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1. 发明授权

KR101339838B1 휴대 단말을 이용한 금융 상담 시스템 및 방법 有权
标题翻译：使用移动设备进行财务顾问的系统和方法
公开(公告)号：KR101339838B1
公开(公告)日：2013-12-11
申请号：KR1020120128632
申请日：2012-11-14
申请人： 주식회사 케이비데이타시스템
发明人： 허세녕
IPC分类号： G06Q40/02 , G06Q30/02 , G06Q40/04 , H04M3/51
CPC分类号： G06Q40/025 , G06Q30/0281 , G06Q40/04 , H04M3/5175 , H04M2203/407
摘要： The present invention relates to a system and a method for financial counseling using a mobile device. According to the present invention, a customer can easily compare and check financial products having different conditions using a provided interface facilitating comparison between the counseling answers, which are selected and stored during text or call counseling using a mobile device, among the answers related to financial products checked by the customer, thereby improving the efficiency of text or call counseling. A counselor can answer an inquiry similar to a previous customer's inquiry using a relevant template by managing answers responding to customer's inquiries using templates with a given format according to types of relevant financial products and customers' inquires, thereby reducing a counseling waiting time for a customer and improving the efficiency of counselor's counseling. Also, follow-up counseling can maintain continuity, and the counseling provided according to ratings can meet a customer's goal and satisfy a customer's expectation for a counseling level by managing connection matching information between an application for customers and an application for counselors and appointing a counselor by considering a customer rating and a counselor rating, thereby improving the quality of counseling resource management and counseling. [Reference numerals] (100) Application for customers;(200) Counseling management server;(300) Application for counselors;(AA,EE) Smartphone;(BB) Counselor A;(CC) Tablet PC;(DD) Counselor B;(FF) Counselor C
摘要翻译：本发明涉及使用移动设备的财务咨询的系统和方法。根据本发明，客户可以使用所提供的界面容易地比较和检查具有不同条件的金融产品，便于在与财务相关的答案中的使用移动设备的文本或呼叫咨询期间选择和存储的辅导答案之间进行比较产品由客户检查，从而提高文本或呼叫咨询的效率。辅导员可以使用相关模板回答类似于以前客户的查询的查询，根据相关金融产品和客户查询的类型，通过使用具有特定格式的模板管理响应客户查询的答案，从而减少客户的咨询等待时间提高顾问咨询的效率。此外，后续咨询可以保持连续性，根据评级提供的咨询可以通过管理客户申请和咨询者申请之间的连接匹配信息，并指定顾问来满足客户的目标并满足客户对咨询水平的期望通过考虑顾客评价和顾问评级，从而提高咨询资源管理和咨询的质量。（100）顾客申请;（200）咨询管理服务器;（300）顾问申请;（AA，EE）智能手机;（BB）顾问A;（CC）平板电脑;（DD）顾问B; （FF）顾问C

2. 发明公开

KR1020140099676A QR 코드를 이용한 즉시 결제 시스템 및 방법 有权
标题翻译：使用快速响应代码即时付款的系统和方法
公开(公告)号：KR1020140099676A
公开(公告)日：2014-08-13
申请号：KR1020130012388
申请日：2013-02-04
申请人： 주식회사 케이비데이타시스템
发明人： 나병국
IPC分类号： G06Q20/40 , G06Q20/32 , G06K9/18
CPC分类号： G06Q20/322 , G06Q20/3276 , G06Q20/40
摘要： The present invention relates to a spot payment system using a QR code and a method thereof. More specifically, an affiliated store terminal generates and presents a QR code including transaction information according to a unique code generation criterion of an affiliated store and thus it is easy to check and verity transaction content between transaction agents. Also, convenience and reliability of payment are assured by increasing safety as to mutual authentication of the payment. The stop payment system of the present invention also reduces commission sharply compared to card payment and the like and greatly increases convenience of payment by performing the payment smoothly even when a customer account lacks money, by enabling a customer to perform transfer payment through a customer terminal or payment using instant credit loan according to a pre-established loan condition. The system also improves convenience of a customer by removing standby period of the loan payment by performing the loan payment in the same procedure as normal payment without multiple procedures such as loan limit inquiry and loan application etc., for instant credit loan by enabling the customer to proceed with the transfer payment or the payment using the instant credit loan selectively from the beginning according to the financial condition and the like. The system saves commission costs and minimizes error generation probability in payment processing, by processing multiple deposit and withdrawal procedures using a minimum number of financial company transactions by proceeding with multiple deposits and withdrawals in a lump as to a payment request of a single transfer or an instant credit loan.
摘要翻译：本发明涉及使用QR码的现货支付系统及其方法。更具体地说，附属商店终端根据附属商店的唯一代码生成标准生成并显示包括交易信息的QR码，因此容易在交易代理之间检查和验证交易内容。此外，通过增加付款的相互认证的安全性来确保付款的便利性和可靠性。本发明的停止支付系统与卡支付等相比也大大降低了佣金，并且通过使客户能够通过客户终端进行转账支付，即使在客户帐户缺货的情况下也能平滑地执行支付，大大增加了支付的便利性或根据预先确定的贷款条件使用即时信贷贷款。该系统还通过以与正常付款相同的程序进行贷款支付，通过移除贷款支付的待机期限来提高客户的便利性，而不需要多个程序，如贷款限额查询和贷款申请等，为客户提供即时信贷根据财务状况等从一开始就选择性地使用即时信用贷款进行转账支付或付款。该系统通过使用最少数量的金融公司交易处理多个存款和取款程序来节省佣金成本并最大限度地减少付款处理中的错误生成概率，从而一次性进行多次存款和提款，以便单个转账或即时信贷。

3. 发明授权

KR101517515B1 QR 코드를 이용한 즉시 결제 시스템 및 방법 有权
标题翻译：即时支付系统和使用QR码的方法
公开(公告)号：KR101517515B1
公开(公告)日：2015-05-04
申请号：KR1020130012388
申请日：2013-02-04
申请人： 주식회사 케이비데이타시스템
发明人： 나병국
IPC分类号： G06Q20/40 , G06Q20/32 , G06K9/18
摘要： 본 발명은 QR 코드를 이용한 결제 시스템 및 방법에 관한 것으로, 더욱 상세하게는 가맹점 단말이 가맹점 고유의 코드 생성 기준에 따라 거래 정보를 포함하는 QR코드를 생성하여 제시함으로써 거래 주체 간 거래 내용의 확인 및 검증이 용이하며 결제의 상호 인증에 대한 안정성을 높이도록 하여 결제의 편의성 및 신뢰성을 확보하고, 고객이 고객 단말을 통한 이체 결제 또는 기 설정된 대출 조건에 따른 즉시 대출을 이용한 결제를 할 수 있도록 함으로써 카드 결제 등에 비해 수수료를 대폭 낮추고 고객 계좌의 자금이 부족한 경우라도 결제를 원활히 진행하도록 하여 결제의 편의성을 크게 높이며, 고객이 자금 사정 등에 따라 이체 결제 또는 즉시 대출을 이용한 결제를 처음부터 선택적으로 진행하도록 함으로써 즉시 대출의 경우에도 대출 한도 조회 및 대출 신청 등 복수의 절차 없이 일반적 결제 절차와 동일하게 진행하도록 하여 대출 결제의 대기 시간을 없애 고객의 편의성을 향상시키고, 단일의 이체 또는 즉시 대출의 결제 요청에 대해 계좌간 복수의 입,출금을 일괄 진행함으로써 최소한의 금융사 트랜잭션을 이용해 다수의 입출금 절차를 처리하도록 하여 수수료 비용을 절감하고 결제 처리에서의 오류 발생 가능성을 최소화한다.
摘要翻译：更具体地，商户终端根据商家特有的代码生成标准生成并呈现包括交易信息的QR码，通过根据贷款条件的客户设置付款或通过客户端一组能够核查支付方便，从而提高支付相互认证的稳定性和安全便捷和支付的可靠性，即日贷款卡通过显著降低的费用相比，结算付款即使在客户账户资金不足顺利通过增加显著方便支付，客户继续进行付款或使用即时贷款，由于财务状况从一开始就选择付款如果立即贷款，通过执行与一般结算程序相同的程序来消除贷款结算的等待时间，而无需诸如贷款申请等多个程序，可以改善客户的便利性，通过继续，您可以使用最少数量的银行交易处理多个提款和提款，从而降低佣金成本并最大限度地减少付款处理中出错的机会。

4. 发明公开

KR1020140099814A QR 코드를 이용한 즉시 결제 시스템 및 방법 审中-实审
标题翻译：使用快速响应代码即时付款的系统和方法
公开(公告)号：KR1020140099814A
公开(公告)日：2014-08-13
申请号：KR1020130157202
申请日：2013-12-17
申请人： 주식회사 케이비데이타시스템
发明人： 나병국
IPC分类号： G06Q20/32 , G06Q20/20
摘要： The present invention relates to a system and a method for payment using a QR code, more particularly, to a system and a method which facilitate confirmation and verification of transaction between transaction parties by making a member terminal generate and present a QR code which includes transaction information according to a unique code generation reference of a member store, and guarantee convenience and reliability of payment by increasing the security of mutual authentication of payment. Also, the present invention remarkably reduces a fee compared to card payment and the like by making a user proceed a payment using a transfer payment through a customer terminal or an immediate loan according to predetermined terms of loan, and largely increases the convenience of payment by smoothly proceeding a payment even if a balance of a customer account is insufficient. Also, the present invention improves the convenience of customer by removing waiting time of loan payment by making the procedure of the instantaneous loan the same as general payment procedure by selectively proceeding a payment using the transfer payment or the instantaneous loan depending on the current balance situation of the customer without having a series of procedures such as credit inquiry and loan application. Also, the present invention reduces a fee by processing a plurality of deposit and withdrawal procedures using the minimum number of financial transactions and minimizes the possibility of error in the process of payment by integrally proceeding the series of deposit and withdrawal procedures between accounts for the payment request of a single transfer or a single instantaneous loan.
摘要翻译：本发明涉及一种使用QR码进行支付的系统和方法，更具体地说，涉及通过使成员终端生成并呈现包括交易的QR码来促进交易方之间的交易的确认和验证的系统和方法信息根据会员商店的独特代码生成参考，并通过增加付款相互认证的安全性来保证支付的便利性和可靠性。此外，本发明通过使用户根据预定的贷款条件通过客户终端或直接贷款进行转账支付进行支付，与卡支付等相比显着地降低了费用，并且大大增加了支付的便利性即使客户账户的余额不足，也能顺利进行付款。此外，本发明通过根据当前的平衡情况选择性地使用转移支付或瞬时贷款选择性地进行支付，通过将即时贷款的过程与一般支付程序相同来消除贷款支付等待时间，从而提高了客户的便利性没有一系列程序，如信用查询和贷款申请。此外，本发明通过使用最小数量的金融交易处理多个存取款程序来减少费用，并且通过在支付帐户之间整体地执行一系列存取款程序来最小化付款过程中的错误的可能性一次转让或一次即时贷款的要求。

5. 发明公开

KR1020140077094A 안티 피싱 시스템 및 그 방법 审中-实审
标题翻译：防静电系统和方法
公开(公告)号：KR1020140077094A
公开(公告)日：2014-06-23
申请号：KR1020130066480
申请日：2013-06-11
申请人： 주식회사 케이비데이타시스템
发明人： 정우성 , 김기영 , 이대현 , 박승연
IPC分类号： H04W12/12 , H04W4/12
摘要： The present invention relates to an anti-phishing system and a method thereof. More specifically, the anti-phishing system sends a notification or blocks a call or a text message to prevent phishing scam when the sender of the call signal or text message is suspected to be phishing and a method thereof. The present invention implements a database storing filtering information regarding callers suspected to be phishing in a terminal to easily enable a user to recognize the information from such callers regardless of the data communication status or shadow areas to prevent phishing scams and financial frauds while maintaining the reliability of the phishing filtering.
摘要翻译：防钓鱼系统及其方法技术领域本发明涉及一种防钓鱼系统及其方法。更具体地，反钓鱼系统发送通知或阻止呼叫或文本消息，以防止当呼叫信号或文本消息的发送者被怀疑是网络钓鱼的发生者时的网络钓鱼诈骗及其方法。本发明实现了一种数据库，其存储关于在终端中被怀疑是钓鱼的呼叫者的过滤信息，以容易地使用户能够识别来自这些呼叫者的信息，而不管数据通信状态或阴影区域如何，以防止网络钓鱼诈骗和财务欺诈，同时保持可靠性的网络钓鱼过滤。

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