KR20070045433A - Bank transfer service method using short-range wireless communication interface - Google Patents

Abstract

In the method for transferring money using a short range wireless communication interface according to the present invention, a remitter mobile communication terminal receives account information data from a mobile communication terminal of a remitter and a remitter mobile communication terminal in a short distance. Sending the received account information data, the remitter's identification code and the amount to be transferred to the account transfer server to request a bank transfer service; and a bank specified based on the remitter's identification code according to the request for the transfer service. Requesting a transfer from the account to the bank account specified based on the account information data; transferring the amount to the bank account specified based on the account information data according to the transfer request; and when the transfer is completed, the transfer Success of transfers, including transaction data And transmitting the data on the money transfer server to the money transfer mobile terminal based on the account information data according to the receipt of the data on whether the transfer is successful.

Mobile terminal, infrared communication, account transfer

Description

Account transfer service using near field communication interface {METHOD FOR TRANSFERRING AN ACCOUNT USING A LOCAL WIRELESS COMMUNICATION INTERFACE}

1 is a block diagram showing an overall network configuration of a method for transferring money using a short-range communication interface of a mobile communication terminal according to an embodiment of the present invention.

2 is a flowchart illustrating a bank transfer service process using a short range wireless communication interface of a mobile communication terminal according to the present invention.

<Description of the code | symbol about the principal part of drawing>

100: remitter mobile communication terminal 102: remitter mobile communication terminal

104: mobile communication network 106: account transfer server

108: Bank Joint Network 110: Financial Payment Server

112/1, 112/2: primary computer server

The present invention relates to an account transfer method, and more particularly, to an account transfer service method using short-range wireless communication between mobile communication terminals.

Conventional account transfer method can automatically transfer the account using a communication medium, for example, a telephone, a PC, etc. without visiting the bank directly, for example, a method for transferring the account using a telephone, for example When the call is connected to the account transfer server using the phone number, when the call is connected, the bank's trader enters his or her bank account number or social security number as well as the amount to be transferred according to the voice message output from the bank. There is a hassle of having to input the account number of the recipient of the transfer amount.

On the other hand, in recent years, as the mobile communication terminal is widely spread, it is possible to transfer the account using the mobile communication terminal. This method uses an infrared communication between the mobile communication terminal issued a predetermined chip from the bank and the CD / ATM device of the bank. After inputting the other party's account number and the remittance amount, the bank transfer can be performed through a predetermined authentication procedure.

However, the method of account transfer through infrared communication between the CD / ATM device of the bank and the mobile communication terminal is not only to visit the CD / ATM device of the bank, but also has to be aware of the other party's account number.

An object of the present invention is to solve the problems of the prior art, by receiving information necessary for the transfer of money, such as account number, bank name, etc. of the recipient using a short-range communication interface, by using this to perform the transfer of money, It is an object of the present invention to provide an account transfer service method using a short range wireless communication interface capable of immediately performing an account transfer without inputting an account number of a person.

In order to achieve the above object, the present invention provides a method for transferring an account using an account transfer server in which at least one bank account of a service subscriber is registered and interworked with a mobile communication network. Receiving, by the sender's mobile communication terminal, account information data from a mobile communication terminal of a mobile communication terminal and a recipient's mobile terminal in a short distance; and b) receiving the received account information data, the identification code of the remitter and the amount of money to be transferred. Requesting an account transfer service by transmitting to the account transfer server; and c) from a bank account specified on the basis of the remitter's identification code to the bank account specified on the basis of the account information data in response to the transfer request. Requesting a transfer of the amount; d) subjecting the transfer request to Transferring the amount to the bank account specified on the basis of the account information data; and e) transmitting data on whether the transfer is successful, including the transfer transaction data, to the account transfer server when the transfer is completed. And f) transmitting the result of the transfer to the beneficiary mobile communication terminal based on the account information data upon receipt of the data on whether the transfer is successful.

Hereinafter, exemplary embodiments will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing the overall network configuration of a wire transfer service method using a short-range communication interface of a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 1, the entire network configuration includes a remitter and a receiver mobile communication terminal 100, 102, a mobile communication network 104, and a transfer account server 106 having a near field communication interface registered therein. , The bank common network 108, the financial settlement server 110 connected with the bank common network 108, and the main computer servers 112/1,..., 112 / n of each bank.

The remitter mobile communication terminal 100 communicates with the beneficiary mobile communication terminal 102 using a short range communication interface, for example, an infrared communication interface or Bluetooth, and particularly, a short range communication interface for a wire transfer service. Receive the account information data of the collector.

The remitter mobile communication terminal 100 connects to the account transfer server 106 through the mobile communication network 104 and requests an account transfer service based on the account information data received through the local area communication interface, and the account transfer server 106. In response to the request of the sender mobile communication terminal 100, the bank transfer request is made to the financial settlement server 110 using the account information data and the bank account name and the transfer amount received from the sender mobile communication terminal 100. .

Accordingly, the financial settlement server 110 performs an account transfer service using the main computer servers 112/1, ... 112 / n of each bank based on the account information data and the bank account name.

2 is a flowchart illustrating an account transfer service process using a short-range communication interface of a mobile communication terminal according to the present invention.

First, the collector and the remitter apply for subscription to the mobile communication operator operating the bank transfer server 106, wherein the remitter and the recipient are the personal information required by the mobile operator, for example, the name and the mobile terminal. The telephone number of the bank, the transaction bank account number, and if necessary, the account's password, etc. will be provided to the bank transfer server 106. Accordingly, the bank transfer server 106 transfers the remitter's and collector's personal information in the form of subscription information. It is stored and managed in a database.

First, it is assumed that the case of the transfer of funds to the remitter and the recipient in the short distance for explaining the method of the account transfer service using the short-range communication interface of the mobile communication terminal according to the present invention. In other words, the sender will be described as an example in which the remitter transfers a predetermined amount to the receiver in other urgent situations such as a traffic accident.

To this end, first, the remitter and the receiver collect the short-range communication interface of their mobile communication terminals 100 and 102 to enable data communication between their mobile communication terminals 100 and 102 (S200).

Then, as the receiver mobile communication terminal 102 transmits the account information data to the sender mobile communication terminal 100 using the near field communication interface, the sender mobile communication terminal 100 stores the account information data in a memory (not shown). Omitted) (S202).

Here, the account information data is data previously stored in the memory of the collector mobile communication terminal 102 or data created by the collector, and includes the bank name of the collector, the account number, and the telephone number of the receiver mobile communication terminal 102. Doing.

Accordingly, the remitter dials a special telephone number assigned to the bank transfer server 106, for example, '* 1110', to transfer the predetermined amount to the payer, and the dial button provided in the sender mobile communication terminal 100. You will be asked to make a call using the input box.

At this time, since the sender mobile communication terminal 100 has a pre-stored unique identification code (ESN: Electronic Serial Number), when the telephone number of the input destination is transmitted to the mobile communication network 104 through a nearby base station, remittance The unique identification code of the remitter mobile communication terminal 100 previously stored in the mobile communication terminal 100 is also transmitted.

The base station receiving the call connection request data from the sender mobile communication terminal 100 transmits the call destination request destination data to the connected exchange, and the exchange control center connected to the exchange receives the sender mobile communication terminal 100. Check the validity of the user from the unique identification code of the user, and if the user is a legitimate user, request a call using the telephone number of the corresponding destination received when the call is requested, and connect the call between the sender mobile communication terminal 100 and the bank transfer server 106. This is done (S204).

When a call connection is made with the bank transfer server 106, the remitter mobile communication terminal 100 transmits the account information data received from the payee mobile communication terminal 102 to the account transfer server 106 to provide the account transfer service. Request (S206).

Accordingly, the account transfer server 106 compares the telephone number of the payee mobile communication terminal 102 and the sender's unique identification code with information in the database in the account information data transmitted from the sender mobile communication terminal 100. As a result of the comparison, when the telephone number of the payee mobile communication terminal 102 and the unique identification code of the sender exist in the database, it is confirmed that the sender and the payee are registered subscribers.

Thereafter, the account transfer server 106 searches the database based on the unique identification code of the sender to determine whether there are two or more bank accounts of the sender (S208, S210).

As a result of the determination in step S210, when only one remitter's bank account is registered in the database, the account transfer server 106 moves the remitter to an interface for inputting information for account transfer, that is, a transfer amount and a password of the bank account. If the password and the transfer amount are provided after the communication terminal 100 is input, the recipient bank account number among the password, transfer amount, bank account and account information data is transmitted to the financial settlement server 110 (S212).

The financial settlement server 110 that has received a request for bank transfer checks the bank of the sender from the bank account of the remitter provided from the bank transfer server 106, and checks the main computer server 112/1 of the corresponding bank. By providing the remitter account number, the password of the account, the transfer amount, and the remitter bank account number received from the bank transfer server 106, the bank transfer request is requested (S214).

Therefore, the bank note computer server 112/1 compares the previously registered password with the received remitter's account password in association with the received remitter's account number. It is confirmed whether the remaining balance exists.

If there is a balance over the transfer amount in the remitter account, the bank's main computing server 112/1 withdraws the requested transfer amount from the account, and sends the details to the financial settlement server 110 to finance the transfer. The payment server 110 requests a deposit to the collector's bank account computer server 112/2 together with the bank account number and the deposit amount of the collector to deposit the amount according to the withdrawal details (S216).

When the bank transfer is completed according to this procedure, the financial settlement server 110 configures the transfer transaction history data from the data of the remitter account number of the remitter account number, the transfer amount, and the transfer amount, and transfers it to the account transfer server 106. Will be sent to.

The account transfer server 106 transmits the transfer transaction history data to the sender or the receiver's mobile communication terminals 100 and 102 in the form of an SMS message (S218).

As a result of the determination in step S210, when more than one bank account of the remitter is registered in the database, the account transfer server 106 displays the remitter's bank accounts registered in the database on the remitter mobile communication terminal 100 and then makes a selection. Wait (S220).

When the remitter selects any one of the bank accounts displayed on his mobile terminal 100 (S222), the account transfer server 106 proceeds to step S212 to perform the subsequent step.

According to the present invention, by receiving the information necessary for the transfer, such as the account number, bank name, etc. of the depositor using the short-range communication interface, and performing the account transfer using this, immediately transfer the account without entering the account number of the depositor can do.

The present invention is not limited to the above-described specific preferred embodiments, and various modifications can be made by any person having ordinary skill in the art without departing from the gist of the present invention claimed in the claims. Of course, such changes will fall within the scope of the claims.

As described above, the present invention receives the information necessary for the transfer, such as the account number, the bank name, etc. of the collector using a short-range communication interface, and performs the transfer using the account, thereby transferring the account without entering the account number of the collector Can be implemented immediately to enhance user convenience.

Claims (7)

As one or more bank accounts of a subscriber of a service, the account transfer method using an account transfer server linked with a mobile communication network, a) receiving, by the remitter's mobile communication terminal, account information data from a mobile communication terminal of a sender subscribed to the account transfer server and a recipient's mobile communication terminal in a short distance; b) requesting an account transfer service by transmitting the received account information data, the identification code of the remitter and the amount to be transferred to the account transfer server; c) requesting the transfer of the amount from the bank account specified based on the remitter's identification code to the bank account specified based on the account information data in accordance with the request for bank transfer service; d) transferring the amount to a bank account specified based on the account information data in accordance with the transfer request; e) when the transfer of the amount is completed, transmitting data on whether the transfer is successful, including the transfer transaction data to the account transfer server; f) transmitting the data transfer result data to the payee mobile terminal based on the account information data upon receipt of the data on whether the transfer was successful; Bank transfer service method using a short-range wireless communication interface comprising a. The method of claim 1, The short range communication interface is an infrared communication interface or a Bluetooth wire transfer service method using a short range wireless communication interface, characterized in that. The method of claim 1, And the remitter identification code is a telephone number of the remitter mobile communication terminal which is automatically sent according to the call connection through the mobile communication network of the remitter mobile communication terminal. The method of claim 1, The account information data transmitted to the remitter mobile communication terminal, the bank name, the account number and the telephone number of the receiver mobile communication terminal, characterized in that the wire transfer service method using a short-range wireless communication interface. The method of claim 1, The method may further include notifying the remitter mobile communication terminal based on the remitter identification code through a mobile communication network according to the receipt of the data on whether the transfer is successful. Account transfer service method using communication interface. The method of claim 1, In the step b, when there are a plurality of bank accounts corresponding to the identification code of the remitter, the account using the short-range wireless communication interface, characterized in that the guidance and the transfer request by specifying the remittance account by selection of the remitter Transfer Service Method. The method of claim 6, Step b, Displaying a plurality of bank accounts corresponding to the identification code of the remitter on the sender's mobile communication terminal through the mobile communication network; Requesting an account transfer service to the selected bank account according to the selection of any one of the plurality of bank accounts; Bank transfer service method using a short-range wireless communication interface comprising a.

Images