WO2013062214A1 - Procédé et système de détermination de la position d'un terminal de transaction financière - Google Patents

Procédé et système de détermination de la position d'un terminal de transaction financière Download PDF

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Publication number
WO2013062214A1
WO2013062214A1 PCT/KR2012/006091 KR2012006091W WO2013062214A1 WO 2013062214 A1 WO2013062214 A1 WO 2013062214A1 KR 2012006091 W KR2012006091 W KR 2012006091W WO 2013062214 A1 WO2013062214 A1 WO 2013062214A1
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WO
WIPO (PCT)
Prior art keywords
financial
location
financial terminal
terminal
information
Prior art date
Application number
PCT/KR2012/006091
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English (en)
Korean (ko)
Inventor
김동진
김대진
이왕근
임선일
이항기
심충섭
Original Assignee
주식회사 씽크풀
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Application filed by 주식회사 씽크풀 filed Critical 주식회사 씽크풀
Publication of WO2013062214A1 publication Critical patent/WO2013062214A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/021—Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Definitions

  • the present invention relates to a system and method for accurately determining a physical location corresponding to a financial terminal (eg, a payment device using a card or a mobile terminal, an automatic teller machine (ATM), a point of sales, etc.).
  • a financial terminal eg, a payment device using a card or a mobile terminal, an automatic teller machine (ATM), a point of sales, etc.
  • the present invention provides a system and method for confirming an identifier of a financial terminal making a financial transaction request and confirming the position of a political party name corresponding to the financial transaction request to accurately determine the physical location of the corresponding network identifier. It is about.
  • a particularly important service may be a financial service.
  • the payment means for example, If you have a credit card, a mobile terminal for payment, etc., or know your personal information such as a password (e.g. payment by simple payment method, password or authentication number for payment), you can actually perform the financial transaction. Frequently, financial transactions are authorized even though they are not (ie credit card owners, owners of certain accounts, etc.).
  • a false payment requester requesting a false payment informs a false payment performer (e.g., a predetermined sales entity) of his / her payment information (e.g., a card number) and without a normal transaction of a product or service, or Frequently, there is a frequent use of a method such as allowing a false payment operator to make a payment in a form different from a normal transaction and returning an amount excluding partial fees from the payment amount.
  • a false payment performer e.g., a predetermined sales entity
  • his / her payment information e.g., a card number
  • the sales entity of a certain branch office is likely to be subject to taxation authorities if the sales are large, or to avoid the tax authorities' interest (usually, if sales are high, most of the taxation is conducted). This may be more likely, especially for branch offices that attempt to diversify their sales), with multiple branch offices with payment machines in one branch, and distributing sales from one branch to multiple branches Shortcuts such as letting in are used.
  • the conventional technologies are to use the location (or location of the merchant) of the financial terminal associated with the financial terminal, such as a financial institution or VAN company, or the merchant registered or reported, in this case, the merchant is moving or There is a problem that the location of the financial terminal does not change unless the merchant owner separately reports or notifies even if the actual location is changed.
  • these problems cannot be solved by conventional technologies because merchant owners who wish to conduct illegal or unlawful financial transactions such as false payments or sales distribution cannot report their financial terminals to the financial system in good faith.
  • inaccuracies in financial terminal location information make it difficult to apply.
  • the location of the financial terminal notified by the merchant owner or registered by the financial terminal operator and / or financial institution may be changed, and the mobile financial terminal is widely used, and the financial terminal may be illegally or illegally changed.
  • the actual location of the financial terminal being used can be determined dynamically or in real time, and the actual location of the financial terminal can be determined relatively accurately.
  • the technical problem to be achieved by the present invention is to provide a system and method capable of automatically and accurately determining the location of the financial terminal, rather than manually determining the location of the financial terminal by notification or registration of a specific person.
  • the location of the financial terminal can be accurately identified, it can be used for illegal and illegal use of the financial terminal such as false payments, distribution of sales, financial transactions (deposited withdrawal, transfer, inquiry, etc.) using a duplicate card or a duplicate phone. It is to provide a system and method that can be prevented.
  • Financial terminal position determination system for solving the technical problem, when the financial terminal makes a financial transaction request to the financial system via a network, confirms the identification information of the financial terminal making the financial transaction request
  • An identification module for determining the location information of the party nominal party corresponding to the financial transaction request, and a determination location determined based on the location information identified by the location identification module as the location of the financial terminal. It includes a control module for determining.
  • the positioning module may be characterized by checking the location information of the mobile terminal of the party nominee.
  • the control module stores the location information of the party nominee in a DB so as to correspond to the identification information of the financial terminal, and the plurality of location data including the location information for the identification information of one financial terminal is stored in the DB.
  • the determination position may be determined using at least one normal position data satisfying a predetermined criterion among the plurality of position data.
  • the predetermined criterion may be a case where a position value of each of the at least one normal position data exists within a predetermined first distance, and the number of the at least one normal position data is more than a predetermined number.
  • the control module may determine any one of the at least one normal position data as the determination position, or determine a new position calculated using the position value of the at least one normal position data as the determination position.
  • the control module may be configured to determine whether or not the location information corresponding to the existing determination location is checked for a certain period of time when the location information satisfying the criterion is newly determined and the new determination location is determined with respect to the identification information of the same financial terminal. It may be characterized by determining whether or not to determine the determination position as a new determination position or an additional determination position in the identification information of the financial terminal.
  • the control module determines that the financial terminal is a mobile financial terminal when the value of at least one preset number of normal position data is present within a second distance greater than a first distance.
  • the determination position of may be determined to be a predetermined area determined using the second distance.
  • the control module may set the distance corresponding to the error when checking the position information of the party nominee as the first distance, and determine the second distance as the distance corresponding to the distance that the financial terminal moves. Can be.
  • the control module is configured to obtain information on at least one of whether the party nominee requests the financial transaction using the financial terminal or owns his or her mobile terminal from a mobile terminal or a wired / wireless communication system corresponding to the party nominee. And determining whether the determination position is the position of the financial terminal by using the received information.
  • the financial terminal may be at least one of a financial settlement apparatus, an automated teller machine (ATM), and a point of sales (POS).
  • ATM automated teller machine
  • POS point of sales
  • the financial terminal position determination system for solving the technical problem is an identification module for confirming the identification information of the financial terminal making the financial transaction request when the financial terminal makes a predetermined financial transaction request to the financial system through a network; A location checking module for checking the location information of the party nominee corresponding to the financial transaction request, and when there are a plurality of different location information identified by the location identifying module, a predetermined one of the plurality of different location information And a control module for extracting at least one normal position information satisfying the criterion of and determining a new position or area calculated using the extracted position value of the at least one normal position information as the determination position of the financial terminal. Include.
  • the method of determining the location of the financial terminal may include determining, by the financial terminal location determining system, identification information of the financial terminal making the financial transaction request when the financial terminal makes a predetermined financial transaction request to the financial system through a network. Confirming, by the terminal location determination system, location information of the party nominee corresponding to the financial transaction request, and determining a determination location determined based on the confirmed location information as the location of the financial terminal.
  • the financial terminal location determining method may further include storing, by the financial terminal location determining method, the location information of the party nominee in a DB so as to correspond to the identification information of the financial terminal, and determining based on the identified location information.
  • the determining of the determined position as the position of the financial terminal may include: when the plurality of position data including the position information with respect to the identification information of one financial terminal is stored in the DB, the financial terminal position determination system may be used.
  • the method may include determining the determination position using at least one normal position data satisfying a predetermined criterion among the plurality of position data.
  • the step of determining the new decision location by newly confirming the location information satisfying the criteria with respect to the identification information of the same financial terminal and whether the location information corresponding to the existing decision location for a certain period of time is identified.
  • the method may further include determining whether to additionally map the new decision location to the identification information of the financial terminal or replace the existing decision location.
  • the determining of the determination position using at least one normal position data satisfying a predetermined criterion among the plurality of position data may include: determining, by the financial terminal position determining system, any one of the at least one normal position data.
  • the method may include at least one of determining a position or determining, by the financial terminal position determination system, a new position calculated using the position value of the at least one normal position data as the determination position.
  • the predetermined criterion is a case where a predetermined number or more of values of the at least one normal position data exist within a second distance greater than a first distance, and at least one normal satisfying a predetermined criterion among the plurality of position data.
  • the determining of the determination position using position data may include determining that the financial terminal is a mobile financial terminal, and determining the determination position of the financial terminal as a predetermined area determined using the second distance. It may include.
  • the method for determining the location of the financial terminal may include determining, by the financial terminal location determining system, information about at least one of whether the party nominee requests the financial transaction using the financial terminal or owns his mobile terminal. Receiving from a mobile terminal or a wired or wireless communication system corresponding to the and may determine whether to map the determination location to the location of the financial terminal using the received information.
  • the method for determining the location of the financial terminal may be stored in a computer readable recording medium recording a program.
  • the location where the financial terminal is actually used is automatically used using location data of a political user.
  • the location-based service can be applied to the mobile financial terminal.
  • the error that may occur at the time of location determination may be corrected to some extent by using the plurality of location information.
  • the present invention by identifying the actual position where the financial terminal is actually used, it can be confirmed that it is different from the position on the document (or system) of the financial terminal. It is effective to identify the financial terminal used in the location and elsewhere.
  • FIG. 1 is a schematic system configuration for a method for determining a financial terminal location according to an embodiment of the present invention.
  • FIG. 2 is a schematic system configuration for a method for determining a financial terminal location according to another embodiment of the present invention.
  • FIG. 3 shows a schematic configuration of a financial terminal position determination system according to an embodiment of the present invention.
  • FIG. 4 is a view for explaining a process of determining the position of the financial terminal according to the method of determining the position of the financial terminal according to an embodiment of the present invention.
  • FIG. 5 is a diagram for describing a process of determining a position of a movable financial terminal according to a method for determining a position of a financial terminal according to an embodiment of the present disclosure.
  • FIG. 6 illustrates an example in which a determination position for each financial terminal determined according to a financial terminal position determining method according to an embodiment of the present invention is stored.
  • the component when one component 'transmits' data to another component, the component may directly transmit the data to the other component, or through at least one other component. Means that the data may be transmitted to the other component.
  • FIG. 1 is a schematic system configuration for a method for determining a financial terminal location according to an embodiment of the present invention.
  • the position determination system 100 of a financial terminal may be included in a predetermined financial system 10 and installed.
  • the financial system 10 may include a financial institution system that approves the financial transaction request or a financial institution system to process the financial transaction request when the party nominee requests the financial transaction using the financial terminal 200. It may be a predetermined system (for example, a value added network (VAN) system, a financial terminal related system, or a financial settlement agency system, a payment or security related system, etc.) intervening between financial terminals to secure financial transactions. That is, the financial system 10 may refer to any type of system capable of identifying the financial terminal 200 or identifying a party nominal corresponding to a financial transaction request. According to an implementation example, the financial system 10 may be a system implemented such that separate systems operated by different entities are organically coupled through wired and wireless networks to achieve the technical idea of the present invention. That is, the system for identifying the financial terminal 200 and the system for identifying the party nominee may be different systems. In this case, the financial system 10 in the present specification may be used to mean the two systems. .
  • VAN value added network
  • the financial system 10 may identify a party name holder corresponding to the financial transaction request, that is, a party name holder requesting the financial transaction, using the financial terminal 200.
  • the party nominee may mean, for example, a payment nominee included in payment information when the financial transaction request is payment.
  • the name of the card the name of the mobile terminal in the case of mobile payment ('mobile terminal' in the present invention refers to a personal mobile device that can be used as a location information providing means such as a mobile phone
  • a mobile terminal means a mobile terminal registered or reported by a party nominee who can make a fair payment even if it is a mobile terminal corresponding to his / her real name or a mobile terminal of another person's name.
  • the financial transaction request is cash withdrawal, account transfer, etc.
  • the financial transaction request may be a name holder of the account used for the financial transaction.
  • the financial system 10 may identify the financial terminal 200 requesting the financial transaction. Identifying the financial terminal 200 may refer to identifying identification information of the financial terminal 200. Identification information of the financial terminal 200 may vary according to the type of the financial terminal 200. For example, when the financial terminal 200 is a device connected to the financial system 10 through a public switched telephone network (PSTN), a telephone number, a modem identification number, or a financial terminal (as assigned to the financial terminal 200) 200) The identification information may be a specific code value assigned by the relevant company or the financial settlement network. When the financial terminal 200 is a device connected to the financial system 10 through an IP network, an IP address, a MAC address, or a company or financial settlement related to the financial terminal 200 is assigned to the financial terminal 200. The specific code value assigned by the network may be the identification information.
  • the financial terminal 200 may be, for example, a financial transaction apparatus that performs financial transactions such as various types or various methods of payment, ATM, POS.
  • the position determination system 100 of the financial terminal may determine the position of the party nominee requesting a predetermined financial transaction through the financial terminal 200.
  • the financial system 10 may identify identification information (eg, a phone number, a Mac, a USIM number, etc.) of a mobile terminal 300 corresponding to a party nominee (that is, a mobile terminal 300 registered or reported by the party nominee). ) Can be stored.
  • the financial system 10 may include information (eg, a card, mobile identification information, or the like) included in the financial transaction request. Account information, etc.) to identify the party nominee.
  • the mobile terminal 300 of the party nominee can be identified using the identified information on the party nominee.
  • the identification information of the mobile terminal 300 may be an example that may be used as information for identifying the location of the party nominee.
  • the position determination system 100 of the financial terminal may assume the position of the mobile terminal 300 as the position of the party nominee.
  • the mobile terminal 300 may communicate with a predetermined external system (eg, a mobile communication company system, a predetermined LBS (Location Based Service) system, etc.) to determine the location of the mobile terminal 300. And it can receive information about the location of the mobile terminal 300 from the external system.
  • a predetermined external system eg, a mobile communication company system, a predetermined LBS (Location Based Service) system, etc.
  • the position determination system 100 of the financial terminal may receive information on the position of the mobile terminal 300 directly from the mobile terminal 300.
  • the mobile terminal 300 may be provided with a predetermined means (eg, a GPS (Global Positioning System) module) for determining its own location.
  • the mobile terminal 300 may be provided with a predetermined application for implementing the technical idea of the present invention, the position determination system 100 of the financial terminal through the application position of the mobile terminal 300 Information may also be received.
  • the position determination system 100 of the financial terminal may determine the position of the party nominee without using the position of the mobile terminal 300.
  • the location information of the party nominee may be received from the service system.
  • a service system for providing a service when a party nominee performs tagging through a short range RF communication or a party nominee directly inputs his information or his location in a device installed at a predetermined location. It is also possible to receive the location information of the party nominee from.
  • the location determination system 100 of the financial terminal may determine information on the location of the party nominee.
  • the financial system 10 may check identification information of the financial terminal 200 used by the financial terminal 200. This means that in order for the financial terminal 200 to communicate with the financial system 10 (eg, dialing or an IP session), the financial system 10 confirms identification information of the financial terminal 200. Because it can.
  • the method of confirming the network identifier may vary according to the type of network.
  • predetermined means for confirming identification information of the financial terminal 200 may be installed in the position determining system 100 and / or the financial system 10 of the financial terminal.
  • the financial system 10 can identify identification information of the financial terminal 200 that is currently making a financial transaction request to the financial system 10.
  • the position determination system 100 of the financial terminal may determine the position of the financial terminal 200 based on the position of the party nominee who makes a financial transaction request using the financial terminal 200.
  • the position determination system 100 of the financial terminal performs the financial transaction request by using the financial terminal 200, that is, once the position of the party name corresponding to the financial transaction request. It may be determined and the determined position may be determined as the position of the financial terminal 200.
  • the financial system 10 may provide a location-based service based on the location of each of the financial terminal 200 and the party nominee. In this case, when the financial transaction request is first performed using the location-based service, the financial transaction request is usually a legitimate subject.
  • the financial terminal position determination system 100 may determine the position of the party nominee once and determine the identified position as the position of the financial terminal 200.
  • a financial transaction request is currently made using the financial terminal 200 from a system of a party nominee (for example, the mobile terminal 300 or a user's wired / wireless communication system such as an email) that subscribed to the service.
  • a party nominee for example, the mobile terminal 300 or a user's wired / wireless communication system such as an email
  • Whether or not, or whether or not present in the same position as the financial terminal 200 and may determine the identified position as the position of the financial terminal 200. There may be other ways.
  • the person making a financial transaction request using the financial terminal 200 is a person other than the party name, for example, the party name person makes another person perform a financial transaction or the financial information or payment of the party name.
  • the position of the financial terminal 200 and the position of the party nominee may be different.
  • the position of the party nominee is identified as the location of the mobile terminal 300 of the party nominee, the position of the financial terminal 200 is determined when the party nominee does not have his or her mobile terminal 300. It may not be appropriate to map directly to the location of the party nominee at once.
  • the technical idea of the present invention is that if there is a position in which a political party's position is repeated (or similar) more than a statistically significant number for any one financial terminal 200, the financial terminal 200 indicates the corresponding position. It can also be determined by the position of. This technical idea will be described in detail with reference to FIG. 4.
  • a method of determining the location (or location of a merchant) of a conventional financial terminal is simply a location reported by a sales entity such as a store owner of a financial transaction affiliate to the financial system 10 or an operator or financial system related to the financial terminal 200.
  • the position of the financial terminal 200 is different from the conventional method (that is, the position of a party nominee), compared to the conventional method. By using the decision, it is possible to automatically identify a more accurate position.
  • the conventional method is a method in which a person manually grasps the location of the financial terminal and registers it in the financial system 10, even if the location of the actual financial terminal is changed, the wrong location information is incorrect as long as the person does not change the information.
  • the position of the party nominee who actually uses the financial terminal 200 is mapped to the position of the financial terminal 200, so that the financial terminal 200 can be moved even if the financial terminal 200 is movable.
  • the position of the financial terminal 200 may be understood as the position of the financial terminal 200 moved.
  • the location information of the mobile terminal 300 includes a GPS value or a value received from an external system. Can be reduced to a few meters.
  • the error is about several meters, and even when the position of the mobile terminal 300 is determined based on a base station in a mobile communication company system providing a wireless network to the mobile terminal 300, the error is The accuracy may not exceed a hundred meters.
  • the location information of the mobile terminal 300 may be more precisely identified. The smaller the error of the location information of the mobile terminal 300 is, the more accurate the location of the financial terminal 200 may be obtained. There is.
  • a plurality of party nominee may request a financial transaction for any one financial terminal 200, at this time, the position of the number of party nominees in a positioning method having a certain range of errors If is determined, the position of the financial terminal 200 by determining the position of the financial terminal 200 inversely by using the error range and the identified position information when the position of the mobile terminal 300 It may also be arithmetically estimated to have a smaller error than within the error range of. Since such an arithmetic estimation method may vary, a detailed description thereof will be omitted. Therefore, when the position of a plurality of political party nominee with respect to the same financial terminal 200, there is an effect that the position of the financial terminal 200 more accurate.
  • FIG. 1 has described the case where the financial terminal position determination system 100 is included in a predetermined financial system 10 and installed, the financial terminal position determination system 100 is separately from the financial system 10.
  • the financial terminal location determination system 100 may receive identification information of a party nominee and an identification degree of the financial terminal 200 from separate systems, respectively.
  • the location determination system 100 of the financial terminal receives identification information or location information of the party's mobile terminal 300 through a financial institution system (not shown), and the identification information of the financial terminal 200 is a VAN company. It may be received from a financial settlement or security provider system (not shown), such as a financial terminal 200 related operator system or a financial settlement agency.
  • FIG. 2 is a schematic system configuration for a method for determining a financial terminal location according to another embodiment of the present invention.
  • the financial terminal position determination system 100 may be implemented separately from the financial system 10, and is connected to the financial system 10 through a wired or wireless network to implement the technical idea of the present invention. It is possible to send and receive predetermined information.
  • the financial terminal position determination system 100 may receive identification information of the financial terminal 200 from the financial system 10. have.
  • the financial terminal position determination system 100 for the mobile terminal 300 from the financial system 10 Information may also be received.
  • the financial system 10 grasps information on the location of the party nominee in the same manner as described above, the financial terminal location determination system 100 obtains the information on the location of the party nomination. Of course it can be transmitted.
  • the average expert in the technical field of the present invention can easily infer that various information for implementing the technical idea of the present invention can be transmitted and received between the financial system 10 and the financial terminal position determination system 100. There will be.
  • a part of the configuration of the financial terminal position determination system 100 may exist in the financial system 10 and a part may exist outside, to implement the technical idea of the present invention.
  • the financial system 10 includes various systems such as a financial institution system (not shown), a financial terminal-related operator system (not shown), a financial settlement or security company operator system (not shown), and the like.
  • An average expert in the technical field of the present invention may easily deduce that the determination system 100 may implement the technical idea of the present invention while communicating with each of the above systems in a wired or wireless manner.
  • FIG. 3 shows a schematic configuration of a financial terminal position determination system according to an embodiment of the present invention.
  • the financial terminal position determining system 100 includes a control module 110, an identification module 120, and a positioning module 130.
  • the financial terminal position determination system 100 may further include a predetermined DB 140.
  • the financial terminal position determination system 100 may include hardware resources and / or software necessary for implementing the technical idea of the present invention, and necessarily means one physical component or one device. It is not. That is, the financial terminal position determination system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, the financial terminal position determination system 100 may be installed in devices spaced apart from each other. By performing a function may be implemented as a set of logical configurations for implementing the technical idea of the present invention. In addition, the financial terminal location determination system 100 may refer to a set of components that are separately implemented for each function or role for implementing the technical idea of the present invention.
  • module in the present specification may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware.
  • the module may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily inferred by the average expert in the art.
  • the control module 110 is a resource and / or other components (e.g., identification module 120, the positioning module 130, and / or DB 140) in order to implement the technical idea of the present invention. Or you can control the function.
  • the identification module 120 may check identification information of the financial terminal 200 that transmits a predetermined financial transaction request to the financial system 10. Confirming the identification information means that the identification module 120 not only directly identifies the identification information of the financial terminal 200 but also receives the identified identification information from the outside such as the financial system 10. It can be used to include cases. For example, the identification module 120 may receive identification information of the financial terminal 200 from the financial system 10. When the financial terminal position determination system 100 is included in the financial system 10 and implemented, the identification module 120 may directly identify the identification information.
  • the positioning module 130 may check the information on the position of the party nominee corresponding to the financial transaction request using the financial terminal 200.
  • the party nominee corresponding to the financial transaction request may mean a valid nominee capable of performing the financial transaction.
  • the location determining module 130 may receive information on the location of the party nominee from an external system (eg, a mobile communication company system, a predetermined LBS system) as described above to determine the location of the party nominee.
  • the external system may determine the location of the mobile terminal 300 of the party nominee and transmit the location to the positioning module 130.
  • the external system may transmit information about the location of the party nominee to the location confirmation module 130.
  • the positioning module 130 may receive information on the location of the mobile terminal 300 from the mobile terminal 300 of the party nominee.
  • the mobile terminal 300 may be provided with a predetermined means (for example, a GPS module) capable of determining its own location. Then, the mobile terminal 300 may be a position determined by the means. Information about may be transmitted to the positioning module 130.
  • control module 110 may determine the location of the financial terminal 200 corresponding to the identification information confirmed by the identification module 120 based on the location information of the party nominee confirmed by the location identification module 130. have.
  • control module 110 In order for the control module 110 to determine the location of the financial terminal 200 using the location information of the party nominee identified by the location determination module 130, requesting a financial transaction using the financial terminal 200.
  • the party nominee is preferably a legitimate financial transaction nominee existing at the same location as the financial terminal 200.
  • the location of the financial terminal 200 is the mobile terminal 300. It can be determined by the position of. However, the position of the financial terminal 200 and the position of the mobile terminal 300 may be a completely different position.
  • control module 110 should be identified as the position of the party nominee the same or similar position more than a predetermined number of times with respect to the identification information of the specific financial terminal 200, the confirmed position to the position of the financial terminal 200 You can also decide.
  • the positions of a plurality of party nominees are accumulated at the same position with respect to the same financial terminal 200, the reliability of the position of the financial terminal 200 may be increased by the accumulated number of times.
  • the control module 110 determines whether a political party corresponding to the financial transaction request has requested the financial transaction directly using the financial terminal 200 for a predetermined financial transaction request. (I.e., whether or not to directly go to the location of the financial terminal 200 to request a financial transaction) or whether the user owns his or her mobile terminal 300. It may be received from a wired / wireless communication system (eg, an email system, a web application system, etc.) or the mobile terminal 300 available to a party nominee. As such, when the party nominee confirms that he or she has requested a financial transaction at a location close to the financial terminal 200, the party nominee is determined as the location of the financial terminal by using the location of the party nominee identified as a determination position. It may be.
  • a wired / wireless communication system eg, an email system, a web application system, etc.
  • 4 is a view for explaining a process of determining the position of the financial terminal according to the method of determining the position of the financial terminal according to an embodiment of the present invention.
  • 5 is a view for explaining a process of determining the position of the movable financial terminal according to the financial terminal position determination method according to an embodiment of the present invention.
  • the financial terminal position determination system 100 may check identification information of the predetermined financial terminal 1. In this case, the position of the party nominee corresponding to the financial transaction request may be confirmed. Whenever the financial transaction request is received, the financial terminal position determination system 100 may check the position of the party nominee corresponding to the financial transaction request. Each time the control module 110 is confirmed, the control module 110 may store the checked location in the DB 140. Then, when the identified plurality of location information is illustrated according to the location value, it may be as shown in FIG. 4. In this case, the control module 110 may determine the location of the financial terminal 1 only when location information (that is, normal location data) corresponding to a predetermined criterion exists among the plurality of location information.
  • location information that is, normal location data
  • the criterion may be a criterion in which each position value has a predetermined number or more of location information within a predetermined distance.
  • location information having a location value corresponding to a location within a predetermined range or area 20 may be location information having location values within the distance from each other. Therefore, the control module 110 can determine the location of the financial terminal 1 only when a predetermined number of location information (eg, 21, 22, 23, etc.) exist in the area 20.
  • the position determined by the control module 110 may be a position of the region 20 or a position value of one of specific position information (eg, 21, 22, 23, etc.) existing in the region 20.
  • the location of the financial terminal 1 may be determined using a representative value (eg, a median value, an average value, etc.) of the location values of the location information existing in the area 20.
  • a representative value eg, a median value, an average value, etc.
  • the respective location information is within a certain distance due to an error in the positioning of the mobile terminal 300. You will have slightly different location values.
  • the error range is known in advance, the area where the actual financial terminal can be located for each location information (eg, 21, 22, 23) existing in the area 20 is identified, and the area overlapping most frequently. In other words, it is possible to determine the location where the actual financial terminal is most likely to be located. In this case, the position value of the financial terminal having a much smaller error range than the error range at the time of positioning the mobile terminal 300 may be determined.
  • the location information 30 or the location information 31 may be a case where an illegal user (a card acquirer or a financial information thief) requests a financial transaction using the financial terminal 1.
  • the case may be a case where a party name corresponding to the financial transaction request has made the financial transaction request to another person.
  • the party nominee may be represented at a distance far from the position of the financial terminal 1 at the request of the financial transaction, and thus may be represented as the location information 30 or the location information 31.
  • the location information 30 or the location information 31 may not have the party no longer possessing the mobile terminal 300.
  • the location information may be used when the financial terminal 1 is used at a distance away from the predetermined distance.
  • the location information 30 and / or the location information 31 are not considered when the control module 110 determines the location of the financial terminal 1. do. Therefore, location information that is not suitable for being used to determine the location of the financial terminal 1 has the effect of filtering.
  • various location data for a specific financial terminal may be stored in the DB 140.
  • the location data except for location data which is not suitable for being used to determine the location of the financial terminal is included in the normal location.
  • the normal position data may be data satisfying the predetermined criterion.
  • location information of the party nominee determined by the positioning module 130 (or the position of the mobile terminal 300) Information, 21, 22, 23, etc.) may be somewhat different as shown in FIG. 4. This may be a measurement error when determining the position of the mobile terminal 300 by GPS or triangulation.
  • the normal position data satisfying a predetermined criterion may exist in a plurality of groups (for example, 30, 40, 50, etc.). That is, in this case, the control module 110 may determine a plurality of positions of the financial terminal 2. This may be the case, for example, when the financial terminal is used while moving in some specific locations. For example, a given franchisee may use the financial terminal at a plurality of business places using one financial terminal. In this case, as shown in FIG. 4, positions of party nominees corresponding to each of the plurality of financial transaction requests may form a predetermined group (eg, 30, 40, 50).
  • a predetermined group eg, 30, 40, 50
  • the physical location of the financial terminal 2 may be determined as a location corresponding to the area 30, the area 40, or the area 50, respectively. Therefore, according to the technical idea of the present invention, there is also an effect that can grasp all the positions where the specific financial terminal can be used.
  • control module 110 may check the position of the party nominee whenever a financial transaction request is received from the financial terminal 200 to determine the position of the financial terminal 200.
  • the identified party's location may be stored in the DB 140 to correspond to the location of the network identifier.
  • the location information stored in the DB 140 will be defined as location data. Then, the control module 110 may determine the position of the financial terminal 200 using the position data stored in the DB 140 as described in FIG.
  • a position is determined for a predetermined financial terminal 200
  • another position does not satisfy a predetermined criterion (that is, a predetermined number or more of position information exists within a predetermined range) as shown in FIG.
  • the position of the financial terminal 200 may be maintained as it is.
  • the determination position determined as the position of the financial terminal 200 and the position information of a predetermined distance or more may be repeatedly checked.
  • the control module 110 changes the determined position determined for the financial terminal 200 to meet the other criteria newly. You can also change to the decision position.
  • the financial terminal position determination system 100 may determine whether to additionally map the determination position or change the already determined determination position for the specific financial terminal 200.
  • the control module 110 checks whether the position information corresponding to the existing determination position is checked for a certain period of time. Can be monitored. If location information corresponding to the existing decision location is checked even after the new decision location is determined, the control module 110 may further map the new decision location to the financial terminal 200. If the position information corresponding to the existing determination position is not confirmed for a certain period of time, the control module 110 may map the new determination position by replacing the existing determination position.
  • the financial terminal 200 may be used while moving. If it is mapped in place of the existing determination position, the position of the financial terminal 200 may be changed. For example, when the location of the actual financial terminal 200 is changed, for example, when a merchant moves, since the location information is no longer checked at the existing determination location, in this case, the location of the financial terminal 200 is new. Can be replaced by a decision position. Therefore, according to the technical concept of the present invention, even when an operating entity such as an affiliated store owner having the financial terminal 200 does not notify the financial system 10 that the location of the financial terminal 200 has been changed, There is an effect that the new location of the terminal 200 can be automatically identified.
  • control module 110 is a wired / wireless communication system corresponding to the party nominee (for example, a computer or email system of the party nominee party of any kind that can communicate with the control module 110) System) or the mobile terminal 300 may receive information on whether the party nominee has made a financial transaction request using the financial terminal 200 or whether the party possesses its own mobile terminal 300. have.
  • the procedure for receiving the above-mentioned information through the system of the party nominee may be performed only when the determination position satisfying the predetermined criteria as described above is newly confirmed.
  • the determination position that satisfies the predetermined criterion is newly confirmed, it may not be frequent, and thus, a procedure for confirming the connection position and / or whether or not to the party nominee may not be frequently performed. Therefore, the inconvenience of the party nominee may not be large.
  • the financial terminal 200 may be a mobile financial terminal.
  • the financial terminal 200 may be a terminal that performs a financial transaction while moving within a predetermined distance based on a predetermined location (eg, the location of the affiliated store 61).
  • a sales entity that delivers a specific product may use a mobile payment device.
  • the financial terminal 200 may be used within a predetermined distance based on the location (eg, 61) of the sales branch of the sales entity. Can be.
  • the normal position data for determining the determination position may be position data existing within a predetermined distance, that is, the first distance.
  • the first distance may be a position corresponding to an error in confirming the position of the party nominee.
  • the normal position data is The location information may correspond to location information existing at a distance of 10m (or slightly longer than 10m) about a specific location. In this case, the first distance may be about 10m.
  • the location information of the party nominee confirmed in accordance with each of the plurality of financial transaction requests may exist more than a certain number within the second distance having a larger value than the first distance. That is, the plurality of confirmed location information may have a shape that is larger than a predetermined first distance as shown in FIG. 5 but crowded more than a predetermined number within a predetermined distance range. That is, a plurality of location information may form a predetermined area 60, which may be the case where the financial terminal 200 moves based on a specific location (eg, 61).
  • the control module 110 may determine that the predetermined area 60 is formed as shown in FIG. 5. .
  • the control module 110 may determine the area 60 itself as the determination position of the financial terminal 200.
  • a plurality of location information having a predetermined reference within the first distance may exist in the area 60 to form the predetermined areas 70 and 80.
  • the financial terminal 200 may be a mobile financial terminal and a financial transaction is repeatedly requested at a specific location (a position corresponding to the region 70 and the region 80).
  • the control module 110 may determine the determination position of the financial terminal 200 by using the normal position data included in the region 70 and the region 80.
  • the control module 110 may determine the determination position of the financial terminal 200 by using the normal position data included in the region 70 and the region 80.
  • the control module 110 may determine the determination position of the financial terminal 200 by using the normal position data included in the region 70 and the region 80.
  • the control module 110 may determine the determination position of the financial terminal 200 by using the normal position data included in the region 70 and the region 80.
  • the control module 110 may determine the determination position of the financial terminal 200 by using the normal position data included in the region 70 and the region 80.
  • the control module 110 may determine the determination position of the financial terminal 200 by using the normal position
  • the location existing in the area 60 is the financial terminal. It may be determined to match the position of 200.
  • FIG. 6 illustrates an example in which a determination position for each financial terminal determined according to a financial terminal position determining method according to an embodiment of the present invention is stored.
  • a predetermined position is determined and stored for each identification information of the financial terminal 200 in the DB 140 by the above-described method. Can be. Only one determination position (determination position 1) may be mapped to a specific financial terminal (identification information 1).
  • a plurality of determination positions may be mapped to other financial terminals (identification information 2), and a plurality of determination positions (determination positions 4 and area 1) are also mapped to another financial terminal (identification information 3). Can be.
  • one or more locations may be mapped for each financial terminal, and the technical concept of the present invention is automatically determined by the financial terminal, compared to the conventional method. There is an effect that can be pinpointed the location used.
  • the location of the party nominee which is identified when the unplanned malicious hijacker or party nominee does not possess the mobile terminal 300, can be filtered using a predetermined condition as described above, so that the location of each financial terminal can be more accurately determined. You can figure it out.
  • the financial terminal on the document (or system) registered or reported to a predetermined financial institution and the actual position of the financial terminal is different, it is determined that the financial terminal has a high probability of being used for an illegal financial transaction. It also has the effect of filtering out some legitimate financial transactions.
  • the method for determining the location of a financial terminal may be embodied as computer readable codes on a computer readable recording medium.
  • Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations.
  • the computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.
  • the location of financial terminals can be identified and applied to various services.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Mobile Radio Communication Systems (AREA)

Abstract

La présente invention concerne un procédé et un système pour déterminer la position d'un terminal de transaction financière. Le système pour déterminer la position du terminal de transaction financière comprend : un module d'identification pour vérifier l'identification du terminal de transaction financière réalisant une requête pour une transaction financière si le terminal de transaction financière demande à un système bancaire la transaction financière par l'intermédiaire d'un réseau ; un module de vérification de position pour vérifier des informations de position d'un utilisateur valide correspondant à la requête de transaction financière ; et un module de commande pour déterminer une position déterminée sur la base des informations de position vérifiées par le module de vérification de position, en tant que position du terminal de transaction financière.
PCT/KR2012/006091 2011-10-28 2012-07-31 Procédé et système de détermination de la position d'un terminal de transaction financière WO2013062214A1 (fr)

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KR1020110111353A KR101195030B1 (ko) 2011-10-28 2011-10-28 금융 단말기 위치 판단 방법 및 시스템
KR10-2011-0111353 2011-10-28

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EP3414957A4 (fr) * 2016-02-12 2019-01-16 Visa International Service Association Procédé et système pour déterminer un emplacement de terminal

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KR101313413B1 (ko) 2012-08-31 2013-10-01 주식회사 엘지씨엔에스 업무 처리 장치, 방법 및 기록 매체
EP3129935A4 (fr) * 2014-04-08 2017-11-08 Capital One Financial Corporation Systèmes et procédés permettant d'effectuer des transactions au niveau d'un dab à l'aide d'un dispositif mobile
KR102417108B1 (ko) * 2017-07-18 2022-07-07 갤럭시아머니트리 주식회사 금융자동화기기를 이용하는 비트코인 기반의 출금 거래 시스템 및 방법
RU2766156C1 (ru) * 2021-02-03 2022-02-08 Общество с ограниченной ответственностью "Технологии Отраслевой Трансформации" (ООО "ТОТ") Способ и устройство определения населенного пункта, в котором установлен терминал

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US11810115B2 (en) 2016-02-12 2023-11-07 Visa International Service Association Method and system for determining terminal locations

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