication - Google Patents

Abstract

A safe transaction authentication service providing system is disclosed. The present system includes: a transfer risk judgment unit which checks transfer transaction information for account transfer input from a sender to determine the transfer transaction risk; a safe transaction verification unit which performs a safe transaction verification procedure when there is a transfer transaction risk; and a transfer implementation unit which performs account transfer after completion of the secure transaction verification procedure.

Description

Safe transaction authentication service providing system {System for account transfer authentication}

The present invention relates to a technology for providing electronic financial services, and more particularly, to a technology for providing an account transfer transaction service.

As electronic financial transactions become more active, the number of wrong remittances due to an error in account number or amount is increasing. This can be returned through an unfair profit return request, but it takes a lot of time and effort. In 2017, out of 92,469 (238.5 billion won) of error remittance refund requests, 52,105 (111.5 billion won) were not returned. It is difficult to return the product due to the inability to contact the recipient, delay in return, and difficulty in verifying personal information.

Phishing crimes are also continuously increasing. Looking at the status of voice phishing incidents, 440 billion won in damage occurred in 2018, which is an 82.7% (200.9 billion won) increase from 2017 (243.1 billion won), the highest level ever. is showing Loan scams impersonating financial institutions by taking advantage of the increase in household loan demand are on the rise. method was used.

In addition, the number of messenger phishing victims impersonated by acquaintances and the like continues to increase due to the activation of SNS. To prevent damage from messenger phishing, the Financial Supervisory Service recommends that you call your acquaintances to confirm the truth.

The reason why it is difficult to prevent phishing and error remittance in the existing transfer transaction is because it consists of a one-way electronic transaction (authentication, security, abnormal financial transaction detection, etc.) structure centered on the sender. because it is not equipped. Due to the one-way structure centered on the sender, responsibility is also unilaterally given to the sender in case of an error remittance or phishing scam remittance problem. Therefore, there is an urgent need to improve the electronic fund transfer method.

Domestic Patent Publication No. 10-2018-0046221 (published on May 8, 2018)

The present invention provides a way to service a new electronic money transfer method that can prevent erroneous remittance and phishing scam remittance, away from the existing remitter-centered electronic money transfer method that imposes unilateral responsibility on the remitter for the transfer transaction. The purpose.

A safety transaction authentication service providing system according to an aspect includes a transfer risk determination unit that checks the transfer transaction information for account transfer input from the sender to determine the transfer transaction risk, and a safety transaction verification procedure if there is a transfer transaction risk It may include a transaction verification unit, and a transfer execution unit that performs an account transfer after completion of the secure transaction verification procedure.

The transfer risk determining unit may determine the transfer transaction risk based on the transfer amount included in the transfer transaction information and the deposit account information.

The safe transaction verification unit may verify the safety of the transfer transaction by verifying at least one of whether the sender is vulnerable to fraud and whether the recipient's name and the recipient's phone number obtained from the sender are the same.

The transfer risk determining unit may classify the transfer amount into the first transaction risk group when the transfer amount is greater than or equal to a predetermined amount, and classify it into the second transaction risk group when the transfer amount is greater than or equal to the predetermined amount and the deposit account has not been traded for a recent predetermined period. And, when the risk of transfer transaction belongs to the first transaction risk group, the safety transaction verification unit checks whether the name of the recipient and the recipient phone number obtained from the sender are the same. It is possible to check whether the name of the recipient is the same as the name of the recipient and the phone number obtained from the sender.

The safety transaction verification unit transmits the recipient response request message for the sender's transfer transaction to the recipient using the recipient's phone number obtained from the sender. Only account transfers can be made.

The safety transaction verification unit informs the sender of the result of checking at least one of whether the sender is vulnerable to fraud and whether the recipient's name and the phone number obtained from the sender are the same. It can be sent to the recipient.

When the transfer method selected by the sender is a behavior-based safe transaction, the safe transaction authentication service providing system requests the sender to input a message for behavior-based safe transaction, and based on the sender's characteristic pattern value collected during the sender's message input process, the sender It further includes a remitter behavior authentication unit for authenticating, the transfer risk determination unit can determine whether the transfer transaction risk by checking the transfer transaction information if the remitter authentication is successful.

On the other hand, the method of providing a secure transaction authentication service according to an aspect includes the steps of receiving transfer transaction information for account transfer from a remitter terminal, determining transfer transaction risk by checking transfer transaction information, and if there is a transfer transaction risk, secure transaction It may include performing a verification procedure, and performing an account transfer after completing the secure transaction verification procedure.

The present invention creates an effect of preventing erroneous remittance and phishing fraudulent remittance by improving the existing electronic money transfer method.

1 is a block diagram of a system for providing a secure transaction authentication service according to an embodiment.
2 is a block diagram of an electronic financial server according to an embodiment.
3 is an exemplary view of a screen according to a secure transaction authentication service.
4 is an exemplary view of a screen for behavior-based safe transaction.
5 is a flowchart of a method for providing a secure transaction authentication service according to an embodiment.
6 is an exemplary view of a screen for using a secure transaction authentication service provided to a remitter.
7 is an exemplary view of a remittee response request message screen provided to the remitter.
8 is an exemplary view of a recipient response request message screen provided to the recipient.

The foregoing and further aspects of the present invention will become more apparent through preferred embodiments described with reference to the accompanying drawings. Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce it through these examples.

1 is a block diagram of a system for providing a secure transaction authentication service according to an embodiment. The remitter terminal 100 is a communicable computing terminal, and may be a desktop computer or a laptop computer, or may be a mobile terminal such as a smart phone. The remitter terminal 100 is used by the remitter to access an electronic financial server and use a transfer transaction service. The payee terminal 200 is a communication terminal to which a unique phone number is assigned, and may be a mobile terminal such as a smart phone. The payee terminal 200 is used by the payee to receive a transfer of funds from the sender. The electronic financial server 300 is a server system composed of one or more servers, and provides an electronic money transfer service to customers. The electronic financial server 300 according to an aspect guarantees the safety of the remitter's transfer transaction through a new electronic money transfer method, which will be described later, rather than the existing remitter-centered electronic money transfer method. To this end, the electronic financial server 300 may interwork with the secure transaction authentication server 400 .

The secure transaction authentication server 400 is a configuration for authenticating the remitter's secure transfer transaction in connection with the electronic financial server 300, and this is also a server system composed of one or more servers. In one embodiment, the secure transaction authentication server 400 is a server operated by a credit rating agency. That is, the secure transaction authentication server 400 is a server that can comprehensively evaluate and manage not only the identity verification service but also the creditworthiness of individuals. can guarantee An example of a credit rating agency is Korea Credit Bureau (KCB).

2 is a block diagram of an electronic financial server according to an embodiment. The electronic financial server 300 includes a transfer risk determination unit 310 , a secure transaction verification unit 320 , and a transfer execution unit 330 , and may further include a remitter behavior authentication unit 340 . All of these may be implemented in software, and may be executed by one or more processors to perform a corresponding role. The transfer risk determination unit 310 checks transfer transaction information for account transfer input from the sender to determine whether the transfer transaction is risky. The transfer transaction information includes the withdrawal account number, deposit amount (transfer amount), deposit bank and deposit account number, and may include a password, and the transfer risk determination unit 310 determines the transfer amount and deposit account number included in the transfer transaction information. Based on this, it is possible to determine whether there is a risk of a transfer transaction. In an embodiment, the transfer risk determining unit 310 determines whether the transfer transaction is risky according to whether the transfer amount is greater than or equal to a predetermined amount and whether the deposit account number is the first transaction account or the first transaction account within a recent predetermined period. For example, if the transfer amount is 1 million won or more or the deposit account number is the first transaction account or the first transaction account within a recent predetermined period, it is determined that there is a transfer transaction risk.

When it is determined by the transfer risk determination unit 310 that there is a transfer transaction risk, the safe transaction verification unit 320 performs a safe transaction verification procedure. In one embodiment, the secure transaction verification unit 320 performs a secure transaction verification procedure for confirming at least one of whether the remitter is vulnerable to fraud and whether the remittee name and the remittee phone number name obtained from the remitter are the same. . Here, the fraud-vulnerable person may mean a person subject to a replacement loan. In one embodiment, the secure transaction verification unit 320 verifies the safety of the remitter's transfer transaction in conjunction with the secure transaction authentication server 400 . In this case, the secure transaction verification unit 320 provides the remitter information and/or the remittee name and remittee phone number to the safe transaction authentication server 400, and the safe transaction authentication server 400 determines whether the remitter is a target for a loan and / Alternatively, the safe transaction verification procedure may be performed by checking whether the name of the mobile phone and the name of the recipient are the same and replying to the safe transaction verification unit 320 .

After the safety transaction verification procedure is completed, the transfer execution unit 330 performs an account transfer so that funds are transferred from the sender's account to the recipient's account according to the transfer transaction information of the sender. In one embodiment, the secure transaction verification unit 320 transmits the result returned from the secure transaction authentication server 400 to the remitter terminal 100 and inquires as to whether the transfer transaction continues or not, and the transfer execution unit 330 ) conducts an account transfer only when there is a response from the sender to proceed with the transfer transaction.

In addition, the secure transaction verification process may include a process of obtaining the consent of the recipient for the transfer transaction. To this end, the secure transaction verification unit 320 transmits a payee response request message for the transfer transaction of the sender to the payee using the payee phone number obtained from the sender. You can have the request message sent to the recipient. In one embodiment, the safe transaction verification unit 320 inquires the sender as to whether the above-described transfer transaction continues or not, and then when a response to continue the transfer transaction occurs from the sender, a payee response request message is transmitted to the payee do. In addition, the transfer execution unit 330 may perform the account transfer only when the payee response to the payee response request message is normal.

The above-described transfer risk determination unit 310 may classify the transfer transaction risk into the first transaction risk group when the transfer amount is greater than or equal to a predetermined amount. Here, the predetermined amount may be 1 million won. For reference, the average number of daily transfers of 1 million won or more is less than 10%. The transfer risk determination unit 310 classifies the transfer transaction risk of the sender into a first transaction risk group (this may be referred to as an 'error remittance risk group') in order to prevent remittance by mistake when more than a predetermined amount of money is transferred. In addition, when the transfer amount is greater than or equal to a predetermined amount (A) and the deposit account number is the first transaction account or the first transaction account within the latest predetermined period (B), the transfer risk determination unit 310 sets the transfer transaction risk to the second transaction risk group can be classified. Here, the predetermined period may be 3 months. For reference, the average number of daily transfers satisfying both A and B is less than 5%. When both A and B are satisfied, the transfer risk determination unit 310 classifies the transfer transaction risk of the sender into a second transaction risk group (this may be referred to as a 'phishing fraud risk group') to prevent phishing fraud.

When the risk of the transfer transaction of the sender belongs to the first transaction risk group, the safe transaction verification unit 320 checks whether the payee name and the payee phone number name obtained from the sender are the same (C), and the transfer transaction risk is in the second transaction risk group In case of belonging to C, it is also checked whether the sender is vulnerable to fraud (D). That is, when transferring a large amount of money, check C to prevent erroneous remittance. .

3 is an exemplary view of a screen according to a secure transaction authentication service. The remitter may select any one of the plurality of transfer methods shown in (a) of FIG. 3 to perform a transfer transaction. When the sender selects 'Send to account number', a screen requesting the sender to input the transfer amount and transfer account information is displayed as shown in FIG. 3(b). After the user inputs the requested information in (b) of FIG. 3 , the above-described transfer transaction information is transmitted to the electronic financial server 300 , and the electronic financial server 300 determines whether there is a transfer transaction risk. As a result of the determination, if there is a risk of a transfer transaction, a screen for a secure transaction authentication service as shown in FIG. 3(c) is displayed to the sender. Accordingly, the sender checks the block indicated by reference numeral 10 in FIG. 3(c), enters the recipient's phone number, and then presses the OK button to ensure safe transaction authentication.

Here, when the transfer transaction risk belongs to the first transaction risk group, the sender may select to use the secure transaction authentication service. That is, the block indicated by reference numeral 10 is checked or unchecked according to the user's selection. If unchecked, account transfer will be performed without verification of secure transaction. In addition, when the transfer transaction risk belongs to the second transaction risk group, the secure transaction authentication service may be essential. That is, the block indicated by reference numeral 10 is placed in a checked state by default, and the secure transaction authentication service is performed by receiving the recipient's phone number from the remitter. And, according to the secure transaction authentication service, the payee terminal 200 receives the payee response request message as shown in FIG. 3(d) and is displayed on the screen. Therefore, after checking the message, the recipient enters and transmits the authentication code '1564' to make the account transfer. If the payee inputs an incorrect authentication code or there is no response within a predetermined response time (eg, 10 minutes), the account transfer is not performed and is terminated.

Meanwhile, the remitter behavior authentication unit 340 authenticates the remitter by analyzing the remitter's behavioral pattern to identify an unauthorized person disguised as the remitter. In one embodiment, when the remitter logs in to the electronic financial server 300 and wants to transfer an account, the remitter is requested to select one of a plurality of transfer methods as illustrated on the left side of FIG. 4 . When the sender selects 'action-based safe transaction', which was not previously available from among the transfer methods included in the transfer method list as shown in FIG. 3 , the remitter behavior authentication unit 340 provides the remitter with a screen as illustrated on the right side of FIG. 4 . You can request input of transfer transaction information while doing so. The sender inputs a message for safe transaction based on behavior in the area indicated by reference numeral 20, and the message for safe transaction based on behavior can be a basic phrase including deposit bank, deposit account number, payee, and deposit amount as illustrated. have. That is, the message for behavior-based safe transaction may include transfer transaction information. Furthermore, the message for behavior-based safe transaction may include additional phrases such as the purpose of remittance, which is additionally written by the sender. In FIG. 3 , the additional text is exemplified as “This is the purchase price of the bicycle PDK200”.

The remitter terminal 100 collects the remitter behavior pattern when inputting a message for safe transaction based on the remitter's behavior. To this end, an agent (program, script, SDK, etc.) provided from the electronic financial server 300 may be installed in the remitter terminal 100 and executed to collect behavior patterns. When the remitter terminal 100 uses the service of the electronic financial server 300 based on the App, an agent function may be included in the application. And the characteristic value of the behavior pattern collected by the remitter terminal 100 (which may be referred to as a characteristic pattern value or pattern characteristic value) is the movement of the remitter's keyboard input spelling, keyboard input continuous operation, keyboard input strength, finger input point, vertical At least some of horizontal angle, acceleration measurement value, pressure measurement value, motion information, surface measurement value, etc. may be included. In an embodiment, the remitter terminal 100 may collect feature pattern values only for input of basic phrases.

The remitter terminal 100 transmits the collected behavior pattern information (feature pattern value) to the electronic financial server 300 , and the remitter behavior authentication unit 340 of the electronic financial server 300 receives the information received from the remitter terminal 100 . The sender is authenticated by comparing the behavioral pattern information with the previously registered behavioral pattern information of the sender. To this end, the remitter may perform a separate process for registering behavior pattern information in the database of the electronic financial server 300 in advance. In addition, the transfer risk determination unit 310 checks the transfer transaction information if the remitter authentication is successful by the remitter behavior authentication unit 340 to determine whether the transfer transaction is risky. In an embodiment, the transfer risk determining unit 310 requests and receives transfer transaction information from the remitter terminal 100 when authentication of the remitter is successful. In this case, the transfer transaction information may be received by being included in a message for behavior-based safe transaction. In another embodiment, the transfer transaction information is received together with the behavior pattern information described above. In another embodiment, the behavior-based safe transaction message and behavior pattern information are received together, and the transfer transaction information is extracted from the behavior-based secure transaction message.

On the other hand, the above-mentioned payee response request message may include a message for behavior-based safe transaction written by the sender. In other words, the safe transaction verification unit 320 transmits a recipient response request message to the recipient to ask for the recipient's consent for the behavior-based safe transaction message, and after the recipient confirms the behavior-based safe transaction message and responds to consent, the account transfer will be made.

5 is a flowchart of a method for providing a secure transaction authentication service according to an embodiment. The remitter accesses the electronic financial server 300 based on a web or app and requests a transfer transaction while delivering transfer transaction information (S100). The transfer transaction information may include a withdrawal account number and password, transfer amount, and deposit account information. The electronic financial server 300 determines the transfer transaction risk of the sender with the transfer transaction information (S200). In S200, the electronic financial server 300 determines whether the transfer transaction is risky according to whether the transfer amount is greater than or equal to a predetermined amount and whether the deposit account information is the first transaction account (or the first transaction account within the latest predetermined period). In an embodiment, the electronic financial server 300 classifies the transfer transaction risk into the first transaction risk group when the transfer amount is greater than or equal to a predetermined amount, the transfer amount is greater than or equal to the predetermined amount (A), and the deposit account information is the first transaction account Alternatively, in the case of the first transaction account within a recent predetermined period (B), the transfer transaction risk is classified as a second transaction risk group.

If it is determined in S200 that there is a risk of a transfer transaction, the electronic financial server 300 requests a recipient phone number from the remitter (S300). Accordingly, the remitter terminal 100 may provide a screen as shown in FIG. 6 to the remitter. Accordingly, the sender may select to use the secure transaction authentication service, input the payee's phone number, and then press OK to provide the payee's phone number to the electronic financial server 300 (S400). Thereafter, the electronic financial server 300 performs a secure transaction verification procedure for authenticating whether the transfer transaction of the remitter is safe in connection with the safe transaction authentication server 400 (S500).

The S500 will be described. First, the electronic financial server 300 transmits the payee name confirmed with the deposit account information included in the transfer transaction information and the payee phone number obtained from the remitter to the secure transaction authentication server 400 (S510). In this case, the remitter information may also be transmitted to the secure transaction authentication server 400 . In one embodiment, when the transfer transaction risk is classified into the first transaction risk group, the payee name and the payee phone number are transmitted, and when the transfer transaction risk is classified into the second transaction risk group, the remitter information is additionally transmitted. The secure transaction authentication server 400 checks (C) whether the payee name and the payee phone number holder are the same from the electronic financial server 300 (S520). In addition, the secure transaction authentication server 400 may check (D) whether the sender is a fraud-vulnerable person (eg, a target for a foreign exchange loan) based on the sender information in S520 . In one embodiment, the secure transaction authentication server 400 checks C when the transfer transaction risk is classified into the first transaction risk group, and checks C and D when the transfer transaction risk is classified into the second transaction risk group do.

The secure transaction authentication server 400 returns the safety transaction check result in S520 to the electronic financial server 300 (S530), and the electronic financial server 300 transmits the returned safe transaction check result to the remitter (S540) . Accordingly, the sender can check whether the mobile phone name and the payee name are the same through the sender terminal 100 and whether the sender is vulnerable to fraud. do (S550). When there is a request to proceed with the transfer transaction to the sender, the electronic financial server 300 requests the secure transaction authentication server 400 to receive a response from the payee for the transfer transaction (S560).

The secure transaction authentication server 400 transmits a payee response request message for obtaining consent from the payee for the transfer transaction to the payee according to the request of the electronic financial server 300 (S570). In this case, the secure transaction authentication server 400 may allow the recipient response request message to be transmitted to the recipient through a separate SMS server that transmits and receives SMS text messages. Accordingly, as illustrated in FIG. 7 , the payee response request message is received and displayed on the screen of the payee terminal 200, and the payee confirms the message content and then inputs '1564' requested as the authentication code to agree to the transfer transaction. A response can be made (S580). And after verifying whether the response from the payee is normal, the secure transaction authentication server 400 transmits the result to the electronic financial server 300 (S590).

When the consent of the payee is confirmed through the payee response result, the electronic financial server 300 performs a transfer according to the transfer transaction request of S100 (S600). However, if the payee's consent is not confirmed within a predetermined time after the payee response request is made, the transfer transaction is stopped. In addition, although not shown in FIG. 5 , the electronic financial server 300 may transmit the remittee response request message content as illustrated in FIG. 8 to the remitter for confirmation upon or before performing S560.

Meanwhile, as described with reference to FIG. 4 before S200, the process of authenticating the sender by analyzing the behavioral pattern of the sender may be preceded. In an embodiment, the electronic financial server 300 provides a list of a plurality of transfer methods to the sender, and when the transfer method selected by the sender is a behavior-based safe transaction, requests the sender to input a message for a behavior-based safe transaction, and the sender The sender is authenticated based on the behavior pattern of the sender collected during the message input process. Here, a list of a plurality of transfer methods is provided to the sender, requesting the sender to input a message for behavior-based safe transaction, and collecting the behavior pattern characteristic value of the sender is performed by the sender terminal 100 rather than the electronic financial server 300 . can be performed. And S200 may be performed only when the remitter authentication is successful, and the remittee response request message transmitted to the remittee may include a message for behavior-based safe transaction.

So far, the present invention has been looked at with respect to preferred embodiments thereof. Those of ordinary skill in the art to which the present invention pertains will 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 are to be considered in an illustrative rather than a restrictive sense. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within the scope equivalent thereto should be construed as being included in the present invention.

100: sender terminal 200: receiver terminal
300: electronic financial server 310: transfer risk determination unit
320: safe transaction verification unit 330: transfer execution unit
340: remitter behavior authentication unit 400: secure transaction authentication server

Claims (13)

a transfer risk determination unit for determining transfer transaction risk by checking transfer transaction information for account transfer input from the sender;
A secure transaction verification unit that performs a safe transaction verification procedure if there is a transfer transaction risk; and
a transfer execution unit that conducts an account transfer after completing the secure transaction verification procedure;
A secure transaction authentication service providing system that includes. The method of claim 1,
The transfer risk determination unit is a safe transaction authentication service providing system that determines the risk of a transfer transaction based on the transfer amount and deposit account information included in the transfer transaction information. 3. The method of claim 2,
The secure transaction verification unit checks at least one of whether the sender is vulnerable to fraud and whether the recipient's name and the recipient's phone number obtained from the sender are the same. 4. The method of claim 3,
The transfer risk determination unit classifies the transfer amount into the first transaction risk group when the transfer amount is greater than or equal to a predetermined amount, and classifies it into the second transaction risk group when the transfer amount is greater than or equal to the predetermined amount and the deposit account has not been traded for a recent predetermined period,
The safety transaction verification unit checks whether the name of the recipient and the recipient phone number obtained from the sender are the same when the risk of transfer transaction belongs to the first transaction risk group. A system for providing a secure transaction authentication service that checks whether or not the name of the recipient is the same as the name of the recipient and the phone number obtained from the sender. 4. The method of claim 3,
The safety transaction verification unit transmits a recipient response request message for the sender's transfer transaction to the recipient using the recipient phone number obtained from the sender,
A system for providing a safe transaction authentication service that performs an account transfer only when the transfer execution unit normally responds to the transfer transaction of the sender from the payee within a predetermined time. 6. The method of claim 5,
The safety transaction verification unit informs the sender of the result of checking at least one of whether the sender is vulnerable to fraud and whether the recipient's name and the phone number obtained from the sender are the same. A system for providing secure transaction authentication services to be transmitted to the recipient. 7. The method according to any one of claims 1 to 6,
If the transfer method selected by the sender is a behavior-based safe transaction, the sender behavior authentication unit requests the sender to input a message for the behavior-based safe transaction, and authenticates the sender based on the sender’s characteristic pattern value collected during the sender’s message input process. further including;
The transfer risk determination unit checks the transfer transaction information if the sender authentication is successful, and determines whether the transfer transaction is risky or not. receiving transfer transaction information for account transfer from a remitter terminal;
determining transfer transaction risk by checking transfer transaction information;
performing a secure transaction verification procedure if there is a transfer transaction risk; and
Conducting an account transfer after completing the secure transaction verification procedure;
A method of providing a secure transaction authentication service comprising a. 9. The method of claim 8,
The transfer transaction risk determination step is a method of providing a safe transaction authentication service that judges the transfer transaction risk based on the transfer amount and deposit account information included in the transfer transaction information. 10. The method of claim 9,
The safety transaction verification procedure step is to verify the safety of the transfer transaction by verifying at least one of whether the sender is vulnerable to fraud and whether the name of the recipient and the phone number obtained from the sender are the same. 11. The method of claim 10,
In the transfer transaction risk determination step, if the transfer amount is more than a predetermined amount, it is classified into the first transaction risk group, and if the transfer amount is greater than the predetermined amount and the deposit account has not been traded for a recent predetermined period, it is classified into the second transaction risk group,
In the safety transaction verification procedure, if the risk of a transfer transaction belongs to the first transaction risk group, it is checked whether the name of the recipient and the recipient phone number obtained from the sender are the same. A method of providing a secure transaction authentication service that checks whether the person is vulnerable to fraud and whether the name of the recipient and the phone number obtained from the sender are the same. 11. The method of claim 10,
The step of performing the safety transaction verification procedure uses the recipient phone number obtained from the sender so that the recipient response request message for the sender's transfer transaction is transmitted to the recipient,
The method of providing a safe transaction authentication service in which the account transfer is performed only when a normal response to the transfer transaction of the sender is received from the payee within a predetermined time. 13. The method of claim 12,
The safety transaction verification procedure is performed after notifying the sender of the result of checking at least one of whether the sender is vulnerable to fraud and whether the recipient's name and the phone number obtained from the sender are the same, and then responds to the sender's request to continue the transaction A method of providing secure transaction authentication services that ensures that the request message is sent to the recipient.

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