KR20050120961A - Tv with home banking and control method of the same - Google Patents

Abstract

It is about home banking TV which can provide banking service easily by using all TVs and control method, and accesses the bank internet site according to banking key input, and authenticates the authentication process, device information and password by authentication chip. Internet module for receiving and storing internet information for providing a simplified TV banking-only account screen including inquiry and transfer of user's account after the user verification procedure, and converting into video and audio form, and reminding user of banking key input And a TV module for transmitting to the Internet module and outputting Internet information of the Internet module through a screen and a speaker.

Description

TV with home banking and control method of the same}

The present invention relates to a TV, and more particularly, to a TV capable of home banking and a control method thereof.

Recently, it is possible to use various banking services such as deposit and withdrawal by using various communication means without going directly to the bank.

That is, Internet banking using a PC in a home or office, and a phone banking using a mobile phone.

As described above, although banking services using various communication means have become popular, it is not very easy to use banking services using these devices except those who are familiar with recent PC or mobile phone devices.

And it takes a lot of time to get used to the banking site's access and complex site screen configuration.

For this reason, it is almost impossible to use such Internet banking and phone banking services smoothly, especially for older elderly people.

Therefore, they are equipped with a PC in the home, even if you have a mobile phone capable of banking services there is a problem that can not be used.

Accordingly, an object of the present invention is to provide a home banking enabled TV and a control method thereof, in which all users can easily receive a banking service using a TV.

The home banking TV according to the present invention is connected to the bank Internet site according to the banking key input, and simplified TV banking including the user's account inquiry and transfer after the authentication process by the authentication chip and the user verification process using the device information and password. An internet module for receiving and storing internet information for providing a dedicated account screen and converting it into a video and audio form, and transmitting a user's banking key input to the internet module and outputting the internet information of the internet module through a screen and a speaker. Characterized in that it comprises a TV module.

In the method of controlling a home-banking TV according to the present invention, in a two-way TV having an internet connection and a slot for connecting an authentication chip, determining a banking request of the user, and whether the banking is currently available when the banking request of the user is recognized. Determining the step, if the current banking is available, accessing the relevant bank Internet site and performing the authentication procedure, if the authentication is made by displaying a simplified TV dedicated banking service screen consisting of only essential items such as account inquiry, transfer, etc. And using the banking service, and storing the user's banking service usage history and notifying through a predetermined communication means in a text or voice form.

Hereinafter, a preferred embodiment of a home banking TV and a control method thereof according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing the configuration of a home banking TV according to the present invention, Figure 2 is a flow chart showing a control method of a home banking TV according to the present invention.

As shown in FIG. 1, the home banking TV according to the present invention accesses the bank internet site according to the banking key input, and checks the user's account after the authentication procedure using the authentication chip and the user verification procedure using the device information and password. Internet module 10 for receiving and storing Internet information for providing a simplified TV banking-only account screen including a transfer, and converting it into a video and audio form, and transmits a user's banking key input to the Internet module 10. The TV module 20 outputs Internet information of the Internet module 10 through a screen and a speaker.

At this time, the Internet module 10 stores a network adapter 11 for connecting a bank Internet site and the Internet module 10 through a network through PSTN / LAN / CABLE, a basic Internet module operation program, and banking usage history. The memory unit 12, the TV module 20 and the input / output unit 14 for input / output of the control information of the Internet module 10, and the network adapter 11 by communicating with the bank Internet site through the authentication and The control module 13 controls the progress of the user confirmation procedure and controls the transmission / reception of video information and video and audio conversion, and the TV module 20 by converting audio information from the internet information input through the network adapter 11 to analog. NTSC outputs the graphics processing unit 16 and the graphics processing unit 16 for graphic processing the video information of the Internet information input through the voice D / A conversion unit 15 and the network adapter 11 for transmission to the NTSC. Coding consists of the NTSC encoder 17 for output to the TV module 20.

In addition, a slot for connecting the TV bank dedicated authentication chip 18 issued by the bank to perform the authentication process is added to the outside of the TV body.

At this time, the authentication chip 18 may be used in the form of a chip inserted into the mobile phone having a banking function.

The TV module 20 includes a tuner / IF unit 21 for selecting and processing intermediate / frequency signals corresponding to a broadcasting channel selected by a user, and a CPT (Color Picture Tube) for outputting video and audio ( 24) A / V for selectively outputting one of the video / audio signal selected through the tuner / IF unit 21 and the video / audio signal transmitted through the Internet module 10 according to the switching signal. A switching unit 22, a memory unit 28 for storing a preset frequency according to a basic program and a channel, a control unit for notifying a banking key input to the Internet module 10 and controlling each unit to perform video / audio processing ( 29), the deflection processing unit 25 for processing the electron beam deflection operation of the CPT (24), the signal processing to output the output of the A / V switching unit 22 through the CPT (24) and the speaker 27 It is composed of an image processor 23 and an audio processor 26.

In addition, a banking dedicated button is installed on the key panel of the remote control or TV body.

Referring to the control method of the home banking TV according to the present invention configured as described above are as follows.

First, when a user wants to use a banking service using a TV, the user subscribes to the Internet banking of the bank that he / she wants to do business with, and receives an authentication chip 18 issued according to the regulations set by the bank, thereby providing the corresponding slot of the TV. Should be mounted on the

At this time, the authentication chip 18 is standardized or standardized by agreement between banks, it is preferable to be used in a single form, the use range is widened.

If the user wants to bank, he presses the banking key on the remote control or key panel.

On the other hand, the control unit 29 of the TV module 20 determines whether the banking key is input (S21).

Subsequently, when the determination result S21 and the banking key are input, the control unit 29 stores the current TV state (channel, volume, etc.) (S22).

The control unit 29 transmits the banking key input to the control unit 13 of the Internet module 10.

Therefore, the control unit 13 of the Internet module 10 checks whether the authentication chip 18 is connected and checks whether the TV can be banked (S23).

Subsequently, when it is determined that banking is possible, the test result (S23) is connected to the Internet site of the bank by using a telephone line or an Internet dedicated line through the network adapter 11 (S24).

Then, the control unit 13 performs a connection setting operation by the authentication chip 18 by communication with the bank Internet site (S25).

At this time, after the authentication process with the bank by the authentication chip 18, since the data is encrypted and transmitted / received, it is safe for hacking and the like.

Subsequently, the serial number of the TV is checked at the bank internet site (S26).

In this case, the step S26 may be performed in two ways.

In the first method, the user checks the serial number of the TV and informs the bank, and if the TV model is changed, the serial number is notified again and updated, and the bank stores the serial number and the serial number of the actual TV when the user accesses the TV. Compared with

In the second method, when the authentication chip 18 is inserted into the first TV, the serial number of the TV is stored in the authentication chip 18, and when the user connects, the serial number of the actual TV and the serial number stored in the authentication chip 18 are compared. That's how.

As a result of performing the step S26 by the above-described method, if the two serial numbers match, a password is input for user verification, and the input password is confirmed to match the password input when the internet banking is subscribed (S27).

As a result of the determination (S27), if the password is matched by accessing the user's own account (S28), the TV banking service screen is displayed.

The TV banking service screen is provided by the bank, unlike the Internet banking service screen using a PC.

That is, even if the purpose of the present invention is to easily use the banking service for the elderly, the banking service screen in the form of a simplified GUI (Graphic User Interface) consisting of only essential items, such as account inquiry, transfer, etc. at the bank side separately produced for TV To provide.

In addition, the bank side may send a message such as announcements and product information provided by the bank can be expected to promote the effect.

Therefore, the user uses a banking service such as balance inquiry and bank transfer through the TV screen using the number buttons and direction buttons of the remote control (S29).

In addition, the control unit 13 of the Internet module 10 stores the banking usage history of the user in the memory unit 12 and transmits a voice or text message to a pre-registered phone or mobile phone through a network connected to the network adapter 11. Notify in form.

In this case, the banking usage history stored in the memory unit 12 serves as an electronic bank account, and can be displayed on the screen at any time according to a user's need to check transaction details and balances.

Subsequently, when the user's banking service ends, the corresponding account access and bank internet site are released, and the user returns to the previous TV broadcast screen using the pre-stored TV status information (S31).

On the other hand, the control unit 13 of the Internet module 10, if the determination result (S23), the authentication chip 18 is not inserted or the network connection is impossible because the TV banking, the control unit of the TV module 20 ( 29) the banking impossible message is displayed on the TV screen (S32).

Then, using the pre-stored TV status information to return to the previous TV broadcast screen (S33).

On the other hand, the control unit 13 of the Internet module 10, if the serial number does not match, the determination result (S26), and communicates with the control unit 29 of the TV module 20 to display a serial number error message on the screen Then, it notifies to a pre-registered phone or mobile phone through a network connected to the network adapter 11 (S34).

Then, the bank site is disconnected and the previous TV broadcast screen is returned using previously stored TV status information (S31).

On the other hand, if the determination result (S27), the user password does not match, the control unit 13 of the Internet module 10 determines whether the wrong password input number exceeds the specified limit input number (S35), and exceeds the limit input number If it stops the banking service (S36).

Then, the bank site is disconnected and the previous TV broadcast screen is returned using previously stored TV status information (S31).

The home banking TV and its control method according to the present invention have the following effects.

First, since it provides a TV-only banking service screen made with only the essential configuration, all users can conveniently use the banking service.

Second, it goes through a multi-step security process such as authentication chip, TV serial number and user password, and also improves the stability and reliability of the banking service using TV by notifying users of the use history through mobile phone text messages.

Third, the banking history can be stored separately to provide an electronic bankbook function that can be conveniently checked at any time later, thereby increasing the convenience of using the product.

1 is a block diagram showing the configuration of a home-banking TV according to the present invention

2 is a flowchart illustrating a control method of a home banking TV according to the present invention.

-Explanation of symbols for the main parts of the drawings-

10: Internet module 11: network adapter

12: memory unit 13: control unit

14: input / output unit 15: voice D / A conversion unit

16: Graphic Processor 17: NTSC Encoder

18: authentication chip 20: TV module

21: Tuner / IF section 22: A / V switching section

23: image processing unit 24: CPT

25: deflection processing unit 26: voice processing unit

27: speaker 28: memory unit

29: control unit

Claims (8)

Internet to provide a simplified TV banking account screen including access to the bank's Internet site according to the banking key input and the user's account inquiry and transfer after the authentication process by the authentication chip and the user verification process using the device information and password. An internet module for receiving and storing information and converting the information into video and audio formats; And And a TV module for transmitting a user's banking key input to the Internet module and outputting Internet information of the Internet module through a screen and a speaker. According to claim 1, The internet module A network adapter for connecting a bank internet site and an internet module through a network; Memory unit for storing basic Internet module operation program and banking usage history, Slot for inserting authentication chip into TV, Control the progress of the authentication process and the user verification process using the authentication chip through the network adapter through the network adapter, and the home banking, characterized in that it comprises a control unit for controlling the transmission and reception of Internet information and video and audio TV. According to claim 1, The TV module A tuner / IF unit configured to process video and audio signals corresponding to a broadcast channel selected by a user, and to tune and tune to intermediate frequencies; Display and speaker for outputting video and audio, An A / V switching unit for selectively outputting one of a video / audio signal selected through the tuner / IF unit and a video / audio signal transmitted through an internet module according to a switching signal; Memory unit for storing the preset frequency according to the basic program and channel, A control unit for notifying a banking key input to the Internet module and controlling each unit to perform video / audio processing; and And a video processing unit and a sound processing unit for signal processing to output the output of the A / V switching unit through the display and the speaker. In a two-way TV with internet access and a slot for authentication chip connection, Determining a banking request of the user; Determining whether banking is currently available when a banking request of the user is recognized; Accessing the bank internet site and performing an authentication procedure if the banking state is current; If the authentication is made, displaying a simplified TV-only banking service screen including only required items such as account inquiry and transfer so that the user can use the banking service; And And storing the user's banking service usage history and notifying the user through a predetermined communication means in a text or voice form. The method of claim 4, wherein The step of determining whether the current banking is possible If the authentication chip is inserted in the TV, and if the Internet connection is possible, determining that banking is possible, When the authentication chip is not inserted in the TV, or the authentication chip is inserted but the Internet connection is not possible, determining that the banking is impossible and comprising the step of displaying a banking impossible message. The method of claim 4, wherein The step of performing the authentication process Checking the authentication chip, Checking the serial number of the TV, and The control method of the home banking TV, characterized in that the step of proceeding at least two or more of the step of confirming the user password. The method of claim 6, Checking the serial number of the TV The user checks the serial number of the TV and informs the bank, and if the TV model is changed, the serial number is notified again and updated. The bank stores the serial number and compares the serial number of the actual TV when the user accesses the TV. Control method of a home banking TV, characterized in that. The method of claim 6, Checking the serial number of the TV The method of controlling a home banking TV, comprising: storing a serial number of a TV in an authentication chip when the authentication chip is inserted into a first TV, and comparing a serial number of a real TV and a serial number stored in the authentication chip when a user connects to the TV.