KR101212236B1 - System for financial service and method thereof - Google Patents

Abstract

The financial service system stores a financial server that manages an account of a first user and an account of a second user, and stores linkage information of a phone number and an account number of each of the first user and the second user. When the first account transfer request message including the phone number and the price information of the second user is received from the terminal, the account number of the second user corresponding to the phone number of the second user is retrieved using the linkage information. And transmitting a second bank transfer request message including the searched account number of the second user and the amount information to the financial server so that the account transfer is performed from the account of the first user to the account of the second user. It includes a relay server.

Description

Financial Services System and Method {SYSTEM FOR FINANCIAL SERVICE AND METHOD THEREOF}

The present invention relates to a financial service system and method, and more particularly, to a financial service system and method that can efficiently process bank transfer, billing and payment using an application of a smartphone.

Recently, smart phones, which are intelligent terminals that add computer support functions such as Internet communication and information retrieval, have become popular. The most distinctive feature of smartphones is that unlike existing mobile phones that were released as finished products and used only given functions, various applications can be installed and used by users.

Smartphone users can not only access the Internet directly through their smartphones, but also use the various browsing programs to access the Internet in various ways. Smartphone users can create their own applications or implement the interface that is suitable for them through various applications. In addition, applications can be shared between smartphones with the same operating system.

Currently, in addition to financial transactions through employees of financial institutions, telebanking using a telephone, internet banking using the Internet, and mobile banking using a mobile phone are mainly used. Mobile banking is a financial transaction service that provides various services such as balance inquiry, bank transfer, and cash service anytime, anywhere using a mobile phone with internet access. Mobile banking is distinguished from telebanking in that it can be used securely and securely, and is distinguished from internet banking in that it can be used on the go.

As mobile phones evolve from mobile phones with Internet access to smart phones with added computer support, financial transaction services using various functions of smart phones are required.

The technical problem to be solved by the present invention is to provide a financial service system and method that can efficiently process the transfer, billing and payment by using the application of the smartphone.

Financial service system according to an embodiment of the present invention provides a financial server for managing the account of the first user and the account of the second user, and the link information of the phone number and account number of each of the first user and the second user Storing and receiving a first money transfer request message including the phone number and the price information of the second user from the terminal of the first user, using the linkage information corresponding to the phone number of the second user; Search for the account number of the second user, and transmit a second bank transfer request message including the searched account number and the amount information of the second user to the financial server to search for the account of the second user; It includes a relay server to allow the account transfer to the account.

The relay server receives a service subscription agreement from each of the terminal of the first user and the terminal of the second user, and provides the service subscription agreement to the financial server to provide a virtual account of each of the first user and the second user. The bank may open the account of the first user and the account of the second user, which are virtual accounts.

The relay server may store link information of a phone number of each of the first user and the second user, and an account number of each of the virtual accounts of the first and second users.

The relay server transmits a short message service (SMS) authentication number to the terminal of the first user, checks an SMS authentication number returned from the terminal of the first user, and performs security authentication for the terminal of the first user. Thereafter, the second bank transfer request message may be transmitted to the financial server.

When the relay server receives a first request for request message including the phone number and the price information of the first user from the terminal of the second user, the relay server transmits an SMS authentication number to the terminal of the second user. 2 confirms the SMS authentication number returned from the user terminal to perform security authentication for the second user terminal, and sends a second request request message including the telephone number and the amount information of the second user to the first user. It can transmit to the terminal.

According to another embodiment of the present invention, a method for providing a financial service by a relay server that stores linkage information between a phone number of each of a first user and a second user and an account number of a virtual account is provided from the terminal of the second user. Receiving a first billing request message including a telephone number of the user, a phone number of the first user and the amount of money information, and receiving a second billing request message including the phone number and the amount of money information of the second user; Transmitting to a terminal of a first user, receiving a first bank transfer request message including a telephone number of the first user, a telephone number of the second user, and the price information from the terminal of the first user; The account number of the first user and the phone number of the second user corresponding to the telephone number of the first user using the linkage information. Retrieving the account number of the second user, transmitting a second account transfer request message including the searched account number of the first user, the searched account number of the second user, and the amount information to a financial server; And performing, by the financial server, an account transfer from the first user's account to the second user's account.

Receiving a service subscription agreement from each of the terminal of the first user and the terminal of the second user, and providing the service subscription agreement to the financial server to open a virtual account of each of the first user and the second user. It may further comprise the step of requesting.

The transmitting of the second request request message to the terminal of the first user may include transmitting an SMS authentication number to the terminal of the second user, and an SMS authentication number returned from the second user terminal and the transmitted message. The method may include performing security authentication on the second user terminal by checking whether the SMS authentication numbers match.

The transmitting of the second account transfer request message to the financial server may include: retrieving the account number of the second user, transmitting an SMS authentication number to the terminal of the first user, and the terminal of the first user. Checking the SMS authentication number returned from the may include performing a security authentication for the terminal of the first user.

In a financial service method using a user terminal according to another embodiment of the present invention, when a payee is designated as a payee's phone number and a transfer amount is input, requesting a password for user authentication to the user, and when the password is input, Transmitting an SMS authentication number request message to a relay server storing linkage information of a phone number and an account number; receiving an SMS authentication number from the relay server; and when the SMS authentication number is input, the input SMS Requesting security authentication for the user terminal by transmitting an authentication number to the relay server, and if the security authentication for the user terminal is completed in the relay server, including the telephone number of the payee and the transfer amount. 1 sending a request for bank transfer to the relay server, the relay server Retrieves the account number of the payee using the linkage information, transmits a second account transfer request message including the found payee account number and the transfer amount to a financial server, and sends the account to the payee account in the user's account. The transfer amount is transferred to the account.

The payee may be designated as a telephone number retrieved from the telephone book stored in the storage unit or a telephone number directly input by the user.

Receiving an invoice from the relay server, the invoice comprising a telephone number of the payee and a bill corresponding to the transfer amount, wherein the payee can be automatically assigned to the payee's phone number included in the bill; have.

Financial service customers can easily use financial services such as bank transfer, billing, and payment without entering a separate account number using a phone number entered on a smartphone.

In addition, the financial services customers can conveniently use the financial services because they do not have to enter the authentication number of various security modules for financial services such as bank transfer, billing, and payment.

1 is a block diagram showing a financial service system using a smartphone according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a user terminal according to an exemplary embodiment of the present invention.
3 is a block diagram schematically illustrating a relay server according to an embodiment of the present invention.
Figure 4 is a block diagram showing a financial service method using a smart phone according to an embodiment of the present invention.
5 is a block diagram showing a financial service method using a smartphone according to another embodiment of the present invention.
6 shows an example of a claimant invoice screen in a financial service method using a smartphone according to an embodiment of the present invention.
7 is a block diagram showing a financial service method using a smartphone according to another embodiment of the present invention.
8 illustrates an example of an invoiced bill screen in a financial service method using a smartphone according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may be embodied in many different forms and is not limited to the embodiments described herein.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

1 is a block diagram showing a financial service system using a smartphone according to an embodiment of the present invention.

Referring to FIG. 1, the financial service system includes a first user terminal 10, a second user terminal 20, an application server 30, a relay server 40, and a financial server 50.

The first user terminal 10 and the second user terminal 20 may be an intelligent terminal, that is, a smart phone, including computer support functions such as internet communication and information retrieval. The first user terminal 10 and the second user terminal 20 are not limited to a smartphone, and include a personal computer (PC), a personal digital assistant (PDA), a notebook computer, and the like, which can be connected to a wired or wireless network. The first user terminal 10 and the second user terminal 20 use a variety of applications provided by the application (application) or the application server 30 that is owned by the bank transfer, billing, payment, etc. Can support

The application server 30 includes various applications and provides various applications to the first user terminal 10 and the second user terminal 20. In particular, the application server 30 uses the phone number input to the smart phone, the first user terminal 10 and the first application to support financial services such as account transfer, billing, payment, etc. without inputting a separate account number. 2 may be provided to the user terminal 20.

The financial service support application may include functions such as (1) membership, (2) login, (3) inquiry, (4) charging, (5) transfer, (6) payment, and (7) setting.

(1) The member registration function may include detailed functions such as a user guide for using the financial service support application and a subscription application interface.

(2) The login function may include detailed functions such as PIN (Personal Identification Number) search and login guidance.

(3) The inquiry function may include detailed functions such as balance inquiry, transaction history inquiry, delivery message inquiry, transaction memo search, phonebook search, and expenditure statistics inquiry of the user account. Transaction history search function may include sub-functions such as transaction memo registration, expenditure classification. The user account includes a virtual account opened in the financial server 50 for the financial service and the parent account of the virtual account.

(4) The charging function may include detailed functions such as charging a wire transfer to a virtual account for a financial service, charging a micro payment of a mobile phone, checking and recharging a waiting amount of a charge. The account transfer charging function to the virtual account may include sub-functions such as the transfer from the mother account in the financial institution to the virtual account, the automatic transfer to the virtual account, the account transfer charge from the other financial institution to the virtual account.

(5) The transfer function may include detailed functions such as telephone number transfer, bump transfer, SMS invoice, linked account refund, and transfer reservation management. The phone number transfer function searches the phone book stored in the smartphone and transfers the phone book search transfer that specifies the recipient, the phone number input that specifies the phone number that the user enters as the recipient, and the sender sends / records for the transfer confirmation. It may include sub-functions such as messages / transaction notes. The SMS billing function may include sub-functions such as one-person billing for one subject and multi-person billing for multiple subjects.

(6) The payment function may include a detailed function of bank transfer payment. The bank transfer payment function may include sub-functions such as bank transfer payment for transferring a payment amount from a virtual account for a financial service to a payment account, and a payment amount transferred from a user's mother account to a payment account.

(7) The setting function may include detailed functions such as password change, mobile phone change, accident report, inquiry and service termination. The password change function may include sub-functions such as PIN change and password change.

The function of the financial service support application is not limited to the above-described function, and various functions may be added or changed according to the needs of the user or the operating system of the smartphone.

The relay server 40 relays the first user terminal 10, the second user terminal 20, and the financial server 50 to provide a financial service. In more detail, the relay server 40 may receive a subscription agreement of the financial service from each of the first user terminal 10 and the second user terminal 20 to register as a subscriber of the financial service. The subscription agreement may include information such as the name of the user, a telephone number, the name of the user's trading financial institution, and an account number.

The relay server 40 provides the financial server 50 with the subscription agreement received from the first user terminal 10 and the second user terminal 20, and the first user and the second of the first user terminal 10. The financial server 50 may request the establishment of a virtual account of each second user of the user terminal 20. The relay server 40 stores linkage information associated with a phone number of each of the first and second users, and an account number of each of the virtual accounts of the first and second users.

When the relay server 40 receives the first financial processing (account transfer, payment) request message including the phone number and the amount information of the second user from the first user terminal 10, the second user uses the linkage information. Search for the account number of the virtual account corresponding to the telephone number of the user, and transmit a second financial processing (account transfer, payment) request message including the retrieved account number and amount information of the second user to the financial server 50; The account transfer (payment) is performed from the user's virtual account to the second user's virtual account.

In this case, the relay server 40 may perform security authentication of the first user terminal 10 for the financial service. The relay server 40 may generate a short message service (SMS) authentication number and transmit it to the first user terminal 10 for security authentication of the first user terminal 10, and reply from the first user terminal 10. The SMS authentication number may be checked to perform security authentication on the first user terminal 10.

Meanwhile, when the relay server 40 receives the first request for request message including the phone number and the price information of the first user from the second user terminal 20, the relay server 40 transmits the SMS authentication number to the second user terminal 20. And confirming the SMS authentication number returned from the second user terminal 20 to perform security authentication for the second user terminal 20, and to receive a second request for request message including the phone number and the price information of the second user. It may transmit to the first user terminal 10. The first user terminal 10 may transmit the above-described first financial processing (account transfer, payment) request message to the relay server 40 based on the second billing request message.

The financial server 50 opens and manages the parent account and the virtual account of the user who subscribed to the financial service. When the financial server 50 receives the subscription agreement of the financial service of the first user from the relay server 40, the financial server 50 opens a virtual account linked to the mother account of the first user and transfers the account number of the virtual account to the relay server 40. To pass. When the financial server 50 receives the subscription agreement of the financial service of the second user from the relay server 40, the financial server 50 opens a virtual account linked to the mother account of the second user and transfers the account number of the virtual account to the relay server 40. To pass.

The financial server 50 may charge the virtual account by transferring the amount according to the user's request from the mother account to the virtual account or by automatically transferring a predetermined amount from the mother account to the virtual account according to a preset condition. Alternatively, the financial server 50 may charge the virtual account with the amount transferred from another financial institution.

For example, a set balance may be set in a virtual account for a financial service, and when a balance of the virtual account becomes less than or equal to the set balance, a predetermined amount may be automatically transferred from the parent account to the virtual account. The predetermined amount to be automatically transferred from the parent account to the virtual account may be a predetermined amount. Alternatively, the predetermined amount to be automatically transferred from the mother account to the virtual account may be an amount obtained by subtracting the current balance from the target amount so that the balance of the virtual account becomes a predetermined target amount.

In the above, the application server 30, the relay server 40 and the financial server 50 has been described as being provided separately for the financial service, two or more servers may be integrated to form a financial service system.

The first user terminal 10 may transfer the money or transfer the charge to the second user terminal 20 through the relay server 40 supporting the financial service, and the second user terminal 20 may The billing of the first user terminal 10 may be performed through the relay server 40. In this case, the first user may perform a wire transfer (or billing) by inputting only the phone number and the transfer amount (or the billing amount) of the second user, and the second user based on the received bill and user authentication and security authentication. Only by performing the wire transfer payment for the claim received from the first user terminal 10 can be performed. Account transfer, billing and payment methods using such a financial service will be described later with reference to FIGS. 4 to 6.

2 is a block diagram schematically illustrating a user terminal according to an exemplary embodiment of the present invention.

1 and 2, the user terminal may be any one of the first user terminal 10 and the second user terminal 20 of the financial service system of FIG. 1. For convenience of explanation, the first user terminal 10 will be described as an example.

The first user terminal 10 includes a communication module 11, a terminal controller 12, an input unit 13, a display unit 14, an application unit 15, and a storage unit 16.

The communication module 11 transmits and receives data to the application server 30, the relay server 40, the financial server 50 and the like. The communication module 11 may transmit and receive data using at least one communication protocol of a mobile communication network, a wireless LAN, a Transmission Control Protocol / Internet Protocol (TPC / IP), and a metropolitan area network (MAN). .

The terminal controller 12 controls the overall functions of the first user terminal 10. In more detail, the terminal controller 12 downloads the financial service support application from the application server 30 through the communication module 11 and installs the downloaded financial service support application in the application unit 15. The terminal control unit 12 stores a phone book in which the name and the phone number are linked and recorded in the phone number storage unit 16, and searches the phone number storage unit 16 for a phone number corresponding to the name specified by the user. .

The terminal controller 12 transmits a request message such as account transfer, billing, payment, etc. to the relay server 40 through the communication module 11. The request message such as bank transfer, billing, payment, etc. may include a remitter's or claimant's telephone number, a recipient's or claimant's telephone number, a transfer amount, or a charge amount information.

The input unit 13 may be configured by well-known user input means such as a keypad and a touch screen. Through the input unit 13, a user may input a user command such as searching a phone book, specifying a payee, inputting a transfer amount (billing amount), and inputting an SMS authentication number.

The display unit 14 may be configured with well-known display means such as an LCD (Liquid Crystal Display) and an OLED (Organic Light Emitting Diodes) panel. Various interface screens for the financial service may be displayed through the display unit 14.

At least one application is installed in the application unit 15, and the application unit 15 drives a specific application under the control of the terminal control unit 12. The application unit 15 may drive functions such as membership, login, inquiry, charging, transfer, payment, and setting of the financial service support application under the control of the terminal controller 12. The application unit 15 may store a password, and may request a password from a user when performing a transfer and payment using a financial service support application. The password is a password that is specified at the time of installation of the financial services support application for user authentication or according to the user's settings.

The phone number storage unit 16 stores a phone book in which a name and a phone number are recorded in association. The phone book may be stored in the phone number storage unit 16 according to a user's input through the input unit 13. The phone book for financial services may be stored in a separate storage area separate from the storage area in which general data is stored and activated when the financial service support application is driven.

3 is a block diagram schematically illustrating a relay server according to an embodiment of the present invention.

1 and 3, the relay server 40 includes a communication module 41, a server controller 42, an account information storage unit 43, an authentication unit 44, and an SMS generation unit 45.

The communication module 41 transmits and receives data to the first user terminal 10, the second user terminal 20, the financial server 50, and the like. The communication module 41 may transmit and receive data using at least one communication protocol of a mobile communication network, a wireless LAN, a TPC / IP, and a metropolitan area network.

The server controller 42 controls the overall functions of the relay server 40. More specifically, the server control unit 42 uses the phone number included in the request message of the account transfer, billing, payment, etc. received from the user terminal through the communication module 41, the phone number in the account information storage unit 43 Search for the account number corresponding to. The server controller 42 generates an SMS authentication number in the authentication unit 44 for security authentication of the user terminal. The server controller 42 generates an SMS message, such as a bill to be sent to the user terminal, an account transfer confirmation message, from the SMS generator 45.

The account information storage unit 43 stores linkage information between the user's telephone number and the account number. The account information storage unit 43 may store the link information of the phone number and the account number only for the user who has subscribed to the financial service. That is, the relay server 40 may receive the account number of the virtual account from the financial server 50 only for the user who has submitted a subscription agreement of the financial service.

The authenticator 44 generates the SMS authentication number under the control of the server controller 42. The authentication unit 44 may generate an SMS authentication number according to a well-known generation method, and transmit the generated SMS authentication number to the user terminal through the communication module 41. The authentication unit 44 compares the SMS authentication number returned from the user terminal with the generated SMS authentication number and performs security authentication on the user terminal.

The SMS generating unit 45 generates an SMS message such as a bill to be sent to the user terminal, an account transfer confirmation message, and the like. The SMS generating unit 45 may generate a bill including a phone number of the claimant, a bill amount, and a reason for billing according to the request message of the user terminal, and transmit the bill to the requestee through the communication module 41.

Now, a financial service method using a smartphone will be described. This section describes how to easily perform bank transfer, billing, payment, etc. using just a phone number using a financial service support application.

Figure 4 is a block diagram showing a financial service method using a smart phone according to an embodiment of the present invention. A method of performing account transfer using the user terminal will be described.

1, 2 and 4, the user terminal executes the financial service support application (S110). When installing the financial service support application, a shortcut icon of the financial service may be generated. According to the selection and execution of the shortcut icon of the user through the input unit 13, a PIN input screen for executing the financial service support application may be displayed on the display unit 14. When the user enters his or her PIN through the PIN input screen, the user terminal may execute the financial service support application.

After executing the financial service support application, the user terminal displays a menu screen indicating the function of the financial service support application on the display unit 14, and the user may select a transfer menu through the menu screen (S120).

When the transfer menu is selected, the user terminal displays the bank transfer screen on the display unit 14, and the user may designate the payee as a telephone number through the bank transfer screen (S130). The account transfer screen may include an execution key for a phone book search function and a phone number input function. The user may designate a payee by searching the phone book stored in the phone number storage unit 16, or designate a payee by directly inputting a phone number.

The user may input the transfer amount via the bank transfer screen (S140). The transfer amount that can be transferred at one time using financial services may be limited according to the service policy or the balance of the user's virtual account, or the balance of the virtual account and the parent account. For example, the user may set a one-time transfer amount and a daily transferable amount upon signing up for the financial service, and the account transfer may be executed within the limit of the set transferable amount. In addition, account transfer may be performed within the balance limit of the virtual account of the financial service, or account transfer may be performed within the balance limit of the virtual account and the parent account.

When the recipient designation and the transfer amount input are completed through the wire transfer screen, the user terminal displays a password input screen for user authentication on the display unit 14 and requests the user to input a password. The user may enter a password through the password input screen (S150). The password is a password that is specified at the time of installation of the financial services support application or according to the user's settings.

If the password is correctly input through the password input screen, the user terminal transmits the SMS authentication number request message to the relay server 40 (S160). The SMS authentication number request message may include a phone number of the user terminal.

When the relay server 40 receives the SMS authentication number request message from the user terminal, the relay server 40 generates the SMS authentication number and transmits the generated SMS authentication number to the user terminal.

After transmitting the SMS authentication number request message to the relay server 40, the user terminal displays the SMS authentication number input screen on the display unit 14, and the user inputs the received SMS authentication number through the SMS authentication number input screen. It may be (S170). When the SMS authentication number is input through the SMS authentication number input screen, the user terminal may transmit the input SMS authentication number to the relay server 40 to request security authentication for the user terminal.

The relay server 40 completes the security authentication for the user terminal if the SMS authentication number returned from the user terminal matches the generated SMS authentication number. On the other hand, security authentication for the user terminal may be replaced by the motion authentication function of the smart phone.

When the security authentication for the user terminal is completed, the user terminal transmits a first account transfer request message including the telephone number of the user terminal, the recipient's telephone number, and the transfer amount information to the relay server 40.

The relay server 40 retrieves the remitter's account number corresponding to the telephone number of the user terminal included in the first bank transfer request message and the remittee's account number corresponding to the payee's telephone number. The relay server 40 transmits a second bank transfer request message to the financial server 50 so that the transfer amount is transferred from the sender's virtual account to the recipient's virtual account.

The financial server 50 executes an account transfer so that the transfer amount is transferred from the sender's virtual account to the recipient's virtual account (S180).

As described above, the telephone number of the user who subscribed to the financial service and the account number are stored in the relay server 40 in association with each other, so that the user selects the payee from the stored phone book without having to input the recipient's account number one by one. You can easily perform a wire transfer.

5 is a block diagram showing a financial service method using a smartphone according to another embodiment of the present invention. 6 shows an example of a claimant invoice screen in a financial service method using a smartphone according to an embodiment of the present invention. A method of claiming costs or charges using a user terminal will be described.

1, 2, 5 and 6, the user terminal executes the financial service support application (S210). When the user enters his or her PIN through the PIN input screen, the user terminal may execute the financial service support application.

After the financial service support application is executed, the user terminal displays a menu screen indicating the function of the financial service support application on the display unit 14, and the user may select a bill menu through the menu screen (S220).

When the billing menu is selected, the user terminal displays the claimant bill screen on the display unit 14, and the user may designate the claimant through the claimant bill screen (S230). As shown in FIG. 6, the claimant invoice screen includes a billing amount input field, a reason for billing input field, and a phone number search / input field for designation of a claimant. The user may select the respondent by searching the phone book stored in the telephone number storage unit 16 through the telephone number search / input field, or designate the respondent by directly inputting the telephone number. In the Claimant Invoice screen, the Respondent may be designated in plural.

The user may input the amount of billing and the reason for billing through the claimant bill screen (S240). In FIG. 6, the user shows a claimant bill screen for requesting the same amount of money from a plurality of respondents, but the claimant bill screen is a form in which a predetermined amount of bills are billed to the plurality of respondents, or a bill is designated for each respondent. Can be implemented. For example, in the case of paying the cost of a meeting such as a step meeting or a fellowship, the user inputs the total amount of the bill through the Claimant Invoice screen and designates a plurality of respondents. You will be charged for the amount. The user may enter the reason for the claim once for all the respondents or may enter the reason for the claim for each person.

When the designation of the requestee, the input of the charge amount, and the input of the reason for the charge are completed through the claimant bill screen, the user terminal transmits an SMS authentication number request message to the relay server 40 (S250). The SMS authentication number request message may include a phone number of the user terminal. When the relay server 40 receives the SMS authentication number request message from the user terminal, the relay server 40 generates the SMS authentication number and transmits the generated SMS authentication number to the user terminal.

After transmitting the SMS authentication number request message to the relay server 40, the user terminal displays the SMS authentication number input screen on the display unit 14, and the user inputs the received SMS authentication number through the SMS authentication number input screen. It may be (S260). When the SMS authentication number is input through the SMS authentication number input screen, the user terminal may transmit the input SMS authentication number to the relay server 40 to request security authentication for the user terminal. The relay server 40 authenticates the security of the user terminal if the SMS authentication number returned from the user terminal matches the generated SMS authentication number. On the other hand, security authentication for the user terminal may be replaced by the motion authentication function of the smart phone.

If the security of the user terminal is authenticated, the user terminal transmits a first request for request message including information such as the telephone number of the user terminal (claimer), the telephone number of the respondent, the amount of charge, and the reason for the request to the relay server 40. do. The first request for request message is a message transmitted from the user terminal of the claimant to the relay server 40, and the first request for request, together with the telephone number of the requestee, the amount charged for each of the respondents, and the reason for the request, entered through the claimant bill screen. It includes the phone number of the user terminal (claimer) that sends the message.

The relay server 40 generates a bill (second claim request message) including the claimant's telephone number (or claimant's name), the amount of charge, and the reason for the request, according to the first claim request message, and sends the bill to the user terminal of the respondent ( S270). The second request request message is a message transmitted from the relay server 40 to the requestee's user terminal, and includes the claimant's telephone number (or claimant's name), the amount of the charge, and the reason for the request. The relay server 40 transmits a second billing request message to each user terminal being a plurality of billed parties.

The method of claiming a bill to a plurality of respondents through the claimant bill screen described above is to transmit an electronic bill to a user terminal for billing a utility bill or a card payment amount, in addition to personal billing or meeting expenses. It can also be used.

7 is a block diagram showing a financial service method using a smartphone according to another embodiment of the present invention. 8 illustrates an example of an invoiced bill screen in a financial service method using a smartphone according to an embodiment of the present invention. A method of performing payment on a bill received using a user terminal will be described.

1, 2, 7 and 8, the user terminal receives the billee's bill including the claimant's telephone number, the billed amount and the reason for the bill from the relay server 40 (S310).

When the user enters his PIN through the PIN input screen to check the bill, the user terminal executes the financial service support application (S320). When the financial service support application is executed, the claimant's invoice screen including the claimant's phone number (or claimant's name), the amount of charge, and the reason for the claim is displayed on the display unit 14. As shown in FIG. 8, the invoiced bill screen may include the name of the claimant (phone number), the reason for the claim, the amount of the charge, and the like. In addition, the billed person's invoice screen may include a payment function key for bank transfer payment of the billed amount, a rejection function key for rejecting payment of the billed amount, a password input field for user authentication, and the like.

The claimant's telephone number and the amount of the bill in the Recipient's invoice are automatically set to the recipient and the transfer amount for the wire transfer payment. The user can check the billed amount and the reason for billing in the billed person's invoice, and select a payment function key for the wire transfer payment in the billed person's bill.

Although FIG. 8 shows a billed-bill person bill screen, the type of the billed-bill person bill screen is not limited, and the billed-bill person bill screen may be implemented in the form of an electronic bill for billing a utility charge or a card payment amount.

The user may input a password through a password input screen for user authentication or a password input screen separately displayed by the user terminal (S330).

When the password is correctly input through the password input box or the password input screen, the user terminal transmits the SMS authentication number request message to the relay server 40 (S340). The SMS authentication number request message may include a phone number of the user terminal. When the relay server 40 receives the SMS authentication number request message from the user terminal, the relay server 40 generates the SMS authentication number and transmits the generated SMS authentication number to the user terminal.

After transmitting the SMS authentication number request message to the relay server 40, the user terminal displays the SMS authentication number input screen on the display unit 14, and the user inputs the received SMS authentication number through the SMS authentication number input screen. It may be (S350). When the SMS authentication number is input through the SMS authentication number input screen, the user terminal may transmit the input SMS authentication number to the relay server 40 to request security authentication for the user terminal. The relay server 40 completes the security authentication for the user terminal if the SMS authentication number returned from the user terminal matches the generated SMS authentication number. On the other hand, security authentication for the user terminal may be replaced by the motion authentication function of the smart phone.

When the security authentication for the user terminal is completed, the user terminal relays the first account transfer request message including the telephone number of the claimant (sender), the telephone number of the claimant (recipient), and the amount of money (transfer amount). To be sent).

The relay server 40 retrieves the respondent's account number corresponding to the respondent's phone number included in the first bank transfer request message and the claimant account number corresponding to the claimant's phone number. The relay server 40 transmits the second account transfer request message to the financial server 50 so that the bill is transferred from the claimant's virtual account to the claimant's virtual account.

The financial server 50 executes an account transfer so that the corresponding charge is transferred from the claimant's virtual account to the claimant's virtual account (S360).

As described above, the telephone number of the user who subscribed to the financial service and the account number are stored in the relay server 40 in association with each other, so that the claimant selects the respondent from the stored phone book without having to input the accountant's account number one by one. You can easily claim the amount. In addition, the claimant's phone number and billing amount included in the invoice are automatically set as the payee and transfer amount for bank transfer payments, so the respondent can simply transfer the bill to the bill without having to enter the claimant's account number as well as a phone number. Payment can be performed.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: first user terminal
20: second user terminal
30: application server
40: relay server
50: financial server

Claims (12)

A financial server managing an account of the first user and an account of the second user; And
Storing the link information of each of the first user and the second user's telephone number and account number, and includes the telephone number of the second user, the telephone number of the first user, and the amount information from the terminal of the second user; Receiving a first request for request message, a second request for request message including the phone number of the second user and the price information to the terminal of the first user, and receiving the first request from the terminal of the first user. When a first bank transfer request message including a telephone number of the user, a telephone number of the second user, and the price information is received, the first user corresponding to the telephone number of the first user using the linkage information is received. Search for the account number of the second user corresponding to the account number and the telephone number of the second user; And a relay server which transmits a second bank transfer request message including an account number of the user and the amount of money information to the financial server so that the bank transfer can be performed from the account of the first user to the account of the second user. Financial services system. The method according to claim 1,
The relay server receives a service subscription agreement from each of the terminal of the first user and the terminal of the second user, and provides the service subscription agreement to the financial server to provide a virtual account of each of the first user and the second user. Request to open,
And the financial server opens an account of the first user and an account of the second user which are virtual accounts. The method of claim 2,
And the relay server stores linkage information of a phone number of each of the first user and the second user and an account number of each of the virtual accounts of the first and second users. The method according to claim 1,
The relay server transmits a short message service (SMS) authentication number to the terminal of the first user, checks an SMS authentication number returned from the terminal of the first user, and performs security authentication for the terminal of the first user. And transmit the second bank transfer request message to the financial server. The method according to claim 1,
When the relay server receives the first request request message from the terminal of the second user, the relay server transmits an SMS authentication number to the terminal of the second user, checks the SMS authentication number returned from the second user terminal, and Performing a security authentication on a second user terminal and transmitting the second billing request message to the terminal of the first user. A method for providing a financial service by a relay server that stores linkage information between a phone number of each of a first user and a second user and an account number of a virtual account,
Receiving a first billing request message including a telephone number of the second user, a telephone number of the first user, and money information from the terminal of the second user;
Transmitting a second billing request message including a phone number of the second user and the price information to a terminal of the first user;
Receiving a first bank transfer request message including a telephone number of the first user, a telephone number of the second user, and the price information from the terminal of the first user;
Retrieving the account number of the first user corresponding to the telephone number of the first user and the account number of the second user corresponding to the telephone number of the second user using the linkage information;
Transmitting a second account transfer request message including the searched first user's account number, the searched second user's account number and the amount information to a financial server; And
The financial server performing a bank transfer from the first user's account to the second user's account. The method of claim 6,
Prior to receiving the first claim request message,
Receiving a service subscription agreement from each of the terminal of the first user and the terminal of the second user; And
And providing the service subscription agreement to the financial server to request opening of a virtual account of each of the first user and the second user. The method of claim 6,
The transmitting of the second request message to the terminal of the first user,
Transmitting an SMS authentication number to a terminal of the second user; And
Checking whether the SMS authentication number returned from the second user terminal matches the transmitted SMS authentication number and performing security authentication on the second user terminal. The method of claim 6,
The step of transmitting the second bank transfer request message to a financial server,
Retrieving the account number of the second user and transmitting an SMS authentication number to the terminal of the first user; And
Confirming an SMS authentication number returned from the terminal of the first user to perform security authentication for the terminal of the first user. In the financial service method using a user terminal,
Receiving a bill including a telephone number and a bill amount from the relay server;
Requesting a password for user authentication when a payee is designated to a phone number included in the bill and a transfer amount corresponding to the bill is input;
When the password is input, transmitting an SMS authentication number request message to the relay server storing the link information of the phone number and the account number;
Receiving an SMS authentication number from the relay server;
If the SMS authentication number is input, requesting security authentication for the user terminal by transmitting the input SMS authentication number to the relay server; And
When the security authentication for the user terminal is completed in the relay server, transmitting the first account transfer request message including the recipient's telephone number and the transfer amount to the relay server;
The relay server retrieves the account number of the payee using the linkage information, and transmits a second account transfer request message including the searched payee account number and the transfer amount to a financial server to transmit the second account transfer request message to the financial server. A banking service method for depositing the transfer amount into a recipient's account. The method of claim 10,
The payee is specified as a phone number retrieved from the phone book stored in the storage unit or a phone number directly input by the user. delete

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