KR20030019940A - Phone bankbook and phone number account - Google Patents
Phone bankbook and phone number account Download PDFInfo
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- KR20030019940A KR20030019940A KR1020030009965A KR20030009965A KR20030019940A KR 20030019940 A KR20030019940 A KR 20030019940A KR 1020030009965 A KR1020030009965 A KR 1020030009965A KR 20030009965 A KR20030009965 A KR 20030009965A KR 20030019940 A KR20030019940 A KR 20030019940A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
본 발명은 은행 등의 금융기관에 개설되는 계좌 운용방법에 관한 것으로, 특히 거래통장 대신 유무선 통신 단말기에 기억장치와 전용 소프트웨어를 내장하여 입출금 거래기록을 유지하고, 유무선 단말기의 발신번호와 비밀번호 그리고 잔액을 동시에 검증함으로써 부정거래를 원천봉쇄하는 계좌 운용 시스템에 관한 것이다.The present invention relates to a method of operating an account opened in a financial institution such as a bank, and more particularly, to store the deposit and withdrawal transaction records by embedding a storage device and a dedicated software in the wired and wireless communication terminal instead of a transaction account, and the caller's number and password and balance The account management system that withholds fraudulent transactions at the same time by verifying.
본 발명은 고객의 계좌개설 신청이 있으면 (1)고객의 전화번호를 계좌번호로 등록하고, (2)거래통장을 발급하는 대신 고객의 유무선 통신 단말기에 금융거래 전용 프로그램을 설치하는 단계: (3)거래 시에 고객은 금융기관의 통신 접속번호로 금융기관의 서버에 연결하여 거래비밀번호와 단말기에 저장되어 있는 잔액을 포함하여 금융기관의 서버로 전송되는 단계: (4)금융기관의 서버는 자동 인식되는 고객의 발신번호와 비밀번호, 거래 잔액을 비교하여 정상으로 인증되면 거래상대방의 명의와 이체금액 확인요청을 고객에게 전송하는 단계: (5)고객은 상대방의 명의와 금액을 확인한 다음 거래승인 정보를 금융기관에 전송하는 단계: (6)금융기관은 거래를 완료하고 거래결과를 고객의 통신단말기로 전송하는 단계: (7)고객의 단말기는 전송된 거래결과를 단말기 내의 거래기록에 업데이트 하는 단계를 포함한다. 또한 본 발명의 자동이체에서는 자동이체 청구시점에 즉시적으로 본인의 승인을 득하는 절차를 이행함으로써 부정인출을 방지할 수 있다. 이와 같은 본 발명에 의하면, 상대방의 전화번호와 계좌번호가 일치하므로 송금을 받기 위하여 계좌번호를 전화로 불러주는 과정에서의 착오를 방지할 수 있으며, 택시나 버스, 자동판매기, 식당, 기타의 결재에 있어서도 선불, 직불카드를 대신할 수 있어서 편리하다. 또한 본 발명은 전화대리점과 특약점 계약을 맺어서 자동입출금기를 설치하고, 계좌개설 등 면대면 필수 거래에 수수료를 지급하는 방법으로 운용하면 별도의 지점개설을 위한 비용이 들지 않으므로 전형적인 인터넷 은행의 유형을 창출할 수 있다.The present invention, if the customer has an application for opening an account, (1) registering the customer's telephone number as an account number, and (2) installing a dedicated financial transaction program on the wired / wireless communication terminal of the customer instead of issuing a transaction account: (3 At the time of transaction, the customer connects to the financial institution's server with the communication access number of the financial institution, and transmits the transaction password and the balance stored in the terminal to the financial institution's server: (4) The server of the financial institution is automatically (B) The client confirms the name and amount of the other party and confirms the other party's name and amount. Transmitting the transaction result to the financial institution: (6) the financial institution completes the transaction and transmits the transaction result to the communication terminal of the customer: (7) the client terminal transmits the transaction result And a step of updating the transaction record in the terminal. In addition, the direct debit of the present invention can prevent fraudulent withdrawal by performing the procedure of obtaining the approval of the person immediately at the time of the direct debit request. According to the present invention, since the other party's phone number and account number match, it is possible to prevent a mistake in the process of calling the account number to receive the remittance by telephone, taxi or bus, vending machine, restaurant, payment of other It is convenient because it can replace prepaid and debit cards. In addition, the present invention forms a typical type of Internet bank because it does not incur the cost of opening a separate branch when operating a method of paying commissions for face-to-face transactions such as opening an account and making an automatic teller machine by making a contract with a telephone agent. can do.
Description
본 발명은 은행 등 금융기관에서 사용되는 통장을 전화기 내에 프로그램으로 설치하고, 전화번호를 실거래 계좌로 등록하는 계좌운용 방법에 관한 것으로, 특히 지역번호를 포함하는 전화번호를 계좌번호로 등록하고 거래에는 전화기에 설치된 프로그램과 기록장치로 통장을 대신하게 하는 금융기관의 계좌운용 방법에 관한 것이다.The present invention relates to an account operation method for installing a bank account used in a financial institution such as a bank in a telephone program, and registering a phone number as a real transaction account, and in particular, registers a phone number including an area code as an account number and It relates to an account management method of a financial institution that replaces a bank account with a program and a recording device installed in a telephone.
종래에는 폰뱅킹이나 자동입출금기의 거래에서 계좌번호와 비밀번호만으로 인증되는데 계좌번호는 매우 쉽게 노출되고 비밀번호도 전화도청 또는 엿보기 등의 방법으로 도용되어 부정거래가 빈번하게 발생된 사실이 있으며, 또한 송금을 위하여 상대방의 계좌번호를 전화로 받아 적으면서 착오를 일으킬 수 있으므로 상당한 긴장을 해야만 했다. 그리고 전화번호를 이용하는 연결계좌 가상계좌 등의 운용방법이 있으나 운용주체별 호환성이 없으므로 이용 확산에 장애가 되고 있었다.Conventionally, only the account number and password are authenticated in the transaction of the phone banking or automatic teller machine, but the account number is very easily exposed, and the password is also stealed by phone tapping or peeping. The phone number of the other person to write down the phone number can cause a mistake, so you had to be very nervous. In addition, there are operating methods, such as virtual accounts, linked accounts using phone numbers.
본 발명은 지역번호를 포함하는 전화번호를 금융거래 가능한 실계좌번호로 등록하고, 전화기 등 유무선 단말기의 기억장치를 통장 대신 거래기록 장치로 이용하게 하며, 거래 시에 유무선 통신으로 잔액확인방법을 포함하여 인증하게 함으로써 계좌번호 인식 편리성과 보안을 강화하는 계좌운용 방법을 제공하는 데 있다.The present invention registers a telephone number including an area code as a real account number for financial transactions, uses a memory device of a wired / wireless terminal such as a telephone as a transaction recording device instead of a bankbook, and includes a method for checking balance by wired / wireless communication during a transaction. It is to provide an account management method that enhances the convenience and security of account number recognition by making it authenticate.
본 발명이 이루고자 하는 또 다른 과제는 자동이체 거래에 있어서도 이체청구 시에 즉시적인 본인의 승인을 득하도록 하여 부정인출의 소지를 없애는 방법을 제공하는 데 있다.Another object of the present invention is to provide a method for eliminating the possibility of fraudulent withdrawal by obtaining immediate approval of the principal at the time of requesting a transfer even in a direct debit transaction.
본 발명이 이루고자 하는 또 다른 과제는 고객이 무선단말기를 이용하여 금융기관의 자동화기기를 사용하고자 할 때, 자기번호, 거래비밀번호, 잔액, 출금요청액을 일괄하여 적외선통신 방법으로 자동화기기에 전달하게 함으로써 자동화기기의 조작시간을 단축하게 하여 기기 운용의 효율성과 보안의 향상효과를 제공하는 데 있다.Another object of the present invention to achieve the present invention when the customer wants to use the automated device of the financial institution using a wireless terminal, the magnetic number, transaction password, balance, withdrawal request amount to be delivered to the automated device by infrared communication method collectively By shortening the operation time of the automation equipment to improve the efficiency and security of the equipment operation.
본 발명이 이루고자 하는 또 다른 과제는 전화대리점에 자동화기기를 설치하여 주 거래창구로 활용하고 면대면 필수 거래의 업무처리 수수료를 지급하는 방법으로 운용하여 궁극적으로 인터넷 은행을 창출 가능하게 하는 금융서비스 방법을 제공하는 데 있다.Another object of the present invention is to install an automated device in a telephone agency as a main transaction window and operate as a method of paying a business transaction fee for face-to-face essential transactions, thereby ultimately creating an Internet bank. To provide.
도 1은 본 발명의 통장내장유선전화기의 전화번호 실계좌 등록절차이다.1 is a phone number real account registration procedure of the passbook embedded wireline telephone of the present invention.
도 2는 본 발명의 통장내장무선전화기의 전화번호 실계좌 등록절차이다.2 is a phone number real account registration procedure of the passbook embedded wireless telephone of the present invention.
도 3은 본 발명의 송금, 계좌이체의 절차이다.Figure 3 is a procedure of the transfer, account transfer of the present invention.
도 4는 본 발명의 자동입출금기의 이용절차이다.4 is a procedure of using the automatic teller machine of the present invention.
도 5는 본 발명의 자동이체 구성도이다.5 is a block diagram of the automatic transfer of the present invention.
도 6은 본 발명의 전화대리점을 금융영업 창구로 활용하는 업무 흐름도이다.Figure 6 is a business flow chart utilizing the telephone agent of the present invention as a financial sales window.
상기와 같은 목적을 달성하기 위하여, 본 발명의 전화기통장 전화번호계좌 운용방법은 지역번호를 포함하는 고객의 전화번호를 금융거래의 실계좌번호로 등록하고, 고객의 통신단말기에 금융거래 전용프로그램을 설치하여 거래기록을 유지하며, 거래 시에 자동으로 인식되는 발신번호와 고객이 전송한 비밀번호, 계좌잔액을 포함하여 인증도구로 삼는 것을 특징으로 한다. 또한 본 발명은 자동이체 거래 시에도 매 건마다 소지한 단말기를 통한 즉시적 본인 승인을 득하게 하는 것을 특징으로 한다. 또한 본 발명은 면대면 업무를 처리할 수 있는 전화대리점과 그 대리점에 설치되는 자동입출금기를 주된 영업창구로 활용하고, 고객의 단말기에서 한 패킷으로 모아진 거래요청사항을 적외선통신 등의 방법으로 자동입출금기에 일괄 전송하는 방법을 사용하여 입출금기 점유시간을 줄이는 것을 특징으로 한다.In order to achieve the above object, the telephone book account number operating method of the present invention registers the telephone number of the customer including the area code as the real account number of the financial transaction, and dedicated financial transaction program to the customer's communication terminal It installs and maintains the transaction record, and it is characterized by using as an authentication tool including the calling number automatically recognized at the time of transaction, the password sent by the customer, and the account balance. In addition, the present invention is characterized in that the instant self-authorization through the terminal possessed in every case even in the case of direct debit transactions. In addition, the present invention utilizes the automatic teller machine that is installed in the telephone agent and its dealership that can handle face-to-face work as the main sales window, the transaction request collected in a packet from the terminal of the customer by the method of infrared communication, etc. It is characterized by reducing the occupancy time of the teller machine by using the batch transfer method.
이하 첨부된 도면을 따라 본 발명의 바람직한 실시예를 설명하면 다음과 같다.Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.
도 1은 본 발명의 통장내장 유선단말기 고객의 계좌등록 절차도이다. 고객의 계좌개설 신청이 있으면 고객의 전화번호를 계좌번호로 등록하는 단계(010): 거래통장을 발급하는 대신 고객의 유선 통신단말기에 계좌거래 전용 프로그램을 설치하고 비밀번호와 고객전화번호를 입력하는 단계(020): 설치장소에서 전화선에 통장내장 단말기를 연결하는 단계(030): 다른 계좌에서 이 계좌로 이체 입금하는 단계(040): 금융기관이 거래결과를 고객의 통신단말기에 전송하는 단계(050): 고객의 단말기가 수신된 거래기록을 내부기록에 업데이트하고 표시창에 표시하여 고객이 확인하는 단계(060)로 최초 거래가 이루어진다.1 is an account registration procedure of the customer of the built-in wired terminal customer of the present invention. Registering the customer's phone number as the account number if the customer requests to open an account (010): Instead of issuing a transaction account, installing a dedicated account transaction program on the customer's wired communication terminal and entering a password and a customer's phone number. (020): connecting the bankbook terminal to the telephone line at the installation site (030): depositing transfer to this account from another account (040): the financial institution transmits the transaction results to the customer's communication terminal (050) ): The customer's terminal updates the received transaction record in the internal record and displays it on the display window so that the customer confirms (060) the initial transaction is made.
도 2는 본 발명의 통장내장 무선단말기 고객의 계좌등록 절차도이다. 고객의 계좌개설 신청이 있으면 고객의 전화번호를 계좌번호로 등록하는 단계(110): 거래통장을 발급하는 대신 고객의 무선 통신단말기에 계좌거래 전용 프로그램을 설치하는 단계(120): 자동현금입출금기에서 이 계좌에 입금하는 단계(140): 금융기관이 거래결과를 고객의 통신단말기에 전송하는 단계(150): 고객의 단말기가 수신된 거래기록을 내부기록에 업데이트하고 표시창에 표시하여 고객이 확인하는 단계(160)로 최초 거래가 이루어진다.2 is an account registration procedure of the customer of the built-in wireless terminal customer of the present invention. Registering the customer's telephone number as the account number, if there is an application for opening an account (110): Instead of issuing a transaction account, installing a dedicated account transaction program on the wireless communication terminal of the customer (120): at an automatic cash machine Step 140 of depositing the account: the financial institution transmits the transaction result to the customer's communication terminal (150): the customer's terminal updates the received transaction record in the internal record and displays on the display window to confirm the customer In step 160 an initial transaction is made.
도 3는 본 발명의 송금, 계좌이체거래의 절차도이다. 고객의 단말기에서 금융모드를 선택하고(210) 비밀번호를 입력하면(215), 송금, 자동입출금기, 자동이체, 비밀번호 관리 메뉴가 표시되는데 송금을 선택하여(220) 상대방 계좌번호와 송금액을 입력하고(225) 이를 금융기관 서버에 전송하는 단계(230): 금융기관의 서버는 고객의 발신번호와 수신된 비밀번호, 거래 잔액을 비교 확인한 다음(235) 다른 부분이 있으면 에러메시지를 고객에게 보내고(237) 정상으로 인증되면 거래상대방 명의와 송금액에 대하여 고객에게 확인요청을 하는 단계(240): 고객은 수신된 확인요청을 확인한 바(245) 본래의 의도와 다르면 상대방의 계좌번호 또는 송금액을 수정입력하고(248), 맞으면 금융기관에 확인통보를 전송하는 단계(250): 금융기관은 고객의 확인통보에 의하여 송금 또는 계좌이체 거래를 이행하고(255) 거래결과를 고객의 통신단말기로 전송하는 단계(260): 고객의 단말기는 수신된 거래결과를 단말기 내의 거래기록에 업데이트 하고 표시창에 표시하며(265), 고객이 이를 확인하는 단계(270)로 송금, 계좌이체 절차가 완성된다.Figure 3 is a flow chart of the transfer, account transfer transaction of the present invention. When the customer selects the financial mode (210) and enters the password (215), the remittance, automatic teller machine, direct debit, password management menu is displayed, select the remittance (220) and enter the other party's account number and remittance amount ( 225) Transmitting this to the financial institution server (230): The server of the financial institution compares the customer's calling number and the received password, the balance of the transaction (235) and if there is any other part sends an error message to the customer (237) When the authentication is normal, the customer requesting confirmation of the counterpart's name and remittance amount (240): The customer confirms the received confirmation request (245), if it is different from the original intention, and corrects the other party's account number or remittance amount ( 248), if yes, sending a confirmation notification to the financial institution (250): the financial institution executes the transfer or wire transfer transaction according to the customer's confirmation notification (255) and returns the transaction result to the customer. Step 260 of transmitting to the communication terminal: the customer's terminal updates the received transaction results in the transaction record in the terminal and displays on the display window (265), the customer checks this step (270), the transfer, the account transfer procedure Is completed.
도 4는 본 발명에 따른 무선단말기에 의한 자동입출금기 활용방법이다. 고객이 무선단말기의 금융모드(310)에서 비밀번호와 출금(계좌이체)내역을 입력하는 단계(320): 고객이 무선단말기를 통해서 입력사항, 저장된 잔액, 자기 전화번호(계좌번호)를 조합하여 적외선 통신방법으로 자동입출금기에 전송하는 단계(330): 자동입출금기는 입력된 정보를 금융기관의 서버와 조회하여(335) 정상으로 인증되면 화면에서 상대방의 명의(이체시)와 출금액을 확인요청 하는 단계(340): 고객이 확인하면 출금(이체)거래를 계속하는 단계(350): 출금(이체)거래가 완료되면 금융기관의 서버는 거래내역을 고객의 무선단말기로 송신하는 단계(360): 고객은 수신되고 자동 업데이트된 거래내역을 확인하는 단계(370)로 진행된다.4 is a method for using an automatic teller machine with a wireless terminal according to the present invention. The customer enters the password and withdrawal (account transfer) details in the financial mode 310 of the wireless terminal (320): the customer combines the input, stored balance, and his / her telephone number (account number) through the wireless terminal infrared Transmitting to the automatic teller machine in a communication method (330): The automatic teller machine checks the inputted information with the server of the financial institution (335) and if the authentication is normal, requesting to confirm the name of the other party (at the time of transfer) and the withdrawal amount on the screen. (340): If the customer confirms the withdrawal (transfer) transaction continues (350): When the withdrawal (transfer) transaction is completed, the server of the financial institution transmits the transaction history to the wireless terminal of the customer (360): the customer Proceed to step 370 to confirm the received and automatically updated transaction history.
도 5는 본 발명에 따른 자동이체 처리방법의 구성도이다. 고객이 자동이체신청을 수납기관에 위임하여(405) 수납기관이 금융기관에 자동이체 신청을 접수하거나(410) 고객이 직접 금융기관에 자동이체 신청을 하는 단계(420): 수납기관이 신청하는 경우 금융기관은 고객에게 자동이체 신청사실 확인요청을 하는 단계(415): 고객이 자동이체 신청을 확인하는 단계(418): 금융기관이 수납기관에 자동이체 등록사실을 통지하는 단계(430): 수납기관이 금융기관에 자동이체 청구를 하는 단계(440): 금융기관은 잔액이 부족하면 잔액부족 사실을 수납기관과 고객에게 전송하고(450), 청구내역보다 잔액이 많으면 청구내용 확인요청을 고객의 단말기에 전송하는 단계(460): 고객은 청구내용을 확인하고 거래승인 정보를 금융기관에 반송하는 단계(470): 금융기관은 자금이체를 실행하는 단계(480): 거래가 완료되면 금융기관의 서버는 거래내역을 고객의 무선단말기로 송신하는 단계(485): 고객은 수신되고 자동 업데이트된 거래내역을 확인하는 단계(490)로 자동이체가 처리된다.5 is a block diagram of a method for processing a direct debit according to the present invention. The customer delegates the debit application to the receiving institution (405), the receiving institution receives the debit request from the financial institution (410) or the customer directly applies for direct debit to the financial institution (420): When the financial institution requests the customer to confirm the debit application (step 415): The customer confirms the debit application (418): The financial institution notifies the receiving institution of the debit registration (430): Step 440, the storage institution makes a direct debit bill to the financial institution: if the balance is insufficient, the financial institution transmits a lack of balance to the storage institution and the customer (450). Step 460 of transmitting the terminal to the terminal of the customer: The customer confirms the claim and returns the transaction approval information to the financial institution (470): The financial institution executes the transfer of funds (480): When the transaction is completed: server In step 485, the transaction is sent to the wireless terminal of the customer. The customer transfers to the step 490 of confirming the received and automatically updated transaction history.
도 6은 전화대리점 활용방법에 있어서, 전화대리점과 금융업무에 관한 특약점 계약을 맺고(510) 자동입출금기를 설치하는 단계(520): 고객의 전화번호 계좌개설, 고객의 단말기에 금융거래 전용 프로그램 설치 등 면대면 필수 거래(530)에 수수료를 월별로 지급하는 단계(540): 전화대리점은 자동입출금기의 과부족 금액을 보충하고(550) 금융기관은 이에 따른 수수료를 월별로 지급(560)하는 단계를 포함한다.6 is a method of utilizing a telephone agent, the contract with a telephone agent for a financial business (510) step of installing an automated teller machine (520): opening a customer's phone number account, install a program dedicated to financial transactions on the terminal of the customer Step 540 of paying a fee to the face-to-face required transaction 530: The telephone agent compensates for the excess or deficit of the automatic teller machine (550) and the financial institution pays the fee accordingly (560). Include.
또한 본 발명에 따른 전화기통장 금융거래모드의 메뉴구성은 (1)잔액조회, (2)송금, 이체, (3)자동입출금기, (4)자동이체, (5)비밀번호관리를 포함하는 것으로 되어 있으며 (1)잔액확인을 선택하면 최종거래내역과 잔액이 보여지며, 직전 거래 순으로 다음 거래를 보여주고, (5)비밀번호관리를 선택하면 비밀번호를 변경하였을 때 금융기관의 서버에 등록하는 절차를 포함한다.In addition, the menu configuration of the phone book financial transaction mode according to the present invention includes (1) balance inquiry, (2) remittance, transfer, (3) automated teller machine, (4) automatic transfer, and (5) password management. (1) Check balance to show final transaction and balance, show next transaction in order of previous transaction, and (5) Select password management to register with financial institution's server when password is changed. do.
한편 상기와 같은 본 발명의 실시 예들은 일반적인 컴퓨터에서 실행될 수 있는 프로그램으로 작성이 가능하다. 상기 프로그램이 상주하는 매체는 각종의 디지털 저장매체(예를 들면, 롬, 램, 하드디스크, 아이시칩, 시디, 캐리어웨이브 등)를 포함한다.On the other hand, the embodiments of the present invention as described above can be written as a program that can be executed in a general computer. The medium in which the program resides includes various digital storage media (eg, ROM, RAM, hard disk, IC chip, CD, carrier wave, etc.).
이와 같은 본 발명에 의하면 경제인구의 대부분이 소지하고 있는 무선단말기가 금융거래통장을 내장하는 거래도구가 되어 모든 거래사실이 즉시적으로 인지되므로 부정거래를 방지할 수 있고, 업소나 경리담당자의 자리 등 고정 장소에 설치되는 유선단말기는 고객으로부터 이체되는 거래사실을 즉시 인지할 수 있으므로 고객의 무선단말기와 업소의 유선단말기의 조합은 직불, 선불카드 거래를 대신하는 유용한 결재수단이 될 수 있는 것이다.According to the present invention as described above, the wireless terminal, which is held by most of the economic population, becomes a trading tool with a built-in financial transaction account, and thus all transactions are immediately recognized, thereby preventing fraudulent transactions, The wired terminal installed in the fixed place can immediately recognize the transaction fact transferred from the customer, so the combination of the wireless terminal of the customer and the wired terminal of the business can be a useful payment method in place of the debit or prepaid card transaction.
또한 본 발명은 전화번호가 금융계좌번호로 등록되므로 일반계좌와 호환성이 확보되고 송금인에게 쉽게 인지되어 송금오류확률이 매우 낮으며, 거래당사자의 인증에 단말기 내부의 잔액이 포함되므로 보안에 매우 유리한 것이다.In addition, the present invention is very advantageous for security because the phone number is registered as a financial account number, the compatibility with the general account is secured and easily recognized by the remitter, the error probability of remittance is very low, and the balance of the terminal is included in the authentication of the transaction party. .
특히 본 발명은 전화대리점과 특약점 계약을 맺어서 자동입출금기를 설치하고, 계좌개설 등 면대면 필수 거래에 수수료를 지급하는 방법으로 운용하면 별도의 지점개설을 위한 비용이 들지 않으므로 전형적인 인터넷 은행의 유형을 창출할 수 있다.In particular, the present invention forms a typical Internet bank type by establishing a automatic teller machine with a telephone agent and operating it in a way to pay a fee for face-to-face transactions such as opening an account. can do.
Claims (4)
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020030009965A KR20030019940A (en) | 2003-02-18 | 2003-02-18 | Phone bankbook and phone number account |
| KR1020030070528A KR100570843B1 (en) | 2003-02-18 | 2003-10-10 | Method for Providing Finance Service using Phone Number and Balance of Account |
| PCT/KR2004/000254 WO2004075086A1 (en) | 2003-02-18 | 2004-02-10 | Method for providing finance service using phone number and account balance |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020030009965A KR20030019940A (en) | 2003-02-18 | 2003-02-18 | Phone bankbook and phone number account |
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| Publication Number | Publication Date |
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| KR20030019940A true KR20030019940A (en) | 2003-03-07 |
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| KR1020030009965A Pending KR20030019940A (en) | 2003-02-18 | 2003-02-18 | Phone bankbook and phone number account |
| KR1020030070528A Expired - Fee Related KR100570843B1 (en) | 2003-02-18 | 2003-10-10 | Method for Providing Finance Service using Phone Number and Balance of Account |
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| Application Number | Title | Priority Date | Filing Date |
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| KR1020030070528A Expired - Fee Related KR100570843B1 (en) | 2003-02-18 | 2003-10-10 | Method for Providing Finance Service using Phone Number and Balance of Account |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| KR100676481B1 (en) * | 2006-01-25 | 2007-02-02 | 추재천 | Improvement structure of golf tee |
Families Citing this family (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100764422B1 (en) * | 2004-11-30 | 2007-10-05 | 김경희 | Electronic payment method. |
| KR100822957B1 (en) * | 2006-06-05 | 2008-04-17 | 주식회사 신한은행 | A recording medium comprising a program for processing a financial transaction, and a method and system for processing a financial transaction using the same. |
| KR101706711B1 (en) * | 2009-12-21 | 2017-02-27 | 에스케이플래닛 주식회사 | Apparatus, Server and Method for Providing Financial Service |
| KR101270760B1 (en) | 2010-12-31 | 2013-06-03 | 중소기업은행 | System and method of managing automatic withdrawal |
| KR101413110B1 (en) * | 2012-05-23 | 2014-07-02 | 주식회사 비즈모델라인 | Method for Processing Financial Transaction by using Token Code |
| KR101392360B1 (en) * | 2012-05-29 | 2014-05-12 | 주식회사 비즈모델라인 | How to process financial transactions using token codes |
| KR101413117B1 (en) * | 2012-05-29 | 2014-07-02 | 주식회사 비즈모델라인 | System for Processing Financial Transaction by using Token Code |
| KR101413120B1 (en) * | 2012-05-29 | 2014-07-02 | 주식회사 비즈모델라인 | Method for Integrating Wire and Wireless Network by using One Time Code |
| KR101675897B1 (en) * | 2015-05-12 | 2016-11-15 | (주)비바리퍼블리카 | Providing method for financial service and financial service system thereof |
| KR101675898B1 (en) * | 2016-05-18 | 2016-11-15 | (주)비바리퍼블리카 | Providing method for financial service and financial service system thereof |
-
2003
- 2003-02-18 KR KR1020030009965A patent/KR20030019940A/en active Pending
- 2003-10-10 KR KR1020030070528A patent/KR100570843B1/en not_active Expired - Fee Related
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100676481B1 (en) * | 2006-01-25 | 2007-02-02 | 추재천 | Improvement structure of golf tee |
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| KR100570843B1 (en) | 2006-04-12 |
| KR20040074902A (en) | 2004-08-26 |
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