KR100370598B1 - Method of remitting or claiming for payment using phone number and apparatus thereof - Google Patents

Abstract

The present invention relates to remittance and billing transactions between accounts opened in financial institutions, such as banks, and more particularly, to a system capable of inquiring accounts using telephone numbers and making remittance and billing transactions between the accounts. It is about.

The present invention provides an account registration method for registering an account of a financial institution as an account associated with a user's telephone number, if a user requests an application; A user verification method of finally verifying a user of the registered account when a user request is made; A remittance method of receiving remittance details from a remitter, generating transfer information according to the remittance details, and notifying the recipient of the transfer information when a user requests a remittance request; A receiving method for depositing a deposit account associated with the telephone number if a deposit request is made from the payee; Receiving the billing details from the claimant, and includes a billing method for notifying the pizza claimant of the billing details. The present invention also includes a method for account inquiry, transaction inquiry, account termination, remittance cancellation transaction, and according to the present invention, the user does not use the account number of a multi-digit financial institution, but only a phone number such as a mobile phone number. In addition, it is convenient to be able to make various financial transactions such as remittance, transfer and inquiry.

Description

Method of remittance / billing using telephone number and device therefor {Method of remitting or claiming for payment using phone number and apparatus}

The present invention relates to remittance and billing transactions between accounts opened in financial institutions, such as banks, and more particularly, to a system capable of inquiring accounts using telephone numbers and making remittance and billing transactions between the accounts. It is about.

Looking at the prior art, (1) the existing phone banking (Phone Banking) service is a service that allows the user to look up his account by phone, and to send money to others. However, even when using the phone banking, you can still send money to others only if you know their account number and the account number of others, so it is inconvenient to manage the multiple digit account number.

In addition, (2) the existing Internet Banking service is a service that allows users to access their bank's homepage, search their accounts, and transfer and pay to others by using the Internet. However, even when using the Internet banking service, you still need to know the account number of yourself and the other party is not different from the phone banking, in particular, there is a disadvantage that the use is not possible without the environment to use the Internet.

An object of the present invention is to provide an account management method associated with a phone number for registering an account associated with a phone number and finally registering the account as an account capable of financial transactions using the phone number.

Another technical problem to be achieved by the present invention is a remittance method using a telephone number to transfer or transfer from the account associated with the remittee's phone number or the account associated with the recipient's phone number using a communication means including a telephone To provide.

Another technical problem to be achieved by the present invention is to provide a remittance and billing system using a phone number that provides the function.

FIG. 1A is a diagram illustrating a remittance transaction in the case where both the remitter and the payee make a transaction using an account of the same bank associated with a telephone number.

FIG. 1B is a diagram illustrating a remittance transaction in the case where both the remitter and the payee make a transaction using an account of another bank associated with a telephone number.

Figure 2a is a remitter using a general account, the recipient uses a phone number associated with the account, the transfer is a configuration diagram when the accounts are all the same bank account.

Figure 2b is a remitter using a general account, the recipient uses a phone number associated with the account, the transfer chart is when the accounts are other bank accounts.

3 shows the overall configuration of a remittance and billing system using a telephone number.

4 is a flowchart of a withdrawal account registration transaction.

5 is a flow chart of a deposit account registration transaction.

6 is a flowchart of a user confirmation transaction.

7 is a flowchart of a remittance transaction.

8 is a flowchart of a receiving transaction.

9 is a flowchart of a billing transaction.

10 is a flowchart of a withdrawal account termination transaction.

11 is a flowchart of a deposit account termination transaction.

12 is a flowchart of a remittance transaction inquiry transaction.

13 is a flowchart of a receiving transaction inquiry transaction.

14 is a flowchart of a remittance transaction cancellation transaction.

15 is a flowchart of an account inquiry transaction.

Account management method associated with the phone number of the present invention for solving the above problems is (a) account registration step of registering with the account associated with the phone number, generating a random number secret code and transmitting to the user; (b) receiving information including a unique code, a random number secret code and a telephone number of the user verification applicant; (c) comparing the input random number secret code with the random number secret code transmitted to the user to determine whether the user verification applicant has the right to use the account associated with the telephone number; And (d) finally registering an account associated with the phone number as an account capable of trading using the phone number.

The account registration step according to the present invention comprises the steps of receiving the information including the unique code, account secret code, telephone number of the applicant account registration; Comparing the input account secret code with bank account information to determine whether the account registration applicant has the right to use the account; Registering an account associated with the telephone number and calculating a random password; And transmitting the random number secret code to the account registration applicant.

Remittance method using a phone number according to the present invention includes (a) an account registration step of registering an account associated with a phone number; (b) receive the remittance details including the remitter's telephone number, remittance amount, remittee's telephone number and withdrawal account secret code from the remitter, generate transfer information according to the remittance details, and notify the remittee of the transfer information; Doing; (c) checking, by the recipient, the transferred information; And (d) receiving a request for depositing into the account associated with the telephone number from the payee.

The remittance method may include a remittance transaction canceling step. The remittance transaction canceling step may include receiving information including a remitter's telephone number, a secret code of a withdrawal account, and a remittance transaction code from a remitter; Comparing the secret code of the inputted withdrawal account with the account secret code associated with the telephone number of the bank to determine whether the remitter has the right to use the withdrawal account; If the remittance transaction cancellation request of the remitter transaction cancellation request is before the step (d) after the step (b), it further comprises a remittance transaction cancellation step of updating the remittance transaction details and cancel the transfer.

The method of claiming funds using a telephone number according to the present invention includes: (a) an account registration step of registering an account associated with a telephone number; (b) receiving a billing statement including the other party's telephone number, his / her telephone number, and the amount charged from the claimant; (c) verifying a deposit target account from the telephone number of the claimant; And (d) characterized in that it comprises the step of notifying the pizza claimant of the billing details.

The fund billing method includes: an account registration step of registering an account associated with a pizza claimant's phone number; Receiving a request for payment according to the telephone number associated with the account of the pizza claimant and the received billing details; And transferring the payment from the account associated with the pizza claimant's phone number to the account associated with the billee's phone number.

Remittance and billing system using a telephone number according to the present invention includes an input unit for receiving information including a random number secret code, a telephone number, a random number secret code, account secret code, remittance amount or bill amount; An account verification unit for determining whether the user has the right to use the account associated with the telephone number by comparing the received information with an account secret code or a random number secret code held by a financial institution; A remitter for generating transfer information on the remitter according to the remitter's request, and remitting the remittance money from the remitter's withdrawal account to the remittee's remittance account upon request of the remittee; A storage unit which stores the information including the received information and the transfer information; And an output unit for transmitting the information including the transfer information to the user.

The telephone number in the present specification means a user number or a user code of all communication means to enable a conversation between wired and mobile telephones, as well as other spaced persons.

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

FIG. 1A is a diagram illustrating a remittance transaction in the case where both the remitter and the payee make a transaction using an account of the same bank associated with a telephone number. The remitter 111 registers the withdrawal account associated with the telephone number to the bank 113 through the telecommunication company 112 (①), and the recipient 115 communicates with the telephone number to the bank 113 via the telecommunication company 114. Register (①) the linked deposit account. The bank 113 confirms the withdrawal account through the telecommunication company 112 to the account for the financial transaction using the telephone number (②). When the remitter 111 inputs the remittance details to the bank (③), the telecommunication company 112 requests the user 111 and 115 to confirm the remittance details (④), and when the user approves the remittance details, The recipient 115 will be informed (⑤) of the information on the remittance details. When the recipient confirms the receipt according to the remittance details information (⑥), the remittance transaction is made through the step (⑦) in which the transfer result is notified to the remitter 111 and the recipient 115.

FIG. 1B is a diagram illustrating a remittance transaction in the case where both the remitter 121 and the remittee 128 perform a remittance transaction using an account of another bank associated with a phone number. The remittance transaction shown in FIG. 1B is basically the same as the remittance transaction shown in FIG. 1A. However, in this case, the remittance transaction is a case where an account associated with a phone number exists between other banks (123 and 126), and the remittance details inputted by the remitter 121 is transmitted to the remitter via the remitter-side communication company 122. Bank A (123) is transferred to Bank A (123), which has an account of Bank B (126), in which an account associated with the recipient's telephone number is registered through the server of the financial settlement agency (124) or the firm banking institution (125). The remittance history information is transmitted to. The bank B notifies the remittee 128 of the remittance history information through the recipient side communication company 127. In this case, the basic remittance transaction step is the same as the remittance transaction step in FIG. 1A described above, but there is a difference in that transaction related information is transmitted and received between other banks.

Figure 2a is a remitter side 211 using a general account, the recipient 214 is an account associated with a phone number, the transfer is a configuration diagram when the accounts are all the same bank account. At this time, the remitter 211 is shown assuming a case directly connected to the bank server through a bank teller or the Internet, landline. Referring to the remittance transaction step in this case, the payee 214 should register a deposit account associated with the telephone number (①) and have a deposit account associated with the telephone number, and the bank 212 may check the communication company 213. Through the deposit account is finally confirmed (②) to the account for the financial transaction using the phone number. In order to remit to the remitter 211, the remitter must input the remittance details (③) to the bank, and the telecommunication company 212 requests the remitter 211 to confirm the remittance details (④). The remittance details are notified (⑤) to the remittee 214, and when the remittee confirms receipt (⑥) according to the remittance details information, the remittance result is notified to the remitter 211 and the remittee 214 ( ⑦) Remittance transaction is made.

Figure 2b is a remitter side 221 is using a general account, the recipient 222 is a bank account associated with the phone number, the transfer transaction diagram when the accounts are other bank accounts. The remittance transaction shown in FIG. 2B is basically the same as the remittance transaction shown in FIG. 2A. However, in this case, the remittance transaction is a case in which there is an account to be traded between other banks (222 and 225), and the remittance details inputted by the remitter 221 are directly inputted to the A bank 222 where the remitter's account is located. The bank A transmits the remittance history information to the bank B 225 in which the account associated with the recipient's phone number is registered through the server of the financial settlement agency 223 or the firm banking institution 224. The bank B notifies the remittee 227 of the remittance history information through the recipient side telecommunication company 226. In this case, the basic remittance transaction step is the same as the remittance transaction step in FIG. 2A described above, but there is a difference in that transaction related information is transmitted and received between other banks.

3 shows the overall configuration of a remittance and billing system using a telephone number. The sender side communication means 301 or the receiver side communication means 302 is connected to the telecommunication company server 303 through a wired / wireless telephone communication network or an internet network such as a mobile (mobile phone), a computer, a landline telephone, or the like. The telecommunication company server 303 has its own customer DB 304 so that the telephone number provided by the sender side or the receiver side and the telephone number registered in the actual telecommunication company match or with respect to the telephone number. It is possible to determine whether the remitter or the remittee has the right to use. The telecommunication company server 303 is connected to the server 305 of the bank, such as transaction history information received from the remitter side or the remitter side or information detected by the telecommunication company server or stored in the telecommunication company customer DB And the like to the bank server 305, and the bank server compares the information received from the telecommunications company with the account information on the customer ledger DB provided therein, and the remitter side or the remitter side is justified for the account related to the transaction. It is possible to determine whether the user has the right to use, and if the remitter or the remittee has the right to use the transaction, the transaction is processed according to the transaction history information input by the remitter or the remitter. On the other hand, when the remitter side and the remitter side has an account with another financial institution 309, the steps described above are performed between the other financial institution accounts through the financial settlement agency 307 or the firm banking institution 308.

4 and 5 are flowcharts of a withdrawal account registration transaction and deposit account registration transaction. Obtain an ID number (401, 501) from the account registration applicant for his / her unique code such as a social security number, a phone number to be associated with a phone number, and a password (password code) of the account, and obtain a phone number to be linked with the account of the account registration applicant; . At this time, the phone number of the applicant for account registration is obtained by detecting the phone number from the telephone being used when the account registration applicant inputs the inputs or by receiving the input from the account registration applicant. In the next step, the entry and the telephone number are transmitted to the telecommunication company (402, 502), and the telecommunication company determines whether the account registration applicant has the right to use the telephone number (403, 503). do. Thereafter, the telecommunication company transmits the inputs and the phone number to the bank server (404 and 504), and the bank server includes the unique code of the account registration applicant, the number and secret code of the account and the customer ledger of the bank. By comparing the unique code of the account holder, the account number and the secret code recorded in the DB to determine whether the account registration applicant has the right to use the account (405, 505). If it is determined by the bank server that the applicant for account registration has the right to use the account, the bank registers the account in association with the telephone number in the customer ledger database of the bank, and then provides a random password (random number code) for user verification. Calculations (406, 506). The bank server transmits the account registration result and the random number secret code information to the telecommunication company (407 and 507). The communication company again transmits the information received from the bank server to the account registration applicant (408, 508). However, if the telecommunications company does not determine that the deposit account registration applicant has the right to use the telephone number, or if the account registration applicant does not determine that the bank account server has the right to use the account, Error information is sent (409, 509) and subsequent steps are not performed.

6 is a flowchart of a user confirmation transaction. The user identification applicant receives a unique code such as a resident registration number, a random number code generated in the withdrawal account registration and the deposit account registration transaction (601), and obtains a phone number associated with the account of the user verification applicant. In this case, the telephone number of the user verification applicant is a phone number associated with the account to be the user verification target by detecting a phone number from the telephone being used when the user verification applicant inputs the above inputs or receiving an input from the user verification applicant. Get In the next step, the entry and the phone number are transmitted to the communication company (602), and the communication company determines whether the user verification applicant has the right to use the phone number (603). Thereafter, the telecommunication company transmits the input information and the phone number to the bank server (604), and the bank server records the user's unique code, the random number secret code, and the user recorded in the bank's customer ledger database. Comparing the unique code of the owner of the account to be verified, the account number associated with the phone number, the random number code associated with the account, and the like, determine whether the user verification applicant has the right to use the user verification target account (605). If the bank server determines that the user verification applicant has the right to use the user verification target account, the received random number secret code and the random number secret code of the user verification target account on the bank's customer ledger database are determined. The comparison is made to check 606 that both agree. If it is determined that the above is the same, the user account DB of the bank is finally registered 607 to the account that can be used for various financial transactions using the phone number of the user verification target account. The bank server transmits the user identification information to the telecommunication company (608). The telecommunication company transmits the information received from the bank server to the user verification applicant (609). However, if the telecommunication company does not determine that the user verification applicant has the right to use the telephone number, or the bank server does not determine that the user verification applicant has the right to use the user verification target account or random number If the secret codes do not match, error information is sent 610 to the user and subsequent steps are not performed.

7 is a flowchart of a remittance transaction. Receiving the telephone number of the remittance transaction applicant, the secret code of the withdrawal account, the details including the remittance amount is input (701), and obtains the telephone number associated with the withdrawal account of the remittance transaction applicant. In this case, the telephone number of the remittance transaction applicant may obtain a telephone number associated with the withdrawal account by detecting the telephone number from the telephone being used when the remittance transaction applicant inputs the input items or by receiving the input from the remittance transaction applicant. In the next step, the input information and the telephone number are transmitted to the telecommunication company (702), and the telecommunication company determines whether the remittance transaction applicant has the right to use the telephone number (703). Thereafter, transfer the remittance transaction information including the above input to the remittance transaction applicant, receive input of whether to approve the remittance transaction from the remittance transaction applicant (704), and determine whether the remittance transaction applicant approves the remittance transaction details (705). do. Thereafter, the telecommunication company transmits the input and the phone number to the bank server (706), and the bank server includes the withdrawal account number associated with the phone number, the secret code of the withdrawal account and the bank account ledger database. Comparing the withdrawal account secret code recorded in the check whether the transfer transaction applicant has a right to use the withdrawal account (707), and the transfer transaction applicant has a right to use the withdrawal account in the bank server If it is determined that the remittance transaction log is written in the customer ledger database of the bank in the DB and the transaction code is collected (708). The bank server transmits information such as the name of the payee, the unique code of the payee, the remittance amount, and the transaction code to the telecommunication company (709). The telecommunication company transmits the information received from the bank server to the user verification applicant (710). However, if the telecommunications company does not determine that the remittance transaction applicant has the right to use the telephone number, or the bank server does not determine that the remittance transaction applicant has the right to use the withdrawal account, an error occurs to the user. If it is determined that the information is transmitted (711) and the remitter does not approve the remittance transaction details, the remittance cancellation information is transmitted to the remitter (712), and subsequent steps are not performed.

8 is a flowchart of a receiving transaction. Receiving transaction applicant inputs the payment account password, the item including the transaction code of the remittance transaction (801), and obtains the phone number associated with the deposit account of the recipient transaction applicant. At this time, the telephone number of the beneficiary transaction applicant obtains the telephone number associated with the deposit account by detecting the telephone number from the telephone being used when the beneficiary transaction applicant inputs the input items or by receiving the input from the beneficiary transaction applicant. In the next step, the input information and the telephone number are transmitted to the telecommunication company (802), and the telecommunication company determines whether the receiving transaction applicant has the right to use the telephone number (803). Thereafter, the receiving transaction information is transmitted to the receiving transaction applicant, the receiving transaction information is input from the receiving transaction applicant (804), the receiving transaction applicant determines whether the acceptance transaction details (805) do. Thereafter, the telecommunication company transmits the input information and the phone number to the bank server (706), and the bank server includes the deposit account number associated with the phone number, the secret code of the deposit account and the customer ledger database of the bank. Comparing the deposit account secret code recorded in the above, it is determined whether the receiving transaction applicant has the right to use the deposit account (807), and the receiving transaction applicant has the right to use the deposit account at the bank server. If it is determined that the remittance information is stored in the customer ledger DB of the bank and the transfer process (808). The bank server transmits the transfer result information to the telecommunication company (809). The telecommunication company transmits the information received from the bank server to the beneficiary transaction applicant (810). However, if the telecommunications company does not determine that the beneficiary transaction applicant has the right to use the telephone number, or the bank server does not determine that the beneficiary transaction applicant has the right to use the deposit account, an error is reported to the user. If it is determined that the information is sent (811) and the applicant does not approve the transaction details, the information is sent to the applicant (812) and the subsequent steps are not performed.

9 is a flowchart of a billing transaction. The claimant receives the telephone number of the claimant, the depositor's own deposit account secret code, and details of the amount of the charge, and obtains a phone number associated with the claimant's deposit account. At this time, the caller's phone number is obtained from the phone being used by the claimant when the funds are inputted, or the phone number associated with the deposit account is obtained by receiving the phone number from the applicant. In the next step, the entry and the phone number are transmitted to the communication company (902), and the communication company determines (903) whether the receiving transaction applicant has the right to use the phone number. Thereafter, the billing transaction is transmitted to the claimant, and the billing applicant receives an input (904) from the claimant to approve the request for the billing transaction. Determine whether to approve (905). Thereafter, the telecommunication company transmits the input information and the phone number to the bank server (906), and the bank server includes the deposit account number associated with the phone number, the secret code of the deposit account and the customer ledger database of the bank. By comparing the deposit account secret code recorded in the bank account, it is determined whether the claimant has the right to use the deposit account (907), and the bank server inquires the contents of the claim and the necessary information on the customer ledger database of the bank. Then, it transmits to the communication company (908). The communication company again transmits the information received from the bank server to the claimant applicant (909). However, if the claimant does not determine that the claimant has the right to use the telephone number, or if the claimant does not determine that the claimant has the right to use the deposit account, the requester of the request is made. If it is determined that the claimant does not approve the billing transaction details, the request for remittance of the funds is sent to the claimant (911), and subsequent steps are not performed.

In response, the pizza claimant registers a withdrawal account associated with the telephone number and requests a remittance transaction to the bank according to the telephone number associated with the deposit account of the fund trader and the received billing details. You may also make a payment by transferring the funds to the claimant's deposit account.

10 and 11 are flowcharts of a withdrawal account termination transaction and a deposit account termination transaction. The account number to be canceled is input from the account cancel applicant, and details including the secret code of the account (1001, 1101), and a phone number to be associated with the account of the account cancel applicant is obtained. At this time, the telephone number of the account termination applicant detects the telephone number from the telephone being used when the account termination applicant inputs the input items, or obtains the telephone number associated with the account by receiving the input from the account termination applicant. In the next step, the input items and the telephone number are transmitted to the telecommunication company (1002, 1102), and the telecommunication company can determine whether the account termination applicant has the right to use the telephone number. Thereafter, the telecommunication company transmits the inputs and the phone number to the bank server (1003 and 1103), and the bank server includes the account secret code of the account associated with the phone number of the account holder and the customer ledger of the bank. The account secret code of the account recorded in the DB is compared to determine whether the account termination applicant has the right to use the account (1004, 1104). If it is determined by the bank server that the applicant for termination of account has the right to use the account, the account information is updated in the customer ledger database of the bank so that the account is not associated with the telephone number and the renewal information is transmitted to the telecommunication company (1005). 1105). The communication company again transmits the information received from the bank server (1006, 1106) to the account holder. However, if it is determined that the account termination applicant does not have the right to use the account, the bank server transmits error information to the user (1007, 1107) and does not perform the subsequent steps. This can be handled in the same way even if the telecommunication company determines that the applicant for account termination has the right to use the telephone number.

12 and 13 are flowcharts of a remittance transaction inquiry transaction and a receiving transaction inquiry transaction. The account inquiry code is inputted from the transaction inquiry applicant, the item including the transaction code of the inquiry to be received (1201, 1301), and obtains a phone number to be associated with the account of the transaction inquiry applicant. At this time, the telephone number of the trading inquiry applicant detects a telephone number from a telephone being used when the trading inquiry applicant inputs the inputs, or obtains a telephone number associated with the account by receiving the input from the trading inquiry applicant. In the next step, the input information and the phone number are transmitted to the telecommunication company (1202, 1302), and the telecommunication company can determine whether the transaction inquiry applicant has the right to use the phone number. Thereafter, the telecommunication company transmits the inputs and the telephone number to the bank server (1203 and 1303), and the bank server includes the account secret code of the account and the telephone number recorded in the customer ledger database of the bank. The account secret code of the linked account is compared to determine whether the transaction inquiry applicant has the right to use the account (1204, 1304). When the bank server determines that the transaction inquiry applicant has the right to use the account, the bank's customer ledger database inquires the transaction details using the transaction code and transmits the inquiry information to the communication company (1205, 1305). )do. The telecommunication company transmits the information received from the bank server to the transaction inquiry applicant (1206, 1306). However, if it is determined that the transaction inquiry applicant does not have the right to use the account, the bank server transmits error information to the user (1207 and 1307) and does not perform the subsequent steps. This can be handled in the same way even if the telecommunications company determines that the transaction inquiry applicant has the right to use the telephone number.

14 is a flowchart of a remittance transaction cancellation transaction. From the remittance transaction cancellation applicant, a withdrawal account secret code relating to the transaction to be canceled and a transaction code of the remittance transaction to be canceled are input (1401), and a telephone number to be associated with the withdrawal account of the remittance transaction cancellation applicant is obtained. At this time, the phone number of the remittance transaction cancelant applicant obtains the phone number associated with the withdrawal account by detecting the telephone number from the telephone being used when the remittance transaction cancelant is entering the above inputs or by receiving the input from the remittance transaction cancellation applicant. do. In the next step, the input information and the phone number are transmitted to the communication company 1402, and the communication company may determine whether the money transfer transaction cancellation applicant has the right to use the phone number. Thereafter, the telecommunication company transmits the entry and the phone number to the bank server (1403), and the bank server is linked with the account secret code of the withdrawal account and the phone number recorded in the customer ledger database of the bank. The account secret code of the account is compared to determine whether the withdrawal transaction cancellation applicant has the right to use the withdrawal account (1404). If it is determined by the bank server that the applicant withdraws the transaction, he or she has the right to use the withdrawal account. If the receipt transaction has not yet been made, the customer ledger database of the bank updates (1406) and cancels the transfer process of the remittance transaction details information, and transmits the remittance transaction cancellation information to the telecommunication company (1407). The telecommunication company transmits the information received from the bank server to the remittance transaction cancelant or the counterpart of the remittance transaction (1408). However, if the bank server does not determine that the request for remittance transaction cancellation has the right to use the withdrawal account, it transmits error information to the user (1409) and does not perform the subsequent steps. This can be handled in the same manner when the telecommunication company determines that the applicant for remittance transaction cancellation has the right to use the telephone number.

15 is a flowchart of an account inquiry transaction. The account inquiry transaction is a transaction that inquires the balance of the withdrawal account or the deposit account or the transaction details related to the account, and the process of the account inquiry transaction includes the unique code of the account inquiry applicant and the account secret code to be inquired. Input 1501, and obtain a phone number to be associated with the account of the account inquiry applicant. At this time, the telephone number of the account inquiry applicant detects the telephone number from the telephone being used when the account inquiry applicant inputs the inputs, or obtains the telephone number associated with the account by receiving the input from the account inquiry applicant. In the next step, the input information and the telephone number are transmitted to the communication company (1502), and the communication company may determine whether the account inquiry applicant has the right to use the telephone number. The telecommunication company then transmits the entry and the phone number to the bank server (1503), which is associated with the account secret code of the account and the phone number recorded in the bank's customer ledger database. The account secret code of the account is compared to determine whether the account inquiry applicant has the right to use the account (1504). If it is determined by the bank server that the account inquiry applicant has the right to use the account, the customer ledger database of the bank inquires the transaction details and the balance of the account and transmits the inquiry information to the communication company (1505). The telecommunication company transmits the information received from the bank server to the account inquiry applicant (1506). However, if it is not determined by the bank server that the account inquiry applicant has the right to use the account, error information is sent to the account inquiry applicant (1507), and subsequent steps are not performed. This can be handled in the same way when the telecommunications company determines that the applicant for account inquiry has the right to use the telephone number.

Meanwhile, in order to allow a user to select the various transactions described above, a menu for the transaction described above may be configured in the communication device used by the user. The menu may be implemented as a predetermined program for providing the menu and embedded in the user's communication device itself, or may be provided online at a server of a communication company or a bank. The menu may be implemented in various ways. If the communication device used by the user is a mobile phone, the menu may be displayed as a letter on the liquid crystal of the mobile phone. In the case of a communication device such as a computer, the letter or It may be displayed as a picture. In addition, if it is not possible to provide a menu as a text or a picture, such as a landline telephone may be provided by the menu by voice.

Meanwhile, the transaction menu

1. Account Registration

-Withdrawal account registration

-Deposit Account Registration

2. User confirmation

3. Remittance

4. Receipt

5. Billing

6. Account termination

-Withdrawal account

-Deposit account canceled

7. Remittance inquiry

8. Cancellation of Money

9. Cancellation

10. Account inquiry

-Withdrawal account inquiry

-Deposit Account Inquiry

It will be content that includes.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer. And, it can be implemented in a general-purpose digital computer for operating the program using a medium used in the computer. The media may be stored such as magnetic storage media (e.g., ROM, floppy disk, hard disk, etc.), optical reading media (e.g., CD-ROM, DVD, etc.) and carrier waves (e.g., transmission over the Internet). Media.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

According to the present invention to overcome the shortcomings of the existing services as described above, the customer can be more conveniently banking. That is, it manages accounts of financial institutions such as banks by linking users' phone numbers, and users do not use multi-digit account numbers in transactions such as remittance, transfer, inquiry, etc. The transaction will be made using only the telephone number of the. In particular, according to the present invention, which uses only a telephone number to make a bank transaction, a mobile phone as well as a mobile phone is already widely used in society, so without the restriction of place, it is easy and convenient without using a multi-digit account number that is difficult to manage. It is possible to make a bank transaction, and when various financial transactions are made, the user can immediately be notified of the details from the bank by his / her telephone, so that there is an advantage of conveniently checking the transaction details immediately.

On the other hand, the present invention is applied to a method for verifying the user for the account, it is configured to ensure the safety of financial transactions by allowing the mutual information of the customer's basic information between the communication company and the bank.

Claims (14)

(a) an account registration step of registering with an account associated with a phone number and generating a random number secret code and transmitting it to a user; (b) receiving information including a unique code, a random number secret code and a telephone number of the user verification applicant; (c) comparing the input random number secret code with the random number secret code transmitted to the user to determine whether the user verification applicant has the right to use the account associated with the telephone number; And (d) the account management method associated with the phone number comprising the step of finally registering the account associated with the phone number as a transaction capable of trading using the phone number. According to claim 1, wherein the account registration step Receiving the information including the unique code, account secret code, telephone number of the applicant account registration; Comparing the input account secret code with bank account information to determine whether the account registration applicant has the right to use the account; Registering an account associated with the telephone number and calculating a random password; And And transmitting the random number secret code to the account registration applicant. The method of claim 1, wherein the account management method associated with the telephone number is Receiving information including a telephone number and an account secret code from a user; Comparing the input information, the password of the account associated with the telephone number, and the input account secret code to determine whether the account termination applicant has the right to use the account; And The account management method associated with the phone number, characterized in that it further comprises an account termination step of canceling the account is not associated with a phone number. The method of claim 1, wherein the telephone number of step (b) The account management method associated with the telephone number, characterized in that to obtain the telephone number by detecting the telephone number of the telephone used by the user verification applicant or directly input from the user verification applicant. The method according to claim 1, wherein after step (b) And comparing the received information, the telephone number, and the customer information of the telecommunication company to determine whether the user has the right to use the telephone number. Way. (a) an account registration step of registering an account associated with a telephone number; (b) receiving the remittance details including the information identifying the withdrawal account, the remittance amount, the recipient's telephone number, and the withdrawal account secret code from the remittance applicant, and notifying the remittee according to the remittance details; And (c) a remittance method using a telephone number, when receiving a transfer request from the payee, performing a transfer to an account associated with a payee's telephone number according to the remittance details. The method of claim 6, wherein step (b) If the withdrawal account of the remitter is linked with a phone number, detecting the withdrawal account from the telephone used by the remitter or further inputting from the remitter; And The step (c) comprises the step of performing a transfer from the account associated with the remitter's telephone number to the account associated with the recipient's telephone number. The method of claim 6, wherein step (d) Receiving information including a secret code of a deposit account from a claimant; Obtaining a telephone number of the beneficiary associated with the deposit account by detecting from a telephone used by the beneficiary or receiving an input from the beneficiary; And And depositing the remittance in a remittance account of a remittee according to a remittee request. The method of claim 6, wherein the remittance method Receiving an input from the transaction inquiry applicant including a secret code of the account to be inquired, information about the transaction to be retrieved during the remittance transaction or receiving transaction; Obtaining a telephone number of a transaction inquiry applicant associated with an account to be detected by detecting from a telephone used by the transaction inquiry applicant or receiving an input from the transaction inquiry applicant; And Remittance method using a telephone number comprising a transaction inquiry step comprising the step of notifying the transaction inquiry applicant of the remittance or receipt transaction details information from the account to be inquired. The method of claim 6, wherein the remittance method Receiving information from a remitter, including a secret code of a withdrawal account and a remittance transaction code; Obtaining a remitter's telephone number associated with a withdrawal account by detecting from a telephone used by the remitter or receiving a direct input from the remitter; If the remittance transaction cancellation request of the remitter transaction cancellation request is before the step (d) after the step (b), further comprising the remittance transaction cancellation step of updating the remittance transaction details and cancel the transfer; Remittance method using. (a) an account registration step of registering an account associated with a telephone number; (b) receiving a billing statement including the other party's telephone number, his / her telephone number, and the amount charged from the claimant; (c) verifying a deposit target account from the telephone number of the claimant; (d) a method for claiming money using a phone number, comprising the step of notifying the pizza claimant of the claim information. 12. The method of claim 11, wherein the funding method is Receiving a request for payment according to the telephone number associated with the account of the pizza claimant and the received billing details; The method of claim 1 further comprising the step of transferring the amount of payment from the account associated with the pizza claimant's phone number to the account associated with the claimant's phone number. An input unit for receiving information including a random number secret code, a telephone number, an account secret code, a remittance amount or a charge amount; An account verification unit for determining whether the user has the right to use the account associated with the telephone number by comparing the received information with an account secret code or a random number secret code held by a financial institution; A remitter for generating transfer information on the remitter according to the remitter's request, and remitting the remittance money from the remitter's withdrawal account to the remittee's remittance account upon request of the remittee; A storage unit which stores the information including the received information and the transfer information; Remittance and billing system using a phone number comprising an output unit for transmitting the information including the transfer information to the user. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 12.