Customized financial processing system using sub-authentication, and method therefor

Abstract

The present invention relates to a customized financial process system using sub-authentication and a method therefor, the method comprising the steps of: pre-registering authentication information about a remittee; performing remittance processing after the authenticity of the remittee is proven when a remittance is requested; if an acquaintance of a remitter is additionally registered as a sub-authenticator, executing remittance processing when a consent of the acquaintance and the authentication of the remittee are simultaneously performed; and performing additional complex authentication for a low-grade rated account having a high probability of being a counterfeit deposit bank passbook, by assigning a rating in advance according to account opening and usage information of the remitteeand executing authentication through different authentication options by the rating.

Description

technical field [0001] The present invention relates to a customized financial processing system through sub-authentication and a financial processing method thereof, and in more detail, relates to a customized financial processing system through sub-authentication and a financial processing method thereof by pre-registering authentication information related to a payee , when a remittance is requested, the remittance process is performed after authenticating the authenticity of the corresponding payee. When proceeding, transfer processing is performed. Background technique [0002] As we all know, recently, information communication technology has developed rapidly, and in particular, large-capacity high-speed data transmission technology has rapidly developed centering on mobile communication. [0003] Therefore, a considerable part of various financial transactions are carried out using desktop computers or mobile phones, and using technology that allows financial transa...

AI Technical Summary

Problems solved by technology

[0008] Although this technology is also effective, there is actually a fundamental problem with the system used by current financial institutions, that is, there is a problem of not verifying the payee when sending money

[0009] In particular, for senior citizens who are vulnerable to Internet financial frauds such as telephone fraud and domain spoofing, if the remittance or payment from the account registered as the corresponding senior citizen's account holder is monitored, financial fraud can be greatly reduced, However, due to economic or temporal reasons, it is almost impossible to carry out the above-mentioned monitoring by financial institutions or financial supervisory agencies

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