KR20040069920A - Method and system of processing an additional card settlement approval using a number selection of the cellular phone - Google Patents

Abstract

The present invention relates to additional approval of a transaction of a financial institution, and more particularly, to a method and system for additional use of a card using a number selection method of a mobile phone. An object of the present invention is to enable users to prevent unauthorized use of the card by finally approving the use of the card by means of a number selection method through their mobile phone before the use of the financial card (credit / cash card) is approved. The method of the present invention first allows a financial card user to apply for this service and then receives information of the financial card when the service user who applied for the service uses the card. Thereafter, it is determined whether the user who has requested the use of the financial card is a service user who has applied for the service, and, in the case of the service user, generates and transmits an authorization message of a number selection method to be transmitted to the service user. Thereafter, a number selected by the service user is received to further determine whether to approve the use of the financial card corresponding to the number selected by the service user.

Description

Method and system for additional card settlement approval using a number selection of the cellular phone}

The present invention relates to additional approval of a transaction of a financial institution, and more particularly, to a method and system for additional approval of card use using a number selection method of a mobile phone.

Card use is increasing rapidly among financial transactions at financial institutions. In particular, the credit card crimes such as counterfeiting, forgery, theft, and fraud are increasing rapidly. According to the domestic financial industry, the number of credit card frauds and the amount increased steeply to 28,969 cases in 1999 and 4.5 billion won in 2000, 41,234 cases in 2008 to 42 billion won, in 2001, 58,090 cases to 44.5 billion won, and in 2002 about 75,000 cases to about 70 billion won. It can be seen that. The increase in the number and amount of fraud is known to be due to the increase in fraudulent use of cards and the use of counterfeit cards, and the increase in fraud due to the leakage of credit information on the Internet as e-commerce increases. . In addition, in the case of cash cards, financial accidents are increasing rapidly due to leakage of passwords and forgery of cash cards.

Currently, various methods of security technology or methods have been proposed to prevent such negative use of the card. Most security technologies are provided on the card itself to prevent duplication or to strengthen the cryptographic system. Since this technique is different from using the mobile phone of the present invention, a detailed description thereof will be omitted.

As a method of using a mobile phone according to the present invention, there is a mobile phone text message service. This service informs credit card users of their credit card transactions. However, this method has a fundamental problem that an accident cannot be prevented in advance because a customer receives a message after payment of a credit card, a cash service through a credit card, and a cash withdrawal using a cash card are made.

Accordingly, an object of the present invention is to solve the conventional problem, and the user illegally uses the card by finally approving the use of the card by the number selection method through his mobile phone before the final approval of the use of the credit / cash card is made. It is to provide an additional approval method for using the card using the number selection method of the mobile phone that can prevent.

Another object of the present invention is a mobile phone number selection method that can prevent fraudulent use of the card by the user finally approved the use of the card by the number selection method before the final approval of the use of credit / cash cards It is to provide an additional approval system using the card.

1 is a diagram illustrating a network environment for explaining a method and system for additional credit card use approval using a mobile phone number selection method according to the present invention.

FIG. 2 is a diagram illustrating a network environment for explaining a method and a system for additionally using a cash card using a number selection method of a mobile phone according to the present invention.

3 is a diagram illustrating a subscription screen for a card user to subscribe to a service according to the present invention in FIG.

Figure 4 is a flow chart of the card use additional approval service application using the number selection method of the mobile phone according to the present invention.

Figure 5 is a flow chart of the card use additional approval method using the number selection method of the mobile phone according to the present invention.

Figure 6 illustrates an example of a message displayed on a mobile phone screen when using the service of the present invention.

♣ Explanation of symbols for the main parts of the drawing ♣

102: personal computer (PC) 104: mobile phone

106, 106a: wired / wireless network

107: Credit card payment additional authorization processing block

108: credit card company operating system

110, 210: Additional card approval system using the number selection method of the mobile phone

112, 212: approval processing server 114, 214: user DB

116, 216: Terms of service DB 122: Credit card payment terminal

222: unattended cash machine

An object of the present invention described above, when the financial card user uses the financial card, a service for realizing additional approval of the use of the financial card by providing, in real time, an approval message for determining whether to approve by selecting a number to a mobile phone registered by the user. A method for performing the method, the method comprising: the financial card user applying for the service, receiving information of the financial card when the financial card is used, and a service user for whom the user who requested the use of the financial card has applied for the service; Determining whether the user is the service user, generating and transmitting an approval message of a number selection method to be transmitted to the service user, receiving a number selected by the user, and selecting the user. In response to the number, the use of the financial card is approved It is achieved by a card use additional approval method using the mobile phone number selection method comprising the step of additionally determining.

The financial card user applying for the service may include providing a screen on which the user may apply for service, and at least the user's information including the mobile phone number of the user and the service use condition. Receiving information about the user, generating and transmitting an authorization number to the mobile phone number of the user, and determining whether the authorization number inputted from the user matches the authorization number transmitted, and applying for the use of the service. Allowing, otherwise, the step of disallowing the use of the service.

Here, the financial card described may be a credit card or a cash card.

On the other hand, another object of the present invention, when the financial card user uses the financial card to provide a real-time approval message to determine whether to approve through the number selected by the mobile phone registered by the user to further approve the use of the financial card A service for performing a service, comprising: means for generating a message capable of selecting the number and transmitting the message to a mobile phone of a service user; and additionally determining whether to accept the use of the financial card by receiving the number selected by the service user. This is achieved by an additional approval system for card use using the mobile phone's number selection method.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention;

1 and 2 are diagrams illustrating a network environment for explaining a method and a system for additional use of a card using a number selection method of a mobile phone according to the present invention. FIG. 1 is a view illustrating an environment related to a credit card and use. Indicates the circumstances associated with the use of the cash card.

As shown in Fig. 1, in order to use a card use additional approval service using a mobile phone number selection method according to the present invention, the service user 100 uses a personal computer (PC) 102 or a mobile phone 104. It connects to the credit card company operating system 108 through the wired / wireless communication network 106 and requests the service of the present invention through a service application screen (for example, an application screen as shown in FIG. 3). In general, a screen currently implemented on the web can be applied to a mobile phone through a wireless communication network. Description of this is omitted since it is not the essence of the present invention. Although not shown in the figure, the credit card company operating system 108 is connected to a plurality of operator terminals installed at each branch window, and the service user may apply for the service at the sales window of the card company.

The credit card company operating system 108 is connected to a VAN computer system (not shown) through a dedicated line, and is connected to a plurality of credit card related terminals 121 through a value added communication network (VAN). The credit card related terminal includes a credit card payment terminal and an unattended cash service dispenser managed by a merchant, and may include a terminal for requesting payment on the Internet in the case of an electronic commerce.

On the other hand, the credit card company operating system 108 is connected with the card use additional approval system 110 using the number selection method of the mobile phone. The system 110 provides a message via the wired / wireless network 106 to the customer's mobile phone 104 to select a number associated with the authorization when the customer uses the card and uses the card through the number selected by the customer in response. An authorization processing server 112 for determining the authorization of the user, and a user database for storing at least the card number (for a credit card) or bank account number (for a cash card) and a mobile phone number of a user who uses the service according to the present invention (DB). 114 and a service use condition DB 116 for using the service of the present invention, and storing use conditions including use amount, use area, and the like.

On the other hand, as shown in Figure 2, in the environment using a cash card, credit card payment additional approval processing block 107 of Figure 1 is replaced with a cash card transaction additional approval processing block 207. The cash card transaction additional approval processing block 207 is a bank computer system 208 managed by the bank and a mobile phone number selection method for further approval of a bank cash card such as the card use additional approval system 110 described in FIG. The card use additional approval system 210 is used. The card use additional approval system 210 using the number selection method of the mobile phone includes an approval processing server 212, a user DB 214, and a service use condition DB 216 as described in FIG. The difference from the card use additional approval system 110 of FIG. 1 is that the items of the user DB 214 and the service use condition DB 216 may be different depending on the credit card or the cash card. The bank computer system 208 is connected to the unmanned cash machine 222 via the wired / wireless communication network 106.

Hereinafter, with reference to FIGS. 3 and 4, an additional card use approval service using a number selection method of a mobile phone according to the present invention performed on the credit card company operating system 108 of FIG. 1 or the bank computer system 208 of FIG. Describes the registration process.

As shown in FIG. 4, first, an information input screen (for example, FIG. 3) for requesting a service to a user is provided (402). Next, it is determined whether the user inputs information (404). The information to be input includes, for example, user information including a user's social security number, a credit card number (for a credit card), a bankbook number (for a cash card), a mobile phone number and conditions of use for the conditions of using the service. to be. In Figure 3, the user enters the resident registration number, card number / bank account number, mobile phone number, check the conditions of use and then press OK. When the information input is completed in step 404, and transmits the approval number to the mobile phone user (406). Before sending the approval number, the carrier included in the wire / wireless communication network 108 may be requested to check the social security number and the mobile phone number.

After transmitting the authorization number in step 406, it is determined whether the authorization number sent to the user's mobile phone is input (408). If the authorization number is entered in step 408, the service registration is performed in step 410 to enable the use of the credit card use authorization service using the mobile phone authorization number; otherwise, the indication that registration is impossible in step 410 To provide.

Hereinafter, with reference to Figure 5, a card use additional approval method using the number selection method of the mobile phone according to the present invention will be described.

As shown in FIG. 5, input information is received from a card terminal (122 in FIG. 1 and 123 in FIG. 1 and 222 in FIG. 2) used first.

Thereafter, it is determined whether the user is a service user using the card number in the received card information (504). If the user is a service user in step 504, then the mobile phone number of this service user is read (506). Next, an additional approval message of a number selection method is generated based on the information input from the card terminal, and the generated message is transmitted to the mobile phone 104 registered by the service user (508).

At this time, the message is transmitted using, for example, a WAP-Push function. This message is displayed on the screen of the cellular phone as shown in screens 602 to 606 of FIG. As you know, the swap-push feature inserts a Uniform Resource Locator (URL) into a message sent to a mobile phone. Therefore, when a user presses a dial key provided on his mobile phone 104, a wireless application protocol (hereinafter referred to as WAP) connection is established between the mobile phone 104 and a gateway (not shown) provided in the mobile communication network. .

If the service user according to the present invention selects the number (1 for confirmation, 2 for refusal, 3 for theft) as shown in the screens 602 to 606 of Fig. 6, the selected number is the mobile phone 104. Is provided to the card use additional approval system 110 or 210 using the mobile phone number selection method from the wire / wireless communication network 106 from.

In FIG. 5, step 510 determines whether the additional approval system 110 or 210 and the service user's mobile phone are connected to the WAP as described above. Thereafter, a selection number is received from the service user (512). The user receives a text message as shown in FIG. 6 through a mobile phone. For example, when paying with a credit card, the user sees a screen 602 showing an example of an approval request message. You would press, otherwise you would press 2 or 3 if you need to report a lost card.

Next, determine the received number (514), if the first, the payment or withdrawal process (516), if the second, the payment rejection or withdrawal rejection process, and if the third, theft / loss report Process 520 is performed.

On the other hand, in step 504, if not a service user, a normal payment or withdrawal process is performed.

Although the preferred embodiments of the present invention have been described above by way of example, the scope of the present invention is not limited to these specific embodiments, and may be appropriately changed within the scope of the claims.

As described above, the user can perform a very secure financial transaction in a very easy way through the additional use of the card using the number selection method of the mobile phone according to the present invention. In particular, there is an effect that can fundamentally block financial accidents caused by the leakage of passwords.

Claims (5)

A method for performing a service for additionally authorizing the use of the financial card by providing an approval message for determining whether to be approved through a number selection to a mobile phone registered by the user when the financial card user uses the financial card. The financial card user applying for the service; Receiving information of the financial card when the financial card is used; Determining whether the user who has requested the use of the financial card is a service user who has applied for the service; Generating and transmitting a confirmation message of a number selection method to be transmitted to the service user when the user is the service user; Receiving a number selected by the user; And additionally determining whether to accept the use of the financial card in response to the number selected by the user. The method of claim 1, The financial card user applying for the service, Providing a screen for the user to apply for service; Receiving information on the user's information including at least the user's mobile phone number and the service use condition; Generating and transmitting an authorization number to the mobile phone number of the user; Determining whether the authorization number input from the user matches the authorization number transmitted, and if it matches, permits the application to use the service; otherwise, denies the application to use the service. How to approve additional card use. The method of claim 1 or 2, The financial card is a credit card or cash card using a card selection method using a mobile phone number selection method. When the financial card user uses the financial card to perform a service to further approve the use of the financial card by providing an authorization message in real time to determine whether to approve through the number selection to the mobile phone registered by the user, Means for generating a message capable of selecting the number and transmitting the message to a mobile phone of a service user; Receiving a number selected by the user of the service using a card number additional approval system using a mobile phone number selection method comprising a means for additionally determining whether the use of the financial card. In claim 4, The financial card is a credit card or cash card additional use system using a card selection method of a mobile phone.