KR20230128422A - Deposit and withdrawal management apparatus for FDS and Managing Blacklists and method thereof - Google Patents

Abstract

A deposit and withdrawal management device and method are disclosed. The deposit and withdrawal management device according to an embodiment provides deposit and withdrawal services between financial institutions and user institutions that require customer authentication and deposit and withdrawal management, while detecting abnormal transactions that occur during deposits and withdrawals, preventing money laundering, and sharing blacklists between user institutions used by customers. Through this, affiliated users and financial institutions can be protected.

Description

Deposit and withdrawal management apparatus and method capable of detecting abnormal transactions and managing blacklists { Deposit and withdrawal management apparatus for FDS and Managing Blacklists and method thereof}

The present invention relates to financial transactions and security technology.

Virtual assets refer to assets that do not have real objects such as bills and coins and are traded online. The virtual asset exchange serves to functionally connect people who have virtual assets with those who want to buy them to help directly buy and sell virtual assets. First of all, in order to trade virtual assets, a customer enters the exchange website, registers as a member, and transfers funds to an account whose real name is verified. Then, you can send real money (KRW) to your personal wallet provided by the virtual asset exchange and buy and sell the coins (or tokens) you want through it.

However, when a customer wants to deposit or withdraw from a virtual asset exchange, there is no deposit and withdrawal control method, so customers who maliciously want to deposit and withdraw cannot be controlled, and the virtual asset exchange cannot be protected from the customer.

Korean Patent Publication No. 10-2021-0113885 (September 17, 2021)

According to an embodiment, a virtual asset deposit/withdrawal management device that can block fraudulent use in advance and protect affiliated virtual asset exchanges and financial institutions for blacklist customers or customers for whom abnormal transactions have been detected when a customer requests deposit and withdrawal from a virtual asset exchange. and suggest the method.

An apparatus for managing deposit and withdrawal of virtual assets according to an embodiment of the present invention includes a blacklist registration unit that receives registration requests for blacklist customers from a plurality of user organizations and registers them in a database; A deposit and withdrawal processing unit that provides deposit and withdrawal services between the user institution and financial institutions when a customer requests a deposit and withdrawal from the user institution; and a data management unit that, at the request of the deposit and withdrawal processing unit, verifies whether or not the customer's institution is blacklisted and whether or not the customer's financial institution has an abnormal transaction.

The blacklist registration unit may receive a registration request for a blacklist customer from a financial institution server used by the customer and additionally register the blacklist customer in the database.

The blacklist registration unit may receive a registration request for a blacklist customer from a public institution server related to the customer and additionally register the blacklist customer in the database.

The data management unit includes: a blacklist verification unit that verifies whether or not the customer's institution is blacklisted and manages the blacklist; A transaction analysis unit that analyzes the customer's deposit and withdrawal transaction details through the financial institution when the customer's deposit and withdrawal transaction occurs; and an abnormal transaction detection unit that detects whether or not an abnormal transaction occurs with respect to the customer's affiliated financial institution.

The blacklist verification unit receives the account payment suspension notice from the financial institution server when a reason for account payment suspension occurs, and blacklists based on the customer's authentication unique value or account number included in the account payment suspension notice. Through the register, the relevant customer can be blacklisted and deposit/withdrawal prohibited, the full account payment suspension notice message sent to the user institution server, and the account payment suspension notice response message received from the user institution server and transmitted to the financial institution server. .

The blacklist verification unit, when a blacklist registration reason occurs, receives a blacklist registration request message from the corresponding user organization server, and blacklists the blacklist based on the unique authentication value of the customer and the registration reason included in the blacklist registration request message. Customers can be registered as blacklists through the register, deposits and withdrawals are prohibited, and full blacklist registration responses can be transmitted to the server of the user organization.

Wherein the transaction analysis unit analyzes at least one of a customer's partial deposit and withdrawal transaction, a large amount deposit and withdrawal transaction, a multiple deposit and withdrawal transaction, and a change in a deposit and withdrawal pattern of a customer through a financial institution when a customer's deposit and withdrawal transaction occurs. Deposit and withdrawal management device.

The deposit/withdrawal processing unit requests deposit/withdrawal transfer of the customer from the financial institution server when abnormal transaction status is verified, receives a deposit/withdrawal transfer response from the financial institution server that processed the deposit/withdrawal transfer, and if abnormal transaction status is not verified, the user institution You can send a deposit/withdrawal transfer unavailable response to the server.

The abnormal transaction detection unit, when the customer makes a deposit and withdrawal request to the virtual asset exchange server, based on the customer's deposit and withdrawal transaction analysis result through the transaction analysis unit, a transaction verification unit that verifies whether or not the customer has an abnormal transaction with the affiliated financial institution. ; and a transaction extraction unit that detects abnormal transactions in the customer's account in response to the customer depositing and withdrawing money to the server of the user institution.

The deposit and withdrawal processing unit requests deposit/withdrawal transfer of the corresponding customer from the financial institution server when the abnormal transaction is verified through the transaction verification unit, receives a deposit/withdrawal transfer response from the financial institution server that processed the deposit/withdrawal transfer, and determines whether or not there is an abnormal transaction. If it is not verified, a response indicating that the deposit/withdrawal/transfer is not possible may be sent to the server of the user organization.

The deposit/withdrawal processor transmits an abnormal transaction non-extracted transaction message to the server of the user organization along with a deposit/withdrawal transfer response when the abnormal transaction is not detected through the transaction extractor, and if the abnormal transaction is detected, the abnormal transaction detection transaction message is used along with the deposit/withdrawal transfer response. It can be transmitted to the institutional server.

The deposit/withdrawal processing unit may receive a transfer processing result inquiry request message from the user institution server that has received the abnormal transaction detection transaction message, and transmit a transfer processing result inquiry response message including a reason for the abnormal transaction extraction to the user institution server.

In the embodiment of the present invention, the customer's personal account is a real account, and the deposit and withdrawal processing unit processes the withdrawal from the registered customer's personal account to the corporate account of the user organization when a deposit is requested from the customer, and when a withdrawal is requested from the customer, the user institution processes the withdrawal. Deposits can be processed from the corporate account to the customer's personal account.

In a deposit and withdrawal management method using a deposit and withdrawal management device according to another embodiment of the present invention, receiving a registration request for a blacklist customer from a plurality of using institution servers and registering a blacklist of each using institution; registering a blacklist of each financial institution by receiving registration requests for blacklist customers from a plurality of financial institution servers; Analyzing deposit and withdrawal transactions for each customer when a customer's deposit and withdrawal transaction occurs; and verifying whether there is an abnormal transaction based on the analysis result of the customer's deposit and withdrawal transaction.

The step of registering the blacklist of each user organization may include receiving a blacklist registration request message from the user organization server when a reason for blacklist registration occurs; Registering the customer as a blacklist and prohibiting deposit and withdrawal based on the customer's authentication unique value and the reason for registration included in the full blacklist registration request; and transmitting a blacklist registration response message to a virtual asset using institution server.

The step of registering the blacklist of each financial institution may include, if a reason for account payment suspension occurs, receiving an account payment suspension notification message from the server of the corresponding user institution; Registering the customer as a blacklist and prohibiting deposit and withdrawal based on the customer's authentication unique value or account number included in the account payment suspension notice; Transmitting the entire account payment suspension notice to the server of the user organization; and receiving an account payment suspension notification response message from the user institution server and forwarding it to the financial institution server.

The step of verifying whether or not there is an abnormal transaction may include verifying whether or not there is an abnormal transaction based on a result of analyzing the customer's deposit and withdrawal transaction when the customer requests a deposit and withdrawal to the server of the using institution; and transmitting a response indicating that deposit/withdrawal/transfer is impossible to the server of the corresponding user organization if abnormal transaction status is not verified.

The step of verifying whether or not the abnormal transaction may further include requesting a deposit/withdrawal transfer of the customer from the financial institution server and receiving a deposit/withdrawal transfer response from the financial institution server that processed the deposit/withdrawal transfer, if the abnormal transaction is verified. can do.

The step of verifying whether or not the abnormal transaction may include: extracting the abnormal transaction in the customer account if the abnormal transaction is verified; if the abnormal transaction is not detected, transmitting an abnormal transaction not detected transaction message to the server of the using institution together with a deposit/withdrawal transfer response; and transmitting an abnormal transaction extraction transaction message to the using institution server together with a deposit/withdrawal transfer response when the abnormal transaction is detected.

The step of verifying whether or not the abnormal transaction may include receiving a transfer processing result inquiry request message from the user agency server that has received the abnormal transaction detection transaction message; and transmitting, to the server of the user organization, a full text of the transfer processing result inquiry response including the reason for extracting the abnormal transaction.

The deposit and withdrawal management device according to an embodiment provides deposit and withdrawal services between financial institutions and user institutions requiring customer authentication and deposit and withdrawal management, detects abnormal transactions that occur during deposits and withdrawals, prevents money laundering, and shares a blacklist between affiliated institutions used by customers. Through this, you can protect affiliated users and financial institutions.

In addition, it is possible to provide preemptive control measures by focusing on the customer's 'deposit/withdrawal request' behavior as well as the post-processing method by the customer's 'deposit/withdrawal behavior', and at the same time, perform efficient abnormal transaction detection.

Furthermore, the deposit and withdrawal management device can block the deposit and withdrawal of blacklisted customers or customers whose abnormal transactions have been detected through comprehensive deposit and withdrawal control. At this time, by verifying whether or not the affiliated institution used by the customer is blacklisted and verifying whether or not the customer has an abnormal transaction with the affiliated financial institution, the affiliated institution and financial institution can be protected to the maximum and fraudulent use by the customer can be blocked. there is.

1 is a diagram showing the configuration of a virtual asset trading system according to an embodiment of the present invention;
2 is a diagram showing the detailed configuration of the virtual asset deposit/withdrawal management device of FIG. 1 according to an embodiment of the present invention;
3 is a diagram showing a detailed configuration of the data management unit of FIG. 2 according to an embodiment of the present invention;
4 is a diagram showing the entire process for depositing and withdrawing from an exchange centering on the subject constituting the virtual asset trading system according to an embodiment of the present invention;
5 shows a process of performing deposit and withdrawal management by sharing integrated information of customers using a plurality of virtual asset exchanges and a plurality of financial institutions according to an embodiment of the present invention, centering on the subject constituting the virtual asset trading system. floor plan,
6 is a diagram illustrating a blacklist registration process according to an embodiment of the present invention;
7 is a diagram illustrating a blacklist cancellation process according to an embodiment of the present invention;
8 is a diagram illustrating the flow of an FDS management method according to an embodiment of the present invention.
9 is a diagram illustrating the flow of an FDS management method according to another embodiment of the present invention.

The above objects, other objects, features and advantages of the present invention will be easily understood through the following preferred embodiments in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be embodied in other forms. Rather, the embodiments introduced herein are provided so that the disclosed content will be thorough and complete and the spirit of the present invention will be sufficiently conveyed to those skilled in the art.

In this specification, when a component is referred to as being on another component, it means that it may be directly formed on the other component or a third component may be interposed therebetween.

In this specification, when terms such as first and second are used to describe components, these components should not be limited by these terms. These terms are only used to distinguish one component from another. Embodiments described and illustrated herein also include complementary embodiments thereof.

Also, when it is said that a first element (or component) operates or is executed on (ON) a second element (or component), the first element (or component) means that the second element (or component) It should be understood that it is operated or executed in an environment in which it is operated or executed, or operated or executed through direct or indirect interaction with the second element (or component).

Where an element, component, device, or system is referred to as including a component consisting of a program or software, even if not explicitly stated otherwise, that element, component, device, or system means that the program or software executes or operates. It should be understood that it includes hardware (eg, memory, CPU, etc.) or other programs or software (eg, operating system or driver required to drive hardware) required to do so.

In addition, it should be understood that, unless otherwise specified, the element (or component) may be implemented in any form of software, hardware, or both software and hardware.

In addition, terms used in this specification are for describing embodiments and are not intended to limit the present invention. In this specification, singular forms also include plural forms unless specifically stated otherwise in a phrase. The terms 'comprises' and/or 'comprising' used in the specification do not exclude the presence or addition of one or more other elements.

Hereinafter, in describing specific embodiments below, various specific contents are prepared to explain the invention in more detail and aid understanding. However, readers who have knowledge in this field to the extent that they can understand the present invention can recognize that it can be used without these various specific details.

In some cases, it is mentioned in advance that parts that are commonly known in describing the invention and are not greatly related to the invention are not described in order to prevent confusion for no particular reason in explaining the present invention.

Hereinafter, embodiments of the present specification will be described with reference to the accompanying drawings. It will be described in detail focusing on parts necessary for understanding the operation and operation according to the present specification. While describing the embodiments of this specification, descriptions of technical details that are well known in the art to which this specification pertains and are not directly related to the present specification will be omitted. This is to more clearly convey the gist of the present specification without obscuring it by omitting unnecessary description.

In addition, in describing the components of the present specification, different reference numerals may be given to components having the same name according to the drawings, and the same reference numerals may be assigned even though they are different drawings. However, even in this case, it does not mean that the corresponding component has different functions according to the embodiment, or that it has the same function in different embodiments, and the function of each component is different from the corresponding embodiment. It will have to be judged based on the description of each component in .

Each component in this specification indicates that it can be functionally and/or logically separated, and does not necessarily mean that each component is divided into a separate physical device or written as a separate code. An average expert would be able to reason with ease.

In addition, each component in this specification may refer to a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware. For example, it may mean a predetermined code and a logical unit of hardware resources for executing the predetermined code, and does not necessarily mean a physically connected code or one type of hardware. It can be easily deduced to the average expert.

In the deposit and withdrawal management apparatus and method capable of detecting abnormal transactions and managing blacklists according to the present invention, the user organizations described in the claims may include all organizations that require customer authentication and deposit and withdrawal management. For example, it refers to institutions that provide authentication and deposit and withdrawal services to customers, including virtual asset exchanges, lottery operators, horse associations, game operators, used exchanges, delivery charging stations, p2p, pg companies, item charging, and multi-level operators, In the embodiment, it may refer to a virtual asset exchange. Therefore, in this regard, the user organization server may mean a virtual asset exchange.

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

1 is a diagram showing the configuration of a virtual asset trading system according to an embodiment of the present invention.

Referring to FIG. 1, the virtual asset trading system 1 includes a customer terminal 10, a virtual asset exchange server 12, a virtual asset deposit and withdrawal management device 14, a financial institution server 16, and a public institution server 18. includes

The virtual asset deposit/withdrawal management device 14 provides KRW deposit/withdrawal services between the virtual asset exchange server 12 and the financial institution server 16, and detects fraudulent transactions occurring during deposits and withdrawals (Fraud Detection System: FDS, hereinafter referred to as 'FDS'). It protects affiliated virtual asset operators and financial institutions through anti-money laundering (AML, hereinafter referred to as 'AML') and blacklist sharing among virtual asset operators.

The virtual asset deposit/withdrawal management device 14 receives registration requests for blacklist customers from the virtual asset exchange server 12, the financial institution server 16, and the public institution server 18 and registers them in the database or registered blacklists. The blacklist registered in the database can be canceled by receiving a request to cancel the registration of the customer. At this time, each of the virtual asset exchange server 12, the financial institution server 16, and the public institution server 18 may be plural. Accordingly, the virtual asset deposit/withdrawal management device 14 may share a blacklist between a plurality of virtual asset exchanges, a blacklist between a plurality of financial institutions, and a blacklist between a plurality of public institutions. Examples of financial institutions include financial companies such as banks and securities companies. Examples of public institutions include the Korea Federation of Banks, National Police Agency, Financial Supervisory Service, National Tax Service, Korea Customs Service, Ministry of Strategy and Finance, Ministry of Justice, and FSC.

The virtual asset deposit/withdrawal management device 14 focuses on the customer's 'deposit/withdrawal request' behavior as well as the post-processing method by the customer's 'deposit/withdrawal activity' to provide preemptive control measures and at the same time to perform efficient FDS. support to be able to For example, when a customer deposits money into the virtual asset exchange server 12 through the customer terminal 10, the virtual asset deposit/withdrawal management device 14 preemptively deposits funds into the virtual asset exchange server 12 in the filtering step. Deposit control is possible by blocking. In addition, it is possible to control speculative demand (set the integrated transfer limit) through filtering. Furthermore, the virtual asset deposit/withdrawal management device 14 is capable of comprehensive control by utilizing information of a plurality of affiliated virtual asset exchanges, away from controlling deposits and withdrawals based on information of a specific virtual asset exchange.

The virtual asset deposit/withdrawal management device 14 complies with the anti-money laundering guidelines of the financial authorities for deposits and withdrawals of virtual asset exchanges. For example, the Guidelines for Enhanced Due Diligence (EDD, hereinafter referred to as 'EDD') and Currency Transaction Report (CTR, hereinafter referred to as 'CTR') are followed. Through EDD, it is possible to monitor information such as financial transaction purpose, fund source, service content, address, and contact information. CTR is to report the details of the transaction to the Korea Financial Intelligence Unit (FIU) when a cash payment exceeds a certain amount. Anti-Money Laundering (AML, hereinafter referred to as 'AML') is possible by EDD and CTR, and monitoring data can be calculated.

The virtual asset deposit/withdrawal management device 14 may manage deposit/withdrawal of a virtual asset exchange based on a real name account. The conventional exchange deposit and withdrawal method is a method using a virtual account. Therefore, since deposits can be made only by knowing the virtual account, financial institutions cannot verify trader information, and exchanges cannot verify deposit and withdrawal values, making anti-money laundering control impossible. The real-name account-based method does not require the issuance of a virtual account and guarantees safety. In addition, it is safe and unnecessary to provide personal information as the exchange customer information (personal information), account information, and deposit and withdrawal information are encrypted and managed. Furthermore, the convenience of virtual asset exchange customers is increased. There is no need to issue a separate virtual account, and since the firm banking service of the corporation is used, the customer does not have to transfer money directly. Exchange deposit and withdrawal methods are based on real-name accounts and comply with the guidelines of financial authorities.

The virtual asset deposit and withdrawal management device 14 according to an embodiment uses a personal account opened by the customer terminal 10 for deposit and withdrawal and an exchange corporate account opened by the virtual asset exchange server 12 . At this time, the customer's personal account and the exchange corporate account can only be opened through the same financial institution according to the anti-money laundering guidelines of the financial authorities related to virtual currency. In an embodiment of the present invention, it may refer to "financial company, etc." defined in the "Act on Reporting and Utilization of Specific Financial Transaction Information." For example, the customer's personal account is a deposit and withdrawal account opened by the customer at bank A, and the customer receives real name confirmation from bank A. The exchange corporate account is a corporate account opened by the virtual asset exchange at Bank A. The reason for matching the customer with the financial institution of the virtual asset exchange is that the financial institution can comply with anti-money laundering obligations and identify the user through identity verification. Deposits and withdrawals are made between the customer's personal account and the exchange's corporate account. According to the exchange deposit and withdrawal method according to an embodiment, the customer does not directly transfer (deposit and withdraw) through a financial institution, but a customer opened for deposit and withdrawal. After registering a personal account, use the deposit/withdrawal method to make withdrawals from the registered customer's personal account to the exchange corporate account or deposit from the exchange corporate account to the customer's personal account. When the virtual asset exchange confirms the deposit, it is deposited into the exchange electronic wallet, and the customer can trade virtual assets through the exchange electronic wallet. The exchange electronic wallet is a program that can be traded by giving each customer, and virtual asset trading includes both buying and selling.

The customer terminal 10 accesses the virtual asset exchange server 12 and receives the service of the virtual asset exchange server 12 . The customer is a user of the customer terminal 10 using the service of the virtual asset exchange server 12 . The customer terminal 10 includes all terminals usable by the customer, and in particular, may be a mobile phone and a PC terminal. The customer terminal 10 opens a personal account of the customer by applying to the financial institution server 16 to open an account. Then, the registration of the opened customer's personal account is applied to the virtual asset deposit/withdrawal management device 14.

The virtual asset deposit/withdrawal management device 14 is computer-connected to the virtual asset exchange server 12 and manages deposits and withdrawals of customers to the virtual asset exchange server 12 . The virtual asset deposit/withdrawal management device 14 registers and processes the customer's personal account opened by the customer in the financial institution server 16 for deposit and withdrawal, and compares the account owner and exchange customer information through the financial institution server 16 during the registration process. Identity authentication is performed by comparing and confirming whether or not they match. In addition, it performs account occupancy confirmation, deposit process processing, deposit information confirmation and comparison, etc.

The virtual asset deposit/withdrawal management device 14 is network-connected to the virtual asset exchange server 12 and the financial institution server 16 . The virtual asset deposit/withdrawal management device 14 may be located separately from the virtual asset exchange server 12, or may be located within the virtual asset exchange server 12.

The financial institution server 16 allows exchange-compliant corporate accounts, and handles reports of suspicious illegal property transactions, reports of high-value cash transactions, customer identification, and provision of information to investigative agencies. The financial institution server 16 according to an embodiment confirms the real name of the customer terminal 10 when opening a personal account of the customer terminal 10, and the virtual asset deposit and withdrawal management device 14 communicates with the account owner at the time of registering the account opened. User authentication is performed by checking whether the exchange customer information matches. The customer terminal 10 deposits money into the exchange corporate account when holding a personal account.

FIG. 2 is a diagram showing the detailed configuration of the virtual asset deposit/withdrawal management device of FIG. 1 according to an embodiment of the present invention.

Referring to FIGS. 1 and 2 , a processor 140 and a database 142 are included. The processor 140 includes a blacklist registration unit 20, a deposit and withdrawal processing unit 22 and a data management unit 24.

The blacklist registration unit 20 receives a registration request for a blacklist customer from an affiliated virtual asset exchange server used by the customer and registers it in the database 142 . The blacklist registration unit 20 may receive a registration request for a blacklist customer from an affiliated financial institution server used by the customer and additionally register it in the database 142 . In addition, the blacklist registration unit 20 may receive a registration request for a blacklist customer from an affiliated public institution server related to the customer and additionally register it in the database 142 .

The deposit and withdrawal processing unit 22 provides deposit and withdrawal services between virtual asset exchanges and financial institutions, and when a customer requests a deposit and withdrawal to an affiliated virtual asset exchange, if the customer is blacklisted or an abnormal transaction is detected, the customer's request for deposit and withdrawal may be rejected. can

According to the request of the deposit and withdrawal processing unit 22, the data management unit 24 verifies whether or not the customer's affiliated virtual asset exchange is blacklisted and whether the customer's affiliated financial institution has an abnormal transaction. A detailed configuration of the data management unit 24 will be described later with reference to FIG. 3 .

The database 142 is a variety of storage media, and stores information generated during the operation of the processor 140 or information and commands required for the operation of the processor 140 . The database 142 may store customer blacklist information registered through the blacklist registration unit 20 and abnormal transaction results through the data management unit 24 .

3 is a diagram showing a detailed configuration of the data management unit of FIG. 2 according to an embodiment of the present invention.

1 to 3, the data management unit 24 includes a blacklist verification unit 240, a transaction analysis unit 242, a transaction verification unit 244, and a transaction detection unit 246. may include section 243 .

The blacklist verification unit 240 receives the entire blacklist registration request from the virtual asset exchange server 12 when a blacklist registration reason occurs in the affiliated virtual asset exchange server 12, and includes it in the blacklist registration request full text. The customer is registered as a blacklist through the blacklist registration unit 20 based on the authentication unique value and the reason for registration of the registered customer, and deposit/withdrawal is prohibited. Authentication specific value may be CI (Connection Information) value. Since the CI value is a unique key value in the form of a complex random number issued when a customer authenticates himself, it is a unique identification information value for each customer. Authentication unique values can be used to determine whether a customer is blacklisted. Subsequently, the blacklist registration unit 20 transmits the entire blacklist registration response to the virtual asset exchange server 12 . The virtual asset exchange blacklist registration process will be described later with reference to FIG. 6 .

The blacklist verification unit 240 receives an account payment suspension notice from the financial institution server 16 when a reason for account payment suspension occurs in the affiliated financial institution server 16, and the customer information included in the account payment suspension notice Based on the authentication unique value or account number, the customer is registered as a blacklist through the blacklist registration unit 20 and deposit/withdrawal is prohibited. Authentication specific value can be CI value. Then, the blacklist registration unit 20 transmits the account payment suspension notification message to the virtual asset exchange server 12, receives the account payment suspension notification response message from the virtual asset exchange server 12, and sends it to the financial institution server 16. forward to The virtual asset exchange blacklist registration process will be described later with reference to FIG. 6 .

Meanwhile, in an embodiment of the present invention, the full text indicates an electronic document, and may include both an API notification method based on a URL and a socket method notification method based on a TCP protocol.

In addition, the transaction analysis unit 242 analyzes the customer's deposit and withdrawal transaction details through affiliated financial institutions when a customer's deposit and withdrawal transaction occurs.

The transaction analyzer 242 may analyze at least one of a customer's partial deposit and withdrawal transaction, a large amount deposit and withdrawal transaction, a multiple deposit and withdrawal transaction, and a change in a deposit and withdrawal pattern when a customer's deposit and withdrawal transaction occurs.

When analyzing the split deposit and withdrawal transaction, the transaction analysis unit 242 may analyze whether or not the CTR is intentionally avoided, and compare and analyze the FIU CTR reporting criteria. At this time, it is possible to analyze by summing the transaction details accumulated from the deposit and withdrawal request date to the specific date. Partial deposit and withdrawal transaction analysis can be a customer's deposit and withdrawal transaction that occurred through the customer's affiliated virtual asset exchange.

When analyzing a large deposit and withdrawal transaction, the transaction analysis unit 242 may analyze suspected money laundering by type, and compare and analyze standards for maximum daily transfer limit for each virtual asset exchange and financial institution. At this time, it is possible to analyze by summing the transaction details accumulated from the deposit and withdrawal request date to the specific date. Analysis of large amount deposit and withdrawal transactions can be subject to deposit and withdrawal transactions of customers that occurred through affiliated virtual asset exchanges.

When analyzing multiple deposit/withdrawal transactions, the transaction analyzer 242 may compare and analyze the standard for the number of KRW deposits (proxy purchase, etc.) and the standard for the number of KRW withdrawals (proxy withdrawal, etc.). Multiple deposit/withdrawal transaction analysis can be subject to deposit/withdrawal transactions of customers that occurred through affiliated virtual asset exchanges.

When analyzing changes in deposit and withdrawal patterns, the transaction analysis unit 242 analyzes whether the account is stolen, such as hacking. can be analyzed. Analysis of changes in deposit and withdrawal patterns can be subject to deposit and withdrawal transactions of customers that occurred through individual virtual asset exchanges used by customers.

In addition, the abnormal transaction detection unit 243 includes a transaction verification unit 244 and a transaction extraction unit 246 corresponding to the customer's 'deposit/withdrawal request' and the customer's 'deposit/withdrawal behavior' according to an embodiment of the present invention. ) can be provided.

More specifically, the transaction verification unit 244 determines the customer's affiliated finance based on the customer's deposit and withdrawal transaction analysis result through the transaction analysis unit 242 when the customer requests a deposit and withdrawal to the predetermined virtual asset exchange server 12. Verifies whether there is an abnormal transaction with the institution. When the abnormal transaction is verified through the transaction verification unit 244, the deposit/withdrawal processing unit 22 requests the customer's deposit/withdrawal transfer from the financial institution server 16, and transfers the deposit/withdrawal from the financial institution server 16 that processed the deposit/withdrawal transfer. You can receive a transfer response. On the contrary, if the abnormal transaction is not verified, the deposit and withdrawal processing unit 22 may transmit a deposit and withdrawal transfer prohibition response to the virtual asset exchange server 12 .

Here, if the transaction verification unit 244 is a configuration that can implement the FDS verification function with a configuration corresponding to the preemptive control means focused on the customer's 'deposit and withdrawal request', the transaction extraction unit 246 described later It can be said that the FDS auxiliary function is implemented as a post-processing method by 'deposit and withdrawal behavior'.

That is, when an abnormal transaction is detected, the transaction extraction unit 246 extracts an abnormal transaction in the customer account. If the deposit/withdrawal processing unit 22 does not extract the abnormal transaction through the transaction extraction unit 246, it transmits an abnormal transaction unextracted transaction message (for example, response code A0000) to the virtual asset exchange server 12 together with the deposit/withdrawal transfer response. can In contrast, when an abnormal transaction is extracted, the deposit and withdrawal processing unit 22 may transmit an abnormal transaction extraction transaction message (eg, response code F0000) to the virtual asset exchange server 12 together with a deposit and withdrawal transfer response.

Subsequently, the deposit and withdrawal processing unit 22 receives the transfer processing result inquiry request message from the virtual asset exchange server 12 that has received the abnormal transaction extraction transaction message, and transfers the transfer processing result inquiry response message including the reason for the abnormal transaction extraction to the virtual asset exchange. It can be transmitted to the server 12.

In this case, the virtual asset exchange server 12 may receive and store the abnormal transaction information as internal information of the exchange in the case of determining whether or not to process deposit and withdrawal.

4 is a diagram illustrating the entire process for depositing and withdrawing from an exchange according to an embodiment of the present invention, focusing on subjects constituting a virtual asset trading system.

Referring to FIG. 4, the virtual asset deposit and withdrawal management device 14 receives registration requests for blacklist customers from the virtual asset exchange server 12, the financial institution server 16, and the public institution server 18 and registers them in the database. Alternatively, the blacklist registered in the database is canceled by receiving a request for deregistration of a registered blacklist customer. At this time, each of the virtual asset exchange server 12, the financial institution server 16, and the public institution server 18 may be plural. Accordingly, the virtual asset deposit/withdrawal management device 14 may register and cancel a blacklist between a plurality of virtual asset exchanges, a blacklist between a plurality of financial institutions, and a blacklist between a plurality of public institutions.

① The affiliate virtual asset exchange server 12 requests the deposit and withdrawal of the customer's currency to the virtual asset deposit and withdrawal management device 14. ② In the virtual asset deposit and withdrawal management device 14, the deposit and withdrawal processing unit 22 requests the data management unit 24 to verify whether a customer using a specific virtual asset exchange is blacklisted through the data management unit 24. At this time, the blacklist verification target includes not only the virtual asset exchange requesting the deposit and withdrawal of won, but also the affiliated virtual asset exchange used by the customer.

Then, as a result of verification, the ②-1 virtual asset deposit and withdrawal management device 14 transmits a rejection of the deposit and withdrawal request to the virtual asset exchange server 12 through the deposit and withdrawal processing unit 22 if the customer is blacklisted, thereby preventing accidents in advance. there is. ③ On the other hand, if the customer is not on the blacklist, the virtual asset deposit/withdrawal management device 14 requests deposit/withdrawal of won from the financial institution server 16 through the deposit/withdrawal processing unit 22. ④ The financial institution server 16 verifies whether the customer account is an accident account and performs FDS and AML. Subsequently, ⑤ the financial institution server 16 transmits the deposit and withdrawal results of won including the FDS and AML execution results to the deposit and withdrawal processing unit 22 of the virtual asset deposit and withdrawal management device 14.

Subsequently, in ⑥ the virtual asset deposit and withdrawal management device 14, the deposit and withdrawal processing unit 22 requests the data management unit 24, collects the FDS of the customer account through the data management unit 24, and extracts the FDS result.

Subsequently, the deposit/withdrawal processing unit 22 of the ⑦ virtual asset deposit/withdrawal management device 14 transmits the KRW deposit/withdrawal result including the FDS extraction contents to the virtual asset exchange server 12.

5 shows a process of performing deposit and withdrawal management by sharing integrated information of customers using a plurality of virtual asset exchanges and a plurality of financial institutions according to an embodiment of the present invention, centering on the subject constituting the virtual asset trading system. it is a drawing

Referring to FIG. 5, the virtual asset deposit/withdrawal management device 14 of the virtual asset trading system 1 is affiliated virtual assets obtained from the customer's affiliated virtual asset exchange servers 12-1, 12-2, and 12-3. Using the customer blacklist information of the exchange, it is possible to verify whether the customer is blacklisted or not. Since each virtual asset exchange server holds only the customer information of the corresponding exchange, if the virtual asset deposit and withdrawal management device 14 uses only the customer information of the corresponding virtual asset exchange server, it is difficult to verify whether the customer is blacklisted for other virtual asset exchanges. . In contrast, the virtual asset deposit/withdrawal management device 14 according to an embodiment can solve the above problem by verifying whether or not a customer is blacklisted for an affiliated virtual asset exchange.

In addition, the virtual asset deposit/withdrawal management device 14 uses the customer deposit/withdrawal transaction information of the affiliated financial institution acquired from the customer's affiliated financial institution servers 16-1, 16-2, and 16-3 to determine whether the customer has an abnormal transaction. verify When the virtual asset deposit/withdrawal management device 14 uses only the customer deposit/withdrawal transaction information of the corresponding financial institution server, it is difficult to verify whether the customer has an abnormal transaction with another financial institution. In contrast, the virtual asset deposit/withdrawal management device 14 according to an embodiment can solve the above-described problem by verifying whether or not the customer has an abnormal transaction with an affiliated financial institution.

For example, as shown in FIG. 5, deposit money from a personal account opened by a customer through the first financial institution server 16-1 to a corporate account of the first virtual asset exchange server 12-1, or When a customer requests a withdrawal from a corporate account of the first virtual asset exchange server 12-1 to a personal account opened through the first financial institution server 16-1, the first virtual asset exchange server 12-1 ) transmits the deposit and withdrawal request to the virtual asset deposit and withdrawal management device 14, and the virtual asset deposit and withdrawal management device 14 not only connects to the first virtual asset exchange server 12-1, but also to other virtual asset exchange servers affiliated with the customer ( Using the customer blacklist information obtained from 12-2 and 12-3), it is determined whether the customer is blacklisted or not. In addition, the virtual asset deposit/withdrawal management device 14 uses customer deposit/withdrawal transaction information obtained from the first financial institution server 16-1 as well as the customer's affiliated other financial institution server 16-2 to determine the customer's abnormality. extract the transaction At this time, if the customer is not blacklisted and the abnormal transaction is not detected, a deposit/withdrawal request is requested to the first financial institution server 16-1, and a deposit/withdrawal result is received from the first financial institution server 16-1 that processed the deposit/withdrawal. Next, the virtual asset deposit/withdrawal management device 14 transmits information including deposit/withdrawal results, abnormal transaction extraction results, and blacklist status to the first virtual asset exchange server 12-1.

The virtual asset deposit/withdrawal management device 14 holds customer information of the affiliated virtual asset exchange used by the customer to verify whether the customer is blacklisted or not, and holds the customer deposit and withdrawal transaction information of the affiliated financial institution used by the customer to divide the customer. It can perform transaction analysis, large transaction analysis, multiple transaction analysis, pattern change analysis, etc., and verify and extract customer's abnormal transaction.

6 is a diagram illustrating a blacklist registration process according to an embodiment of the present invention.

Referring to FIG. 6 , the customer's blacklist registration process may include a blacklist registration step 610 for the customer's virtual asset exchange and a blacklist registration step 620 for the customer's financial institution.

In the step of registering the customer's virtual asset exchange blacklist (610), if the reason for blacklist registration occurs (611), the virtual asset exchange server 12 prohibits the withdrawal of virtual assets and suspends the reflection of virtual asset deposit (612). Reasons for blacklist registration include telecommunication financial fraud, suspicion of currency exchange, temporary registration (customer report, etc.), and requests from the National Police Agency.

Subsequently, the virtual asset exchange server 12 transmits a blacklist registration request message to the virtual asset deposit/withdrawal management device 14 (613). At this time, it may be transmitted including the unique authentication value of the customer and the reason for registration. Authentication specific value can be CI value.

According to the full text of the blacklist registration request, the virtual asset deposit and withdrawal management device 14 registers the blacklist (614), prohibits the deposit and withdrawal of KRW for the blacklist customers, and sends the blacklist registration response full text to the virtual asset exchange server 12 ) (616).

In the step of registering the customer's financial institution blacklist (620), if the reason for the account payment suspension occurs (621), the financial institution server 16 transmits the account payment suspension message to the virtual asset deposit and withdrawal management device 14 (622). . At this time, the financial institution server 16 may also transmit an authentication unique value of a customer having a reason for suspension of account payment. Authentication specific value can be CI value. The financial institution server 16 may transmit the customer's account number for which there is a reason for suspension of account payment when there is no unique authentication value.

Upon receipt of the account payment suspension message (622), the virtual asset deposit/withdrawal management device 14 registers (623) a customer with a reason for account payment suspension as a blacklist, and prohibits the deposit and withdrawal of KRW from the blacklist customer. Next, the virtual asset deposit and withdrawal management device 14 transmits the account payment suspension notification message to the virtual asset exchange server 12 (624).

The virtual asset exchange server 12 that has received the account payment suspension notification prohibits the customer from withdrawing the virtual asset and suspends the reflection of the deposit of the virtual asset (625).

Next, the virtual asset exchange server 12 transmits (626) the account payment suspension notification response text to the virtual asset deposit and withdrawal management device 14, and the virtual asset deposit and withdrawal management device 14 sends the account payment suspension notification response text to the financial institution. It is transmitted to the server 16 (627).

7 is a diagram illustrating a blacklist cancellation process according to an embodiment of the present invention.

Referring to FIG. 7 , when a reason for canceling the blacklist occurs (702), the virtual asset exchange server 12 cancels the prohibition of withdrawal of virtual assets and cancels reservation of deposit reflection of virtual assets (704). Reasons for canceling the blacklist include, for example, customer calling.

Subsequently, the virtual asset exchange server 12 transmits a blacklist cancellation request message to the virtual asset deposit/withdrawal management device 14 (706). At this time, the unique authentication value of the customer and the reason for cancellation may be transmitted together. Authentication specific value can be CI value.

Subsequently, the virtual asset deposit/withdrawal management device 14 cancels the customer's blacklist (708) and cancels the deposit/withdrawal prohibition of won (708). Subsequently, the virtual asset deposit/withdrawal management device 14 transmits the blacklist cancellation response message to the virtual asset exchange server 12 (710).

8 is a diagram illustrating the flow of an FDS management method according to an embodiment of the present invention.

The FDS management method according to an embodiment of the present invention shown in FIG. 8 includes an FDS analysis step 810 and an FDS verification step 820, and preemptively responds to the customer's 'deposit/withdrawal request' Transaction detection can be performed.

In the FDS analysis step (810), when a customer's deposit and withdrawal transaction occurs (811), the virtual asset deposit and withdrawal management device 14 analyzes the deposit and withdrawal transaction for each customer (812). Deposit and withdrawal transactions to be analyzed include, for example, large amount deposit and withdrawal transactions, partial deposit and withdrawal transactions, multiple deposit and withdrawal transactions, and changes in deposit and withdrawal patterns.

When analyzing split deposit and withdrawal transactions, the virtual asset deposit and withdrawal management device 14 analyzes whether or not the CTR is intentionally avoided, and can compare and analyze the FIU CTR reporting criteria. At this time, it is possible to analyze by summing the transaction details accumulated from the deposit and withdrawal request date to the specific date. Partial deposit and withdrawal transaction analysis can be the target of deposit and withdrawal transactions of customers that occurred through affiliated virtual asset exchanges.

When analyzing a large amount of deposit and withdrawal transaction, the virtual asset deposit and withdrawal management device 14 may analyze suspected money laundering by type, and compare and analyze the daily maximum transfer limit standards for each virtual asset exchange and financial institution. At this time, it is possible to analyze by summing the transaction details accumulated from the deposit and withdrawal request date to the specific date. Analysis of large amount deposit and withdrawal transactions can be subject to deposit and withdrawal transactions of customers that occurred through affiliated virtual asset exchanges.

When analyzing multiple deposit/withdrawal transactions, the virtual asset deposit/withdrawal management device 14 may compare and analyze the standard for the number of KRW deposits (purchasing by proxy, etc.) and the standard for the number of withdrawals in KRW (withdrawal by proxy, etc.). Multiple deposit/withdrawal transaction analysis can be subject to deposit/withdrawal transactions of customers that occurred through affiliated virtual asset exchanges.

When analyzing changes in deposit and withdrawal patterns, the virtual asset deposit and withdrawal management device 14 analyzes whether the account is stolen, such as hacking, and deposits and withdrawal patterns when the first deposit and withdrawal transaction occurs after a specific date from the account registration date or when the first deposit and withdrawal transaction occurs after a specific date from the previous deposit and withdrawal date. change can be analyzed. Analysis of changes in deposit and withdrawal patterns can be subject to deposit and withdrawal transactions of customers that occurred through the customer's individual virtual asset exchange.

Then, in the FDS verification step 820, when the customer terminal 10 requests 821 deposit and withdrawal to the affiliated virtual asset exchange server 12, the virtual asset exchange server 12 transmits the deposit/withdrawal transfer request to the virtual asset deposit/withdrawal. It is transmitted to the management device 14 (822).

Next, the virtual asset deposit/withdrawal management device 14 performs FDS verification of the customer based on the customer's deposit/withdrawal transaction analysis result performed in the FDS analysis step (810) (823).

At this time, if the FDS is not verified, the virtual asset deposit and withdrawal management device 14 transmits (824) a response indicating that the deposit and withdrawal transfer is impossible to the corresponding virtual asset exchange server 12, and the virtual asset exchange server 12 sends the customer terminal 10 Sends a customer deposit and withdrawal rejection to (825). On the other hand, if the FDS verification is passed, the virtual asset deposit/withdrawal management device 14 transmits a deposit/withdrawal transfer request to the financial institution server 16 (826), and a deposit/withdrawal transfer response from the financial institution server 16 that processed the deposit/withdrawal transfer. Receive (827).

At this time, the virtual asset deposit and withdrawal management device 14 transmits the deposit and withdrawal transfer response to the virtual asset exchange server 12 (829). Next, the virtual asset exchange server 12 transmits the customer deposit/withdrawal completion message to the customer terminal 10 (830).

As such, FIG. 8 illustrates a process of requesting a deposit/withdrawal transfer to the financial institution server 16 if the FDS verification is passed in the FDS verification step 823.

9 is a diagram illustrating the flow of an FDS management method according to another embodiment of the present invention.

The FDS management method according to another embodiment of the present invention shown in FIG. 9 includes an FDS analysis step 810 and an FDS auxiliary step 820-1, and detects an abnormal transaction corresponding to a customer's 'deposit/withdrawal activity'. can do.

First, in the FDS analysis step 810, as described above in FIG. 8, when a customer's deposit and withdrawal transaction occurs (811), the virtual asset deposit and withdrawal management device 14 analyzes the deposit and withdrawal transaction for each customer (812). Deposit and withdrawal transactions to be analyzed include, for example, large amount deposit and withdrawal transactions, partial deposit and withdrawal transactions, multiple deposit and withdrawal transactions, and changes in deposit and withdrawal patterns.

When analyzing split deposit and withdrawal transactions, the virtual asset deposit and withdrawal management device 14 analyzes whether or not the CTR is intentionally avoided, and can compare and analyze the FIU CTR reporting criteria. At this time, it is possible to analyze by summing the transaction details accumulated from the deposit and withdrawal request date to the specific date. Partial deposit and withdrawal transaction analysis can be the target of deposit and withdrawal transactions of customers that occurred through affiliated virtual asset exchanges.

When analyzing a large amount of deposit and withdrawal transaction, the virtual asset deposit and withdrawal management device 14 may analyze suspicion of money laundering by type, and compare and analyze standards for maximum transfer limit per day for each virtual asset exchange and financial institution. At this time, it is possible to analyze by summing the transaction details accumulated from the deposit and withdrawal request date to the specific date. Analysis of large amount deposit and withdrawal transactions can be subject to deposit and withdrawal transactions of customers that occurred through the customer's affiliated virtual asset exchange.

When analyzing multiple deposit/withdrawal transactions, the virtual asset deposit/withdrawal management device 14 may compare and analyze the standard for the number of KRW deposits (purchasing by proxy, etc.) and the standard for the number of withdrawals in KRW (withdrawal by proxy, etc.). Analysis of multiple deposit/withdrawal transactions may be subject to deposit/withdrawal transactions of customers that occurred through the customer's affiliated virtual asset exchange.

When analyzing changes in deposit and withdrawal patterns, the virtual asset deposit and withdrawal management device 14 analyzes whether the account is stolen, such as hacking, and deposits and withdrawal patterns when the first deposit and withdrawal transaction occurs after a specific date from the account registration date or when the first deposit and withdrawal transaction occurs after a specific date from the previous deposit and withdrawal date. change can be analyzed. Analysis of changes in deposit and withdrawal patterns can be subject to deposit and withdrawal transactions of customers that occurred through the customer's individual virtual asset exchange.

Then, in the FDS auxiliary function execution step 820-1 according to another embodiment of the present invention, when the customer terminal 10 requests deposit and withdrawal from the predetermined virtual asset exchange server 12 (821-1), the virtual asset The exchange server 12 transmits the deposit/withdrawal transfer request to the virtual asset deposit/withdrawal management device 14 (822-1).

Next, the virtual asset deposit/withdrawal management device 14 transmits a deposit/withdrawal transfer request to the financial institution server 16 (826-1), and receives a deposit/withdrawal transfer response from the financial institution server 16 that processed the deposit/withdrawal transfer (827). -One).

Subsequently, the virtual asset deposit/withdrawal management device 14 extracts the FDS of the customer account based on the customer's deposit/withdrawal transaction analysis result performed in the FDS analysis step (810) (828). At this time, if the FDS is not extracted, the virtual asset deposit and withdrawal management device 14 transmits an FDS non-extracted transaction message (eg, response code A0000) to the virtual asset exchange server 12 together with the deposit and withdrawal transfer response (829-1 ). Subsequently, the virtual asset exchange server 12 transmits the customer's deposit and withdrawal completion to the customer terminal 10 (830-1).

On the other hand, in the FDS extraction step of the customer account (828), when the FDS is extracted, an FDS extraction transaction message (eg, response code F0000) is transmitted to the virtual asset exchange server 12 together with a deposit/withdrawal transfer response (831) .

When the virtual asset exchange server 12 receives the FDS extraction transaction message, it may transmit a transfer processing result inquiry request message to the virtual asset deposit/withdrawal management device 14 (832). Then, the virtual asset deposit/withdrawal management device 14 transmits the transfer processing result inquiry response message including the reason for FDS extraction to the virtual asset exchange server 12 (833).

The virtual asset exchange server 12 checks the full text of the transfer processing result inquiry response including the reason for FDS extraction, determines whether or not to process the customer's deposit according to the reason for FDS extraction, and receives abnormal transaction information in case of withdrawal (834). At this time, when the customer rejects the deposit, the deposit rejection is transmitted to the customer terminal 10, and when the deposit is approved, the deposit completion is transmitted to the customer terminal 10 (835).

As such, in FIG. 9 , in the FDS auxiliary function execution step 820-1, when FDS extraction is performed through the FDS extraction step 828, the virtual asset exchange server 12 responds to the transfer processing result inquiry including the FDS extraction reason. By making it possible to check the full text, it is possible to determine whether or not the customer's deposit has been processed according to the reason for FDS extraction, and even in the case of withdrawal, abnormal transaction information can be provided (834).

As described above, the virtual asset deposit and withdrawal management device according to an embodiment provides won currency deposit and withdrawal services between virtual asset exchanges and financial institutions, detects abnormal transactions that occur during deposits and withdrawals, prevents money laundering, and black between each virtual asset exchange used by customers. Through list sharing, affiliate virtual asset exchanges and financial institutions can be protected.

In addition, it is possible to provide preemptive control measures by focusing on the customer's 'deposit/withdrawal request' behavior as well as the post-processing method by the customer's 'deposit/withdrawal behavior', and at the same time, perform efficient abnormal transaction detection.

Furthermore, the virtual asset deposit and withdrawal management device can block the deposit and withdrawal of blacklisted customers or customers whose abnormal transactions have been detected through comprehensive deposit and withdrawal control. At this time, by verifying whether the affiliated virtual asset exchange used by the customer is blacklisted and verifying whether the customer has an abnormal transaction with the affiliated financial institution, the affiliated virtual asset exchange and financial institution are protected to the maximum and customer's fraudulent use is prevented. can block

So far, the present invention has been looked at mainly by its embodiments. Those skilled in the art to which the present invention pertains will be able to understand that the present invention may be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered from a descriptive point of view rather than a limiting point of view. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the equivalent scope will be construed as being included in the present invention.

10: customer terminal
12 : Virtual Asset Exchange Server
14: Virtual asset deposit and withdrawal management device
16: Financial institution server
18: Public institution server

Claims (20)

a blacklist registration unit receiving registration requests for blacklist customers from a plurality of user organizations and registering them in a database;
A deposit and withdrawal processing unit that provides deposit and withdrawal services between the user institution and financial institutions when a customer requests a deposit and withdrawal from the user institution; and
At the request of the deposit and withdrawal processing unit, a data management unit that verifies whether or not the customer's institution is blacklisted and whether or not the customer's financial institution has an abnormal transaction;
Deposit and withdrawal management device comprising a.
The method of claim 1, wherein the blacklist registration unit,
A deposit and withdrawal management device characterized in that it receives a registration request for blacklist customers from a financial institution server used by the customer and additionally registers them in the database.
The method of claim 1, wherein the blacklist registration unit,
A deposit and withdrawal management device, characterized in that for receiving a registration request for a blacklist customer from a public institution server related to the customer and additionally registering it in the database.
The method of claim 1, wherein the data management unit,
a blacklist verification unit that verifies whether or not the customer's institution is blacklisted and manages the blacklist;
A transaction analysis unit that analyzes the customer's deposit and withdrawal transaction details through the financial institution when the customer's deposit and withdrawal transaction occurs; and
An abnormal transaction detection unit that detects whether or not there is an abnormal transaction with the customer's affiliated financial institution;
Deposit and withdrawal management device comprising a.
The method of claim 4, wherein the blacklist verification unit,
When a reason for suspension of account payment occurs, a text message of suspension of account payment is received from the server of the relevant financial institution,
Based on the customer's authentication unique value or account number included in the full account payment suspension notice, the customer is blacklisted through the blacklist register and deposits and withdrawals are prohibited;
The full notice of account payment suspension is sent to the server of the user institution;
A deposit and withdrawal management device characterized in that it receives an account payment suspension notification response message from the user institution server and transmits it to the financial institution server.
The method of claim 4, wherein the blacklist verification unit,
When a reason for blacklist registration occurs, a full blacklist registration request is received from the server of the relevant user organization,
Based on the unique authentication value of the customer included in the blacklist registration request and the reason for registration, the customer is blacklisted through the blacklist register and deposits and withdrawals are prohibited.
A deposit and withdrawal management device characterized in that it transmits a blacklist registration response message to a server of a user institution.
The method of claim 4, wherein the transaction analysis unit,
Deposit and withdrawal management device, characterized in that for analyzing at least one of a customer's partial deposit and withdrawal transaction, large amount deposit and withdrawal transaction, multiple deposit and withdrawal transaction, and change in deposit and withdrawal pattern when a customer's deposit and withdrawal transaction occurs.
The method of claim 4, wherein the deposit and withdrawal processing unit,
If the abnormal transaction is verified, the customer requests deposit and withdrawal transfer from the financial institution server and receives a deposit and withdrawal transfer response from the financial institution server that processed the deposit and withdrawal transfer.
Deposit/withdrawal management device characterized in that it transmits a deposit/withdrawal/transfer impossible response to the server of the user institution if abnormal transaction status is not verified.
The method of claim 4, wherein the abnormal transaction detection unit,
When a customer makes a deposit/withdrawal request to a virtual asset exchange server, a transaction verification unit that verifies whether or not an abnormal transaction with the customer's affiliated financial institution is based on the customer's deposit/withdrawal transaction analysis result through the transaction analysis unit; and
a transaction extraction unit that detects abnormal transactions in the customer account in response to the customer depositing and withdrawing money to the server of the user institution;
Deposit and withdrawal management device comprising a.
The method of claim 9, wherein the deposit and withdrawal processing unit,
When the abnormal transaction is verified through the transaction verification unit, requesting a deposit/withdrawal transfer of the customer to the financial institution server, receiving a deposit/withdrawal transfer response from the financial institution server that processed the deposit/withdrawal transfer;
If the abnormal transaction is not verified, sending a response to the server of the user organization that the deposit/withdrawal/transfer is impossible;
Deposit and withdrawal management device characterized in that.
The method of claim 9, Deposit and withdrawal processing unit
If the abnormal transaction is not detected through the transaction extraction unit, an abnormal transaction non-extraction transaction message is transmitted to the server of the using institution along with a deposit/withdrawal transfer response;
A deposit and withdrawal management device characterized in that when an abnormal transaction is detected, an abnormal transaction extraction transaction message is transmitted to the server of the using institution together with a deposit and withdrawal transfer response.
The method of claim 11, the deposit and withdrawal processing unit
A deposit and withdrawal management device characterized in that it receives a full transfer processing result inquiry request from the user institution server that has received the abnormal transaction extraction transaction message, and transmits a transfer processing result inquiry full text including the reason for the abnormal transaction extraction to the user institution server.
According to claim 1,
The customer's personal account is a real account,
Deposit and withdrawal processing department,
When requesting a deposit from a customer, we process the withdrawal from the registered customer's personal account to the corporate account of the user organization.
Deposit/withdrawal management device characterized in that when a customer requests a withdrawal, it is processed so that the money is deposited from the corporate account of the user institution to the customer's personal account.
In the deposit and withdrawal management method using the deposit and withdrawal management device,
receiving registration requests for blacklist customers from a plurality of service organization servers and registering blacklists of each service organization;
registering a blacklist of each financial institution by receiving registration requests for blacklist customers from a plurality of financial institution servers;
Analyzing deposit and withdrawal transactions for each customer when a customer's deposit and withdrawal transaction occurs; and
verifying whether there is an abnormal transaction based on the analysis result of the customer's deposit and withdrawal transaction;
Deposit and withdrawal management method comprising a.
15. The method of claim 14, wherein registering the blacklist of each user organization comprises:
receiving a blacklist registration request message from a corresponding user organization server when a reason for blacklist registration occurs;
Registering the customer as a blacklist and prohibiting deposit and withdrawal based on the customer's authentication unique value and the reason for registration included in the full blacklist registration request; and
Transmitting a blacklist registration response message to a server of a virtual asset using institution;
Deposit and withdrawal management method comprising a.
The method of claim 14, wherein registering the blacklist of each financial institution comprises:
If a reason for suspension of account payment occurs, receiving a text message of suspension of account payment from the server of the corresponding user organization;
Registering the customer as a blacklist and prohibiting deposit and withdrawal based on the customer's authentication unique value or account number included in the account payment suspension notice;
Transmitting the entire account payment suspension notice to the server of the user organization; and
receiving an account payment suspension notification response message from the user institution server and forwarding it to the financial institution server;
Deposit and withdrawal management method comprising a.
According to claim 14,
The step of verifying whether or not the abnormal transaction is
When a customer makes a deposit/withdrawal request to the server of the user institution, verifying whether or not there is an abnormal transaction based on the customer's deposit/withdrawal transaction analysis result; and
If abnormal transaction status is not verified, sending a response indicating that deposit/withdrawal transfer is impossible to the server of the relevant user organization;
Deposit and withdrawal management method comprising a.
The method of claim 17, wherein the step of verifying whether or not the abnormal transaction is
requesting a deposit/withdrawal transfer of the corresponding customer to a financial institution server, and receiving a deposit/withdrawal transfer response from the financial institution server that processed the deposit/withdrawal transfer, if abnormal transaction status is verified;
Deposit and withdrawal management method characterized in that it further comprises.
According to claim 14,
The step of verifying whether or not the abnormal transaction is
extracting abnormal transactions in the customer's account if abnormal transactions are verified;
if the abnormal transaction is not detected, transmitting an abnormal transaction not detected transaction message to the server of the using institution together with a deposit/withdrawal transfer response; and
If the abnormal transaction is detected, transmitting an abnormal transaction extraction transaction message to the server of the using institution together with a deposit/withdrawal transfer response;
Deposit and withdrawal management method characterized in that it further comprises.
The method of claim 19, wherein the step of verifying whether or not the abnormal transaction is
receiving a transfer processing result inquiry request message from a user organization server that has received an abnormal transaction extraction transaction message; and
Transmitting the full text of the transfer processing result inquiry response including the reason for extracting the abnormal transaction to the server of the user organization;
Deposit and withdrawal management method characterized in that it further comprises.

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