Patent KR-20130047338-A (KR)
Title: Remittance method and service system using name and phone number of payee
Inventor: LEE SANG KYU
IPC: G06Q40/02
Filed: 2011-10-31
Abstract: PURPOSE: A remittance method using only the name and mobile phone number of a payee and a remittance service system thereof are provided to allow a remitter or payee to remit or receive money regardless of membership registration of a payee without constraints of time of declaration of intention by the opposite. CONSTITUTION: A remitter who is a registered member logs on to a web server(11) as a member for remitting money(S1000). The web server is inputted with the name of a payee, the mobile phone number of the payee, and the amount of money to be remitted by the remitter(S1100), and requests a main server(12) to remit the amount of remittance(S1200). The main server requests an ARS server(13) to send an ARS call, which asks an password for remittance, to the remitter using the mobile phone number of the remitter(S1300), and then the ARS server forwards the request for the password input to the mobile phone number of the remitter(S1400). The ARS server is inputted with the password for remittance by the mobile phone of the remitter(S1500), encrypts the password, and transmits the encrypted password to the main server. The main server determines whether the password is identical to the password for remittance registered when the remitter joined to the membership(S1600). If the passwords are identical to each other, the main server request a financial company server to withdraw the amount of remittance(S1700). Then the financial company server withdraws the amount of remittance from an account of the remitter(S1800) and transmits the result of withdrawal to the main server(S1900). The main server checks whether the payee is a registered member(S2000). If the payee is a registered member, the main server requests the financial server to transfer the amount of remittance which is deferred in a parent account of the financial company to a receivable account of the payee(S2100). The financial company server transfers the amount of remittance to the receivable account(S2200) and then transmits the result of transfer to the main server(S2300). The main server sends a text message about the result of transfer to the mobile phone number of the remitter(S2400). [Reference numerals] (11) Web server; (12) Main server; (13) ARS server; (AA) Member(remitter); (BB) Remittee; (CC) Bank/stock; (S1000) Log in; (S1100) Input the name and mobile phone number of a remittee and the amount of remittance; (S1200) Request remittance; (S1300) Request a remittance confirmation call; (S1400) Request input of a remittance password to the mobile phone of the remittee; (S1500) Input the remittance password; (S1600) Confirm the remittance password; (S1700) Request withdrawal of remittance money; (S1800) Withdraw the remittance money to a parent account; (S1900) Withdrawal result; (S2000) Check whether the remittee is a registered member; (S2100) Request transfer of the remittance money from the parent account; (S2200) Transfer the remittance money of the parent account to a remittee account; (S2300) Transfer result; (S2400) Text message of the transfer result