System And Method For Transferring Money Based On Approval Of Transfer Request Transmitted From Receiver To Sender
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Accused Products
Abstract
A money transfer system transfers money based on approval of a sender for a transfer request transmitted from a receiver. This system includes a receiver terminal for transferring transfer request information including receiving information and sending information; a bank server for extracting the sending information from the transfer request information to guide the transfer request information to a sender, and transferring an amount of money from a payment account of the sender to a deposit account when the sender checks the transfer request information and approves the money transfer; and a sender terminal for accessing the bank server to receive and display the transfer request information, and transmitting an approval for the money transfer to the deposit account. The sender determines whether or not to transfer money by checking the transfer request of the receiver, thereby reducing time taken for the money transfer process and enhancing accuracy and safety.
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Citations
42 Claims
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1-18. -18. (canceled)
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19. A money transfer system for transferring money based on approval of a sender for a transfer request transmitted from a receiver on on-line banking (including Internet banking, phone banking, ATM (Automatic Teller Machine) banking and mobile banking), the system comprising:
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a receiver terminal for transferring transfer request information including receiving information and sending information; a bank server for extracting the sending information from the transfer request information transmitted from the receiver terminal to guide the transfer request information to a corresponding sender, and transferring a predetermined amount of money from a payment account of the sender to a deposit account of the receiving information when the sender checks the transfer request information and approves the money transfer; and a sender terminal for accessing the bank server to receive and display the transfer request information of the receiver, and transmitting an approval for the money transfer to the deposit account of the receiver included in the transfer request information. - View Dependent Claims (20, 21, 22, 23)
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24. A money transfer system for transferring money based on approval of a sender for a transfer request transmitted from the receiver on on-line banking (including Internet banking, phone banking, ATM banking and mobile banking), the system comprising:
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a receiver terminal for transferring transfer request information including receiving information and sending information; a transfer request mediating server for guiding a receiver to join as a member, and extracting the sending information from the transfer request information transmitted from the receiver terminal logged in and mediating so that the transfer request information is transmitted to a payment bank of a corresponding sender; a bank server for extracting the sending information from the transfer request information transmitted from the transfer request mediating server to guide the transfer request information to the corresponding sender, and transferring a predetermined amount of money from a payment account of the sender to a deposit account of the receiving information when the sender checks the transfer request information and approves the money transfer; and a sender terminal for accessing the bank server to receive and display the transfer request information of the receiver, and transmitting an approval for the money transfer to the deposit account of the receiver included in the transfer request information. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31)
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32. A money transfer method for transferring money based on approval of a sender for a transfer request transmitted from a receiver on on-line banking (including Internet banking, phone banking, ATM banking and mobile banking), the method comprising:
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(S11) a bank server receiving transfer request information including receiving information and sending information from a receiver terminal and storing the transfer request information in a transfer request information DB; (S12) the bank server generating a peculiar number based on inquiry of validity of the transfer request information, and transmitting the peculiar number to the receiver terminal; (S13) a sender terminal inquiring the transfer request information DB using all account numbers possessed by a sender when accessing the bank server so that details of the transfer request information are transmitted thereto; and (S14) transmitting a predetermined amount of money from a payment account of the sender to a deposit account of the receiving information the sender terminal in case the sender terminal selects and approves at least one transfer request. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39)
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40. A money transfer method for transferring money based on approval of a sender for a transfer request transmitted from a receiver on on-line banking (including Internet banking, phone banking, ATM banking and mobile banking), the method comprising:
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(S21) a transfer request mediating server processing a member subscription request from the receiver terminal, and storing member information and at least one receiver account information in a member information DB; (S22) the transfer request mediating server receiving transfer request information including receiving information and sending information from a logged-in receiver terminal, and storing the transfer request information in a transfer request information DB; (S23) extracting the sending information from the transfer request information, and transmitting the transfer request information to a bank server of a corresponding sender; (S24) receiving a peculiar number from the bank server, and informing the peculiar number to the receiver terminal as a result of transfer request registration; (S25) the bank server guiding the transfer request information to an accessed sender terminal to transfer money from the sender; and (S26) receiving a money transfer completion result for a specific peculiar number from the bank server, storing the completion result in the transfer request information DB, and informing the receiver terminal of the completion result. - View Dependent Claims (41, 42)
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Specification