KR20150001509A - Method and aparatus for providing safe suspending service of electronic banking - Google Patents

Method and aparatus for providing safe suspending service of electronic banking Download PDF

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Publication number
KR20150001509A
KR20150001509A KR20130074866A KR20130074866A KR20150001509A KR 20150001509 A KR20150001509 A KR 20150001509A KR 20130074866 A KR20130074866 A KR 20130074866A KR 20130074866 A KR20130074866 A KR 20130074866A KR 20150001509 A KR20150001509 A KR 20150001509A
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KR
South Korea
Prior art keywords
stop
service
user
target service
receiving
Prior art date
Application number
KR20130074866A
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Korean (ko)
Inventor
김현정
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주식회사 우리은행
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Publication date
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Priority to KR20130074866A priority Critical patent/KR20150001509A/en
Publication of KR20150001509A publication Critical patent/KR20150001509A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a method and a device for providing an electronic banking safe suspension service. The method for providing an electronic banking safe suspension service according to the present invention comprises the steps of: receiving a suspension target service from a user; receiving a suspension time of the suspension target service from the user; receiving a suspension period of the suspension target service from the user; receiving a limit range of the suspension target service from the user; and suspending an electronic banking service of the user according to the suspension target service, the suspension time, the suspension period, and the limit range. The method and the device of the present invention can remove diverse financial fraud through financial banking and customer′s increasing concerns about financial banking security accidents by suspending the electronic banking service of the user when necessary.

Description

METHOD AND APPARATUS FOR PROVIDING SAFE SUSPENDING SERVICE OF ELECTRONIC BANKING BACKGROUND OF THE INVENTION [0001]

The present invention relates to a method and an apparatus for providing an electronic financial security stop service.

With the development of communication networks including the Internet and the development of automation equipment, related financial fraud using the Internet has been rapidly increasing worldwide. In particular, Korea is one of the few IT powerhouses with online bank account transfer infrastructure among banks, and the case of financial fraud using this has been diversified with the development of the nationwide personal identification system such as resident registration number.

For example, in 2008, the amount of damage caused by voice phishing was estimated to be 977 won by using various methods such as stealing an individual's ID, transferring money to a cannon bank account, withdrawing money, or inducing money to be deposited into a cannon bank account through voice phishing. The amount of financial fraud that is worth up to 100 million won is becoming increasingly sophisticated and intelligent. The damage caused by such financial fraud has become a serious social problem as it causes financial loss both in terms of time and money not only to individuals but also to banks and electronic financial service providers.

The related technology to prevent financial fraud is used for financial fraud. When it is connected with the reported IP, it blocks the Internet banking service. Therefore, there is a limit to prevent the complicated and intelligent financial fraud.

Therefore, there is a growing need to introduce a system to prevent fraud, which deals with financial fraud in various ways and takes measures in real time.

The present invention aims to provide a method and an apparatus for providing an electronic financial assurance service capable of eliminating a fear of financial fraud through an increasingly diverse electronic finance and an increasing concern of an electronic financial security accident of a customer.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description and more clearly understood by the embodiments of the present invention. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to another aspect of the present invention, there is provided a method for providing an electronic financial assurance stop service, including: receiving a stop target service from a user; inputting a stop time of the stop target service from the user; The method comprising the steps of: receiving a stop period of a stop target service; inputting a stop range of the stop target service from the user; and stopping the electronic service of the user according to the stop target service, And stopping the operation.

In addition, the present invention provides an apparatus for providing an electronic financial assurance stop service, comprising: an input unit for receiving a stop target service, a stop time of the stop target service, a stop period of the stop target service, And stopping the electronic financial service of the user according to the stop target service, the stop time, the stop period, and the restriction range.

According to the present invention as described above, it is possible to eliminate concerns about financial fraud through electronic financing, which is becoming more and more diverse, and electronic financial security accidents that are increasing accordingly.

Brief Description of the Drawings Fig. 1 is a diagram for explaining an operation of an electronic bank safe stop service providing apparatus according to an embodiment of the present invention; Fig.
FIG. 2 is a view illustrating an electronic financial settlement service provided on a terminal screen of a user according to an embodiment of the present invention; FIG.
3 is a flowchart of a method for providing an electronic financial assurance stop service according to an embodiment of the present invention.

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to denote the same or similar elements.

FIG. 1 is a view for explaining the operation of an electronic financial security stop service providing apparatus according to an embodiment of the present invention.

Referring to FIG. 1, an apparatus 104 for providing an electronic financial assurance stop service according to an embodiment of the present invention provides an electronic financial assurance stop service to a user through a user terminal 102. Here, the user terminal 102 is a device such as a computer, a smart phone, or a tablet, which allows a user to access a server of a financial institution through a wire / wireless network to perform an electronic financial service.

Referring to FIG. 1, an apparatus for providing an electronic bank safe stop service 104 according to an embodiment of the present invention includes an input unit 106 and a control unit 108. First, the input unit 106 receives the stop target service, the stop time of the stop target service, the stop period of the stop target service, and the limit range of the stop target service from the user. Here, the stop target service received by the input unit 106 includes at least one of Internet banking and smart banking. Internet banking refers to electronic financial services through computers, and smart banking refers to electronic financial services through smartphones.

Also, the stopping time to which the input unit 106 is input includes a predetermined weakening time and a designated time designated by the user. When receiving the stop period of the stop target service from the user, the input unit 106 can receive start and end dates of the stop period. The restriction range to which the input unit 106 is input includes all transactions and specific transactions predetermined in advance.

FIG. 2 illustrates an electronic financial security stop service screen provided on a terminal screen of a user according to an exemplary embodiment of the present invention. 1 can display the service screen 202 as shown in FIG. 2 on the screen of the user terminal 102 through the wired / wireless network.

2, the service screen 202 includes a stop target service input field 204, a stop time input field 206, a stop period input field 208, and a limited range input field 210. First, the user inputs an electronic financial service to be stopped through the stop target service input field 204. The user can only stop Internet banking (open banking), stop only smart banking, or stop both Internet banking and smart banking as needed.

In addition, the user can input a time for stopping the electronic financial service selected by the user through the stop time input field 206. When the user selects "Unspecified ", the electronic financial service is stopped for a predetermined time (for example, 24 hours) by the financial institution. If the user selects "Specify ", the user can select a" vulnerable time "(e.g., 22:00 to 08:00) predetermined by the financial institution. In addition, the user can select the "designated time" if he or she wishes to directly set the service stop time. In this case, a time input field (not shown) for directly inputting the stop time may be additionally displayed on the service screen 202.

Also, the user can input a period for stopping the electronic financial service selected by the user through the stop period input field 208. When the user selects "Unspecified ", the electronic financial service is stopped for a predetermined period (for example, daily) by the financial institution. If the user selects "designation ", the user can directly set the service stop period, and at this time, a period field (not shown) for directly inputting the stop period may additionally appear on the service screen 202 .

On the other hand, the user can set the limit range of the electronic financial service selected by himself / herself through the limited range input field 210. If the user chooses "not all transactions", all transactions available with Internet banking or smart banking will be suspended and only certain transactions predefined by the financial institution, such as "view only" may be suspended.

After inputting the stop target service, stopping time of stop target service, stop period of stop target service, and restriction range of stop target service, the user clicks service registration menu 212 to display the electronic bank safe stop service, And can be stored in the financial assurance stop service providing device 104. In addition, the user can check the details of the electronic trust safe stop service stored by himself / herself by pressing the service inquiry menu 214 or cancel the electronic trust safe stop service currently being executed through the service cancel menu 216. [

When the user requests the electronic financial assurance stop service through the above process, the control unit 108 of the electronic financial assurance stop service provision apparatus 104 receives the stop target service, the stop time of the stop target service, Terminate the electronic financial service of the user according to the restriction range of the service to be suspended and the service to be stopped.

3 is a flowchart of a method for providing an electronic financial assurance stop service according to an embodiment of the present invention.

First, the user receives a stop target service from the user (402). Then, the stop time 404 of the stop target service, the stop period 406, and the limit range 408 are input from the user. Then, the electronic financial service of the user is stopped according to the stop target service, stop time of the stop target service, stop period of the stop target service, and restriction range of the stop target service (410).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, But the present invention is not limited thereto.

Claims (10)

A method for providing an electronic financial assurance stop service,
Receiving a stop target service from a user;
Receiving a stop time of the stop target service from the user;
Receiving a stop period of the stop target service from the user;
Receiving a restriction range of the stop target service from the user; And
Stopping the electronic financial service of the user according to the stop target service, the stop time, the stop period, and the restriction range
A method of providing a secure stop service including electronic finance.
The method according to claim 1,
The stop target service
Including at least one of Internet banking and smart banking
How to provide e - finance relief service.
The method according to claim 1,
The stopping time is
A predetermined time of vulnerability and a designated time designated by the user
How to provide e - finance relief service.
The method according to claim 1,
The step of receiving the stop period of the stop target service from the user
Receiving a start date and an end date of the stop period from the user;
How to provide e - finance relief service.
The method according to claim 1,
The limit range
Include all transactions and certain predefined transactions
How to provide e - finance relief service.
An apparatus for providing an electronic bank safe stop service,
An input unit for receiving a stop target service from a user, a stop time of the stop target service, a stop period of the stop target service, and a stop range of the stop target service; And
Stopping the electronic financial service of the user according to the stop target service, the stop time, the stop period, and the limit range
Electronic financial assurance service.
The method according to claim 6,
The stop target service
Including at least one of Internet banking and smart banking
Electronic financial safety stop service provision device.
The method according to claim 6,
The stopping time is
A predetermined time of vulnerability and a designated time designated by the user
Electronic financial safety stop service provision device.
The method according to claim 6,
The input unit
Receiving a start date and an end date of the stop period from the user
Electronic financial safety stop service provision device.
The method according to claim 6,
The limit range
Include all transactions and certain predefined transactions
Electronic financial safety stop service provision device.
KR20130074866A 2013-06-27 2013-06-27 Method and aparatus for providing safe suspending service of electronic banking KR20150001509A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR20130074866A KR20150001509A (en) 2013-06-27 2013-06-27 Method and aparatus for providing safe suspending service of electronic banking

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR20130074866A KR20150001509A (en) 2013-06-27 2013-06-27 Method and aparatus for providing safe suspending service of electronic banking

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KR20150001509A true KR20150001509A (en) 2015-01-06

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222177A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method for providing card company integrated approval proxy service, and card company server performing same

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222177A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method for providing card company integrated approval proxy service, and card company server performing same

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