KR20120100549A - Security method for financial transaction - Google Patents

Security method for financial transaction Download PDF

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Publication number
KR20120100549A
KR20120100549A KR1020110019528A KR20110019528A KR20120100549A KR 20120100549 A KR20120100549 A KR 20120100549A KR 1020110019528 A KR1020110019528 A KR 1020110019528A KR 20110019528 A KR20110019528 A KR 20110019528A KR 20120100549 A KR20120100549 A KR 20120100549A
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South Korea
Prior art keywords
payment
server
security
approval
card
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KR1020110019528A
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Korean (ko)
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허태열
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주식회사 인센트릭
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Priority to KR1020110019528A priority Critical patent/KR20120100549A/en
Publication of KR20120100549A publication Critical patent/KR20120100549A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a financial settlement security service method, the financial settlement security service method according to an aspect of the present invention, if payment approval is requested by the corresponding payment means, inquiring whether the payment approval lock is set to the mobile terminal of the user in real time. And if the inquiry result indicates that the payment approval lock is set, rejecting the payment approval of the corresponding payment means.
According to the present invention, by providing a security service that allows the third party to block the financial payment, such as card payment, or online account transfer without permission by using an application for financial payment security installed in a mobile terminal, such as a smart phone. The damages and accidents that can occur during financial settlement can be prevented.

Description

Financial payment security service method {SECURITY METHOD FOR FINANCIAL TRANSACTION}

The present invention relates to a financial settlement security service method, and more particularly, to a financial settlement security service method capable of providing a primary security service when performing a financial settlement such as card payment or online account transfer using a user terminal. will be.

A predetermined payment means is provided in a media including a card and / or an IC (Integrated Circuit) card and / or an IC chip mounted on or detached from a predetermined wireless terminal. Electronic payment system for payment processing using the payment means provided in the medium has been popularized.

The electronic payment system is a user-owned medium having at least one valid payment means (e.g. MS card, IC card, IC chip, etc.), and recognizes the medium and reads the valid payment means information from the medium is predefined It comprises a merchant payment terminal for performing a payment processing procedure, a payment server for approving the payment processing for the payment means, and a payment network connecting the payment terminal and the payment server.

Recently, hacking acts such as unauthorized payment by a third party by stealing card information registered on a card server and a bank transfer password registered on a bank server have emerged as a serious social problem.

Therefore, in order to solve this problem, it is necessary to provide additional security services such as identity verification during financial settlement on / offline.

The present invention, in order to solve the above-mentioned problems of the prior art, by using the user terminal, through the payment function lock settings of the registered card and bank account, online payment, such as online payment, online account transfer, etc. An object of the present invention is to provide a financial settlement security service method that can provide a secure service.

The object of the present invention is not limited to the above-mentioned object, and other objects that are not mentioned will be clearly understood by those skilled in the art from the following description.

Financial payment security service method according to an aspect of the present invention for achieving the above object, a financial payment security service system comprising a mobile terminal with a security application is installed, and a payment server that performs the overall processing for the payment request of the user of the payment means; In the payment server is performed.

Specifically, when a payment approval is requested by a corresponding payment method by a user, the payment server inquires whether the payment approval lock is set to the mobile terminal of the user in real time, and as a result of the check, when the payment approval lock is set, the corresponding payment method Declines payment authorization. If the payment approval of the payment method is rejected, the information on the rejection of the payment is transmitted to the normal user of the payment method.

As described above, according to the present invention, by using an application for financial settlement security installed in a mobile terminal such as a smart phone, a third party may block the financial settlement such as card payment or online account transfer without permission. Providing security services can prevent damages and accidents that may occur during financial settlements.

1 is a block diagram illustrating a configuration of a financial settlement security service system in which a financial settlement security service method is performed according to an embodiment of the present invention.
2 is an exemplary diagram illustrating an example of executing an application for security of financial settlement installed in a mobile terminal according to an embodiment of the present invention.
3 is a diagram illustrating a first form of a financial settlement security service method performed by a financial settlement server according to an embodiment of the present invention.
4 is a diagram illustrating a second form of a financial settlement security service method performed by a financial settlement server according to an embodiment of the present invention.
5 is a diagram illustrating a third form of a financial settlement security service method performed by a financial settlement server according to an embodiment of the present invention.
6 is a block diagram illustrating a configuration of a financial settlement security service system in which a financial settlement security service method is performed according to another embodiment of the present invention.
7 is a diagram illustrating a first form of financial settlement performed by a security server according to another embodiment of the present invention.
8 is a diagram illustrating a second form of a financial settlement security service method performed by a security server according to another embodiment of the present invention.
9 illustrates a third form of a financial settlement security service method performed by a security server according to another embodiment of the present invention.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various forms, and only the present embodiments are intended to complete the disclosure of the present invention, and the general knowledge in the art to which the present invention pertains. It is provided to fully convey the scope of the invention to those skilled in the art, and the present invention is defined only by the scope of the claims. It is to be understood that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used to refer to the same components even though they are shown in different drawings. 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.

A financial settlement security service system in which a financial settlement security service method according to an embodiment of the present invention is performed will be described with reference to FIG. 1. 1 is a block diagram illustrating a configuration of a financial settlement security service system in which a financial settlement security service method is performed according to an embodiment of the present invention.

Referring to FIG. 1, a financial settlement security service system in which a financial settlement security service method is performed according to an embodiment of the present invention includes a financial settlement server 10 and a normal user mobile terminal 20.

An application for performing the financial settlement security function is installed in the user mobile terminal 20. Hereinafter, an example of the financial settlement security service provided by the application will be described in detail with reference to FIG. 2 is an exemplary diagram illustrating an example of executing an application for security of financial settlement installed in a mobile terminal according to an embodiment of the present invention.

In order to use the financial settlement security service using the application, a payment means (for example, a payment means such as a general credit card, etc., meaning various payment media such as a debit card and a bank transfer) is registered. The process is necessary. Payment methods that are subject to registration are classified by category, such as card companies, banks, etc., card companies categories are sub-categories, such as credit cards and check cards, and representative credit cards and check cards may be preset. You can also add the payment method yourself.

Referring to the embodiment shown in Figure 2, if you want to receive the service for the credit card of the means of payment, the service registration application according to the present invention must precede the server 10 of the card company.

Subsequently, while the security application is executed in the user mobile terminal 20, the user starts the registration process by touching an add button with respect to the card possessed by the user, and the user touches the registration button and the card company company 10 If you enter the ID, password, and the like entered in the service registration application to the server, the ID, password and the identifier (eg, phone number) of the mobile terminal is transmitted to the financial settlement server 10.

Receiving this, the financial settlement server 10 performs user authentication with an ID and a password, and if it is confirmed that the user is a political user, stores the mobile terminal number in association with the corresponding ID and activates the financial settlement security service for the credit card. In the normal registration state, the user can select an On or Off button for deciding whether to approve payment of the credit card by using the security application of the mobile terminal. Approves the payment for the credit card, and off means not approving the payment for the credit card.

Subsequently, when a party user or a third party of the card pays the card, the financial settlement server 10 checks whether the financial settlement is set in the mobile terminal 20 using the mobile terminal number stored when the service is registered, and accordingly, Decide whether to approve payment by the card.

For example, when the user selects the Off button on the mobile terminal 20 and sets the financial settlement lock on the card, the financial settlement server 10 does not confirm the payment and approves the payment by the card. The user terminal 20 is “locked. Please turn off your smartphone and pay again. ”

Here, the mobile terminal 20 of the user includes a mobile terminal owned by the user and a mobile terminal designated and used in advance by the user, and registered in each financial settlement server 10.

Meanwhile, the financial settlement security service according to an embodiment of the present invention may be provided by the server 10 of the card company and the bank. Hereinafter, the method for preventing online account theft through the login lock setting performed by the financial settlement server 10 will be described. This will be described with reference to FIGS. 3 to 5. 3 is a diagram illustrating a first form of a financial settlement security service method performed by a financial settlement server according to an embodiment of the present invention, and FIG. 4 is a finance performed by a financial settlement server according to an embodiment of the present invention. 2 is a diagram illustrating a second form of the payment security service method, and FIG. 5 is a diagram illustrating a third form of the financial settlement security service method performed by the financial settlement server according to an embodiment of the present invention.

FIG. 3 illustrates a first form of a financial settlement security service method performed by the financial settlement server 10. In this specification, the financial settlement server 10 performs an overall process for a payment request by a credit card or a check card. It is used as a concept including a card company server to perform, a bank server that performs overall processing for online account transfer, etc., a securities company server that performs overall processing of securities trading business.

Hereinafter, the security service method provided by the financial settlement server 10 at the time of card payment will be described as an example for clarity. The security service method according to the present invention can be applied not only to the card settlement described below, but also to other various financial settlements such as bank transfer, securities trading business.

When the user makes a payment approval request to the card company server 10 through the card payment, the card company server 10 having received the payment approval request inquires whether the payment approval is locked to the mobile terminal 20 of the normal user of the card (S310). ).

The normal user of the card is a user who registers user information such as ID, password, social security number, phone number, email address, and messenger address in the database of the card company server. Registered information of the normal user of the card can be obtained by searching the database, and the mobile terminal 20 included in the registered information can be locked in real time through a wireless communication network such as a mobile communication network or a wireless Internet network. You can inquire.

The normal user of the card may select whether or not to set the payment approval lock of the card by a security application installed in the mobile terminal 20. Information regarding whether the payment approval lock set by the user is set by the card company server 10 in real time. Inquired as, transmitted from the mobile terminal 20 to the card company server 20, the card company server 20 determines whether to approve the card payment in accordance with the transmitted payment approval lock information (S320).

For example, if the result of the inquiry is the payment approval lock setting of the card, the card company server 10 does not approve payment by the card (S331), if the payment approval lock setting of the card is released. Approve payment by the card (S333).

If the card company server 10 rejects the payment approval of the card, the card company server 10 transmits the rejection information to the mobile terminal 20 of the normal user of the card through the mobile communication network and the wireless Internet network (S340). At this time, the card company server 20 may perform an accident processing process such as a card loss notification guidance to the normal user.

The card loss reporting guide may be notified to a mobile terminal, an e-mail, a messenger, etc. of a normal user included in user information registered in a database of the card company server 10 during the accident processing.

4 illustrates a second form of the financial settlement security service method performed by the card company server, and when a normal user of the card sets payment approval for the corresponding card registered in the application installed in the mobile terminal 20, Payment approval information for approving the payment by the card is transmitted from the mobile terminal 20 to the card company server 10, the payment approval information of the transmitted card is stored in the database of the card company server 10, or in the cache memory Temporarily stored (S410).

Here, the payment approval information is a predetermined time (for example, 30 seconds, 1 after the payment approval setting in the mobile terminal 20 or after the card company server 10 receives the payment approval information of the card). Minutes, etc.), it is preferable to include the information that the payment of the card is approved.

Of the two methods, in order to use the method of approving the payment of the card only for a predetermined time after the payment approval setting is set in the mobile terminal 20, the time of the payment approval setting in the mobile terminal 20. Information is preferably transmitted to the card company server 10.

Subsequently, when the user makes a payment using the card, the card company server 10 that received the payment request by the card receives the payment request of the card within a predetermined time range in which the payment of the card is approved. If it is determined whether or not (S420), and as a result of the determination, if the time when the payment request of the card is received is within a predetermined time range, the payment of the card is approved (S431). (S433).

If the payment authorization of the card is rejected (S433), the card company server 10 transmits the authorization rejection information to the normal user of the card (S440).

For example, if the payment approval is set at 11:05 for a specific card in the mobile terminal 20, the payment approval setting information of the card is provided with the time information that the payment approval is set at 11:05. The information is stored in the database of the card company server 10 or the like.

Thereafter, when the user requests a payment using the corresponding card at 11:05:20, the card company server 10 approves the payment by the corresponding card, and the time when the payment request is received is 11:05:40. If the card is denied payment authorization (if the predetermined time allowed for the payment authorization is 30 seconds), the authorization rejection information is transmitted to the normal user of the card.

FIG. 5 illustrates a third form of the financial settlement security service method performed by the card company server 10. The payment approval lock setting is performed for a corresponding card registered by an application installed on the mobile terminal by a normal user of the corresponding card. (off setting), payment approval lock information that the payment approval by the card is rejected is transmitted from the mobile terminal 20 to the card company server 10, and the payment approval lock information of the transmitted card is the card company server 10 ) Is stored in the database or temporarily stored in the cache memory (S510).

Then, when a normal user or a third party requests a payment using the card, the card company server 10 having received the payment request rejects the payment approval by the card (S520), and the mobile terminal of the normal user of the card (S520). In step 20), the mobile station and the wireless internet network through the approval rejection completion information is transmitted (S530). At this time, the card company server 20 can perform an accident processing process such as card loss report guidance to the normal user is the same as described above.

And if the normal user of the account releases the payment approval lock setting for the card in the application installed in the mobile terminal 20, the payment approval information that the payment by the card is approved card company server 10 in the mobile terminal 20 ) And the payment approval information is stored in the database or the cache memory of the card company server (10) (S540).

Thereafter, when a normal user or a third party requests a payment using the corresponding card, the card company server 10 having received the payment request approves the payment to the corresponding card (S550).

A financial settlement security service system in which a financial settlement security service method is performed according to another embodiment of the present invention will be described with reference to FIG. 6. 6 is a block diagram illustrating a configuration of a financial settlement security service system in which a financial settlement security service method is performed according to another embodiment of the present invention.

Referring to FIG. 6, the financial settlement security service system according to another embodiment of the present invention includes a card company server 10, a normal user mobile terminal 20, and a security server 30.

The financial settlement security service according to another embodiment of the present invention can be provided in conjunction with the card company server 10 and the security server 30, the following is the finance performed by the card company server 10 and the security server 30 A payment security service method will be described with reference to FIGS. 7 to 9. 7 is a diagram illustrating a first form of financial settlement performed by a security server according to another embodiment of the present invention, and FIG. 8 is a diagram of a financial settlement security service method performed by a security server according to another embodiment of the present invention. 9 is a diagram showing a second form, and FIG. 9 is a diagram showing a third form of a financial settlement security service method performed by a security server according to another embodiment of the present invention.

FIG. 7 illustrates a first form of a financial settlement security service method performed by a security server in association with a card company server. When a user requests a payment approval request to the card company server 10 through card payment, the card company receives a payment request. The server 10 requests the payment approval lock setting information of the card to the security server 30, and the security server 40 inquires whether the payment approval lock is to the normal user mobile terminal 20 of the card (S710). .

The normal user of the card is a user who registers user information such as ID, password, social security number, telephone number, email address, messenger address in the database of the card company server 10, and the security server 30 is linked with the card company server 20. User information can be shared. When the payment request is received by the card, the card company server 10 may search the database to obtain registered information of the normal user of the account, and request the payment approval lock setting information of the card to the security server 30. While transmitting the registered information together.

The security server 30 may query the mobile terminal 20 included in the registered information through a wireless communication network such as a mobile communication network and a wireless Internet network in real time.

The normal user of the card may select whether or not to set the payment approval lock of the card by an application installed in the mobile terminal 20. Information regarding whether the payment approval lock set by the user is queried, and the mobile terminal 20 The security server 30 is transmitted to the security server 30, and the security server 30 transmits the information on whether the payment approval lock is transmitted to the card company server 10 again (S720).

The card company server 10 determines whether to approve payment of the corresponding card requested for payment according to the information on whether the payment approval lock is transmitted.

For example, if the check result is the payment approval lock setting of the card, the card company server 10 rejects the payment by the card, and if the payment approval lock setting is released, approves the payment of the card. .

If the card company server 10 declines the payment of the card, the card company server 10 transmits the payment approval rejection information to the mobile terminal 20 of the normal user of the card through the mobile communication network and the wireless Internet network (S340). At this time, the card company server 10 may perform an accident processing process such as a card loss report guidance to the normal user.

In the accident process, the loss report guide may be notified to a mobile terminal, an e-mail, a messenger, etc. of a normal user included in user information registered in the database of the card company server 10.

FIG. 8 illustrates a second form of a financial settlement security service method performed by a security server in association with a card company server, and a normal user of a corresponding card sets payment approval for a corresponding card in an application installed in the mobile terminal 20. Referring to FIG. Then, the information for approving the payment by the card is transmitted from the mobile terminal 20 to the security server 30, and the transmitted payment approval information is transmitted to the card company server 10 via the security server 30 (S810). ).

Here, the payment approval information is a predetermined time (for example, 30 seconds, 1 after the payment approval setting in the mobile terminal 20 or after the card company server 10 receives the payment approval information of the card). Minutes, etc.), it is preferable to include the information that the payment of the card is approved.

Of the two methods, in order to use the method of approving the payment of the card only for a predetermined time after the payment approval setting is set in the mobile terminal 20, the time of the payment approval setting in the mobile terminal 20. Information is preferably transmitted to the card company server 10.

Subsequently, when the user makes a payment using the card, the card company server 10 receiving the payment request determines whether the time when the payment request for the card is received is within a predetermined time range during which the payment of the card is approved. If it is determined that the time when the payment request of the card is within the predetermined time range, the payment of the card is approved, otherwise, the payment of the card is declined, and the authorization rejection information is normal. Send to the user.

For example, if the payment authorization is set at 11:05 for the card in the mobile terminal 20, the payment authorization information of the card is stored together with the time information that the payment approval is set at 11:05. 30), and this information is transmitted to the card company server 10 via the security server 30.

Thereafter, when the user requests a payment with the corresponding card at 11:05:20, the card company server 10 approves the payment of the corresponding card, and if the time at which the payment request is received from the user is 11:05:40, Decline the payment of the card (if the predefined time allowed for login is 30 seconds).

FIG. 9 illustrates a third form of a financial settlement security service method performed by a security server in association with a card company server, and a normal user of a corresponding card is set to set a payment approval lock for a corresponding card in an application installed in the mobile terminal 20. Referring to FIG. In this case, payment approval lock information is transmitted from the mobile terminal 20 to the security server 30, and the payment approval lock information of the corresponding card is stored in the database of the security server 30 (S910).

Then, when the user requests a payment with the card, the card company server 10 that has received the payment request requests the payment approval lock setting information of the card to the security server 30, and the security server 30 is the card company server 10 In step S920, the payment approval lock information of the corresponding card is transmitted.

The card company server 10 having received the payment approval lock information rejects the payment approval of the card and transmits the rejection completion information to the mobile terminal 20 of the normal user of the card through the mobile communication network and the wireless Internet network. In this case, the card company server 10 may perform an accident processing process such as notifying the normal user of the loss report guidance, as described above.

When the normal user of the card releases the payment approval lock setting for the card in the application installed in the mobile terminal 20, the payment approval information for the card is transmitted from the mobile terminal 20 to the security server 40. The payment authorization information of the transmitted card is stored in the database of the security server 30 (S930).

Then, when the user requests a payment with the card, the card company server 10 that has received the payment request requests the payment approval lock setting information of the card to the security server 30, and the security server 30 is the card company server 10 In step S940, the payment authorization information of the corresponding card is transmitted.

And the card company server 10 that received the payment approval information of the card approves the payment of the card.

It will be understood by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description, and all changes or modifications derived from the scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

Claims (8)

A financial settlement security service method performed by a payment server that performs overall processing on a payment request of a user of a payment method.
If a payment approval is requested to the corresponding payment method, inquiring whether the payment approval lock is set to the mobile terminal of the user in real time; And
If the check result, the payment approval lock is set, refusing the payment approval of the payment method;
Financial payment security service method performed by the payment server comprising a. The method of claim 1,
If the payment approval of the payment method is rejected, transmitting the approval rejection completion information to the normal user of the payment method;
Financial payment security service method performed by the payment server further comprising. A financial settlement security service method performed by a payment server that performs overall processing on a payment request of a user of a payment method.
When the payment approval setting of a specific payment method is set in the security application in the mobile terminal, receiving and storing payment approval information of the corresponding payment method from the mobile terminal;
If a payment is requested to the payment method, determining whether a time at which the payment request of the payment method is received is within a predetermined time range in which payment of the payment method is approved; And
As a result of the determination, if the time when the payment request of the payment method is received is within the predetermined time range, approving the payment of the payment method;
Financial payment security service method performed by the payment server comprising a. The method of claim 3,
Rejecting the payment approval of the payment means when the time when the payment request of the payment means is received is outside the predefined time range as a result of the determination; And
If the payment approval is declined, transmitting the approval declined completion information to the normal user of the corresponding payment method.
Financial payment security service method performed by the payment server further comprising. A financial settlement security service method performed by a payment server that performs overall processing on a payment request of a user of a payment method.
When the payment approval lock setting of the payment means is set in the security application in the mobile terminal, receiving and storing payment approval lock information of the payment means from the mobile terminal;
If a payment is requested to a corresponding payment method, inquiring whether payment approval lock information is stored for the payment method; And
As a result of the inquiry, if the payment lock information is present, refusing the payment approval of the payment method;
Financial payment security service method performed by the payment server comprising a. The security server in the financial settlement security service system including a payment server that performs the overall processing for the payment request of the user of the payment means, and a security server that blocks a service provided to a third party who accesses the server by stealing user information. As a way to do this,
Receiving a request for payment approval lock setting information from the payment server when a payment approval is requested to a corresponding payment method from the payment server;
Inquiring whether the payment approval lock is set to the mobile terminal of the user; And
Transmitting the inquiry payment approval lock setting information to the payment server;
Financial payment security service method performed by a security server comprising a. The security server in the financial settlement security service system including a payment server that performs the overall processing for the payment request of the user of the payment means, and a security server that blocks a service provided to a third party who accesses the server by stealing user information. As a way to do this,
When the payment approval setting of a specific payment means is set in the security application in the mobile terminal, receiving payment approval information of the payment means from the mobile terminal and transmitting the payment approval information to the payment server.
Financial payment security service method performed by a security server comprising a. The security server in the financial settlement security service system including a payment server that performs the overall processing for the payment request of the user of the payment means, and a security server that blocks a service provided to a third party who accesses the server by stealing user information. As a way to do this,
When the payment approval lock setting of the payment means is set in the security application in the mobile terminal, receiving and storing payment approval lock information of the payment means from the mobile terminal;
Receiving a request for payment approval lock setting information from the payment server when a payment is requested to a corresponding payment method; And
Transmitting the stored payment approval lock information to the payment server.
Financial payment security service method performed by a security server comprising a.
KR1020110019528A 2011-03-04 2011-03-04 Security method for financial transaction KR20120100549A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222169A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method for approving payment made using smart card, card company server executing same, and smart card
KR20230080010A (en) * 2021-11-29 2023-06-07 한국정보통신주식회사 A metaverse system payment service device providing location-based secure payment mode and method of operating it

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222169A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method for approving payment made using smart card, card company server executing same, and smart card
KR20230080010A (en) * 2021-11-29 2023-06-07 한국정보통신주식회사 A metaverse system payment service device providing location-based secure payment mode and method of operating it

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