KR101192485B1 - Method and System for Remitting between Persons using Code Image - Google Patents

Abstract

The present invention relates to an interpersonal remittance method and system using a code image. The interpersonal remittance system using a code image according to the present invention is provided in the interpersonal remittance system using a code image of a server provided in a financial partnership institution. A mapping key checker for determining or receiving a mapping key value associated with a customer account opened at a customer's trading bank, a value determination unit for determining a key set including at least one key value for authenticating the mapping key value; A value storage unit which connects the mapping identification value and the key set and stores them in a storage medium, and encodes and recognizes a code image obtained by coding and encoding the mapping identification value and the key set according to a specified matrix coding rule from a sender's smartphone; A data receiver for receiving data and a mapping key included in the encoded recognition data from the storage medium; A mapping key authentication unit for verifying a key set associated with a value and comparing (or verifying) the key set included in the encoded recognition data with the verified key set, and a client connected with the mapping key value A receiving information confirmation unit for confirming receivable information including a remittance bank information, a remittee information, and a receivable account information corresponding to an account; a receiving information providing unit for providing the received receivable information to the sender's smartphone; Remittance transaction processing unit for providing the information and the remitter information, remittance bank information, remittance account information, remittance amount information and remittance authentication information provided from the sender's smart phone to the bank server provided in the remitter's transaction bank to process the remittance transaction It is provided.

Description

Method and System for Remitting between Persons using Code Image}

The present invention maps a customer account opened in a customer's trading bank to a mapping key value, determines a key set including one or more key values for authenticating the mapping key value, and then includes a code including the mapping key value and the key set. It generates an image and issues it to the customer, and automatically checks the receipt information of the remittance transaction based on the code image to process the remittance transaction.

The KFTC was established in June 1986 by integrating the National Clearance Management Center and the Bank Branch Office, which consists of a full-time financial institution and a quasi-employee financial institution. It includes the tasks of entrusting the establishment and operation of the financial computer network, and supporting or acting for the whole industry of financial institutions. Therefore, the computer network of most financial institutions is linked to the KFTC.

Recently, as smartphones are activated, non-face-to-face financial transactions using the smartphones can occur. Most smartphones provide a QWERTY keyboard layout with a touchscreen interface, which has ten or more keyboards arranged in a horizontal direction on a narrow screen, so that key input errors frequently occur. In addition to the circuit-switched voice communication network, which is difficult to intervene by 3rd parties, financial information and key input values can be exposed by hacking programs, which makes it difficult to provide secure non-face-to-face financial transactions. have.

An object of the present invention for solving the above problems is, after combining a key set including a mapping key value associated with a customer account opened in a customer's trading bank and at least one key value for authenticating the mapping key value. After providing the code image coded and coded according to the matrix coding rule to the customer, and receiving the coded recognition data that recognizes the code image from the sender's smartphone, the mapping included in the coded recognition data based on the key set. After the key value is authenticated, the remittance between individuals using the code image to process the remittance transaction between individuals by providing the recipient bank information, the recipient information and the recipient account information corresponding to the customer account associated with the mapping key value to the sender's smartphone. It is to provide a method and system.

In the interpersonal remittance system using the code image according to the present invention, in the interpersonal remittance system using the code image of the server provided in the financial affiliate, determining the mapping key value connected to the customer account opened in the customer's trading bank Or a value determining unit determining a key set including a mapping key check unit to receive a key, at least one key value for authenticating the mapping key value, and storing the value by connecting the mapping identification value and the key set to a storage medium. And a data receiving unit for receiving, from a remitter's smartphone, encoding recognition data for recognizing a code image obtained by coding and encoding the mapping identification value and key set according to a specified matrix encoding rule, and receiving the encoded recognition data from the storage medium. Identify a key set associated with an included mapping key value and determine a key set included in the encoded recognition data. A mapping key authentication unit which compares (or verifies) the identified key set to authenticate the mapping key value, and includes remittance bank information, payee information, and receivable account information corresponding to a customer account connected with the mapping key value; Receipt information confirmation unit for confirming the receipt information, Receipt information providing unit for providing the confirmed receipt information to the sender's smartphone, Sender information, remitter bank information, remittance information provided from the remitter's smartphone And a remittance transaction processing unit for providing the account information, the remittance amount information, and the remittance authentication information to a bank server provided in the remitter's transaction bank to process the remittance transaction.

According to the present invention, the inter-person remittance system using the code image, when the mapping key value is applied to the financial alliance institution, the customer information and the bank information from the customer terminal and the customer account information opened in the trading bank And an account authentication unit configured to verify whether a customer account of the customer's name is opened in the trading bank in connection with a receiving information receiving unit and a bank server provided in the trading bank, wherein the mapping key checking unit is configured to check the customer account. In the case of being opened in a bank, the mapping key value may be determined.

According to the present invention, when the mapping key value is applied to a trading bank of a customer affiliated with the financial affiliate, the mapping key confirming unit is connected to a customer account opened in the trading bank from a bank server provided in the trading bank. And receiving the mapping key value. When the key set is determined, the key set providing unit may further provide the mapping key value and the key set to the bank server.

According to the present invention, the value storage unit stores the customer account information, the transaction bank information and the customer information corresponding to the customer account associated with the mapping key value in the storage medium by connecting the mapping key value, the receipt information confirmation unit is Receiving information including payee information, payee information, and paying account information associated with the mapping key value may be checked from the storage medium.

According to the present invention, the mapping key value includes a bank identification value and an account identification value, and the payment information confirming unit receives the payee information and the payment account information corresponding to the account identification value from a bank server corresponding to the bank identification value. Receiving information including the receiving bank information corresponding to the bank identification value and the payee information and the receiving account information received from the bank server can be confirmed.

According to the present invention, the inter-person remittance system using the code image, when the encoded recognition data includes the image data, the image to read the image data in accordance with the matrix coding rule to extract the mapping key value and key set A reader may be further provided.

According to the present invention, the data receiver may include the encoded recognition data as receipt information of a remittance transaction and receive remittance transaction data including remitter information, remittance bank information, remittance account information, and remittance amount information. Alternatively, the data receiving unit may receive remittance transaction request data including the receipt information and including remitter information, remittance bank information, remittance account information, remittance amount information, and remittance authentication information.

In the interpersonal remittance method using a code image according to the present invention, in the interpersonal remittance method using a code image of a server provided in a financial affiliate, a mapping key value connected to a customer account opened in a customer's trading bank is determined. Or receiving, determining a key set including at least one key value for authenticating the mapping key value, concatenating the mapping identification value and the key set, and storing the mapping identification value and the key set in a storage medium; Receiving encoding recognition data recognizing a coded image obtained by coding and encoding the mapping identification value and the key set according to a specified matrix encoding rule from a key; and a key connected to the mapping key value included in the encoded recognition data from the storage medium. Identify a set and compare the key set included in the encoded recognition data with the checked key set (or Authenticating the mapping key value, verifying payee information corresponding to a customer account connected to the mapping key value, and receiving information including payee information and payee account information; Providing the confirmed receipt information to a phone; and providing the remittee information, the remitter information, the remittance bank information, the remittance account information, the remittance amount information, and the remittance authentication information provided from the remitter's smartphone to the remitter's transaction bank; Providing the bank server to process the remittance transaction.

According to the present invention, in the interpersonal remittance method using the code image, when the mapping key value is applied to the financial alliance institution, the customer information and the transaction bank information and the customer account information opened in the transaction bank from the customer terminal Receiving, and in connection with the bank server provided in the trading bank may further comprise the step of authenticating whether a customer account of the customer name is opened in the trading bank.

According to the present invention, a method of remittance between individuals using the code image is provided in a transaction bank of a customer affiliated with the financial affiliate institution when the mapping key value is applied to a transaction bank of a client affiliated with the financial affiliate institution. The method may further include receiving a mapping key value connected to the customer account opened in the trading bank from the bank server.

According to the present invention, in the interpersonal remittance method using the code image, if the encoding recognition data includes image data, extracting the mapping key value and the key set by reading the image data according to the matrix coding rule. It may further include.

According to the present invention, by processing the remittance transaction by acquiring the receipt information through the code image when the transfer between individuals using a smartphone, by blocking the exposure of the receipt information input by the key input and the key input value by the hacking program There is an advantage in providing a secure remittance transaction.

1 is a diagram showing the configuration of the inter-person remittance system using a code image according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a smartphone function of a customer according to an embodiment of the present invention.
3 is a diagram illustrating a code image issuing process according to an embodiment of the present invention.
4 is a diagram illustrating a code image issuing process according to another exemplary embodiment of the present invention.
5 is a diagram illustrating a smartphone function configuration of a remitter according to an embodiment of the present invention.
6 is a diagram illustrating an interpersonal transfer process using a code image according to an exemplary embodiment of the present invention.
7 is a diagram illustrating an interpersonal transfer process using a code image according to another exemplary embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of the inter-person remittance system using a code image according to an embodiment of the present invention.

In more detail, FIG. 1 combines a mapping key value linked to a customer account opened in a customer's trading bank and a key set including one or more key values authenticating the mapping key value, and then is coded according to a specified matrix encoding rule. After providing the coded coded image to the customer, and receiving the coded recognition data that recognizes the coded image from the sender's smartphone 200, authenticating the mapping key value included in the coded recognition data based on the key set. After showing the system configuration to provide the recipient bank information, the recipient information and the recipient account information corresponding to the customer account associated with the mapping key value to the sender's smart phone 200 to process the remittance transaction between individuals, Those skilled in the art to which the invention pertains, refer to and / or modify this drawing 1 to the nose Various implementation methods (e.g., some implementations may be omitted, subdivided, or combined) for the construction of an interpersonal money transfer system using an image may be inferred, but the present invention includes all the implementation methods inferred above. It is made, the technical features are not limited only to the implementation method shown in FIG.

The inter-person remittance system using the code image of the present invention includes a customer terminal 180 cited by a customer applying for a mapping key value connected to the customer account, and a plurality of financial institutions affiliated with the financial affiliated institution. Bank server 190 and the smart phone 200 used by the remitter is implemented in a form that can communicate with the remittance transaction server 100 provided in the financial partnership. The remittance transaction server 100 may be implemented in the form of two or more servers (or devices), it will be apparent that the interpersonal remittance system of the present invention is not limited by the location of the server and its implementation manner.

The client terminal 180 may apply for the mapping key value by accessing the bank server 190 or may request the mapping key value by accessing the remittance transaction server 100 provided in the financial affiliate.

According to an embodiment of the present invention, when the customer terminal 180 accesses the bank server 190 to apply for the mapping key value, the bank server 190 connects with the customer information from the customer terminal 180. Receives customer account information, authenticates whether a customer account corresponding to the customer account information is opened in a customer name corresponding to the customer information, and a mapping key connected to the customer account when a customer account under the customer name is opened. The value is determined and transmitted to the remittance transaction server 100.

According to another exemplary embodiment of the present invention, when the customer terminal 180 accesses the remittance transaction server 100 of the financial affiliate institution and applies the mapping key value, the remittance transaction server 100 is the customer terminal. Receive the customer information and the bank information and the customer account information established in the trading bank from the 180, the customer account of the customer name is opened in the trading bank in connection with the bank server 190 provided in the trading bank And if the customer account of the customer's name is opened in the trading bank, the mapping key value connected to the customer account is determined.

When a mapping key value associated with the customer account is determined or received from the bank server 190, the remittance transaction server 100 determines a key set including one or more key values for authenticating the mapping key value. The mapping key value and the key set are connected and stored.

When the customer terminal 180 applies the mapping key value to the bank server 190 according to an exemplary embodiment of the present invention, the remittance transaction server 100 transmits the mapping key value and the key set to the bank server. In operation 190, the bank server 190 generates a code image obtained by coding and encoding the mapping key value and the key set according to a specified matrix coding rule, and then may be carried by the customer (eg, a plastic card). , Bankbook, cash card, debit card, etc.) issued to the customer, or transmits the code image to the customer's smartphone (200). When the customer terminal 180 applies the mapping key value to the bank server 190 according to the intention of the person skilled in the art, the remittance transaction server 100 prints the code image on a medium that can be carried by the customer and the customer. It is possible to issue to, or to transmit the code image to the customer's smartphone 200, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 180 applies the mapping key value to the remittance transaction server 100, the remittance transaction server 100 designates the mapping key value and the key set. After generating a code image coded and encoded according to a matrix coding rule, the code image is printed on a medium that can be carried by the customer and issued to the customer, or the code image is transmitted to the customer's smartphone 200.

The customer who has received the code image through the medium (or the smartphone 200) may be a payee of a remittance transaction between individuals according to the present invention. The remitter of the present invention is also preferably provided with the code image, but may not be provided with the code image.

The sender's smartphone 200 includes a camera for photographing the code image and can be connected to a data communication network, and is equipped with a remittance transaction program module distributed by the financial alliance institution. The remittance transaction program module photographs the code image through the camera to recognize encoded recognition data, and transmits the encoded recognition data to the remittance transaction server 100 through a data communication network.

Referring to FIG. 1, when the mapping key value is applied to the financial alliance institution, the remittance transaction server 100 receives the customer information, the bank information, and the customer account opened in the bank. An information receiving unit 105 for receiving information, an account authentication unit 110 for verifying that a customer account of the customer's name is opened in the trading bank in connection with the bank server 190 provided in the trading bank; When a customer account is opened in the bank, a mapping key check unit 115 for determining a mapping key value connected to the customer account opened in the customer's bank is provided.

When the customer terminal 180 requests the mapping key value to a financial affiliate, the information receiving unit 105 receives the customer information, the bank information and the customer account information opened in the bank from the customer terminal 180. The account authentication unit 110 receives the customer information and the customer account information from the plurality of bank servers 190 associated with the bank server 190 corresponding to the transaction bank information. The bank server 190 authenticates whether a customer account corresponding to the customer account information is opened in a customer name corresponding to the customer information, and then responds to the remittance transaction server 100. If the customer account is opened in the trading bank, the mapping key checking unit 115 determines a mapping key value connected to the customer account opened in the trading bank of the customer.

Here, the mapping key value may include a serial number (or unique code) value that does not overlap. Alternatively, the mapping key value may be a combination of a bank identification value and an account identification value.

Referring to FIG. 1, when the mapping key value is applied to a transaction bank of a customer affiliated with the financial affiliate, the remittance transaction server 100 is provided from a bank server 190 provided in the transaction bank of the customer. And a mapping key confirming unit 115 for receiving a mapping key value connected to the customer account opened in the trading bank.

When the customer terminal 180 applies the mapping key value to any one bank server 190 of the plurality of bank servers 190 affiliated with the financial partnership, the bank server 190 is the customer Receives customer information and customer account information from the terminal 180, and authenticates whether a customer account corresponding to the customer account information is opened in a customer name corresponding to the customer information, when a customer account of the customer name is opened The mapping key value connected to the customer account is determined and transmitted to the remittance transaction server 100, and the mapping key checking unit 115 receives the mapping key value from the bank server 190.

Referring to FIG. 1, the remittance transaction server 100 may include a value determination unit 125 that determines a key set including at least one key value for authenticating the mapping key value, and the mapping key value and the key set. And a value storage unit 130 connected to the storage medium 175 and storing the mapping key value when the mapping key value is applied to a trading bank of a customer affiliated with the financial affiliate. A key set providing unit 120 provided to the bank server 190 may be further provided.

When a mapping key value connected to the customer account is determined or received, the value determination unit 125 determines N (N ≧ 1) key values for authenticating the mapping key values. The N key values may be determined in a form in which a portion of a plurality of key lists is selected or dynamically generated. Here, the dynamically generated key value may be generated by substituting one or more seed values into a key generation function, or may be generated in a random number form. When the seed value is assigned to a key generation function to generate the N key values, the seed value is determined based on at least one of the customer information, the customer account information, and the mapping key value, or a random number or time. It is determined based on a dynamically determined value, such as a value, and assigned to the key generation function.

According to an exemplary embodiment of the present invention, the value determiner 125 may determine a key set including the N key values.

According to another exemplary embodiment of the present invention, the value determining unit 125 determines n (1 ≦ n ≦ N) key values among the N key values as one or more valid key values for authenticating the mapping key value. And a key set including the n valid key values and (Nn) invalid key values. Here, the (Nn) key values are not used for authenticating the mapping key values, but the derivation method of the n valid key values is not exposed as a key value included in the key set.

When the key set is determined, the value storage unit 130 stores the mapping key value and the key set in the storage medium 175. If the customer account information, the trading bank information, and the customer information corresponding to the mapping key value are confirmed, the value storage unit 130 stores the customer account information, the trading bank information, and the customer corresponding to the customer account associated with the mapping key value. Information is stored in the storage medium 175 in connection with the mapping key value.

On the other hand, when the mapping key value is applied to the transaction bank of the customer affiliated with the financial partner, the key set providing unit 120 provides the mapping key value and the key set to the bank server 190, The bank server 190 generates a code image obtained by coding and encoding the mapping key value and the key set according to a specified matrix coding rule, and then carries a medium (eg, plastic card, bankbook, cash card, or debit card) that can be carried by the customer. Card or the like and issues it to the customer or transmits the code image to the customer's smartphone 200.

Referring to FIG. 1, the remittance transaction server 100 may include a code image generation unit 135 for generating a code image obtained by coding and encoding the mapping key value and the key set according to a specified matrix encoding rule. It is provided with a code image issuing unit 140 for printing the code image to issue to the customer, or transmit the code image to the smart phone 200 of the customer.

When the mapping key value is applied to the financial alliance institution, the code image generator 135 combines the mapping key value and the key set, codes the data according to a specified matrix coding rule, and configures the encoded data. Is coded according to the matrix coding rule to generate a code image.

The code image issuing unit 140 prints the code image on a medium that can be carried by the customer and issues the code image to the customer, or a device identification value (eg, a phone number or a device token) assigned to the customer's smartphone 200. ), And pushes and transmits the generated code image to the customer's smartphone 200 based on this.

According to another exemplary embodiment of the present invention, even when the mapping key value is applied to a trading bank of a customer affiliated with the financial affiliate, the code image generation unit 135 replaces the mapping key value and the key on behalf of the trading bank. Generate a code image coded and encoded according to a specified matrix coding rule, and the code image issuing unit 140 also prints the code image on a medium that can be carried by the customer on behalf of the bank and issues it to the customer; Or, the code image may be transmitted to the customer's smartphone 200, whereby the present invention is not limited.

Referring to FIG. 1, the remittance transaction server 100 receives encoded recognition data from a remitter's smartphone 200 that recognizes a code image obtained by coding and encoding the mapping key value and the key set according to a specified matrix coding rule. An image reading unit 150 having a receiving data receiving unit 145 and extracting mapping key values and key sets by reading the image data according to the matrix encoding rule when the encoded recognition data includes image data. It is further provided.

The sender's smartphone 200 photographs the code image printed on the medium possessed by the recipient, or photographs the code image output on the screen of the recipient's smartphone 200, or from the recipient's smartphone 200. Recognize the received code image to obtain encoded recognition data.

According to an embodiment of the present invention, the encoding recognition data may include a mapping key value and a key set extracted by reading the code image according to the matrix encoding rule.

According to another exemplary embodiment of the present disclosure, the encoding recognition data may include image data corresponding to the code image.

When the sender's smartphone 200 transmits the encoded recognition data through a data communication network, the data receiver 145 receives the encoded recognition data from the smartphone 200.

According to an embodiment of the present invention, the sender's smartphone 200 transmits the encoded recognition data through a data communication network, and in this case, the data receiver 145 transmits the encoded recognition data from the smartphone 200. Receive

According to another exemplary embodiment of the present invention, the sender's smartphone 200 includes the encoded recognition data as receipt information of a remittance transaction, and includes remitter information, remittance bank information, remittance account information, and remittance amount information. Remittance transaction data combined with remittance information may be transmitted. In this case, the data receiver 145 receives the encoded recognition data through the remittance transaction data.

If the encoding recognition data is a code image, the image reading unit 150 reads the image data according to the matrix encoding rule and extracts a mapping key value and a key set.

Referring to FIG. 1, the remittance transaction server 100 confirms a key set connected to a mapping key value included in the encoded recognition data from the storage medium 175, and confirms the key set included in the encoded recognition data and the confirmation. A mapping key authentication unit 155 for comparing (or verifying) the set key and authenticating the mapping key value, and receiving bank information, payee information, and receiving account information corresponding to the customer account connected with the mapping key value. Receipt information confirmation unit 160 for confirming the receipt information to the receiving information providing unit 165 for providing the confirmed receipt information to the sender's smartphone 200, the receipt information and the remitter's smartphone The sender information, the remittance bank information, the remittance account information, the remittance amount information and the remittance authentication information provided from the 200 are provided to the bank server 190 provided in the remitter's transaction bank to transmit the information. And a funds transfer transaction processor 170 such that the transaction processing.

When the encoded recognition data is received, the mapping key authentication unit 155 checks a key set connected to the mapping key value from the storage medium 175, and at least one of the key sets included in the encoded recognition data. Compares a valid key value with one or more key values included in the set of keys identified from the storage medium 175, or compares one or more valid key values included in the set of keys included in the encoded recognition data with the The validity of the mapping key value included in the encoded recognition data is verified by applying a verification operation specified to one or more key values included in the identified key set from the storage medium 175 to derive a predicted result value.

When the validity of the mapping key value is authenticated, the recipient information checking unit 160 confirms the recipient information including the recipient bank information, the recipient information, and the recipient account information corresponding to the customer account connected with the mapping key value.

When the customer account information, the transaction bank information and the customer information corresponding to the customer account connected to the mapping key value are stored in the storage medium 175, the receipt information checking unit 160 maps the storage medium 175 to the mapping. Recipient information including the recipient bank information, the recipient information, and the recipient account information associated with the key value can be checked.

Alternatively, the receiving information confirming unit 160 transmits the mapping key value to the bank server 190 corresponding to the mapping key value, and the recipient bank information and the payee information connected to the mapping key value from the bank server 190. And receipt information including the receipt account information. When the mapping key value includes a bank identification value and an account identification value, the receipt information confirming unit 160 receives the recipient information corresponding to the account identification value and the receipt from the bank server 190 corresponding to the bank identification value. Receiving the account information, the receiving bank information corresponding to the bank identification value and the receiving information including the recipient information and the receiving account information received from the bank server 190 can be confirmed.

When the receipt information is confirmed, the receipt information providing unit 165 provides the confirmed receipt information to the sender's smartphone 200. After receiving information is provided to the sender's smartphone 200, the data receiving unit 145 is included as the receiving information from the sender's smartphone 200 and the sender information, remittance bank information, remittance account information, remittance amount information And remittance authentication information (eg, one or more of remittance account password, transfer password, authorized certificate information, security card information, and one-time password). If remittance transaction data including the recognizing information and the remittance information is received from the smartphone 200 of the remittance before, the data receiving unit 145 returns to the receiving account corresponding to the receiving information. Remittance transaction request data including remittance authentication information for requesting remittance may be received.

When the receipt information, the remitter information, the remittance bank information, the remittance account information, the remittance amount information, and the remittance authentication information are received from the smart phone 200 of the remitter, the remittance transaction processor 170 receives the remittance information and remitter information, The transfer bank information including the remittance account information, the remittance amount information and the remittance authentication information is configured and provided to the bank server 190 of the remitter's transaction bank corresponding to the remittance bank information. When the bank server 190 processes the remittance transaction on the basis of the full remittance transaction and then responds with the result, the remittance transaction processing unit 170 transmits the remittance transaction result to the sender's smartphone 200. .

2 is a diagram illustrating a functional configuration of a smart phone 200 of a customer according to an embodiment of the present invention.

In more detail, FIG. 2 shows a bar code program module provided with the code image when the code image is provided to the customer's smart phone 200 by the remittance transaction server 100 or the bank server 190 shown in FIG. As shown in the configuration, those of ordinary skill in the art will be able to infer various implementation methods for the function of the smart phone 200 by referring to and / or modified in Figure 2, The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG. In particular, the configuration of the smartphone 200 shown in FIG. 2 may further include a configuration of the smartphone 200 that is currently / later released, thereby clearly indicating that the present invention is not limited thereto.

Referring to FIG. 2, the smartphone 200 includes a control unit 205, a memory unit 255, a screen output unit 210, a key input unit 215, a sound output unit 220, and a sound input unit 225. And a camera unit 230, a wireless network communication module 240, a short range wireless communication module 235, a USIM reader unit 245, a USIM 250, and a battery 260 for supplying power.

The controller 205 is a generic term for a functional configuration that controls the operation of the smartphone 200. The controller 205 includes at least one processor and an execution memory, and each of the functional components and the bus provided in the smartphone 200. BUS). According to the present invention, the controller 205 loads and computes at least one program code included in the smartphone 200 through the processor into the execution memory, and calculates at least one function through the bus. Transfer to the component to control the operation of the smart phone 200. For convenience, the functional configuration of the barcode program module for implementing the present invention will be described in the control unit 205 of FIG.

The memory unit 255 is a generic term for a nonvolatile memory included in the smartphone 200. The memory unit 255 may include at least one program code executed through the controller 205 and at least one data set used by the program code. Save it and keep it. The memory unit 255 is basically a system program code and system data set corresponding to the operating system of the smartphone 200, a communication program code and communication data set for processing a wireless communication connection of the smartphone 200 and at least One application program code and an application data set are stored, and the program code and data set for implementing the present invention are also stored in the memory unit 255.

The screen output unit 210 includes a screen output device (for example, a liquid crystal display (LCD) device) and an output module for driving the same, and is connected to the control unit 205 by a bus to perform various operations of the control unit 205. The calculation result corresponding to the screen output is output to the screen output device.

The key input unit 215 is composed of a key input device having at least one key button (or a touch screen device interworking with the screen output unit 210) and an input module for driving the key input device. It is connected by a bus to input a command for instructing various operations of the control unit 205, or input data necessary for the operation of the control unit 205.

The sound output unit 220 includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit 220 is connected to the control unit 205 by a bus to correspond to sound output among various calculation results of the control unit 205. The calculation result is output through the speaker. The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit 225 includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits sound data input through the microphone to the controller 205. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit 230 includes the optical unit, a charge coupled device (CCD), and a camera module for driving the same, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module 240 is a generic term for a communication configuration for connecting wireless communication, and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving radio frequency signals of a specific frequency band. It is connected to the control unit 205 by a bus and transmits a calculation result corresponding to wireless communication among various calculation results of the control unit 205 through wireless communication, or receives data through wireless communication to the control unit 205. At the same time as the transmission, it maintains the procedure of connection, registration, communication, handoff of the wireless communication. According to the present invention, the wireless network communication module 240 may connect the smart phone 200 to a voice call network, and optionally connect the smart phone 200 to a data communication network.

According to an embodiment of the present invention, the wireless network communication module 240 is configured to perform at least one connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. It includes. Meanwhile, according to the intention of the person skilled in the art, the wireless network communication module 240 is IEEE 802.16? According to the specification, the mobile internet communication may further include a mobile internet communication configuration for performing at least one connection, location registration, data communication, and handoff according to the standard, and the present invention is provided by the wireless communication configuration provided by the wireless network communication module 240. It is clear that this is not a limitation.

The short range wireless communication module 235 is configured as a short range communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance, preferably, RFID communication, Bluetooth communication, Wi-Fi communication of ISO 180000 series standard. And at least one of public wireless communication. According to the exemplary embodiment of the present invention, the short range wireless communication module 235 may be integrated with the wireless network communication module 240. According to the present invention, the short range wireless communication module 235 connects the smart phone 200 to a data communication network.

The USIM reader unit 245 is a generic term for a configuration for exchanging at least one data set with a universal subscriber identity module (Universal Subscriber Identity Module) mounted on or detached from the smart phone 200 based on ISO / IEC 7816 standard. As an example, the data sets are exchanged in a half-duplex communication through an APDU (Application Protocol Data Unit).

The USIM 250 is a SIM type card provided with an IC chip according to the ISO / IEC 7816 standard, an input / output interface including at least one contact point connected to the USIM reader unit 245, and at least one IC. An IC chip memory for storing a program code and a data set for a chip, the program code for the IC chip is calculated or extracted according to at least one command connected to the input and output interface from the smart phone 200 (or Processing) and a processor for transmitting to the input / output interface.

The input / output interface includes at least one contact point of power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and input / output (I / O). The processor interfaces with the USIM reader unit 245 through the contact point. The IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module, and at least one communication required for accessing the wireless communication network of the smartphone 200 to a fixed storage area. Stores Subscriber Identity Module (SIM) information including parameters. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (for example, SD (Security Domain)) storing program codes (= applets) and data sets produced by at least one applet issuer )).

According to an embodiment of the present invention, the memory of the USIM 250 is a payment issued to the user of the smartphone 200 by at least one payment means issuer (eg, credit card company, bank, prepaid card issuer, etc.). Payment means information corresponding to the means (for example, credit card, debit card, debit card, cash card, electronic bank account, customer account, prepaid card, etc.) and the applet program code for operating the payment means can be recorded.

Referring to FIG. 2, the barcode program module includes a code image receiving unit 265 for receiving a code image encoded with a mapping key value and a key set connected to an account, and a code image storage unit for storing the received code image ( 270 and a code image output unit 275 for screen outputting the code image, and a code image transmitter 280 for transmitting the code image to the smart phone 200 of the remitter.

The code image receiving unit 265 is shown in FIG. 1 by receiving a message using a voice call network, or pushing through a data communication network (for example, pushing using a device token assigned by an Apple Push Notification Service (APNS)). Receiving a code image encoded with a key set including a key value associated with an account and at least one key value for authenticating the mapping key value from the remittance transaction server 100 or the bank server 190, and the code image storage unit 270 stores the received code image in a memory unit 255.

After the code image is stored, the code image output unit 275 outputs the stored code image to the screen output unit 210 based on a key operation input through the key input unit 215, and outputs the The code image may be photographed through a camera provided in the sender's smartphone 200.

The code image transmission unit 280 inputs a device identification value (for example, a phone number, a device token, etc.) of the remitter smartphone 200 to transmit the code image, or uses a bumper or short-range communication to send the smart phone of the remitter. Identify 200 and transmit the code image to the identified sender's smartphone 200.

3 is a diagram illustrating a code image issuing process according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a mapping key value connected to a customer account in the remittance transaction server 100 when the customer terminal 180 requests a mapping key value to a remittance transaction server 100 provided at a financial affiliate. After determining and storing a key set for authenticating the same, the process of generating a code image encoding the mapping key value and the key set and issuing the code image to the customer is described. It will be appreciated that various implementation methods (e.g., some steps may be omitted, or the order may be changed) for the code image issuance process may be inferred by referring to and / or modifying the present invention. It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the customer terminal 180 transmits customer information and bank information and customer account information established in the bank to the remittance transaction server 100 to request a mapping key value (300). In response, the remittance transaction server 100 requests the bank server 190 corresponding to the bank to determine whether a customer account under the customer's name is opened (305).

When it is authenticated that the customer account of the customer's name is opened in the transaction bank through the bank server 190 (310), the remittance transaction server 100 determines the mapping key value connected to the customer account (315) After determining a key set including one or more key values for authenticating the mapping key value (320), the mapping key value and the key set are concatenated and stored (325).

The remittance transaction server 100 generates a code image encoding the mapping key value and the key set (330), prints the code image on a medium that can be carried by the customer, and issues the code image to the customer; The device identification value assigned to the smartphone 200 is checked, and the generated code image is pushed and transmitted to the customer's smartphone 200 based on this (335).

4 is a diagram illustrating a code image issuing process according to another exemplary embodiment of the present invention.

In more detail, Figure 4 shows that when the client terminal 180 applies for the mapping key value to the bank server 190 provided in the bank, the bank server 190 determines the mapping key value of the financial partner institution. When the transfer to the remittance transaction server 100, the remittance transaction server 100 determines and stores a key set for authenticating the mapping key value, the bank server 190 determined through the remittance transaction server 100 A process of generating a code image encoding a key set and the mapping key value and issuing the code image to the customer. Those skilled in the art may refer to and / or modify the present invention. Various implementation methods (e.g., some steps may be omitted or the order may be changed) for the code image issuing process may be inferred. However, the present invention is directed to all the inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to Figure 4, the customer terminal 180 transmits the customer information and customer account information to the bank server 190 provided in the trading bank (400) to apply for the mapping key value (400), and correspondingly the bank server In operation 405, the client 190 authenticates whether a customer account is opened in the name of the customer corresponding to the customer information.

If the customer account of the customer name is authenticated, the bank server 190 determines the mapping key value connected to the customer account (410), and transmits the mapping key value to the remittance transaction server 100 ( 415).

The remittance transaction server 100 determines a key set including one or more key values for authenticating the mapping key value (420), and stores the mapping key value and the key set by concatenating (425). The set is transmitted to the bank server 190 (430).

The bank server 190 generates a code image encoding the mapping key value and the key set (435), prints the code image on a medium that can be carried by the customer, and issues the code image to the customer, or the smart of the customer. The device identification value assigned to the phone 200 is checked, and the generated code image is pushed and transmitted to the customer's smartphone 200 based on the device identification value 440.

5 is a diagram illustrating a functional configuration of the smart phone 200 of the remitter according to the embodiment of the present invention.

In more detail, FIG. 5 illustrates a coded image including a mapping key value and a key set by capturing and recognizing the code image through the camera in a smart phone 200 having a camera and connected to a data communication network. Remittance transaction program module for processing the remittance transaction by confirming the receipt information on the basis of the encoded recognition data, if the person of ordinary skill in the technical field to which the present invention belongs, reference and / or this figure 5 It will be able to infer various implementation methods for the function of the smart phone 200 by modifying, the present invention is made including all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

Referring to FIG. 5, the smartphone 200 includes a control unit 205, a memory unit 255, a screen output unit 210, a key input unit 215, a sound output unit 220, and a sound input unit 225. And a camera unit 230, a wireless network communication module 240, a short range wireless communication module 235, a USIM reader unit 245, a USIM 250, and a battery 260 for supplying power. However, FIG. 5 is a detailed description of the same configuration as the configuration of the smart phone 200 shown in FIG. 2 will be omitted for convenience. In addition, the functional configuration of the remittance transaction program module for implementing the present invention will be described in the control unit 205 of FIG. The bar code program module illustrated in FIG. 2 and the remittance transaction program module of FIG. 5 may be implemented as one program module or may be implemented as two program modules that can be linked.

Referring to FIG. 5, the remittance transaction program module photographs a code image printed on a medium possessed by a payee through the camera unit 230 or a code image output on a screen of the payee's smartphone 200. A code image recognition unit 500 for photographing or recognizing a code image received from a recipient's smartphone 200, a recognition data acquisition unit 505 for obtaining encoded recognition data corresponding to the code image, A remittance information acquisition unit 510 for receiving remittance information including remitter information, remittance bank information, remittance account information, remittance amount information, or extracting remittance information stored in a memory unit 255 (or USIM 250); Transmitting the encoded recognition data to the remittance transaction server 100 through a data communication network, or transmitting remittance transaction data including the encoded recognition data and remittance information. And a data transmission section 515 for transmitting to the gold transaction server 100.

When the code image is printed on a medium and issued to a recipient according to an exemplary embodiment of the present invention, the code image recognition unit 500 recognizes the code image by photographing the medium through the camera unit 230. .

According to another exemplary embodiment of the present invention, when the code image is output on the screen of the recipient's smartphone 200, the code image recognition unit 500 uses the camera unit 230 of the recipient's smartphone 200. Take a picture to recognize the code image.

According to another exemplary embodiment of the present invention, when the code image is transmitted from the recipient's smartphone 200, the code image recognition unit 500 receives the code image from the recipient's smartphone 200. do.

When the code image is obtained, the recognition data acquirer 505 reads the code image through the same coding rule as the matrix coding rule that generated the code image, and sets a mapping key value and a key encoded on the code image. Extract

Alternatively, the recognition data obtainer 505 may selectively extract only an encoding matrix region from the recognized code image to obtain encoded recognition data in the form of image data.

When the encoded recognition data is obtained, the data transmitter 515 transmits the obtained encoded recognition data to the remittance transaction server 100 through the data communication network.

The remittance information acquisition unit 510 outputs remittance information input interface to the screen output unit 210 and includes at least one remitter information, remittance bank information, remittance account information and remittance amount information through the remittance information input interface. Receive the remittance information. If the remittance information is stored in the memory unit 255 or the USIM 250, the remittance information acquisition unit 510 transmits the remitter information, remittance bank information, and remittance information from the memory unit 255 or the USIM 250. Remittance information including one or more account information, remittance amount information may be extracted.

When both the encoded recognition data and the remittance information are obtained, the data transmission unit 515 includes the encoded recognition data as receipt information of a remittance transaction, and configures remittance transaction data including the remittance information to configure the data communication network. Through the transfer may be transmitted to the server 100.

Referring to FIG. 5, the remittance transaction program module includes a receipt information receiving unit 520 for receiving receipt information including the recipient bank information, the recipient information, and the recipient account information corresponding to the encoded recognition data, and the received receipt. Remittance transaction request unit for requesting a remittance transaction using the remittance information and the receipt information to the remittance transaction server 100 through the receipt information output unit 525 for outputting information and remittance authentication information for authenticating the remittance transaction ( 530.

After the encoded recognition data is transmitted to the remittance transaction server 100, the receiving information receiver 520 receives from the remittance transaction server 100 the recipient bank information, the recipient information and the recipient account information corresponding to the encoded recognition data. Receiving receipt information including a, the receipt information output unit 525 outputs the received receipt information.

If the remittance information is not obtained before receiving the receipt information, the remittance information acquisition unit 510 outputs a remittance information input interface for inputting the remittance information, and the remitter information, remittance bank information, and remittance account information. Obtaining remittance information including one or more remittance amount information, and the remittance transaction request unit 530 transmits remittance authentication information (for example, a remittance account password, a transfer password, an authentication certificate information, and a security card information) for authenticating the remittance transaction. , One or more of the one-time password) outputs a transaction authentication interface, and receives one or more remittance authentication information through the transaction authentication interface.

On the other hand, if the remittance information is obtained before receiving the receipt information, the remittance transaction request unit 530 outputs a transaction authentication interface for inputting remittance authentication information for authenticating the remittance transaction, and through the transaction authentication interface Receive the above remittance authentication information.

When the remittance authentication information is input, the remittance transaction request unit 530 transmits remittance transaction request data including the received receipt information, the obtained remittance information, and remittance authentication information to the remittance transaction server 100. Receiving and outputting a remittance transaction result corresponding to the remittance transaction request data from the remittance transaction server 100.

Meanwhile, when the data transmission unit 515 transmits the remittance information to the remittance transaction server 100 before receiving the receipt information, the remittance transaction request unit 530 requests a remittance transaction including remittance authentication information. Data may be transmitted to the remittance transaction server 100, and the remittance transaction result corresponding to the remittance transaction request data may be received from the remittance transaction server 100 and output.

6 is a diagram illustrating an interpersonal remittance process using a code image according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 recognizes a code image in the smart phone 200 of the remitter shown in FIG. 5 to obtain encoded recognition data, and then transmits the encoded recognition data to the remittance transaction server 100. The remittance transaction server 100 authenticates the mapping key value included in the encoded recognition data through the key set, and the remittance transaction server 100 confirms receipt information corresponding to the authenticated mapping key value of the remitter. When provided to the smart phone 200, after receiving the remittance information and the remittance authentication information from the smart phone 200, the remittance information, remittance information and remittance authentication information from the smart phone 200 the remittance When transmitting to the transaction server 100, the remittance transaction server 100 uses the receipt information, remittance information and remittance authentication information through the bank server 190 provided in the remitter's transaction bank As a process of processing a remittance transaction, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to implement various methods for the code image issuance process (e.g., Some steps may be omitted, or the order of implementation may be changed), but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. No.

Referring to FIG. 6, the sender's smartphone 200 photographs the code image printed on the medium carried by the payee through the camera unit 230 or the code image output on the screen of the payee's smartphone 200. Photographing or recognizing a code image received from the recipient's smartphone 200 (600), and obtaining encoded recognition data corresponding to the code image (605).

The sender's smartphone 200 transmits the encoded recognition data to the remittance transaction server 100 (610), and the remittance transaction server 100 sets a key set connected to the mapping key value from the storage medium 175. And compares one or more valid key values included in the key set included in the encoded recognition data with one or more key values included in the key set identified from the storage medium 175, or Confirming that a predicted result value is derived by applying a verification operation specified to one or more valid key values included in the key set included in the encoded recognition data and one or more key values included in the key set identified from the storage medium 175. As a result, the validity of the mapping key value included in the encoded recognition data is authenticated (615). If the encoded recognition data is image data, the remittance transaction server 100 may extract the mapping key value and the key set from the encoded recognition data and then authenticate the mapping key value through the key set (615). ).

If the mapping key value is authenticated, the remittance transaction server 100 corresponds to an account connected to the mapping key value through a storage medium 175 or a bank server 190 in which an account corresponding to the mapping key value is opened. After confirming the receipt information including the recipient bank information, the recipient information and the recipient account information (620), the recipient information is provided to the recipient's smartphone 200 (625).

The sender's smartphone 200 obtains remittance information including remitter information, remittance bank information, remittance account information, remittance amount information (630), and receives one or more remittance authentication information for authenticating the remittance transaction. In operation 635, the receipt information, the remittance information, and the remittance authentication information are transmitted to the remittance transaction server 100 (640), and in response thereto, the remittance transaction server 100 corresponds to a bank server corresponding to the remitter's transaction bank. A request for a remittance transaction using the receipt information, the remittance information, and the remittance authentication information is requested at 190 (645).

After the bank server 190 processes the remittance transaction (650) and transmits a remittance transaction result corresponding thereto (655), the remittance transaction server 100 transmits the remittance transaction result to the sender's smartphone ( 200) (660).

7 is a diagram illustrating an interpersonal transfer process using a code image according to another exemplary embodiment of the present invention.

In more detail, in FIG. 7, a code image is recognized by the sender's smartphone 200 shown in FIG. 5 to obtain encoding recognition data and remittance information, and then the remittance transaction server 100 transmits the encoding recognition data and remittance information. ), The remittance transaction server 100 authenticates the mapping key value included in the encoded recognition data through the key set, and receives the receipt information corresponding to the mapping key value authenticated by the remittance transaction server 100. When checking and providing to the remitter's smartphone 200, after receiving the remittance authentication information from the smart phone 200, the remittance authentication information from the smart phone 200 to the remittance transaction server 100 Transmitting, using the remittance transaction server 100 to process the remittance transaction using the receipt information, remittance information and remittance authentication information through the bank server 190 provided in the remitter's transaction bank; As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 7 to perform various methods for the code image issuing process (for example, some steps may be omitted, or It is possible to infer an implementation method in which the order is changed), but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the sender's smartphone 200 photographs the code image printed on the medium carried by the payee through the camera unit 230, or the code image output on the screen of the payee's smartphone 200. Photographing or recognizing a code image received from the recipient's smartphone 200 (700), obtaining encoding recognition data corresponding to the code image (705), remitter information, remittance bank information, remittance account information In operation 710, remittance information including remittance amount information is obtained.

The sender's smartphone 200 transmits the encoded recognition data and the remittance information to the remittance transaction server 100 (715), and the remittance transaction server 100 transmits the mapping key value from the storage medium 175. Identify a concatenated key set, compare one or more valid key values included in the key set included in the encoded recognition data with one or more key values included in the key set identified from the storage medium 175, or Or a result obtained by applying a verification operation specified to one or more valid key values included in the key set included in the encoded recognition data and one or more key values included in the key set identified from the storage medium 175. In operation 720, the validity of the mapping key value included in the encoded recognition data is authenticated. If the encoded recognition data is image data, the remittance transaction server 100 may extract the mapping key value and the key set from the encoded recognition data and then authenticate the mapping key value through the key set (720). ).

If the mapping key value is authenticated, the remittance transaction server 100 corresponds to an account connected to the mapping key value through a storage medium 175 or a bank server 190 in which an account corresponding to the mapping key value is opened. After confirming the recipient information including the recipient bank information, the recipient information and the recipient account information (725), the recipient information is provided to the recipient's smartphone 200 (730).

The sender's smartphone 200 receives one or more remittance authentication information for authenticating the remittance transaction (735), and transmits the remittance authentication information to the remittance transaction server (100) (740). The remittance transaction server 100 requests a remittance transaction using the receipt information, remittance information and remittance authentication information to the bank server 190 corresponding to the remitter's transaction bank (745).

After the bank server 190 processes the remittance transaction (750) and transmits a remittance transaction result corresponding thereto (755), the remittance transaction server 100 transmits the remittance transaction result to the remitter's smartphone ( 200) (760).

100: remittance transaction server 105: information receiving unit
110: account authentication unit 115: mapping key confirmation unit
120: key set providing unit 125: value determination unit
130: value storage unit 135: code image generation unit
140: code image issuing unit 145: data receiving unit
150: image reading unit 155: mapping key authentication unit
160: receipt information confirmation unit 165: receipt information providing unit
170: remittance transaction processing unit 175: storage medium
180: customer terminal 190: bank server
200: Smartphone

Claims (16)

In the interpersonal remittance system using a code image implemented in a server provided in a financial partnership,
A mapping key verification unit configured to receive a mapping key value associated with a customer account from a bank server provided in a customer's trading bank or determine a mapping key value connected to the customer account;
A value determination unit that determines a key set including N (N ≧ 1) key values for authenticating the mapping key values;
A value storage unit which maps the mapping key value and the determined N key sets to a storage medium;
A data receiving unit for receiving, from a smartphone of a sender, encoding recognition data recognizing a code image obtained by coding and encoding the mapping key value and the N key sets according to a specified matrix encoding rule;
Identify n (1 ≦ n ≦ N) key sets among the N key sets mapped with the received mapping key value from the storage medium, and check n key sets among the received N key sets and the storage medium A mapping key authenticator configured to compare (or verify arithmetic) a set of n keys and authenticate the mapping key value;
A receipt information verification unit for confirming receipt information including the recipient bank information, the recipient information, and the recipient account information corresponding to the customer account associated with the mapping key value;
Receipt information providing unit for providing the confirmed receipt information to the sender's smartphone; And
Remittance transaction for providing remittance information, remitter information, remittance bank information, remittance account information, remittance amount information and remittance authentication information provided from the remitter's smartphone to the bank server provided in the remitter's transaction bank An inter-person remittance system using a code image, characterized in that it comprises a processing unit.
The method of claim 1,
When the mapping key value is applied to the financial alliance institution,
An information receiving unit for receiving customer information and trading bank information and customer account information established in the trading bank from a customer terminal; And
And an account authentication unit for authenticating whether a customer account of the customer's name is opened in the trading bank in connection with a bank server provided in the trading bank.
The mapping key confirmation unit,
The inter-person transfer system using a code image, characterized in that for determining the mapping key value when the customer account is opened in the trading bank.
The method of claim 1, wherein the mapping key confirmation unit,
When the mapping key value is applied to the trading bank of the customer affiliated with the financial alliance institution,
Inter-person remittance system using a code image, characterized in that for receiving a mapping key value connected to the customer account opened in the bank from the bank server provided in the bank.
The method of claim 3, wherein
And a key set providing unit configured to provide the mapping key value and the key set to the bank server, when the key set is determined.
The method of claim 1,
The value storage unit,
Storing the customer account information, the transaction bank information, and the customer information corresponding to the customer account associated with the mapping key value in a storage medium by connecting the mapping key value with the mapping key value;
The receipt information confirmation unit,
The inter-person remittance system using a code image, characterized in that the receiving information including the recipient bank information, the recipient information and the recipient account information associated with the mapping key value from the storage medium.
The method of claim 1, wherein the mapping key value,
Include bank identification values and account identification values,
The receipt information confirmation unit,
Receiving the payee information and the receiving account information corresponding to the account identification value from the bank server corresponding to the bank identification value, the recipient bank information corresponding to the bank identification value and the beneficiary information and the receiving account information received from the bank server; Inter-person remittance system using a code image, characterized in that to check the receipt information including.
The method of claim 1, wherein the encoded recognition data,
Includes a mapping key value and a key set extracted from the recognized code image, or
The inter-person remittance system using a code image, characterized in that it comprises image data corresponding to the recognized code image.
The method of claim 1,
When the coded recognition data includes image data, an image reader may further include an image reader configured to read the image data and extract a mapping key value and a key set according to the matrix coding rule. Money transfer system.
The method of claim 1, wherein the data receiving unit,
And the remittance transaction data including the remitter information, the remittance bank information, the remittance account information and the remittance amount information, including the encoded recognition data as the receipt information of the remittance transaction.
The method of claim 1, wherein the data receiving unit,
The inter-person remittance system using the code image, characterized in that for receiving the remittance information, including the receipt information, the remitter information, remittance bank information, remittance account information, remittance amount information and remittance authentication information.
The method of claim 1, wherein the code image,
Recognized from the medium (or recipient's smartphone screen) possessed by the payee through a camera provided in the sender's smartphone, or
Inter-person remittance system using a code image, characterized in that received from the recipient's smartphone to the sender's smartphone.
The method of claim 1, wherein the N key values are:
An interpersonal remittance system using a code image comprising n (1≤n≤N) valid key values and (Nn) invalid key values.
In the inter-person remittance method using a code image executed by a server provided in a financial partnership,
The server receiving a mapping key value associated with a customer account or determining a mapping key value associated with the customer account from a bank server provided in the customer's trading bank;
Determining, by the server, a key set including N (N ≧ 1) key values for authenticating the mapping key value;
Mapping, by the server, the mapping key value and the determined N key sets to a storage medium;
Receiving, by the server, encoding recognition data recognizing a code image obtained by coding and encoding the mapping key value and the N key sets according to a specified matrix encoding rule from a sender's smartphone;
The server checks n (1 ≦ n ≦ N) key sets among the N key sets mapped with the received mapping key value from the storage medium, and stores the n key sets and the storage among the received N key sets. Comparing (or verifying) the n set of keys identified from the medium to authenticate the mapping key values;
Confirming, by the server, receipt information including recipient bank information, recipient information, and recipient account information corresponding to the customer account associated with the mapping key value;
The server providing the confirmed receipt information to the sender's smartphone; And
The server provides the remitter information, the remitter information, the remittance bank information, the remittance account information, the remittance amount information and the remittance authentication information provided from the smart phone of the remitter to the bank server provided in the remitter's transaction bank to process the remittance transaction. Remittance method between individuals using a code image, characterized in that comprises a.
The method of claim 13, wherein determining the mapping key value comprises:
When the mapping key value is determined in the server provided to the financial partner institution,
Receiving, by the server, customer information, transaction bank information, and customer account information established in the transaction bank from the customer terminal; And
And the server cooperating with a bank server provided in the trading bank to verify whether a customer account of the customer's name is opened in the trading bank.
The method of claim 13, wherein the determining of the mapping key value comprises: determining the mapping key value in a server provided in a trading bank of a customer affiliated with the financial partnership institution.
And receiving, by the server, a mapping key value connected to a customer account opened in the trading bank from a bank server provided at the trading bank of the customer affiliated with the financial affiliated institution. Remittance method between individuals.
The method of claim 13, wherein authenticating the mapping key value comprises:
If the encoded recognition data includes image data, the server further includes reading the image data according to the matrix encoding rule and extracting a mapping key value and a key set. How to transfer money between individuals.

Images