KR20080022823A - System and method for exchanging ic card storing information and program recording medium - Google Patents

Abstract

A system and a method for exchanging information stored in an IC card, and a program recording medium for the same are provided to remove inconvenience of loading an additional financial transaction tool to the IC card by periodically checking usage of financial transaction tools stored in the IC card and a host server, transferring the low usage tool to the host server, and transferring the high usage tool to the IC card. An information storing/managing part stores/manages financial transaction tool information, which is not stored to an IC chip of a customer IC card, in a host server. An information checker(2175) checks usage or a frequency of financial transaction tools stored in the IC chip and the host server by checking financial transaction tool usage details periodically. An information processor transfers the low usage financial transaction tool stored the IC chip to the host server and transfers the high usage financial transaction tool stored in the host server to the IC chip depending on a checking result. The customer financial transaction tool includes more than one of electronic bankbook, account, card and electronic money information.

Description

System and Method for Exchanging IC Card Storing Information and Program Recording Medium}

1 is a diagram showing a conventional financial IC card structure.

2 is a diagram illustrating a financial transaction (or electronic payment) process using a conventional financial IC card.

3 is a diagram illustrating a financial transaction (or electronic payment) system for operating a financial IC card according to an embodiment of the present invention.

4 is a diagram illustrating a relationship between financial (or payment) -related IC card storage information and host-side information included in a host-based financial IC card according to an exemplary embodiment of the present invention.

5A and 5B illustrate an IC card storage information structure for providing a host-based financial IC card service in a third institution IC card terminal according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a relationship between financial (or payment) -related IC card storage information and host-side information included in a host-based financial IC card according to another embodiment of the present invention.

7A and 7B illustrate an IC card storage information structure for providing a host-based financial IC card service in a third institution IC card terminal according to another exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a relationship between financial (or payment) -related IC card storage information and host-side information provided in a host-based financial IC card according to another embodiment of the present invention.

9A and 9B illustrate a configuration of IC card storage information for providing a host-based financial IC card service in a third institution IC card terminal according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a financial transaction system for operating a ledger-based financial IC card according to an embodiment of the present invention.

11A, 11B, and 11C illustrate a ledger information structure including a financial instrument identifier according to an embodiment of the present invention.

12 is a diagram illustrating a ledger-based financial IC card issuance and information registration system according to an embodiment of the present invention.

FIG. 13 illustrates a relationship between financial IC card storage information and ledger information included in a ledger-based financial IC card according to an embodiment of the present invention.

14A and 14B illustrate an IC card storage information structure for providing a ledger-based financial IC card service in a third institution IC card terminal according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a relationship between financial IC card storage information and ledger information provided in a ledger-based financial IC card according to another embodiment of the present invention.

16A and 16B illustrate an IC card storage information structure for providing a ledger-based financial IC card service in a third institution IC card terminal according to another exemplary embodiment of the present invention.

FIG. 17 illustrates a relationship between financial IC card storage information and ledger information provided in a ledger-based financial IC card according to another embodiment of the present invention.

18A and 18B illustrate an IC card storage information structure for providing a ledger-based financial IC card service in a third institution IC card terminal according to another exemplary embodiment of the present invention.

19A and 19B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

20 is a diagram illustrating a ledger-based financial IC card issuing process according to another embodiment of the present invention.

21 is a diagram illustrating a ledger-based financial IC card operating system according to an embodiment of the present invention.

22 is a diagram illustrating a functional configuration of an IC card terminal for processing a financial transaction using a ledger-based financial IC card according to an embodiment of the present invention.

23 is a diagram illustrating an operation process of an IC card terminal for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

24 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

25 is a diagram illustrating an operation process of an IC card terminal for financial transaction processing using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 27 is a view illustrating an operation process of an IC card terminal for completing a financial transaction using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a functional configuration of a third institution IC card terminal for processing a financial transaction using a ledger-based financial IC card according to another embodiment of the present invention.

29 is a diagram illustrating an operation process of a third institution IC card terminal for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

30 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

31 is a diagram illustrating an operation process of a third institution IC card terminal for financial transaction processing using a ledger-based financial IC card according to an embodiment of the present invention.

32 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 33 is a diagram illustrating an operation process of a third institution IC card terminal for completing a financial transaction using a ledger-based financial IC card according to an embodiment of the present invention.

34 is a diagram illustrating a ledger-based financial IC card conversion / reissue and information registration system according to another embodiment of the present invention.

35 is a diagram illustrating a relationship between financial IC card storage information and ledger information provided in the ledger-based financial IC card according to an embodiment of the present invention.

36A and 36B illustrate an IC card storage information structure for providing a ledger-based financial IC card service in a third institution IC card terminal according to an exemplary embodiment of the present invention.

FIG. 37 is a diagram illustrating a relationship between financial IC card storage information and ledger information included in a ledger-based financial IC card according to another embodiment of the present invention. FIG.

38A and 38B illustrate an IC card storage information structure for providing a ledger-based financial IC card service in a third institution IC card terminal according to another exemplary embodiment of the present invention.

FIG. 39 is a diagram illustrating a relationship between financial IC card storage information and ledger information provided in a ledger-based financial IC card according to another embodiment of the present invention. FIG.

40A and 40B illustrate an IC card storage information structure for providing a ledger-based financial IC card service in a third institution IC card terminal according to another exemplary embodiment of the present invention.

41A and 41B illustrate a ledger-based financial IC card conversion / reissue process according to an embodiment of the present invention.

42 is a diagram illustrating a ledger-based financial IC card conversion / reissue process according to another embodiment of the present invention.

43 is a diagram illustrating a ledger-based financial IC card operating system according to an embodiment of the present invention.

44 is a diagram illustrating a functional configuration of an IC card terminal for processing a financial transaction using a ledger-based financial IC card according to an embodiment of the present invention.

45 is a diagram illustrating an operation process of an IC card terminal for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

46 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 47 is a view illustrating an operation process of an IC card terminal for financial transaction processing using a ledger-based financial IC card according to an embodiment of the present invention.

48 is a view illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

49 is a diagram illustrating an operation process of an IC card terminal for completing a financial transaction using a ledger-based financial IC card according to an embodiment of the present invention.

50 is a diagram illustrating a functional configuration of a third institution IC card terminal for processing a financial transaction using a ledger-based financial IC card according to another embodiment of the present invention.

FIG. 51 is a view illustrating an operation process of a third institution IC card terminal for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

52 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 53 is a view illustrating an operation process of a third institution IC card terminal for financial transaction processing using a ledger-based financial IC card according to an embodiment of the present invention.

54 is a view illustrating an operation process of a ledger server for financial transactions using a ledger-based financial IC card according to an embodiment of the present invention.

55 is a diagram illustrating an operation process of a third institution IC card terminal for completing a financial transaction using a ledger-based financial IC card according to an embodiment of the present invention.

<Description of main parts of drawing>

2100: ledger server 2105: interface unit

2110: information receiver 2115: information transmitter

2120: information confirmation unit 2125: information extraction unit

2130: Financial Transactions 2135: Ledger D / B

2140: information storage unit 2145: storage medium

2150: Policy D / B 2155: Transfer of financial instruments server

2160: information provider 2165: ledger processing unit

2170: customer approval unit 2175: information confirmation unit

According to the present invention, a customer who is issued a ledger-based financial IC card according to the present invention through a ledger-based financial IC card issuance and information registration system uses a predetermined IC card terminal to perform a financial transaction based on the ledger-based financial IC card. At least one financial means corresponding to the financial IC card for processing a financial transaction based on the ledger-based financial IC card and transferring the financial means between the financial IC card and the ledger according to the present invention in the financial transaction process; The present invention relates to a ledger-based financial IC card operating system for storing transaction history information in a predetermined storage medium.

Cash and / or debit cards and / or credit cards and / or check cards and / or electronic accounts and / or issues issued to customers by financial institutions due to the development of information and communication technologies in the field of financial settlement and the need for advanced security. A financial IC which electronically finances a financial means (or payment means) including at least one electronic money or the like and is provided in a financial means file (for example, one dedicated file and at least one element file) on a predetermined integrated chip (IC) chip. The card has been commercialized, and a preferred embodiment of the financial IC card is shown in FIG.

1 is a diagram showing a conventional financial IC card structure.

In general, a financial IC card is achieved by producing a financial means (or payment means) storage information including at least one or more of the cash card, credit card, electronic bankbook, electronic money, etc. in a card application form and providing the predetermined IC card. In Korea, the financial IC card follows the financial IC card standard.

Referring to FIG. 1 according to the financial IC card structure according to the financial IC card standard, the financial instrument storage information is provided in a card application area provided in a memory unit on the IC chip, and the card application area is a root file. One master file (MF) corresponding to a file, at least one dedicated file (DF) classified according to smart card services and applications, and data and / or information for smart card services. It consists of an element file (EF) and the like is stored.

In general, the master file is a file having a root level authority among the dedicated files, and all files on the IC card file structure corresponding to the card application area can be accessed via the master file. A file including at least one or more pieces of information for providing a smart card service and information on element files disposed below it, wherein the stored information for providing an independent smart card service on the IC card file structure is at least One or more dedicated files, the element file is a file containing at least one or more information and / or data for providing a smart card service, the storage that can provide a separate smart card service on the IC card file structure The information includes at least one element file.

For example, in the IC card file structure as shown in FIG. 1, the master file exists at the top (= root) of all dedicated files and / or element files, and the card terminal device passes through a series of security modules and at least one dedicated file and / or To access the element file, it must pass through the master file.

Further, at least one dedicated file and an element file for providing at least one smart card service provided through a smart card are disposed below the master file, wherein at least one of the dedicated files includes directory information. After that, the remaining dedicated files and element files are arranged on the IC card file structure according to the type and feature of the smart card service provided by the smart card.

Accordingly, a financial means (or at least one or more) including a cash card and / or a debit card and / or a credit card and / or a check card and / or an electronic bankbook and / or an electronic money issued to a customer by a predetermined financial institution (or The financial instrument storage information corresponding to the payment means) is composed of functional groups such as at least one dedicated file and / or at least one element file disposed below. For example, when a smart card service provider is granted access rights to the smart card from a card issuing authority, it means that the smart card service provider is authorized to access at least one dedicated file, an element file, and the like on the smart file structure.

According to an embodiment of the present invention, an IC card file structure includes at least one dedicated file (e.g., credit, debit, financial common network, electronic money, signature certificate, key distribution certificate, etc.) for each smart card service, and the like. At least one element file or the like disposed below is already stored in each smart card service storage information in a functional group.

2 illustrates a financial transaction (or electronic payment) process using a conventional financial IC card.

Since the financial IC card as shown in FIG. 1 operates based on high security, after the transaction history inquiry, transaction information input and transaction information processing occurs between the IC card and the IC card terminal, (E.g., a financial server, a payment server, etc.) is made in a pre-transaction after synchronization to synchronize with.

Referring to FIG. 2, the customer (or IC card terminal operator) inserts the financial IC card into an IC card reader provided in a predetermined IC card terminal for a financial transaction (or electronic payment) using the financial IC card. Thereafter, by inputting a predetermined PIN through a PIN (Personal Identification Number) pad provided in the IC card terminal, the confidentiality, authentication, integrity and nonrepudiation of the financial IC card. To validate).

When the validity of the financial IC card is authenticated (and / or after the validity authentication, a financial transaction (or electronic payment) is selected through the financial means provided in the financial IC card), the IC card terminal is connected to the financial IC card. Request the at least one financial instrument information provided in the financial IC card, and the financial IC card provides the requested financial instrument information to the IC card terminal.

Thereafter, the IC card terminal selects financial instrument information for a predetermined financial transaction (or electronic payment) from the financial instrument information, and selects a predetermined financial transaction for financial transaction (or electronic settlement) using the financial instrument information. Or electronic payment) information.

When the financial transaction (or electronic payment) information is input, the IC card terminal uses the financial IC card for a predetermined financial transaction (or electronic payment) financial means corresponding to the financial means (or electronic payment) target financial means information. Upon requesting the information, the IC card extracts the requested financial means information for the financial transaction (or electronic payment) and provides the information to the IC card terminal.

The IC card terminal provided with the financial means information for the financial transaction (or electronic payment) includes a predetermined financial transaction (or electronic payment) information including the financial means information for the financial transaction (or electronic payment) and the financial transaction (or electronic payment) information. The electronic payment) message is generated, and the generated financial transaction (or electronic payment) message is transmitted to a predetermined server (eg, a financial server or a payment server).

Thereafter, the server performs a predetermined financial transaction (or electronic settlement) procedure based on the financial transaction (or electronic settlement) telegram, thereby requesting a financial transaction (or electronic settlement) requested through the financial transaction (or electronic settlement) telegram. ), Generate a predetermined transaction history (or payment history) full text corresponding to the financial transaction (or electronic payment), and then transmit the generated transaction history (or payment history) full text to the IC card terminal. .

The IC card terminal receiving the transaction history (or payment history) message is updated based on the transaction history (or payment history) included in the transaction history (or payment history) message. By generating information and updating the transaction history (or payment history) of the IC card through the transaction history (or payment history) update information, a predetermined financial transaction (or electronic payment) using the IC card is completed.

The IC card-based financial transaction (or electronic payment) of the synchronization method after the pre-transaction has the advantage of utilizing the high security of the IC card, while at least one or more financial transactions (or electronic payment) through the IC card. ) Is added, it is inconvenient to mount a card application corresponding to the added financial transaction (or electronic payment) to the IC card, and the IC card to mount a high capacity memory for additional card application There is a problem that the production cost rises.

An object of the present invention for solving the above problems, the predetermined information storage means for storing the customer's financial transaction means information separately on the IC chip and the host server in the customer IC card, and the predetermined information checking means periodically Check the utilization rate or the number of times of the financial transaction means stored on the IC chip in the IC card and the financial transaction means stored on the host server, and according to the confirmation result in a predetermined information processing means, stored in the IC chip in the IC card. Transfer the financial transaction means information having a low utilization rate or frequency of use among the financial transaction means information to the host server, and transfer the financial transaction means information having a high utilization rate or use frequency among the financial transaction means information stored on the host server. An IC card storage information exchange method and system for transferring to a chip are provided.

The IC card storage information exchange system according to the present invention comprises: information storage / management means for storing and managing customer financial transaction means information which cannot be stored on an IC chip in a customer's IC card on a host server; Information checking means for periodically checking the use of the financial transaction means of the customer to confirm the utilization rate or the number of times of the financial transaction means stored in the IC chip in the IC card and the financial transaction means stored on the host server; And information processing means for transferring the financial transaction means information stored on the IC chip in the IC card to the host server and transferring the financial transaction means information stored on the host server to the IC chip in the IC card according to the confirmation result. It characterized by comprising;

On the other hand, the IC card storage information exchange system according to the present invention, if the customer's financial transaction means information is stored separately on the IC chip and the host server in the customer IC card, respectively, periodically check the customer's use of the financial transaction means Information checking means for checking the utilization rate or the number of times of the financial transaction means stored in the IC chip in the IC card and the financial transaction means stored on the host server; And transfer the financial transaction means information having a low utilization rate or the number of times of use among the financial transaction means information stored in the IC chip in the IC card to the host server according to the verification result, and use the utilization rate among the financial transaction means information stored on the host server. Or information processing means for transferring the financial transaction means information having a high frequency of use to the IC chip in the IC card.

According to the present invention, the customer financial transaction means information, characterized in that it comprises at least one electronic bank account information, account information, card information, electronic money information.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing a function of the above-described IC card storage information exchange system constituting means.

On the other hand, the IC card storage information exchange method according to the present invention, the predetermined information storage means for storing the information of the financial transaction means of the customer on the IC chip and the host server in the customer IC card, respectively; An information checking step of periodically checking, by predetermined information checking means, a utilization rate or a frequency of use of the financial transaction means stored in the IC chip in the IC card and the financial transaction means stored on the host server; And transfer the financial transaction means information having a low utilization rate or the number of times of use among the financial transaction means information stored in the IC chip in the predetermined information processing means to the host server, and stored on the host server. And an information exchange step of transferring financial transaction means information having a high utilization rate or use frequency among financial transaction means information to the IC chip in the IC card.

According to the present invention, the information exchange step, the information processing means for deleting the financial transaction means information transferred to the host server of the financial transaction means information stored in the IC chip in the IC card from the terminal connected to the IC card. And transmitting, to the terminal, the financial transaction means information to be transferred to the IC chip among the financial transaction means information stored in the host server.

According to the present invention, the customer financial transaction means information, characterized in that it comprises at least one electronic bank account information, account information, card information, electronic money information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

3 is a diagram illustrating a financial transaction (or electronic payment) system for operating a financial IC card according to an embodiment of the present invention.

In more detail, Figure 3 relates to a method of implementing a financial transaction (or electronic payment) system for operating a financial IC card operating based on a host, and a person having ordinary knowledge in the technical field to which the present invention belongs, Although various financial transaction (or electronic payment) systems for operating a financial IC card operating based on the ledger may be inferred by referring to and / or modifying the drawing 3, the present invention includes all the inferred implementation methods, It is not limited to the financial system shown in FIG.

Referring to FIG. 3, various financial transaction (or electronic payment) systems for operating a financial IC card are issued by a predetermined IC card issuing institution and held by a predetermined customer, and the financial IC card. An IC card terminal 300 that reads at least one financial means (or payment means) information, and the IC card terminal 300 is connected to the read through the financial means (or payment means) information through a predetermined communication network. And a host server and / or a host system 305 for performing at least one corresponding IC card related information processing function.

The IC card terminal 300 may be a counter terminal (for example, an attractive IC card terminal 300 used by a teller at each branch of a financial institution) and / or a CD / ATM ( For example, a wired terminal including at least one unmanned IC card terminal 300 provided at a branch of a financial institution (and / or a place affiliated with a financial institution), and / or having a predetermined IC card reader. (Not shown, a personal computer used by a customer, a laptop, etc.) or at least one, and / or a wireless terminal having a predetermined IC card reader (or mounting or detaching a predetermined IC chip) (not shown) A payment terminal (e.g., a merchant) that includes at least one or more of a code division multiple access (CDMA) based mobile phone, an IEEE 802.16x based mobile Internet terminal, etc. used by a customer, and / or has a predetermined IC card reader.Home appliance terminals comprising at least one non-credited credit authorization terminal (CAT), direct debit terminal, etc.) and / or having a predetermined IC card reader (e.g., a home appliance having a bidirectional communication function) (TV, refrigerator, ... etc.)) is preferably included.

According to an embodiment of the present invention, the IC card terminal 300 is a host server corresponding to at least one or more financial means (or payment means) included in the financial IC card through a predetermined communication network (eg, a financial server, or A host system (e.g., a financial system, a card payment system, etc.) corresponding to at least one or more financial means (or payment means) provided in the financial IC card through a communication network and / or a predetermined communication network. Is preferably in communication with

A host server (eg, a financial server or a payment server) connected to the IC card terminal 300 through a communication network and performing at least one IC card related information processing function may include at least one or more provided in the financial IC card. A server for processing a predetermined financial transaction (or electronic payment) in association with the host system through a financial means (or payment means), which is provided in the host system and / or as part of a component provided in the host system. It is possible to have both, and / or to be provided in an external system associated with the host system, whereby the present invention is not limited.

According to an embodiment of the present invention, the host server has a database (or interworking with an external database) for storing / managing at least one or more information (or data) for processing the IC card related information, and / or the IC It is preferable to have at least one card-related information processing function.

According to an embodiment of the present invention, the host server (eg, a financial server or a payment server) is connected to at least one IC card terminal 300 through a predetermined communication network, and the IC card terminal 300 is connected to the financial system. The teller terminal (e.g., an attractive IC card terminal 300 used by the teller at each branch of the financial institution) and / or the CD / ATM (e.g., the branch (and / or branch) of the financial institution In the case of including an unmanned IC card terminal 300 provided in a place affiliated with a financial institution, the IC card terminal 300 is a predetermined financial network (for example, when the IC card terminal 300 is a teller terminal, A financial network including a banking network, or, when the IC card terminal 300 is a CD / ATM, a banking network including a banking network and / or a CD / ATM network according to a location where the CD / ATM is provided) It is preferably connected in communication with the host server via, and / or the IC card When the terminal 300 includes a wired terminal (not shown, a personal computer used by a customer, a laptop, etc.) provided with a predetermined IC card reader, the IC card terminal 300 is connected to the host server through a predetermined wired communication network. It is preferable that the IC card terminal 300 has a predetermined IC card reader (or mounted or detached from a predetermined IC chip), and / or a CDMA (not shown). Code Division Multiple Access (CDMA) based mobile phone, IEEE 802.16x based portable Internet terminal, etc.), the IC card terminal 300 is a predetermined wireless device including the CDMA based mobile communication network and / or IEEE 802.16x based portable Internet. It is preferable that the communication server is connected to the host server through a communication network, and / or a payment terminal (eg, a credit inquiry terminal provided in a merchant) in which the IC card terminal 300 includes a predetermined IC card reader. It includes an Authorization Terminal (CAT), a direct debit terminal, etc.), the IC card terminal 300 is a value added network (Value Added Network); It is preferable to be connected to the host server through a VAN, and the IC card terminal 300 is a home appliance terminal having a predetermined IC card reader (for example, a home appliance having a bidirectional communication function (TV, refrigerator,. ... Etc.), the IC card terminal 300 is preferably connected to the host server via a predetermined wired or wireless communication network.

The host system connected to the IC card terminal 300 through a communication network to perform at least one IC card related information processing function, at least one gateway is connected to the IC card terminal 300 via a predetermined communication network A server and at least one D / B server, a file server, an application server, a security server, a management server, and the like, which are directly / indirectly connected to the gateway server through a predetermined internal communication means.

According to an embodiment of the present invention, at least one server (eg, D / B server, file server, etc.) among the servers included in the host system may store at least one or more information (or data) for processing the IC card related information. Store / manage, and at least one other server (e.g., an application server) preferably includes the IC card related information processing function.

According to an embodiment of the present invention, the host system is connected to at least one IC card terminal 300 through a predetermined network, wherein the IC card terminal 300 is provided at a branch (or branch) of the financial institution. It is provided at a counter terminal (e.g., an attractive IC card terminal 300 used by a counter employee at each branch of a financial institution) and / or a CD / ATM (e.g., a branch of a financial institution (and / or a place affiliated with a financial institution). In the case of including an unmanned IC card terminal 300, the IC card terminal 300 is a predetermined financial network (for example, when the IC card terminal 300 is a teller terminal, the financial network including the current network, the IC When the card terminal 300 is a CD / ATM, it is preferable that the card terminal 300 is communicatively connected to the host system through a bank network and / or a financial network including a CD / ATM network, depending on the location of the CD / ATM. And / or the IC card terminal 300 uses a predetermined IC card reader. In the case of including a wired terminal (not shown, a personal computer used by a customer, a laptop, etc.), the IC card terminal 300 is preferably connected to the host system via a predetermined wired communication network, and / or the A wireless terminal (not shown, a CDMA (Code Division Multiple Access) based mobile phone used by a customer) in which the IC card terminal 300 has a predetermined IC card reader (or mounts or detaches a predetermined IC chip), based on IEEE 802.16x In the case of a mobile Internet terminal, etc.), the IC card terminal 300 is preferably connected to the host system through a predetermined wireless communication network including the CDMA-based mobile communication network and / or the IEEE 802.16x-based mobile Internet. And / or a payment terminal (eg, a credit authorization terminal (CAT) provided at an affiliated store) equipped with a predetermined IC card reader at the IC card terminal 300, or debit. When including a first terminal, and so on), the IC card terminal 300 is a predetermined value-added network (Value Added Network; It is preferable that the communication system and the host system through the VAN, the IC card terminal 300 is a home appliance terminal having a predetermined IC card reader (for example, a home appliance having a bi-directional communication function (TV, refrigerator,. ... Etc.), the IC card terminal 300 is preferably connected to the host system via a predetermined wired or wireless communication network.

4 is a diagram illustrating a relationship between financial (or payment) -related IC card storage information and host-side information included in a host-based financial IC card according to an embodiment of the present invention.

In more detail, Figure 4 shows the financial (or payment) related IC card storage information (eg, financial (or payment) IC card application, application data, IC chip storage data provided in the financial IC card 400 operating based on the host. Etc.) and financial related information (e.g., financial instrument information and / or payment instrument information) stored in a storage medium on the host (e.g., host server and / or host system 305) as an embodiment method. Specifically, in the state in which no storage information is provided in the financial (or payment) related IC card storage information of the financial IC card 400, the host side corresponds to the financial (or payment) related IC card storage information. At least one financial means (or payment means) is shown an embodiment provided with information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various relationships between financial (or payment) -related IC card storage information and host-side information according to the present invention. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Here, the financial (or payment) -related IC card storage information (e.g., financial (or payment) IC card application, application data, IC chip storage data, etc.) is cash card storage information and / or debit card storage information and / or credit It is preferable to include at least one or more card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information, the financial (or payment) related IC card storage according to the intention of those skilled in the art Information (eg, financial (or payment) IC card application, application data, IC chip storage data, etc.) is a separate IC to confirm that the financial IC card 400 is a host-based financial IC card 400 according to the present invention. Card storage information (e.g., IC card application, application data, IC chip storage data, etc.) may be included, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, the financial (or payment) related IC card storage information may be omitted from the IC card for the host-based financial IC card 400 according to the present invention. In this case, the host server and And / or the host system 305 may use the IC card identifier (eg, IC card chip serial number, etc.) as a financial means (or payment means) identifier provided in the host server and / or storage medium on the host system 305. have.

Referring to Figure 4, the IC card for the host-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically Connected.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. An application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area and the like, and the financial (or payment) -related IC card storage information for the present invention includes the protection area and the COS control area. It is preferably stored in the excluded region.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the financial (or payment) related IC card storage information for the present invention also includes such a file structure Is done.

Referring to FIG. 4, the financial IC card 400 includes only a storage area in which predetermined financial (or payment) -related IC card storage information can be stored, and null data is stored in the storage area (eg, NUL data). , Only a dedicated file corresponding to the financial (or payment) -related IC card storage information exists in the storage area, and the element file is not stored). In this case, the IC card terminal 300 stores the financial information in the IC card. It is possible to check whether the IC card is the host-based financial IC card 400 according to the present invention based on the existence of a storage area in which (or payment) related IC card storage information can be stored.

According to another exemplary embodiment of the present invention, in addition to the presence of the storage area, various IC card unique information corresponding to the financial IC card 400 (for example, the chip serial number of the financial IC card 400, included in the IC card) If at least one key value (or hash code), public certificate number, public key copy information included in the public certificate, at least one card information, biometric information, etc.) is provided, the financial instrument (or payment method) identifier is provided. The host-based financial IC card 400 according to the present invention can be used as confirmation information, and the present invention is not limited thereto.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a host-based financial IC card 400 service according to the present invention. When used as a means (or payment means) identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the official certificate number and / or public key copy information included in the authentication certificate may be viewed. It is used as a financial means (or payment means) identifier for providing the host-based financial IC card 400 service according to the invention, or a predetermined card (eg, credit card, check card, debit) on the financial IC card 400. Card, cash card, etc.), the card information (for example, credit card information, check card information, debit card information, cash card information, etc.) provides a host-based financial IC card 400 service according to the present invention If the biometric information of the customer is used as a financial means (or payment means) identifier or the IC card is equipped with the biometric information of the customer, the host-based financial IC card 400 service according to the present invention is provided. It can be used as a financial means (or payment means) identifier for providing, whereby the present invention is not limited.

According to another embodiment of the present invention, the IC card storage information itself may be omitted (not shown) in the IC card, and thus the present invention is not limited thereto.

As described above, when the financial (or payment) -related IC card storage information itself is omitted, the chip serial number of the IC card and / or at least one key value (or hash code) included in the IC card may be viewed. In the case of being used as a financial means (or payment means) identifier for providing a host-based financial IC card 400 service according to the present invention, or when the IC card is provided with a predetermined certificate, the certificate number and / or Public key copy information included in the certificate is used as a financial means (or payment means) identifier for providing the host-based financial IC card 400 service according to the present invention, or a predetermined card ( For example, when a credit card, a debit card, a debit card, a cash card, etc. is provided, the card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is obtained. In accordance with the present invention, the biometric information of the customer is used as a financial means (or payment means) identifier for providing a host-based financial IC card 400 service or when the IC card is provided with biometric information about the customer. According to the host-based financial IC card 400 may be used as a financial means (or payment means) identifier for providing a service, whereby the present invention is not limited.

The host-based financial transaction (or electronic payment) procedure using the host-based financial IC card 400 shown in FIG. 4 is performed by the financial means (or the financial IC card 400) from a predetermined IC card terminal 300. Check and extract information used as a payment means identifier, and based on this, at least one or more financial means stored in match with the financial means (or payment means) identifier from the host server and / or host system 305 through a communication network (Or payment means) after extracting and receiving the information, and preferably at least one or more financial transactions (or electronic payment) through the at least one or more financial means (or payment means) information extracted and received. Do.

According to an embodiment of the present invention, the host-based financial transaction (or electronic payment) procedure using the host-based financial IC card 400 as described above may be performed by the institution that issued the financial IC card 400. By operating / supplying 300, when the IC card terminal 300 has a function of checking and extracting information used as the financial means (or payment means) identifier, the IC card terminal 300 provides the financial information. Extract and receive at least one financial means (or payment means) information stored in the host server and / or host system 305 through the means (or payment means) identifier that is matched with the financial means (or payment means) identifier and stored therein. It is desirable to process one or more financial transactions (or electronic payments).

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of identifying and extracting information used as the financial means (or payment means) identifier in the financial IC card 400, the financial institution IC card 400 IC card storage information (e.g., predetermined information for a predetermined host interworking service) in which the terminal 300 extracts and receives at least one or more financial means (or payment means) information from a predetermined host server and / or host system 305. Financial (or payment) IC card application, application data, IC chip storage data, etc. for extracting and receiving at least one or more financial means (or payment means) information from the host server and / or host system 305. Is preferably provided.

5A and 5B illustrate an IC card storage information structure for providing a host-based financial IC card 400 service in a third institution IC card terminal 300 according to an exemplary embodiment of the present invention.

In more detail, Figures 5a and 5b is a host-based in accordance with the present invention in a predetermined third institution IC card terminal 300 in the financial IC card 400 operating based on the host as shown in FIG. By extracting and receiving at least one financial means (or payment means) information from a predetermined host server and / or host system 305 in the financial IC card 400 service (eg, the third institution IC card terminal 300). IC card storage information (for example, at least one financial means (or payment means) from a predetermined host server and / or host system 305) for providing a host interworking service for providing a financial transaction (or a service for processing an electronic payment). A method of implementation with a financial (or payment) IC card application, application data, IC chip storage data, etc.) for extracting and receiving information, FIG. 5A illustrates an IC card for a host interworking service in the form of application data and / or IC chip storage data in the banking (or payment) related IC card storage information included in the host-based financial IC card 400 shown in FIG. 4. Figure 5b shows that the storage information is provided, Figure 5b is the host-based financial IC card 400 shown in FIG. It shows that the card is processed in conjunction with the storage information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it is possible to infer the configuration of the IC card storage information for various host interworking services for providing the host-based financial IC card 400 service in accordance with the present invention, but the present invention includes all the implementation methods inferred The present invention is not limited to the implementation method shown in FIGS. 5A and 5B.

Referring to FIG. 5A, the financing (or payment) related IC card storage information included in the host-based financing IC card 400 illustrated in FIG. 4 includes only a predetermined IC card storage information storage area. (Or payment) related IC card storage information corresponds to the IC card storage information for the host interworking service to provide a host-based financial IC card 400 service according to the present invention in a predetermined third institution IC card terminal 300 Host interworking information in the form of application data and / or IC chip storage data is characterized in that it is provided.

Here, the basic function of the host interworking information corresponds to the financing (or payment) related IC card storage information to a predetermined host server and / or host system 305 corresponding to the financing (or payment) related IC card storage information. At least one IC card terminal 300 confirms that at least one financial means (or payment means) information is provided, wherein the IC card terminal 300 is a third institution IC card terminal. In the case of 300, the third institution IC card terminal 300 includes a function of identifying and accessing the host server and / or the host system 305.

According to an exemplary embodiment of the present invention, the host interworking information may include at least one financial means corresponding to the financial (or payment) related IC card storage information through the at least one communication network in the third institution IC card terminal 300 ( Or address information for accessing the host server and / or the host system 305 having payment means), whereby the third institution IC card terminal 300 is based on the address information. At least one financial means corresponding to the financial means (or payment means) identifier shown in FIG. 4 by accessing the host server and / or host system 305 corresponding to the financial (or payment) related IC card stored information ( Or after extracting and receiving the payment means information, and through the financial means (or payment means) information at least one or more financial transactions (or electronic It performs a second) process.

Here, the address system of the address information included in the host interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The host interworking information may include a host server having at least one financial means (or payment means) information corresponding to the financial (or payment) related IC card storage information in the third institution IC card terminal 300; Or predetermined code information (or number) for identifying the host system 305, whereby the third institution IC card terminal 300 is based on the code information (or number). At least one financial means (or payment method) corresponding to the financial means (or payment means) identifier shown in FIG. 4 by accessing the host server and / or host system 305 corresponding to the financial (or payment) -related IC card storage information. After the payment means) information is extracted and received, at least one financial transaction (or electronic payment) procedure is performed through the financial means (or payment means) information.

For example, the code information (or number) included in the host interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the host interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for the host-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

Referring to FIG. 5B, the financing (or payment) related IC card storage information included in the host-based financing IC card 400 shown in FIG. 4 includes only a predetermined IC card storage information storage area. The IC card 400 is a host-based financial IC card according to the present invention through the financial IC card 400 in a predetermined third institution IC card terminal 300 in addition to the financial (or payment) -related IC card storage information ( In order to provide a service, the host interworking IC card storage information in the form of an IC card application corresponding to the IC card storage information for the host interworking service is provided. Or payment) associated with the stored IC card information is provided in the financial IC card 400.

According to an embodiment of the present invention, the host interworking IC card storage information may be stored in the third institution IC card terminal 300 to provide the host-based financial IC card 400 service according to the present invention. The IC card application used in the card terminal 300, wherein the host interworking IC card storage information is the financial (or payment) related IC card storage information through at least one or more communication networks in the third institution IC card terminal 300 Preferably, the host server including at least one financial means (or payment means) information corresponding to the host server and / or predetermined host interworking information for accessing the host system 305 is preferably included in the form of application data.

Here, the basic function of the host interworking information corresponds to the financing (or payment) related IC card storage information to a predetermined host server and / or host system 305 corresponding to the financing (or payment) related IC card storage information. At least one IC card terminal 300 confirms that at least one financial means (or payment means) information is provided, wherein the IC card terminal 300 is a third institution IC card terminal. In the case of 300, the third institution IC card terminal 300 includes a function of identifying and accessing the host server and / or the host system 305.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the host interworking information included in the host interlocking IC card storage information may be stored in the third institution IC card terminal 300 through the at least one communication network. Preferably includes address information for accessing the host server and / or host system 305 having at least one financial means (or payment means) information corresponding to the information, thereby providing the third institution IC card. The terminal 300 may include a host server and / or a host system corresponding to the financial (or payment) related IC card storage information based on the address information corresponding to the host interworking information using the host interworking IC card storage information ( 305) at least one gold corresponding to the financial instrument (or payment instrument) identifier shown in FIG. After extraction and receiving means (or the payment means) information, and performs the financial instrument (or the payment means) to at least one or more financial transactions through the information (or e-payment) procedure.

Here, the address system of the address information included in the host interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The host interworking information included in the host interlocking IC card storage information may include at least one financial means (or payment) corresponding to the financial (or payment) related IC card storage information in the third institution IC card terminal 300. Means) preferably comprises predetermined code information (or number) for identifying the host server and / or host system 305 with information, whereby the third institution IC card terminal 300 is A host server and / or host system 305 corresponding to the financial (or payment) related IC card storage information based on the code information (or number) corresponding to the host interworking information using host interworking IC card storage information. By accessing, at least one financial means (or payment means) information corresponding to the financial means (or payment means) identifier shown in FIG. After the output, and receiving, and performs at least one or more financial transactions (or e-payment) procedure through the financial instrument (or the payment means) information.

For example, the code information (or number) included in the host interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the host interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for the host-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

FIG. 6 is a diagram illustrating a relationship between financial (or payment) -related IC card storage information and host-side information included in a host-based financial IC card according to another embodiment of the present invention.

In more detail, FIG. 6 shows information on storing credit (or payment) -related IC cards (eg, finance (or payment) IC card applications, application data, and IC chip storage data provided in the financial IC card 400 operating based on a host). Etc.) and financial related information (e.g., financial instrument information and / or payment instrument information) stored in a storage medium on the host (e.g., host server and / or host system 305) as an embodiment method. Specifically, a predetermined serial number used as a predetermined financial means (or payment means) identifier is provided in the financial (or payment) related IC card storage information of the financial IC card 400, and the financial ( Or at least one financial means (or payment means) information corresponding to the relevant IC card storage information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various relationships between financial (or payment) -related IC card storage information and host-side information according to the present invention. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Here, the financial (or payment) -related IC card storage information (e.g., financial (or payment) IC card application, application data, IC chip storage data, etc.) is cash card storage information and / or debit card storage information and / or credit It is preferable to include at least one or more card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information, the financial (or payment) related IC card storage according to the intention of those skilled in the art Information (eg, financial (or payment) IC card application, application data, IC chip storage data, etc.) is a separate IC to confirm that the financial IC card 400 is a host-based financial IC card 400 according to the present invention. Card storage information (e.g., IC card application, application data, IC chip storage data, etc.) may be included. It is not limited.

According to another exemplary embodiment of the present invention, the financial (or payment) related IC card storage information may be omitted from the IC card for the host-based financial IC card 400 according to the present invention. In this case, the host server and And / or the host system 305 may use the IC card identifier (eg, IC card chip serial number, etc.) as a financial means (or payment means) identifier provided in the host server and / or storage medium on the host system 305. have.

Referring to Figure 6, the IC card for the host-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically It is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) that manages and operates an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock Controlling information or data exchange between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the signal CLK contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. An application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like, and the financial (or payment) related IC card storage information for the present invention includes the protection area and the COS control area. It is preferably stored in the excluded region.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the financial (or payment) related IC card storage information for the present invention also includes such a file structure Is done.

Referring to Figure 6, the financial (or payment) -related IC card storage information comprises an information file for storing a predetermined serial number, the serial number of the financial (or payment) -related IC card storage information is the present invention It is preferably used as a financial means (or payment means) identifier for providing a host-based financial IC card 400 service.

According to another exemplary embodiment of the present invention, the financial (or payment) related IC card storage information may include various IC card unique information corresponding to the financial IC card 400 in addition to the IC card serial number (eg, the financial IC card 400). Chip serial number), at least one key value (or hash code) included in the IC card, public certificate number, public key copy information included in the public certificate, at least one card information, biometric information, etc.) are provided. It can be used as a financial means (or payment means) identifier for providing a host-based financial IC card 400 service according to the invention, whereby the present invention is not limited.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a host-based financial IC card 400 service according to the present invention. When used as a means (or payment means) identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the official certificate number and / or public key copy information included in the authentication certificate may be viewed. It is used as a financial means (or payment means) identifier for providing the host-based financial IC card 400 service according to the invention, or a predetermined card (eg, credit card, check card, debit) on the financial IC card 400. Card, cash card, etc.), the card information (for example, credit card information, check card information, debit card information, cash card information, etc.) provides a host-based financial IC card 400 service according to the present invention In order to provide a host-based financial IC card 400 service according to the present invention, when the biometric information of the customer is used as the financial means (or payment means) identifier or the IC card is provided with the biometric information for the customer. It can be used as a financial means (or payment means) identifier for this, by which the present invention is not limited.

The host-based financial transaction (or electronic payment) procedure using the host-based financial IC card 400 shown in FIG. 6 is performed by the financial means (or the financial means) from the financial IC card 400 at a predetermined IC card terminal 300. Check and extract information used as a payment means identifier, and based on this, at least one or more financial means stored in match with the financial means (or payment means) identifier from the host server and / or host system 305 through a communication network (Or payment means) after extracting and receiving the information, and preferably at least one or more financial transactions (or electronic payment) through the at least one or more financial means (or payment means) information extracted and received. Do.

According to an embodiment of the present invention, the host-based financial transaction (or electronic payment) procedure using the host-based financial IC card 400 as described above may be performed by the institution that issued the financial IC card 400. By operating / supplying 300, when the IC card terminal 300 has a function of checking and extracting information used as the financial means (or payment means) identifier, the IC card terminal 300 provides the financial information. Extract and receive at least one financial means (or payment means) information stored in the host server and / or host system 305 through the means (or payment means) identifier that is matched with the financial means (or payment means) identifier and stored therein. It is desirable to process one or more financial transactions (or electronic payments).

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of identifying and extracting information used as the financial means (or payment means) identifier in the financial IC card 400, the financial institution IC card 400 IC card storage information (e.g., predetermined information for a predetermined host interworking service) in which the terminal 300 extracts and receives at least one or more financial means (or payment means) information from a predetermined host server and / or host system 305. Financial (or payment) IC card application, application data, IC chip storage data for extracting and receiving at least one or more financial means (or payment means) information from the host server and / or host system 305. ) Preferably it is provided.

7A and 7B illustrate an IC card storage information structure for providing a host-based financial IC card 400 service in a third institution IC card terminal 300 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate a host-based device according to the present invention in a predetermined third institution IC card terminal 300 in a financial IC card 400 operating based on a host as shown in FIG. 6. By extracting and receiving at least one financial means (or payment means) information from a predetermined host server and / or host system 305 in the financial IC card 400 service (eg, the third institution IC card terminal 300). IC card storage information (for example, at least one financial means (or payment means) from a predetermined host server and / or host system 305) for providing a host interworking service for providing a financial transaction (or a service for processing an electronic payment). A method of implementation with a financial (or payment) IC card application, application data, IC chip storage data, etc.) for extracting and receiving information, FIG. 7A illustrates an IC card for a host interworking service in the form of application data and / or IC chip storage data in the banking (or payment) related IC card storage information included in the host-based financial IC card 400 shown in FIG. 6. Figure 7b shows that the storage information is provided, Figure 7b is the host-based financial IC card 400 shown in Figure 6 is provided with the host-linked IC card storage information in the form of IC card application, the financial (or payment) related IC It shows that the card is processed in conjunction with the storage information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it is possible to infer the configuration of the IC card storage information for various host interworking services for providing the host-based financial IC card 400 service in accordance with the present invention, but the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIGS. 7A and 7B.

Referring to FIG. 7A, the financial (or payment) related IC card storage information included in the host-based financial IC card 400 shown in FIG. 6 includes an information file for storing a predetermined serial number. The IC card storage information related to finance (or payment) is the IC for the host interworking service to provide the host-based financial IC card 400 service according to the present invention in a predetermined third institution IC card terminal 300 in addition to the serial number. Host interworking information in the form of application data and / or IC chip storage data corresponding to the card storage information is provided.

Here, the basic function of the host interworking information corresponds to the financing (or payment) related IC card storage information to a predetermined host server and / or host system 305 corresponding to the financing (or payment) related IC card storage information. At least one IC card terminal 300 confirms that at least one financial means (or payment means) information is provided, wherein the IC card terminal 300 is a third institution IC card terminal. In the case of 300, the third institution IC card terminal 300 includes a function of identifying and accessing the host server and / or the host system 305.

According to an exemplary embodiment of the present invention, the host interworking information may include at least one financial means corresponding to the financial (or payment) related IC card storage information through the at least one communication network in the third institution IC card terminal 300 ( Or address information for accessing the host server and / or the host system 305 having payment means), whereby the third institution IC card terminal 300 is based on the address information. At least one financial means corresponding to the financial means (or payment means) identifier shown in FIG. 6 by accessing the host server and / or host system 305 corresponding to the financial (or payment) related IC card storage information ( Or after extracting and receiving the payment means information, and through the financial means (or payment means) information at least one or more financial transactions (or electronic It performs a second) process.

Here, the address system of the address information included in the host interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The host interworking information may include a host server having at least one financial means (or payment means) information corresponding to the financial (or payment) related IC card storage information in the third institution IC card terminal 300; Or predetermined code information (or number) for identifying the host system 305, whereby the third institution IC card terminal 300 is based on the code information (or number). At least one financial means (or payment) corresponding to the financial means (or payment means) identifier shown in FIG. 6 by accessing the host server and / or host system 305 corresponding to the financial (or payment) related IC card storage information. Means) After extracting and receiving the information, at least one financial transaction (or electronic payment) procedure is performed through the financial means (or payment means) information.

For example, the code information (or number) included in the host interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the host interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for the host-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

Referring to FIG. 7B, the financial (or payment) related IC card storage information included in the host-based financial IC card 400 illustrated in FIG. 6 includes an information file for storing a predetermined serial number. The financial IC card 400 is a host-based financial IC card according to the present invention through the financial IC card 400 in a predetermined third institution IC card terminal 300 in addition to the financial (or payment) -related IC card storage information ( In order to provide a service, the host interworking IC card storage information in the form of an IC card application corresponding to the IC card storage information for the host interworking service is provided. Or payment) associated with the stored IC card information is provided in the financial IC card 400.

According to an embodiment of the present invention, the host interworking IC card storage information may be stored in the third institution IC card terminal 300 to provide the host-based financial IC card 400 service according to the present invention. The IC card application used in the card terminal 300, wherein the host interworking IC card storage information is the financial (or payment) related IC card storage information through at least one or more communication networks in the third institution IC card terminal 300 It is preferable to include in the form of application data predetermined host interworking information for accessing the host server and / or host system 305 having at least one or more financial means (or payment means) information corresponding thereto.

Here, the basic function of the host interworking information corresponds to the financing (or payment) related IC card storage information to a predetermined host server and / or host system 305 corresponding to the financing (or payment) related IC card storage information. At least one IC card terminal 300 confirms that at least one financial means (or payment means) information is provided, wherein the IC card terminal 300 is a third institution IC card terminal. In the case of 300, the third institution IC card terminal 300 includes a function of identifying and accessing the host server and / or the host system 305.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the host interworking information included in the host interlocking IC card storage information may be stored in the third institution IC card terminal 300 through the at least one communication network. Preferably comprises address information for accessing the host server and / or host system 305 having at least one financial instrument (or payment instrument) information corresponding to the information, thereby providing the third institution IC. The card terminal 300 uses the host interworking IC card storage information and a host server and / or host system corresponding to the financial (or payment) related IC card storage information based on the address information corresponding to the host interworking information. 305, at least one gold corresponding to the financial instrument (or payment instrument) identifier shown in FIG. After extraction and receiving means (or the payment means) information, and performs the financial instrument (or the payment means) to at least one or more financial transactions through the information (or e-payment) procedure.

Here, the address system of the address information included in the host interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The host interworking information included in the host interlocking IC card storage information may include at least one financial means (or payment) corresponding to the financial (or payment) related IC card storage information in the third institution IC card terminal 300. Means) preferably comprises predetermined code information (or number) for identifying the host server and / or host system 305 with information, whereby the third institution IC card terminal 300 is A host server and / or host system 305 corresponding to the financial (or payment) related IC card storage information based on the code information (or number) corresponding to the host interworking information using host interlocking IC card storage information. By accessing, at least one financial means (or payment means) information corresponding to the financial means (or payment means) identifier shown in FIG. After the output, and receiving, and performs at least one or more financial transactions (or e-payment) procedure through the financial instrument (or the payment means) information.

For example, the code information (or number) included in the host interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the host interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for the host-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

FIG. 8 is a diagram illustrating a relationship between financial (or payment) -related IC card storage information and host-side information included in a host-based financial IC card according to another embodiment of the present invention.

In more detail, FIG. 8 shows information on storing credit (or payment) -related IC cards (eg, finance (or payment) IC card applications, application data, and IC chip storage data provided in the financial IC card 400 operating based on a host). Etc.) and financial related information (e.g., financial instrument information and / or payment instrument information) stored in a storage medium on the host (e.g., host server and / or host system 305) as an embodiment method. Specifically, at least one or more financial means (or payment means) information is provided in the financial (or payment) related IC card storage information of the financial IC card 400, and the financial (or payment) related information is provided to the host. FIG. 1 illustrates an embodiment in which the remaining financial means (or payment means) information corresponding to the IC card storage information is provided.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer various relationships between financial (or payment) -related IC card storage information and host-side information according to the present invention. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Here, the financial (or payment) -related IC card storage information (e.g., financial (or payment) IC card application, application data, IC chip storage data, etc.) is cash card storage information and / or debit card storage information and / or credit At least one card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information is preferably made, the financial (or payment) related IC card according to the intention of the skilled person Stored information (e.g., financial (or payment) IC card application, application data, IC chip storage data, etc.) is a separate to confirm that the financial IC card 400 is a host-based financial IC card 400 according to the present invention. IC card storage information (e.g., IC card application, application data, IC chip storage data, etc.) may be included, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, the financial (or payment) related IC card storage information may be omitted from the IC card for the host-based financial IC card 400 according to the present invention. In this case, the host server and And / or the host system 305 may use the IC card identifier (eg, IC card chip serial number, etc.) as a financial means (or payment means) identifier provided in the host server and / or storage medium on the host system 305. have.

Referring to FIG. 8, the IC card for the host-based financial IC card 400 according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically Connected.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. An application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like, and the financial (or payment) -related IC card storage information for the present invention includes the protection area and the COS control area. It is preferably stored in the excluded region.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the financial (or payment) related IC card storage information for the present invention also includes such a file structure Is done.

Referring to FIG. 8, the financial (or payment) -related IC card storage information includes a program file and / or an information file corresponding to at least one or more financial means (or payment means) information. At least one financial means (or payment means) identifier (or host interworking information) may be further included to provide the basic financial IC card 400 service.

Here, the financial means (or payment means) identifier may include a predetermined serial number, and the financial means (or payment means) identifier that is directly in the financial (or payment) related IC card storage information is omitted, and the financial IC Various IC card unique information provided in the card 400 (eg, chip serial number of the financial IC card 400, at least one key value (or hash code) included in the IC card, official certificate number, the official certificate) Public key copy information, at least one or more card information, biometric information, etc.) may be used as a financial means (or payment means) identifier for providing a host-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a host-based financial IC card 400 service according to the present invention. When used as a means (or payment means) identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the official certificate number and / or public key copy information included in the authentication certificate may be viewed. It is used as a financial means (or payment means) identifier for providing the host-based financial IC card 400 service according to the invention, or a predetermined card (eg, credit card, check card, debit) on the financial IC card 400. Card, cash card, etc.), the card information (for example, credit card information, check card information, debit card information, cash card information, etc.) provides a host-based financial IC card 400 service according to the present invention If the biometric information of the customer is used as a financial means (or payment means) identifier or the IC card is provided, the biometric information of the customer provides the host-based financial IC card 400 service according to the present invention. It can be used as a financial means (or payment means) identifier for this, by which the present invention is not limited.

Here, the basic function of the host interworking information corresponds to the financing (or payment) related IC card storage information to a predetermined host server and / or host system 305 corresponding to the financing (or payment) related IC card storage information. At least one IC card terminal (300) confirms that the information on the at least one financial means (or payment means) is provided.

The host-based financial transaction (or electronic payment) procedure using the host-based financial IC card 400 shown in FIG. 8 includes at least one financial means from the financial IC card 400 at a predetermined IC card terminal 300. After extracting (or payment means) information, the financial IC card 400 associated with the financial (or payment) related IC card storage information (or included in the financial (or payment) related IC card storage information). By confirming the financial means (or payment means) identifier (or host interworking information), at least one financial means (or payment means) information is provided in addition to the financial means (or payment means) information extracted from the financial IC card 400. And verifying whether the host server and / or the host system 305 is provided.

If at least one financial means (or payment means) information is provided in a predetermined host server and / or host system 305, the IC card terminal 300 from the host server and / or host system 305 After extracting and receiving at least one financial means (or payment means) information corresponding to a financial means (or payment means) identifier (or host interworking information), the extracted and received at least one financial means (or payment means) ) At least one financial transaction (or electronic payment) through the information.

According to an embodiment of the present invention, the host-based financial transaction (or electronic payment) procedure using the host-based financial IC card 400 as described above may be performed by the institution that issued the financial IC card 400. By operating / supplying 300, the IC card terminal 300 is provided with a function of checking and extracting information used as the financial means (or payment means) identifier (or host interworking information). At least one financial means stored in 300 matches with the financial means (or payment means) identifier from the host server and / or host system 305 through the financial means (or payment means) identifier (or host interworking information). (Or payment means) It is desirable to process at least one financial transaction (or electronic payment) by extracting and receiving information.

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of identifying and extracting information used as the financial means (or payment means) identifier in the financial IC card 400, the financial institution IC card 400 IC card storage information (e.g., predetermined information for a predetermined host interworking service) in which the terminal 300 extracts and receives at least one or more financial means (or payment means) information from a predetermined host server and / or host system 305. Financial (or payment) IC card application, application data, IC chip storage data for extracting and receiving at least one or more financial means (or payment means) information from the host server and / or host system 305. ) Preferably it is provided.

9A and 9B illustrate an IC card storage information structure for providing a host-based financial IC card 400 service in a third institution IC card terminal 300 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a host-based system according to the present invention in a predetermined third institution IC card terminal 300 in a financial IC card 400 operating based on a host as shown in FIG. 8. By extracting and receiving at least one financial means (or payment means) information from a predetermined host server and / or host system 305 in the financial IC card 400 service (eg, the third institution IC card terminal 300). IC card storage information (for example, at least one financial means (or payment means) from a predetermined host server and / or host system 305) for providing a host interworking service for providing a financial transaction (or a service for processing an electronic payment). A method of implementation with a financial (or payment) IC card application, application data, IC chip storage data, etc.) for extracting and receiving information, FIG. 9A illustrates an IC card for a host interworking service in the form of application data and / or IC chip storage data in the banking (or payment) related IC card storage information included in the host-based financial IC card 400 illustrated in FIG. 8. Figure 9b shows that the storage information is provided, Figure 9b is the host-based financial IC card 400 shown in FIG. It shows that the card is processed in conjunction with the storage information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it is possible to infer the configuration of the IC card storage information for various host interworking services for providing the host-based financial IC card 400 service in accordance with the present invention, but the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIGS. 9A and 9B.

Referring to FIG. 9A, the financial (or payment) related IC card storage information includes a program file and / or an information file corresponding to at least one or more financial means (or payment means) information. The related IC card storage information is the host interworking service to provide the host-based financial IC card 400 service according to the present invention in a predetermined third institution IC card terminal 300 in addition to the financial means (or payment means) information. The host interworking information in the form of application data and / or IC chip storage data corresponding to the IC card storage information may be further provided.

Here, the basic function of the host interworking information is the finance (or payment) to a predetermined host server and / or host system 305 corresponding to the banking (or payment) related IC card storage information as shown in FIG. And at least one IC card terminal 300 confirming that at least one financial means (or payment means) information corresponding to the relevant IC card storage information is provided. ) Is the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the host server and / or the host system 305.

According to an exemplary embodiment of the present invention, the host interworking information may include at least one financial means corresponding to the financial (or payment) related IC card storage information through the at least one communication network in the third institution IC card terminal 300 ( Or address information for accessing the host server and / or the host system 305 having payment means), whereby the third institution IC card terminal 300 is based on the address information. At least one financial means corresponding to the financial means (or payment means) identifier shown in FIG. 8 by accessing the host server and / or host system 305 corresponding to the financial (or payment) related IC card stored information ( Or after extracting and receiving the payment means information, and through the financial means (or payment means) information, at least one financial transaction (or electronic It performs a second) process.

Here, the address system of the address information included in the host interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The host interworking information may include a host server having at least one financial means (or payment means) information corresponding to the financial (or payment) related IC card storage information in the third institution IC card terminal 300; Or predetermined code information (or number) for identifying the host system 305, whereby the third institution IC card terminal 300 is based on the code information (or number). At least one financial means (or payment) corresponding to the financial means (or payment means) identifier shown in FIG. 8 by accessing the host server and / or host system 305 corresponding to the financial (or payment) -related IC card storage information. Means) After extracting and receiving the information, at least one financial transaction (or electronic payment) procedure is performed through the financial means (or payment means) information.

For example, the code information (or number) included in the host interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the host interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for the host-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

Referring to FIG. 9B, the financial (or payment) -related IC card storage information includes a program file and / or an information file corresponding to at least one or more financial means (or payment means) information. 400, in addition to the financial (or payment) -related IC card storage information, a predetermined third institution IC card terminal 300 provides a host-based financial IC card 400 service according to the present invention through the financial IC card 400. The host interlocking IC card storage information in the form of an IC card application corresponding to the IC card storage information for the host interworking service is provided to provide the host interlocking IC card storage information. Processed in conjunction with IC card storage information is provided in the financial IC card 400.

According to an embodiment of the present invention, the host interworking IC card storage information may be provided to a third institution IC card terminal 300 to provide the host-based financial IC card 400 service according to the present invention. The IC card application used in the IC card terminal 300, wherein the host interworking IC card storage information is stored in the financial institution (or payment) related IC card through at least one or more communication networks in the third institution IC card terminal 300 Preferably, the application server includes predetermined host interworking information for accessing the host server and / or host system 305 having at least one financial means (or payment means) information corresponding to the information.

Here, the basic function of the host interworking information is the finance (or payment) to a predetermined host server and / or host system 305 corresponding to the banking (or payment) related IC card storage information as shown in FIG. And at least one IC card terminal 300 confirming that at least one financial means (or payment means) information corresponding to the relevant IC card storage information is provided. ) Is the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the host server and / or the host system 305.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the host interworking information included in the host interlocking IC card storage information may be stored in the third institution IC card terminal 300 through the at least one communication network. Preferably includes address information for accessing the host server and / or host system 305 having at least one financial means (or payment means) information corresponding to the information, thereby providing the third institution IC card. The terminal 300 may include a host server and / or a host system corresponding to the financial (or payment) related IC card storage information based on the address information corresponding to the host interworking information using the host interworking IC card storage information ( 305) at least one gold corresponding to the financial instrument (or payment instrument) identifier shown in FIG. After extraction and receiving means (or the payment means) information, and performs the financial instrument (or the payment means) to at least one or more financial transactions through the information (or e-payment) procedure.

Here, the address system of the address information included in the host interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The host interworking information included in the host interlocking IC card storage information may include at least one financial means (or payment) corresponding to the financial (or payment) related IC card storage information in the third institution IC card terminal 300. Means) preferably comprises predetermined code information (or number) for identifying the host server and / or host system 305 with information, whereby the third institution IC card terminal 300 is A host server and / or host system 305 corresponding to the financial (or payment) related IC card storage information based on the code information (or number) corresponding to the host interworking information using host interworking IC card storage information. By accessing, at least one financial means (or payment means) information corresponding to the financial means (or payment means) identifier shown in FIG. After the output, and receiving, and performs at least one or more financial transactions (or e-payment) procedure through the financial instrument (or the payment means) information.

For example, the code information (or number) included in the host interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the host interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for the host-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

Hereinafter, the host-based financing according to the present invention is provided through an embodiment in which the financial IC card 400 includes at least one financial account and / or electronic bank account among various forms of financial means (or payment means). The technical features of the IC card 400 service will be described in detail. For this purpose, the host server is referred to as a "financial server" for convenience, and the host system is referred to as a "financial system" for convenience, and the host-based financial IC card 400 is described. This is referred to as "ledger-based financial IC card 400".

However, the field of application of the host-based financial IC card 400 service according to the present invention is not limited to the electronic bank account financial means, and the field of application of the host-based financial IC card 400 service is credit card, check card, and debit. At least one financial instrument, including at least one financial instrument, insurance product, securities, and cash card, in addition to at least one electronic payment service including a card, and a prepaid card; and a financial instrument including the financial account and / or electronic bank account. It is clear that this includes all services.

10 illustrates a financial transaction system for operating a ledger-based financial IC card 400 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a method for implementing a financial transaction system for operating a financial IC card 400 operating based on a ledger provided on a predetermined financial system, which is common in the art. Those skilled in the art will be able to infer various financial transaction systems for operating the financial IC card 400 operating on the basis of the ledger by referring to and / or modifying this drawing 10. It includes a method and is not limited to the financial system shown in FIG.

Referring to FIG. 10, various financial transaction systems for operating the financial IC card 400 may be issued by a predetermined IC card issuing institution and possessed by a predetermined customer and at least from the IC card 400. An IC card terminal 300 for reading one or more financial means information, and at least one IC card related information processing function connected to the IC card terminal 300 through a predetermined communication network and corresponding to the read financial means information. Characterized in that it comprises a financial server and / or financial system to perform the.

The IC card terminal 300 may be a counter terminal (for example, an attractive IC card terminal 300 used by a teller at each branch of a financial institution) and / or a CD / ATM ( For example, at least one unmanned IC card terminal 300 provided at a branch of a financial institution (and / or a place affiliated with a financial institution) may be included.

In addition, the IC card terminal 300 is characterized in that it comprises at least one or more of the terminal and / or CD / ATM operating / managing in a predetermined third institution.

The IC card terminal 300 may include at least one wired terminal (not shown, a personal computer used by a customer, a laptop, etc.) having a predetermined IC card reader, and / or a predetermined IC card reader. Or at least one wireless terminal (not shown, a code division multiple access (CDMA) -based mobile phone used by a customer, an IEEE 802.16x-based portable Internet terminal, etc.) equipped with an IC chip (or mounting or detaching a predetermined IC chip). And / or include at least one or more payment terminals (e.g., credit authorization terminal (CAT), direct debit terminal, etc., equipped with a merchant) with a predetermined IC card reader, and / or At least one home appliance terminal having a predetermined IC card reader (e.g., home appliances with a two-way communication function (TV, refrigerator, ...)) characterized in that it comprises at least one All.

According to an embodiment of the present invention, the IC card terminal 300 is connected to a financial server corresponding to at least one or more financial means provided in the financial IC card 400 through a predetermined communication network, and / or predetermined Preferably, the communication system is connected to a financial system corresponding to at least one or more financial means provided in the financial IC card 400.

Here, the financial server connected to the IC card terminal 300 through a predetermined communication network is connected to the financial system through at least one or more financial means included in the financial IC card 400 to perform a predetermined financial transaction (or A server for processing electronic payment), which may be provided in the financial system, and / or as part of a component included in the financial system, and / or in an external system connected to the financial system. The present invention is not limited thereby.

According to an embodiment of the present invention, the financial server is connected to at least one IC card terminal 300 through a predetermined communication network, wherein the IC card terminal 300 is provided at a branch (or branch) of the financial institution. It is provided at the counter terminal (e.g., an attractive IC card terminal 300 used by the counter staff at each branch of the financial institution) and / or CD / ATM (e.g. In the case of including an unmanned IC card terminal 300, the IC card terminal 300 is a predetermined financial network (for example, when the IC card terminal 300 is a teller terminal, the financial network including the current network, the IC When the card terminal 300 is a CD / ATM, it is preferable that the card terminal 300 is connected to the server through a banking network and / or a financial network including a CD / ATM network according to the location where the CD / ATM is provided. And / or the wired terminal in which the IC card terminal 300 has a predetermined IC card reader ( (Not shown, a personal computer used by a customer, a laptop, etc.), the IC card terminal 300 is preferably connected to the server via a predetermined wired communication network, and / or the IC card terminal 300 Wireless terminal (not shown, CDMA (Code Division Multiple Access) based mobile phone used by a customer, IEEE 802.16x based portable Internet terminal, etc.) equipped with a predetermined IC card reader (or mounting or detaching a predetermined IC chip) ), The IC card terminal 300 is preferably communicatively connected with the server through a predetermined wireless communication network including the CDMA based mobile communication network and / or the IEEE 802.16x based portable Internet, and / or When the IC card terminal 300 includes a payment terminal having a predetermined IC card reader (for example, a credit authorization terminal (CAT), a direct debit terminal, etc., provided in an affiliated store), The IC card terminal 300 may include a predetermined value added network; It is preferable to be connected to the server through the VAN, the IC card terminal 300 is a home appliance terminal having a predetermined IC card reader (for example, a home appliance having a bidirectional communication function (TV, refrigerator, .. Etc.), the IC card terminal 300 is preferably connected to the server via a predetermined wired or wireless communication network.

In various financial transaction systems for operating the financial IC card 400, the financial system opens at least one financial account to at least one or more customers, and a predetermined financial institution for processing financial transactions based on the financial account. A computer system provided in the system, comprising: an account system for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch, an information system for processing a headquarters business, a store information support, and a customer information management; By connecting with the external computer network including the financial system and homes, businesses, stores and card companies, various electronic financial services (e.g., Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), other line, call center, External systems that provide financial settlement, and interfacing between components within the financial system. Is an interface module corresponding to a middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in a component in the financial system. It comprises a DBMS (Database Management System) including at least one database for storing and managing the, and the intention of the skilled person and / or the type of each financial institution (eg commercial banks, savings banks, trust banks) and the financial Depending on the purpose and characteristics of the system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), thereby the present invention This is not limited.

According to the implementation method of the present invention, a financial institution equipped with the financial system is a predetermined financial account, such as commercial banks, savings banks, securities companies, etc. are opened and / or operated, and the predetermined financial IC card 400 corresponding thereto is provided. It is desirable to include all financial institutions that can be issued, and not limited to specific financial institutions.

According to the present invention, the DBMS provided in the financial system includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a collateral ledger, and at least one information associated with the ledger and stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is called ledger D / B.

According to the implementation method of the present invention, it is preferable that a customer's financial account is opened in the financial system, and a predetermined bank account is issued to the customer to manage the financial account, wherein the bank account is a conventional paper account, or It can be issued in the form of electronic bankbook provided in the conventional financial IC card 400 as shown in Figure 1, or in the form of a ledger-based electronic bankbook according to the present invention.

In addition, the financial IC card 400 is preferably provided with a predetermined financial means including at least one predetermined cash card and / or debit card and / or credit card and / or check card associated with the financial account. The financial means may be issued in the form of an electronic bankbook provided in the conventional financial IC card 400 as shown in FIG. 1 or in the form of a ledger-based electronic bankbook according to the present invention.

In addition, the financial IC card 400 is preferably provided with a predetermined financial means including a predetermined prepaid card and / or electronic money, the financial means is a conventional financial IC card as shown in FIG. It may be issued in the form of an electronic passbook provided in 400, or in the form of an ledger-based electronic passbook according to the present invention.

According to an embodiment of the present invention, the financial system is connected to at least one IC card terminal 300 through a predetermined communication network, wherein the IC card terminal 300 is provided at a branch (or branch) of the financial institution. It is provided at a counter terminal (e.g., an attractive IC card terminal 300 used by a counter employee at each branch of a financial institution) and / or a CD / ATM (e.g., a branch of a financial institution (and / or a place affiliated with a financial institution). In the case of including an unmanned IC card terminal 300, the IC card terminal 300 is a predetermined financial network (for example, when the IC card terminal 300 is a teller terminal, the financial network including the current network, the IC When the card terminal 300 is a CD / ATM, it is preferable that the card terminal 300 is connected to the financial system through a banking network and / or a financial network including a CD / ATM network according to the location where the CD / ATM is provided. And / or the IC card terminal 300 has a predetermined IC card reader. In the case of including a front terminal (not shown, a personal computer used by a customer, a laptop, etc.), the IC card terminal 300 is preferably connected to the financial system via a predetermined wired communication network, and / or the IC A wireless terminal (not shown, a CDMA (Code Division Multiple Access) -based mobile phone used by a customer) in which the card terminal 300 has a predetermined IC card reader (or mounts or detaches a predetermined IC chip reader), and an IEEE 802.16x based portable device. Internet terminal, etc.), the IC card terminal 300 is preferably connected to the financial system via a predetermined wireless communication network including the CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet. And / or a payment terminal (eg, a credit authorization terminal (CAT), a direct debit terminal, etc., provided in an affiliated store) in which the IC card terminal 300 is provided with a predetermined IC card reader). If it does, the IC card terminal 300 is a small value added network definition (Value Added Network; It is preferable to be communicatively connected to the financial system through a VAN, and the IC card terminal 300 is a home appliance terminal having a predetermined IC card reader (eg, a home appliance (TV, refrigerator,. ... Etc.), the IC card terminal 300 is preferably connected to the financial system through a predetermined wired or wireless communication network.

11A, 11B, and 11C illustrate a ledger information structure including a financial instrument identifier according to an embodiment of the present invention.

11a, 11b, and 11c show in detail when a ledger-based financial IC card 400 according to the present invention is issued to the customer when the customer financial account is opened according to a predetermined financial account opening procedure. An illustration of a ledger information structure that connects or includes a predetermined financial instrument identifier (or a distinct value) to an account ledger (or receiving ledger) corresponding to an opened account. Specifically, FIG. 11A illustrates an account ledger of the ledger D / B. To an implementation method including a predetermined financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention, Figure 11b is a predetermined bankbook management associated with the account ledger of the ledger D / B An embodiment of the present invention relates to a method of including a predetermined financial instrument identifier for providing a ledger-based financial IC card 400 service according to the present invention. Is for the ledger based financial IC card 400, the financial IC card 400 identification information including a desired financial instrument identifiers for providing a service according to the present invention the director to an exemplary method for processing link.

11A, 11B, and 11C, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one associated with the account ledger. It includes information, if the person of ordinary skill in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system includes at least one ledger (for example, loan ledger, And / or at least one additional information for maintaining and managing the ledgers will also be clearly understood, and the specific technical details thereof will be understood. Description is omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present drawings 11a, 11b and 11c without departing from the essential technical matters of the present invention. Various implementation methods for providing the ledger-based financial IC card 400 service according to the present invention may be inferred, but the present invention includes all the implementation methods inferred above, and is illustrated in FIGS. 11A, 11B, and 11C. It is not limited to the method alone.

11A, 11B, and 11C, the customer ledger includes a customer information file (CIF) number, a country code, a contact person ID, a branch number, a customer classification, a customer name, a customer address, a region identification code, a telephone number, and a business place. No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and at least one of an account number, a waiver (month), a period (days), an extension, a maturity date, and a target amount corresponding to the account ledger. Periodic receipt information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 11A, an account ledger associated with the customer ledger (eg, an account ledger corresponding to a customer financial account opened to a customer) for providing the ledger-based financial IC card 400 service according to the present invention is provided. And a financial instrument identifier.

According to one embodiment of the invention, the financial instrument identifier is a financial IC card 400 issuance confirmation flag (for example, to the customer to identify whether the ledger-based financial IC card 400 according to the present invention has been issued to the customer) TRUE, if the issued financial IC card 400 includes at least one financial means associated with the financial account corresponding to the account ledger, TRUE. If the financial means (or payment means) is not included, it is preferable to include a FALSE, thereby making a predetermined IC card terminal 300 during a financial transaction through the ledger-based financial IC card 400 according to the present invention. In the case that the full message including the financial means information corresponding to the account ledger is received, the won according to the present invention to the corresponding customer through the financial IC card 400 issuance confirmation flag It is easy to check whether the chapter-based financial IC card 400 is issued.

According to another exemplary embodiment of the present invention, the financial instrument identifier may include IC card unique information associated with the financial IC card 400, whereby the ledger-based financial IC card 400 according to the present invention. In the case of a financial transaction through the IC card terminal 300, when a full message including the IC card unique information is received, the IC card issued to the customer based on the IC card unique information is based on the ledger according to the present invention. It can be easily confirmed that the financial IC card 400 is linked.

Here, the IC card unique information may include a chip serial number of the financial IC card 400, or may include at least one key value (or hash code) included in the financial IC card 400. The present invention is not limited thereto.

If a predetermined official certificate is provided in the financial IC card 400, the unique information of the IC card may include the public certificate copy number and / or public key copy information included in the public certificate. Or a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card 400, the IC card unique information is the card information (for example, credit card information, Check card information, debit card information, cash card information, etc.), and at least one biometric information for the customer is provided on the IC card, the IC card unique information is biometric information of the customer. It may be made to include, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the IC card may be provided with a predetermined financial means identifier for identifying that the ledger-based financial IC card 400 according to the present invention is associated with the IC card. In this case, the financial instrument identifier may include the financial instrument identifier provided in the financial IC card 400.

For example, the financial instrument identifier may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11a to infer an implementation method including the financial instrument identifier in another ledger including the customer ledger in addition to the account ledger. It will be appreciated that the present invention encompasses all of the inferred practice methods.

Referring to FIG. 11B, a predetermined bank account previously linked to the account ledger (eg, an account ledger corresponding to a customer financial account opened to a customer) to provide a ledger-based financial IC card 400 service according to the present invention. And a predetermined financial instrument identifier in the management information.

In FIG. 11B, the bank account management information basically includes at least one or more of an account number, a CIF number, a bank account number, an issue date, and a bank account balance. It is preferable that a predetermined financial means identifier is provided in the information structure. .

According to another exemplary embodiment of the present invention, the predetermined bankbook management information linked to the account ledger may include only the financial instrument identifier with the account number, CIF number, bank account number, issue date, and bank account balance omitted. The present invention is not limited thereto.

According to one embodiment of the invention, the financial instrument identifier is a financial IC card 400 issuance confirmation flag (for example, to the customer to identify whether the ledger-based financial IC card 400 according to the present invention has been issued to the customer) TRUE if the issued financial IC card 400 includes at least one financial means corresponding to the ledger, TRUE.The financial IC card 400 issued to the customer does not include the financial means corresponding to the ledger. If not, FALSE) is preferably included, whereby the financial means corresponding to the account ledger from the predetermined IC card terminal 300 during the financial transaction through the ledger-based financial IC card 400 according to the present invention When a full text including information is received, the ledger-based financial IC card 400 according to the present invention is issued to the corresponding customer through the financial IC card 400 issuance confirmation flag. You can easily check if there is.

According to another exemplary embodiment of the present invention, the financial instrument identifier may include unique information of the financial IC card 400, thereby making a financial transaction through the ledger-based financial IC card 400 according to the present invention. In the case where a full-text message including the IC card unique information is received from a predetermined IC card terminal 300, the IC card issued to the customer based on the IC card unique information is the ledger-based financial IC card 400 according to the present invention. Can be easily identified.

Here, the IC card unique information may include a chip serial number of the financial IC card 400, or may include at least one or more key values (or hash codes) included in the IC card. The present invention is not limited.

If a predetermined official certificate is provided in the financial IC card 400, the unique information of the IC card may include the public certificate copy number and / or public key copy information included in the public certificate. Or a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card 400, the IC card unique information is the card information (for example, credit card information, Check card information, debit card information, cash card information, etc.), and at least one biometric information for the customer is provided on the IC card, the IC card unique information is biometric information of the customer. It may be made to include, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the IC card may be provided with a predetermined financial means identifier for identifying that the ledger-based financial IC card 400 according to the present invention is associated with the IC card. In this case, the financial instrument identifier may include the financial instrument identifier provided in the financial IC card 400.

For example, the financial instrument identifier may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, cash card management information and / or debit card associated with the account ledger (or customer ledger) in addition to the bank account management information by referring to and / or modified in this figure 11b. An implementation method including the financial instrument identifier in management information and / or credit card management information and / or check card management information and / or electronic bank account management information and / or electronic money management information may be inferred. It includes all the inferred implementation method.

Referring to Figure 11c, in order to provide the ledger-based financial IC card 400 service according to the present invention, predetermined financial IC card 400 identification information including a predetermined financial instrument identifier is provided to the account ledger (for example, a customer). And an account ledger corresponding to the opened customer financial account.

In FIG. 11C, the financial IC card 400 identification information basically includes an account number, a CIF number, and a predetermined financial means identifier, and the account number and / or CIF number are omitted according to the intention of a person skilled in the art. It may be.

According to one embodiment of the invention, the financial instrument identifier is a financial IC card 400 issuance confirmation flag (for example, to the customer to identify whether the ledger-based financial IC card 400 according to the present invention has been issued to the customer) If the issued financial IC card 400 includes at least one financial means corresponding to the account ledger, TRUE.The financial means corresponding to the account ledger are included in the financial IC card 400 issued to the customer. If not, FALSE) is preferably included, whereby a financial transaction corresponding to the account ledger from a predetermined IC card terminal 300 during the financial transaction through the ledger-based financial IC card 400 according to the present invention. When the full text including the means information is received, the ledger-based financial IC card 400 according to the present invention is issued to the customer through the financial IC card 400 issuance confirmation flag. That can be easily resolved.

According to another exemplary embodiment of the present invention, the financial instrument identifier may include unique information of the financial IC card 400, thereby making a financial transaction through the ledger-based financial IC card 400 according to the present invention. In the case where a full-text message including the IC card unique information is received from a predetermined IC card terminal 300, the IC card issued to the customer based on the IC card unique information is the ledger-based financial IC card 400 according to the present invention. Can be easily confirmed.

Here, the IC card unique information may include a chip serial number of the financial IC card 400, or may include at least one or more key values (or hash codes) included in the IC card. The present invention is not limited.

If a predetermined official certificate is provided in the financial IC card 400, the IC card unique information may include the public certificate copy number and / or public key copy information included in the public certificate. Alternatively, when a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400, the IC card unique information is the card information (for example, credit card information). , Check card information, debit card information, cash card information, etc.), and when the IC card is provided with biometric information about the customer, the IC card unique information is the biometric information of the customer. It is possible to include information, and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the IC card may be provided with a predetermined financial means identifier for identifying that the ledger-based financial IC card 400 according to the present invention is associated with the IC card. In this case, the financial instrument identifier may include the financial instrument identifier provided in the financial IC card 400.

For example, the financial instrument identifier may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

12 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card 400 according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates at least one financial means such as opening a new financial account and issuing an electronic bank account to a customer visiting each branch of a financial institution, wherein any one of FIGS. 11a and / or 11b and / or 11c is used. Ledger-based financial IC card 400 issuance and information registration system constituting the ledger information as one or more, if one of ordinary skill in the art to which the present invention belongs, reference and / or modification When issuing at least one or more financial means such as opening a new financial account and issuing an electronic bank account to the customer, it is possible to infer various system configurations for issuing the ledger-based financial IC card 400 according to the present invention, and processing information registration for it. As will be appreciated, the invention includes all implementation methods inferred and are not limited by the implementation method illustrated in FIG. No.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, at least one including financial products, insurance products, securities and cash cards, in addition to at least one or more financial means issuance, such as opening the financial account and issuing an electronic bank account. Various forms for the host-based financial IC card 400 service according to the present invention in issuing other financial means and / or issuing at least one or more payment means including credit cards, check cards, debit cards, and prepaid cards. It is possible to infer the configuration of the financial IC card 400 issuance and information registration system, but the present invention includes all the system configuration inferred.

Hereinafter, a server (or device) for processing issuance and information registration of the ledger-based financial IC card 400 according to the present invention in connection with the teller terminal on the financial system is referred to as an "information registration server" for convenience.

Issuing and information registration system of the ledger-based financial IC card 400 is provided in each branch of the financial institution, the terminal terminal used by the teller of the branch, and connected to the terminal terminal through a predetermined financial network And an information registration server provided on a financial system of a financial institution, and a ledger D / B storing ledger information corresponding to a financial account opened to the customer.

The teller terminal receives predetermined customer information and predetermined financial IC card 400 issuance application information and / or financial means issuance application information from the customer for issuing the ledger-based financial IC card 400 according to the present invention. And the function of transmitting the customer information and the application information for issuing the financial IC card 400 and / or the means for issuing the financial means to the information registration server through the financial network. Includes information for selecting whether to issue a conventional IC chip-based financial IC card 400, or whether to receive a ledger-based financial IC card 400 according to the present invention.

Here, to issue the ledger-based financial IC card 400 according to the present invention, by connecting or including a predetermined financial instrument identifier to a predetermined ledger (or additional information associated with the ledger) corresponding to the financial account, When a predetermined IC card terminal 300 reads an IC card processed as having been issued with a financial IC card 400 corresponding to the account, and the validity thereof is confirmed, a financial instrument identifier is connected or included on the financial system. By transmitting the financial instrument information from the ledger to the IC card terminal 300, the financial instrument information is processed as if it were read from the financial IC card 400.

According to one embodiment of the invention, the customer is issued a financial IC card 400 issuance and / or financial means issuance application (for example, customer information items and financial IC card 400 issuance application information items and financial means issuance application Application form for the customer information and the financial IC card 400 by submitting the application form for issuing the financial IC card 400 and / or issuing the financial instrument to the counter staff. It is preferable to provide information and application information for issuing financial instruments to the counter terminal.

According to another embodiment of the present invention, the customer is a predetermined information input device associated with the teller terminal (for example, a predetermined screen output device to the customer information input items and financial IC card 400 issuance application information and financial means Outputting the information input interface screen including the issuance request information input item, and providing the information input item corresponding to the information input interface to the window terminal for inputting predetermined information to the information input item through a predetermined key input device); It is possible to provide the customer information, the application information for issuing the financial IC card 400 and the application for issuing financial means to the counter terminal, and thus, the present invention is not limited thereto.

In addition, the teller terminal reads predetermined IC card specific information from the financial IC card 400, and / or assigns a predetermined financial instrument identifier (and / or ledger interworking information and / or to the IC card according to another implementation method). And an IC card reader for recording the ledger linked storage information).

According to the method of the present invention, the teller terminal reads predetermined IC card unique information from the financial IC card 400 through the IC card reader, and the IC card unique information is stored in the customer information and the financial IC card ( 400) It is preferable to include in the application information for issuing application and application information for issuing financial means to the information registration server.

According to an embodiment of the present invention, the teller terminal receives a predetermined financial instrument identifier (and / or ledger interlocking information and / or ledger interlocking storage information) from the information registration server to access the IC card through the IC card reader. It is preferable to record in the IC card storage information storage area.

Referring to FIG. 12, the information registration server is an interface for connecting and managing at least one window terminal and application information for issuing the financial IC card 400 and a communication channel for issuing the financial IC card 400 through a predetermined financial network. And an information receiver for receiving predetermined customer information, financial IC card 400 issuance application information, and financial instrument issuance application information from the counter terminal in association with the interface unit, and the customer information and financial IC card 400. An information generator for generating at least one ledger information (eg, an account ledger) corresponding to a financial account opened to the customer based on the issuance application information and the financial means issuance application information; And an information storage unit for storing in the ledger D / B.

According to an embodiment of the present invention, in order to issue a ledger-based financial IC card 400 according to an embodiment of the present invention to a customer in which the new financial account is opened, the information registration server is received through the information receiving unit. An information checking unit for reading the application for issuing financial means and issuing the ledger-based financial IC card 400 according to the present invention, and issuing the ledger-based financial IC card 400 according to the present invention. In this case, the information generating unit preferably generates a financial means identifier to be cooperatively processed with the ledger information, and / or the information receiving unit preferably receives a predetermined financial means identifier from the teller terminal.

According to the method of the present invention, when the issuance of the ledger-based financial IC card 400 according to the present invention is requested corresponding to the financial account, the information storage unit is generated (or received). Storing the stored financial instrument identifier in the ledger information D / B and / or storing the generated financial instrument identifier in the ledger information D / B in association with the ledger information. It features.

The interface unit includes at least one or more window terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network) and application information for issuing predetermined financial IC card 400 and according to the present invention. It connects a predetermined communication channel for issuing the ledger-based financial IC card 400, characterized in that to maintain and manage the communication channel.

The communication channel connected to and managed by the interface unit with at least one window terminal is a communication channel connected between a financial system provided in the financial institution and at least one window terminal through a dedicated communication network. According to the present invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server. Corresponding professional structure) can be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the specialized protocol corresponding to the transaction protocol (and / or transaction protocol) adopted by the specific financial system. By) The present invention is not limited.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit may be configured to receive predetermined customer information, financial IC card 400 issuance application information, and financial instrument issuance application information from the counter terminal in conjunction with the interface unit. It is preferable that the information for confirming whether the issuance of the ledger-based financial IC card 400 according to the invention is requested is included.

The information confirmation unit reads the application information for issuing the financial means, characterized in that to determine whether to issue the ledger-based financial IC card 400 according to the present invention.

According to an exemplary embodiment of the present invention, when issuance of the ledger-based financial IC card 400 according to the present invention is requested corresponding to the financial account, the information receiver is the financial IC card 400. And receiving the predetermined IC card unique information corresponding to a), wherein the information storage unit defines the received IC card unique information as the financial means identifier and includes the ledger information in the ledger information D /. It may be stored in B, and / or stored in the ledger D / B in association with the ledger information.

According to the method of the present invention, the IC card unique information is read from the financial IC card 400 issued to the customer through the IC card reader provided in the window terminal is received by the information receiving unit through the interface unit. desirable.

According to one embodiment of the present invention, the IC card unique information received from the window terminal through the information receiving unit comprises a chip serial number of the financial IC card 400, or at least one included in the IC card. It is possible to include the above key value (or hash code), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when a predetermined official certificate is provided in the financial IC card 400, the unique information of the IC card may include the public certificate copy number and / or public key copy information included in the public certificate. Or the like, or when a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card 400, the IC card unique information is determined by the card. Information (eg, credit card information, check card information, debit card information, cash card information, etc.) may be included. At least one biometric information of the customer is provided on the IC card. The unique information may include the biometric information of the customer, and thus the present invention is not limited thereto.

According to the implementation method of the present invention, when issuing the ledger-based financial IC card 400 according to the present invention corresponding to the financial account as a result of the verification of the information verification unit, the information generating unit further adds a predetermined financial means identifier. The information storage unit may be configured to process the generated financial instrument identifier in association with the ledger information and store the same in the ledger D / B.

The information generating unit may further generate predetermined ledger interlocking information and / or ledger interlocking storage information according to the intention and / or implementation method of the person skilled in the art. The generated ledger interlocking information and / or ledger interlocking storage information Is provided to the teller terminal, and is recorded on the financial IC card 400.

FIG. 13 illustrates a relationship between financial IC card 400 stored information and ledger information provided in the ledger-based financial IC card 400 according to an embodiment of the present invention.

In more detail, FIG. 13 shows the financial IC card 400 stored information provided in the financial IC card 400 issued to operate based on the ledger through the financial IC card 400 issuance and information registration system shown in FIG. (Eg, financial IC card 400 application, application data, IC chip storage data, etc.) and financial instrument information (eg, financial account included in the account ledger corresponding to the customer financial account) stored in the ledger D / B on the financial system. Information and / or bank account information), specifically, in the state in which no storage information is provided in the storage information of the financial IC card 400 of the financial IC card 400, At least one or more financial means information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) is stored in the financial IC card 400. It shows an embodiment provided.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to store the financial IC card 400 according to the present invention and financial means information provided in the financial system (for example, a customer). Although various relationships between the financial account information and / or the bank account information included in the account ledger corresponding to the financial account may be inferred, the present invention includes all the inferred implementation methods, and the implementation illustrated in FIG. It is not limited to the method alone.

Here, the financial IC card 400 stored information (eg, the financial IC card 400 application, application data, IC chip storage data, etc.) included in the ledger-based financial IC card 400 may include at least one financial account information. Although illustrated as corresponding to an electronic bank account including, the present invention is not limited thereto, and the IC card storage information may correspond to at least one or more other financial means and / or payment means in addition to the electronic bank account. The present invention is not limited thereby.

Hereinafter, the IC card storage information corresponding to the electronic bank account provided in the financial IC card 400 is referred to as "electronic bank account storage information" in FIGS. 13A and 13B.

Referring to Figure 13, the IC card for ledger-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically It is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The electronic bank account storage information for the present invention is stored in an area except the protection area and the COS control area. desirable.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the electronic bank account storage information for the present invention also comprises such a file structure.

Referring to FIG. 13, the financial IC card 400 has only a storage area in which predetermined electronic bank account storage information can be stored, and null data is stored in the storage area (eg, electronic bank account in the storage area). Only a dedicated file corresponding to the storage information exists, and the element file is not stored). In this case, the IC card terminal 300 has a storage area in which the electronic bank account storage information can be stored in the IC card. It is possible to check whether the IC card is ledger-based financial IC card 400 according to the present invention based on whether or not.

According to another exemplary embodiment of the present invention, in addition to the presence of the storage area, various IC card unique information corresponding to the financial IC card 400 (for example, the chip serial number of the financial IC card 400, included in the IC card) When at least one key value (or hash code), public certificate number, public key copy information included in the public certificate, at least one card information, biometric information, etc.) is provided, the financial instrument identifier according to the present invention is provided. Ledger-based financial IC card 400 can be used as confirmation information, thereby the present invention is not limited.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a ledger-based financial IC card 400 service according to the present invention. When used as a means identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the public certificate copy information included in the official certificate number and / or the official certificate is based on the ledger according to the present invention. When used as a financial instrument identifier for providing the financial IC card 400 service, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400. The card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention. If the biometric information of the customer is provided on the IC card, the biometric information of the customer may be used as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

According to another embodiment of the present invention, the electronic bank account storage information itself may be omitted (not shown) in the IC card, whereby the present invention is not limited.

When the electronic bank account storage information itself is omitted in the IC card as described above, the chip serial number of the IC card and / or at least one key value (or hash code) included in the IC card is based on the ledger-based finance according to the present invention. Used as a financial instrument identifier for providing the IC card 400 service, or when a predetermined official certificate is provided in the IC card, the public certificate copy number and / or public key copy information included in the public certificate It is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention, or a predetermined card (for example, credit card, check card, debit card, cash card, etc.) When provided, the card information (eg, credit card information, check card information, debit card information, cash card information, etc.) to provide the ledger-based financial IC card 400 service according to the present invention It is used as a financial means identifier for the purpose, or when the biometric information for the customer is provided in the IC card, the biometric information of the customer as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention It can be used, thereby the present invention is not limited.

In the ledger-based financial transaction procedure using the ledger-based financial IC card 400 shown in FIG. 13, the financial instrument identifier (or electronic bank account identifier) from the financial IC card 400 in a predetermined IC card terminal 300 At least one financial instrument information (eg, a customer) that is stored and matched with the financial instrument identifier (or electronic bank account identifier) from the financial server and / or financial system based on the communication network based on the identification and extraction of the information. After extracting and receiving financial account information and / or bank account information included in the account ledger corresponding to the financial account, the extracted and received at least one financial means information (eg, included in the account ledger corresponding to the customer financial account) And at least one financial transaction through the financial account information and / or bank account information.

According to an embodiment of the present invention, the ledger-based financial transaction procedure using the ledger-based financial IC card 400, the operation of the IC card terminal 300 in the institution that issued the financial IC card 400 / By supplying, when the IC card terminal 300 is provided with a function of confirming and extracting information used as the financial instrument identifier (or electronic bank account identifier), the IC card terminal 300 includes the financial instrument identifier (or At least one financial instrument information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) stored in correspondence with the financial instrument identifier from a financial server and / or financial system through an electronic bank account identifier; ) Is preferably extracted and received to process at least one financial transaction.

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of checking and extracting information used as the financial instrument identifier in the financial institution card, the financial IC card 400 is connected to the third institution IC card terminal 300. Predetermined ledger interworking service for extracting and receiving at least one or more financial means information (e.g., financial account information and / or bankbook information included in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system The at least one financial instrument information (eg, the account corresponding to the customer financial account) from the financial server and / or the financial system that manages the ledger corresponding to the stored storage information (eg, the customer financial account (or electronic bank account). It is provided is included in the chief financial account information and / or account information) and the extracted financial IC card 400 application, the application for receiving data, IC chip stores data and the like) are preferred.

14A and 14B illustrate an IC card storage information structure for providing a ledger-based financial IC card 400 service in a third institution IC card terminal 300 according to an exemplary embodiment of the present invention.

More specifically, FIGS. 14A and 14B illustrate a ledger based system according to the present invention in a predetermined third institution IC card terminal 300 in the financial IC card 400 operating based on the ledger as shown in FIG. Financial IC card 400 service (e.g., at least one or more financial means information (e.g., in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system in the third institution IC card terminal 300 Manage the ledger corresponding to the storage information (for example, customer financial account (or electronic account)) for the ledger interlocking service for providing financial services information and / or account information) At least one financial instrument information (e.g., financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) from the financial server and / or financial system Financial IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving, specifically, FIG. 14A shows a ledger-based financial IC card 400 shown in FIG. ) Shows the information stored in the electronic bank account stored information for the ledger interworking service in the form of application data and / or IC chip storage data, and Figure 14b is a ledger-based financial IC card ( 400 is provided with the ledger interlocking storage information in the form of an IC card application is shown to be linked to the electronic bank account stored information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 14a and 14b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it would be possible to infer the storage information configuration for various ledger interlocking services for providing the ledger-based financial IC card 400 service in accordance with the present invention, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIGS. 14A and 14B.

Referring to FIG. 14A, the electronic bank account storage information included in the ledger-based financial IC card 400 shown in FIG. 13 includes only a predetermined IC card storage information storage area. Ledger in the form of application data and / or IC chip storage data corresponding to the storage information for the ledger interworking service to provide the ledger-based financial IC card 400 service according to the present invention in the third institution IC card terminal 300 of The interlocking information is provided.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, corresponding to the customer financial account) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system corresponding to the electronic bank account storage information. And at least one IC card terminal 300 to confirm that the financial account information and / or bank account information included in the account ledger is provided, wherein the IC card terminal 300 is configured as a third institution. In the case of the IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system.

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And the address information for accessing the financial server and / or the financial system provided with the financial account information and / or bank account information included in the account ledger corresponding to the third institution IC card terminal. 300, at least one or more financial means information (eg, customer finance) corresponding to the financial means identifier shown in FIG. 13 by accessing a financial server and / or a financial system corresponding to the electronic bank account storage information based on the address information. After extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the account; Diagnostic information to perform at least one banking transaction via the procedure (e.g., financial account information and / or account information included in the account ledger corresponding to the customer financial account).

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying a financial server and / or financial system with bankbook information), whereby the third institution IC card terminal 300 is configured to include the code. Access to a financial server and / or a financial system corresponding to the electronic bank account storage information based on the information (or number) and at least one or more financial means information (e.g., in a customer financial account) corresponding to the financial instrument identifier shown in FIG. After extracting and receiving financial account information and / or bank account information included in the corresponding ledger, the financial instrument information (eg, customer financial system) Through a financial account information and / or bank account information) contained in the account ledger corresponding to perform at least one banking procedures.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

Referring to FIG. 14B, the electronic bank account storage information included in the ledger-based financial IC card 400 shown in FIG. 13 includes only a predetermined IC card storage information storage area. In addition to the electronic bank account stored information, the predetermined third institution IC card terminal 300 for the ledger-based financial IC card 400 according to the present invention to provide the service through the financial IC card 400 for the ledger interlocking service The ledger interlocking storage information of the IC card application type corresponding to the storage information is provided, wherein the ledger interlocking storage information is processed in association with the electronic bankbook storage information and provided in the financial IC card 400.

According to an embodiment of the present invention, the ledger interlocking stored information is provided by the third institution IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention. An IC card application to be used at 300, wherein the ledger linked storage information is at least one or more financial means information corresponding to the electronic bank account stored information (at least one communication network in the third institution IC card terminal 300); For example, the application server includes predetermined ledger interworking information for accessing a financial server and / or a financial system provided with financial account information and / or bank account information included in an account ledger corresponding to a customer financial account. desirable.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, corresponding to the customer financial account) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system corresponding to the electronic bank account storage information. And at least one IC card terminal 300 to confirm that the financial account information and / or bank account information included in the account ledger is provided, wherein the IC card terminal 300 is configured as a third institution. In the case of the IC card terminal 300, the third institution IC card terminal 300 includes a function for identifying and accessing the financial server and / or the financial system.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an exemplary embodiment of the present invention, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial information corresponding to the electronic bankbook stored information through at least one or more communication networks in the third institution IC card terminal 300. And preferably address information for accessing a financial server and / or a financial system having means information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). By using the third institution IC card terminal 300 by accessing the financial server and / or financial system corresponding to the electronic bank account storage information based on the address information corresponding to the ledger interlocking information using the ledger interlocking storage information; At least one financial instrument information corresponding to the financial instrument identifier illustrated in FIG. After extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial instrument information (eg, the financial account information included in the account ledger corresponding to the customer financial account) and / Or at least one financial transaction procedure).

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

In addition, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial means information (eg, an account corresponding to a customer financial account) corresponding to the electronic bankbook stored information in the third institution IC card terminal 300. It is preferable to include predetermined code information (or number) for identifying the financial server and / or financial system having the financial account information and / or bank account information included in the ledger, thereby the third institution IC The card terminal 300 accesses the financial server and / or the financial system corresponding to the electronic bank account storage information based on the code information (or number) corresponding to the ledger interworking information using the ledger interlocking storage information. At least one financial instrument information (eg, an account corresponding to a customer financial account) corresponding to the financial instrument identifier shown in FIG. After extracting and receiving the financial account information and / or bank account information included in the chapter, at least through the financial means information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) Perform one or more financial transaction procedures.

For example, the code information (or number) included in the ledger interworking information may be a bank code (eg, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

15 is a diagram illustrating a relationship between financial IC card 400 stored information and ledger information provided in the ledger-based financial IC card 400 according to another embodiment of the present invention.

More specifically, FIG. 15 shows the financial IC card 400 stored information provided in the financial IC card 400 issued to operate based on the ledger through the financial IC card 400 issuance and information registration system shown in FIG. (Eg, financial IC card 400 application, application data, IC chip storage data, etc.) and financial instrument information (eg, financial account included in the account ledger corresponding to the customer financial account) stored in the ledger D / B on the financial system. Information and / or bankbook information), specifically, a predetermined serial number used as a predetermined financial instrument identifier is stored in the financial IC card 400 stored information of the financial IC card 400. At least one financial means information corresponding to the financial IC card 400 stored information in the financial system (eg, a financial account account included in an account ledger corresponding to a customer financial account). The embodiment shows equipped with and / or account information).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 15 to understand various relationships between financial IC card 400 storage information and ledger information provided in the financial system. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Here, the financial IC card 400 stored information (eg, the financial IC card 400 application, application data, IC chip storage data, etc.) included in the ledger-based financial IC card 400 may include at least one financial account information. Although illustrated as corresponding to an electronic bank account including, the present invention is not limited thereto, and the IC card storage information may correspond to at least one or more other financial means and / or payment means in addition to the electronic bank account. The present invention is not limited thereby.

Hereinafter, the IC card storage information corresponding to the electronic bank account provided in the financial IC card 400 is referred to as "electronic bank account storage information" in FIGS. 13A and 13B.

Referring to Figure 15, the IC card for the ledger-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically open Is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The electronic bank account storage information for the present invention is stored in an area except the protection area and the COS control area. desirable.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the electronic bank account storage information for the present invention also comprises such a file structure.

Referring to FIG. 15, the electronic bank account storage information includes an information file for storing a predetermined serial number, and the serial number of the electronic bank account storage information is used for the ledger-based financial IC card 400 service according to the present invention. It is preferably used as a financial instrument identifier to provide.

According to another exemplary embodiment of the present invention, the electronic bank account storage information may include, in addition to the IC card serial number, various IC card unique information corresponding to the financial IC card 400 (for example, the chip serial number of the financial IC card 400, At least one key value (or hash code) included in the IC card, public certificate number, public key copy information included in the public certificate, at least one card information, biometrics, etc.) is provided, ledger-based finance according to the present invention The IC card 400 may be used as a financial instrument identifier for providing a service, and the present invention is not limited thereto.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a ledger-based financial IC card 400 service according to the present invention. When used as a means identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the public certificate copy information included in the official certificate number and / or the official certificate is based on the ledger according to the present invention. When used as a financial instrument identifier for providing the financial IC card 400 service, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400. The card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention. If the biometric information of the customer is provided on the IC card, the biometric information of the customer may be used as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

The ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400 shown in FIG. 15 is performed from the financial IC card 400 to the financial instrument identifier at a predetermined IC card terminal 300. Identifying and extracting the information used, and based on the information, at least one or more financial means information (e.g., in the account ledger corresponding to the customer's financial account) that is stored and matched with the financial instrument identifier from the financial server and / or the financial system through a communication network. After extracting and receiving the included financial account information and / or bank account information, the financial account information and / or bank account included in the account ledger corresponding to the customer financial account (eg, at least one or more financial means information) Information) and at least one financial transaction (or electronic payment).

According to the implementation method of the present invention, the ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400, the IC card terminal (at the institution that issued the financial IC card 400) By operating / supplying 300, if the IC card terminal 300 is provided with a function of checking and extracting information used as the financial means identifier, the IC card terminal 300 finances through the financial means identifier. Extract and receive at least one financial instrument information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) from the server and / or the financial system and stored at least in accordance with the financial instrument identifier; It is desirable to process one or more financial transactions (or electronic payments).

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of checking and extracting information used as the financial instrument identifier in the financial institution card, the financial IC card 400 is connected to the third institution IC card terminal 300. Predetermined ledger interworking service for extracting and receiving at least one or more financial means information (e.g., financial account information and / or bankbook information included in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system At least one or more financial means information (e.g., an account corresponding to a customer's financial account) from a financial server and / or a financial system that manages the ledger corresponding to the stored information (e.g., the customer's financial account (or electronic bank account) Financial IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving financial account information and / or bank account information included in the ledger is preferably provided.

16A and 16B illustrate an IC card storage information structure for providing a ledger-based financial IC card 400 service in a third institution IC card terminal 300 according to another exemplary embodiment of the present invention.

More specifically, FIGS. 16A and 16B illustrate a ledger based system according to the present invention in a predetermined third institution IC card terminal 300 in the financial IC card 400 operating based on the ledger as shown in FIG. 15. Financial IC card 400 service (e.g., at least one or more financial means information (e.g., in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system in the third institution IC card terminal 300 Corresponding to the stored information (for example, customer financial account (or electronic bank account)) for ledger linked service to provide financial services (or electronic payment) service by extracting and receiving the received financial account information and / or bank account information) At least one financial instrument information (for example, financial account information included in the account ledger corresponding to the customer financial account and / or from the financial server and / or the financial system managing the ledger) Shows an implementation method including the financial IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving bankbook information). Specifically, FIG. 16A is based on the ledger shown in FIG. FIG. 16B shows the ledger interworking service storage information in the form of application data and / or IC chip storage data in the electronic bank account storage information provided in the financial IC card 400. FIG. Based on the IC card application 400 is provided with the integrated ledger storage information of the IC card application form shows that the electronic bank account stored in connection with the information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 16a and 16b to designate a third third party IC card terminal for the financial IC card 400 shown in FIG. In 300, it would be possible to infer the storage information configuration for various ledger interlocking services for providing the ledger-based financial IC card 400 service in accordance with the present invention, the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIGS. 16A and 16B only.

Referring to FIG. 16A, the electronic bank account storage information provided in the ledger-based financial IC card 400 shown in FIG. 15 includes an information file for storing a predetermined serial number. Application data and / or IC chip storage corresponding to the storage information for the ledger interlocking service for providing the ledger-based financial IC card 400 service according to the present invention in a predetermined third institution IC card terminal 300 in addition to the serial number. The ledger interworking information in the form of data is provided.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, corresponding to the customer financial account) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system corresponding to the electronic bank account storage information. And at least one IC card terminal 300 to confirm that the financial account information and / or bank account information included in the account ledger are provided, wherein the IC card terminal 300 is configured to perform a third check. In the case of the institutional IC card terminal 300, the third institutional IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system.

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And the address information for accessing the financial server and / or the financial system provided with the financial account information and / or bank account information included in the account ledger corresponding to the third institution IC card terminal. 300, at least one or more financial means information (eg, customer finance) corresponding to the financial means identifier shown in FIG. 15 by accessing a financial server and / or a financial system corresponding to the electronic bank account storage information based on the address information. The financial account information and / or bank account information included in the account ledger corresponding to the account; However, at least one financial transaction (or electronic payment) procedure is performed through the information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account).

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying a financial server and / or financial system with bankbook information), whereby the third institution IC card terminal 300 is configured to include the code. Access to a financial server and / or a financial system corresponding to the electronic bank account storage information based on the information (or number) and at least one or more financial means information (e.g., in a customer financial account) corresponding to the financial instrument identifier shown in FIG. After extracting and receiving financial account information and / or bank account information included in the corresponding ledger, the financial instrument information (eg, customer financial account) At least one financial transaction (or electronic payment) procedure through financial account information and / or bank account information included in the corresponding account ledger.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

Referring to FIG. 16B, the electronic bank account storage information provided in the ledger-based financial IC card 400 shown in FIG. 15 includes an information file for storing a predetermined serial number. In addition to the electronic bank account stored information, the ledger interlocking service to provide a predetermined ledger IC card 400 according to the present invention through the financial IC card 400 in a predetermined third institution IC card terminal 300 Ledger interlocked storage information in the form of an IC card application corresponding to the storage information for the application is provided, the ledger interlocked storage information is provided in the financial IC card 400 is processed in association with the electronic bankbook storage information.

According to an embodiment of the present invention, the ledger interlocking stored information is provided by the third institution IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention. An IC card application to be used at 300, wherein the ledger linked storage information is at least one or more financial means information corresponding to the electronic bank account stored information (at least one communication network in the third institution IC card terminal 300); For example, the application server includes predetermined ledger interworking information for accessing a financial server and / or a financial system provided with financial account information and / or bank account information included in an account ledger corresponding to a customer financial account. desirable.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, corresponding to the customer financial account) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system corresponding to the electronic bank account storage information. And at least one IC card terminal 300 to confirm that the financial account information and / or bank account information included in the account ledger is provided, wherein the IC card terminal 300 is configured as a third institution. In the case of the IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an exemplary embodiment of the present invention, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial information corresponding to the electronic bankbook stored information through at least one or more communication networks in the third institution IC card terminal 300. It is preferable to include address information for accessing a financial server and / or a financial system having means information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account), Accordingly, the third institution IC card terminal 300 accesses the financial server and / or the financial system corresponding to the electronic bank account storage information based on the address information corresponding to the ledger interworking information using the ledger interlocking storage information. Thus, at least one financial instrument information (eg, corresponding to the financial instrument identifier shown in FIG. After extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial instrument information (eg, the financial account information included in the account ledger corresponding to the customer financial account) and / Or at least one financial transaction (or electronic payment) procedure through bank account information.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

In addition, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial means information (eg, an account corresponding to a customer financial account) corresponding to the electronic bankbook stored information in the third institution IC card terminal 300. It is preferable to include predetermined code information (or number) for identifying the financial server and / or financial system having the financial account information and / or bank account information included in the ledger, thereby the third institution IC The card terminal 300 accesses the financial server and / or the financial system corresponding to the electronic bank account storage information based on the code information (or number) corresponding to the ledger interworking information using the ledger interlocking storage information. At least one financial instrument information (eg, an account corresponding to a customer financial account) corresponding to the financial instrument identifier shown in FIG. After extracting and receiving the financial account information and / or bank account information included in the ledger, at least through the financial means information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) Perform one or more financial transaction (or electronic payment) procedures.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

FIG. 17 is a diagram illustrating a relationship between financial IC card 400 storage information and ledger information provided in the ledger-based financial IC card 400 according to another embodiment of the present invention.

In more detail, FIG. 17 shows the financial IC card 400 stored information provided in the financial IC card 400 issued to operate based on the ledger through the issuance and information registration system of the financial IC card 400 shown in FIG. (Eg, financial IC card 400 application, application data, IC chip storage data, etc.) and financial instrument information (eg, financial account included in the account ledger corresponding to the customer financial account) stored in the ledger D / B on the financial system. As one embodiment showing the relationship between the information and / or bank account information, specifically, at least one or more financial means information (eg, customer finance) is stored in the financial IC card 400 stored information of the financial IC card 400. Financial account information and / or bank account information included in the account ledger corresponding to the account is provided, and the remaining financial means information corresponding to the financial IC card 400 storage information in the financial system (for example, For, it shows an embodiment equipped with a financial account information and / or account information) included in the account ledger corresponding to the customer financial account.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 17 to understand various relationships between financial IC card 400 storage information and ledger information provided in the financial system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Here, the financial IC card 400 stored information (eg, the financial IC card 400 application, application data, IC chip storage data, etc.) included in the ledger-based financial IC card 400 may include at least one financial account information. Although illustrated as corresponding to an electronic bank account including, the present invention is not limited thereto, and the IC card storage information may correspond to at least one or more other financial means and / or payment means in addition to the electronic bank account. The present invention is not limited thereby.

Hereinafter, the IC card storage information corresponding to the electronic bank account provided in the financial IC card 400 is referred to as "electronic bank account storage information" in FIGS. 13A and 13B.

Referring to Figure 17, the IC card for ledger-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically It is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The electronic bank account storage information for the present invention is stored in an area except the protection area and the COS control area. desirable.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the electronic bank account storage information for the present invention also comprises such a file structure.

Referring to FIG. 17, the electronic bank account storage information may include program files and / or information corresponding to at least one or more financial means information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). Including the file, at least one financial instrument identifier (or ledger interworking information) may be further included to provide the ledger-based financial IC card 400 service according to the present invention.

Here, the financial instrument identifier may include a predetermined serial number, the financial instrument identifier is omitted directly in the electronic bank account storage information, and the various IC card unique information provided in the financial IC card 400 (for example, financial Chip serial number of the IC card 400, at least one key value (or hash code) included in the IC card, the public certificate number, public key copy information included in the public certificate, at least one card information, biometric information, etc.) May be used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a ledger-based financial IC card 400 service according to the present invention. When used as a means identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the public certificate copy information included in the official certificate number and / or the official certificate is based on the ledger according to the present invention. When used as a financial instrument identifier for providing the financial IC card 400 service, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400. The card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention. If the biometric information of the customer is provided on the IC card, the biometric information of the customer may be used as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

Here, the basic function of the ledger interworking information is at least one or more financial means information corresponding to the electronic bank account storage information to a predetermined financial server and / or financial system corresponding to the electronic bank account storage information (eg, in a customer financial account). And at least one IC card terminal 300 confirming that the financial account information and / or bank account information included in the corresponding account ledger are provided.

According to another embodiment of the present invention, the financial instrument identifier in the electronic bank account storage information shown in FIG. 17 is replaced by a null value (or omitted) as shown in FIG. The present invention is not limited thereto.

According to another embodiment of the present invention, the financial instrument identifier included in the electronic bank account storage information shown in FIG. 17 further performs the function of the ledger interworking information according to the present invention according to the intention of a person skilled in the art of practicing the present invention. , And / or ledger interworking information included in the electronic bank account storage information may further perform the function of the financial instrument identifier according to the present invention, whereby the present invention is not limited.

That is, in the case where at least one financial means information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) is included in the electronic bank account storage information, The means identifier (or ledger interworking information) is merely a means for efficiently explaining various implementation methods provided in the electronic bank account storage information, and thus the present invention is not limited thereto.

Ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400 shown in Figure 17, at least one or more financial means from the financial IC card 400 in a predetermined IC card terminal 300 After extracting the information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), the financial IC card 400 is associated with the electronic bank account storage information (or the electronic bank account storage). By checking the financial instrument identifier (or ledger interlocking information) included in the information, the financial instrument information (eg, financial account information included in the account ledger corresponding to the customer financial account) extracted from the financial IC card 400. And / or bank account information), at least one or more financial means information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) may be provided in a predetermined financial server. / Or comprise to make sure that is provided in the financial system.

If at least one financial instrument information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) is provided in a predetermined financial server and / or financial system, the IC card terminal ( Financial account information and / or information contained in at least one financial instrument information (eg, account ledger corresponding to a customer financial account) corresponding to a financial instrument identifier (or ledger interlocking information) from the financial server and / or financial system at 300 After extracting and receiving the bankbook information, at least one or more financial means through the extracted and received at least one financial means information (for example, financial account information and / or bank account information contained in the account ledger corresponding to the customer financial account) It is preferable to include processing a transaction (or electronic payment).

According to the implementation method of the present invention, the ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400, the IC card terminal (at the institution that issued the financial IC card 400) By operating / supplying 300, when the IC card terminal 300 is provided with a function of checking and extracting information used as the financial instrument identifier (or ledger interworking information), the IC card terminal 300 performs the operation. At least one financial instrument information (for example, financial account information included in an account ledger corresponding to a customer financial account) stored in a financial instrument identifier (or ledger interlocking information) and matched with the financial instrument identifier from a financial server and / or financial system. And / or passbook information) to process at least one financial transaction (or electronic payment).

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of checking and extracting information used as the financial instrument identifier in the financial institution card, the financial IC card 400 is connected to the third institution IC card terminal 300. Predetermined ledger interworking service for extracting and receiving at least one or more financial means information (e.g., financial account information and / or bankbook information included in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system The at least one financial instrument information (eg, the account corresponding to the customer financial account) from the financial server and / or the financial system that manages the ledger corresponding to the stored storage information (eg, the customer financial account (or electronic bank account). It is provided is included in the chief financial account information and / or account information) and the extracted financial IC card 400 application, the application for receiving data, IC chip stores data and the like) are preferred.

18A and 18B illustrate an IC card storage information structure for providing a ledger-based financial IC card 400 service in a third institution IC card terminal 300 according to another exemplary embodiment of the present invention.

In more detail, Figure 18a and Figure 18b is a financial IC card 400 that operates based on the ledger as shown in Figure 17, the ledger-based according to the present invention in a predetermined third institution IC card terminal 300 Financial IC card 400 service (e.g., at least one or more financial means information (e.g., in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system in the third institution IC card terminal 300 Corresponding to the stored information (for example, customer financial account (or electronic bank account)) for ledger linked service to provide financial services (or electronic payment) service by extracting and receiving the received financial account information and / or bank account information) At least one financial instrument information (for example, financial account information included in the account ledger corresponding to the customer financial account and / or from the financial server and / or the financial system managing the ledger) Shows an implementation method with a financial IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving bankbook information), specifically, FIG. 18A is based on the ledger shown in FIG. FIG. 18B shows the ledger interworking service storage information in the form of application data and / or IC chip storage data in the electronic bank account storage information provided in the financial IC card 400. FIG. 18B illustrates the ledger shown in FIG. Based on the IC card 400, the integrated ledger storage information in the form of an IC card application is provided, which is linked with the electronic bank account storage information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 18a and 18b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it would be possible to infer the storage information configuration for various ledger interlocking services for providing the ledger-based financial IC card 400 service in accordance with the present invention, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIGS. 18A and 18B.

Referring to FIG. 18A, the electronic bank account storage information may include program files and / or information corresponding to at least one or more financial means information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). And a file, wherein the electronic bank account storage information includes a predetermined third institution IC card terminal (in addition to the financial instrument information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). In 300, the ledger interlocking information in the form of application data and / or IC chip stored data corresponding to the stored information for the ledger interlocking service is further provided to provide the ledger-based financial IC card 400 service according to the present invention. It is done.

Here, the basic function of the ledger interlocking information is at least one financial means information corresponding to the electronic bank account storage information to a predetermined financial server and / or financial system corresponding to the electronic bank account storage information as shown in FIG. (Eg, financial account information and / or bank account information included in the account ledger corresponding to the customer's financial account) is included in the at least one IC card terminal 300, the check is made, the IC card When the terminal 300 is the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system.

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And the address information for accessing the financial server and / or the financial system provided with the financial account information and / or bank account information included in the account ledger corresponding to the third institution IC card terminal. 300, at least one or more financial means information (e.g., customer finance) corresponding to the financial instrument identifier shown in FIG. 17 by accessing a financial server and / or a financial system corresponding to the electronic bank account storage information based on the address information. After extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the account; However information is performed (for example, a financial account information and / or account information included in the account ledger corresponding to the customer financial account) at least one or more financial transactions (or e-payment) through procedures.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying a financial server and / or financial system with bankbook information), whereby the third institution IC card terminal 300 is configured to include the code. Accessing a financial server and / or a financial system corresponding to the electronic bank account storage information based on the information (or number) and at least one financial instrument information (e.g., in a customer financial account) corresponding to the financial instrument identifier shown in FIG. After extracting and receiving financial account information and / or bank account information included in the corresponding ledger, the financial instrument information (eg, customer financial system) Through a financial account information and / or bank account information) contained in the account ledger corresponding to perform at least one banking (or electronic payments) procedure.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

Referring to FIG. 18B, the electronic bank account storage information may include program files and / or information corresponding to at least one or more financial means information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). Including the file, the financial IC card 400 is a ledger-based financial IC according to the present invention through the financial IC card 400 in a predetermined third institution IC card terminal 300 in addition to the electronic bank account storage information In order to provide a card 400 service, the ledger interlocking storage information of the IC card application type corresponding to the storage information for the ledger interlocking service is provided, wherein the ledger interlocking storage information is linked with the electronic bankbook storage information. The card is processed and provided in the financial IC card 400.

According to an embodiment of the present invention, the ledger interlocking stored information is provided by the third institution IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention. An IC card application to be used at 300, wherein the ledger linked storage information is at least one or more financial means information corresponding to the electronic bank account stored information (at least one communication network in the third institution IC card terminal 300); For example, the application server includes predetermined ledger interworking information for accessing a financial server and / or a financial system provided with financial account information and / or bank account information included in an account ledger corresponding to a customer financial account. desirable.

Here, the basic function of the ledger interlocking information is at least one financial means information corresponding to the electronic bank account storage information to a predetermined financial server and / or financial system corresponding to the electronic bank account storage information as shown in FIG. (Eg, financial account information and / or bank account information included in the account ledger corresponding to the customer's financial account) is included in the at least one IC card terminal 300, the check is made, the IC card When the terminal 300 is the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an exemplary embodiment of the present invention, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial information corresponding to the electronic bankbook stored information through at least one or more communication networks in the third institution IC card terminal 300. And preferably address information for accessing a financial server and / or a financial system having means information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). By using the third institution IC card terminal 300 by accessing the financial server and / or financial system corresponding to the electronic bank account storage information based on the address information corresponding to the ledger interlocking information using the ledger interlocking storage information; At least one financial instrument information corresponding to the financial instrument identifier shown in FIG. After extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial instrument information (eg, the financial account information included in the account ledger corresponding to the customer financial account) and / Or at least one financial transaction (or electronic payment) procedure through bank account information.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

In addition, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial means information (eg, an account corresponding to a customer financial account) corresponding to the electronic bankbook stored information in the third institution IC card terminal 300. It is preferable to include predetermined code information (or number) for identifying the financial server and / or financial system having the financial account information and / or bank account information included in the ledger, thereby the third institution IC The card terminal 300 accesses the financial server and / or the financial system corresponding to the electronic bank account storage information based on the code information (or number) corresponding to the ledger interworking information using the ledger interlocking storage information. At least one financial instrument information corresponding to the financial instrument identifier shown in FIG. 17 (eg, an account corresponding to a customer financial account) After extracting and receiving the financial account information and / or bank account information included in the chapter, at least through the financial means information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) Perform one or more financial transaction (or electronic payment) procedures.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

19A and 19B illustrate a process of issuing a ledger-based financial IC card 400 according to an embodiment of the present invention.

More specifically, Figures 19a and 19b are in the process of linking and storing the financial instrument identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card 400 according to the present invention Specifically, FIG. 19A relates to an implementation method of generating a predetermined financial instrument identifier in the information registration server, and FIG. 19B generates a predetermined financial instrument identifier in the information registration server, and finances the financial instrument identifier. It relates to a method of recording on the IC card 400.

Those skilled in the art to which the present invention pertains can refer to various examples of processing the issuance of the ledger-based financial IC card 400 according to the present invention by referring to and / or modifying the drawings 19a and 19b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 19A and 19B.

In the following Figures 19A and 19B, the information registration server shown in Figure 12 is referred to as "server" for convenience.

Referring to FIG. 19A, a customer prepares a predetermined financial account and prepares an application form for issuing a financial IC card 400 and provides it to a window employee, thereby providing predetermined customer information, application information for issuing a financial IC card 400, and application for issuing financial means. Provided to the counter terminal, and / or inputs predetermined customer information, application information for issuing the financial IC card 400, and application for issuing financial means through the predetermined information input device (1900a).

The window terminal receiving the customer information, the application information for issuing the financial IC card 400 and the application for issuing the financial means is requested for the customer information and the application for issuing the financial IC card 400 and the financial means through a predetermined financial network. The information is sent to the server (1905a).

The server may include at least one ledger information (eg, opening a financial account) for opening a financial account to the customer based on the customer information received from the window terminal, the application information for issuing the financial IC card 400, and the application for issuing financial means. And at least one additional ledger for the at least one additional information associated with each ledger as necessary) (1910a).

In addition, the server checks the request for issuance of the ledger-based financial IC card 400 (and / or ledger-based financial means) according to the present invention by reading the financial instrument issuing application information (1915a).

If the check result is not requested from the customer issuing the ledger-based financial IC card 400 according to the present invention (1920a), the server performs a conventional IC chip-based financial IC card 400 issuance and financial means issuance procedure. (1925a).

On the other hand, if the result of the check is requested to issue the ledger-based financial IC card 400 according to the present invention (1920a), the server provides the customer information, the financial IC card 400 issuance application information and financial means issuance application information. As a result, a predetermined financial means identifier corresponding to the financial IC card 400 to be issued to the customer is generated (1930a).

When the financial instrument identifier is extracted and / or generated as described above, the server stores the financial instrument identifier in the ledger information as shown in FIGS. 11A and / or 11B and / or 11C, or stores the linked financial instrument identifier (1935a). In step 1940a, the financial IC card issuance and financial means issuance results are transmitted to the counter terminal through the financial network.

According to an embodiment of the present invention, at least one or more financial means information (for example, a financial account included in an account ledger corresponding to a customer financial account) is provided on the financial IC card 400 as shown in FIGS. 17 and / or 18a to 18b. Information and / or bankbook information) is provided, the financial IC card issuance and financial means issuance results provided to the teller terminal is provided at least one or more financial to be provided in the financial IC card (400) Preferably, the method further includes means information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account).

Thereafter, the teller terminal receiving the financial IC card issuance and financial instrument issuance result issues the ledger-based financial IC card 400 according to the present invention to the customer (1945).

According to an embodiment of the present invention, when the ledger-based financial IC card 400 includes a null value in the electronic bank account storage information as shown in FIGS. 13 and / or 14a to 14b, the teller terminal sets the null value. Issuing a ledger-based IC card to the customer, and allowing the predetermined third IC card terminal 300 to process at least one financial transaction based on the ledger-based financial IC card 400. The terminal further records predetermined host interworking information and / or host interlocking storage information as shown in FIGS. 13 and / or 14a to 14b on the ledger-based financial IC card 400 through the IC card reader. It is preferable.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated by the server (or extracted from a predetermined database) and included in the financial IC card issuance and financial instrument issuance results provided to the teller terminal, and then recorded in the ledger-based financial IC card 400. Do.

According to another embodiment of the present invention, the ledger-based financial IC card 400 includes predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 15 and / or 16a to 16b. In this case, the teller terminal records and issues the financial instrument identifier to the financial IC card 400 through a predetermined IC card reader, and the ledger-based financial IC card in the predetermined third IC card terminal 300. In order to process at least one financial transaction based on 400, the teller terminal is connected to the ledger-based financial IC card 400 via the IC card reader as shown in FIGS. 15 and / or 16a to 16b. It is preferable to further record the predetermined host interworking information and / or the host interlocking storage information as described above.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated by the server (or extracted from a predetermined database) and included in the financial IC card issuance and financial instrument issuance results provided to the teller terminal, and then recorded in the ledger-based financial IC card 400. Do.

According to another embodiment of the present invention, the ledger-based financial IC card 400 may include at least one or more financial means information (eg, customer finance) in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b. When the financial account information and / or bank account information included in the account ledger corresponding to the account is included, the teller terminal transmits the financial instrument information (for example, the account ledger corresponding to the customer financial account) through a predetermined IC card reader. Financial account information and / or bank account information included) is recorded on the financial IC card 400 and issued.

In addition, when the ledger-based financial IC card 400 includes the predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b, The financial means identifier is recorded on the financial IC card 400 and issued through a predetermined IC card reader.

In addition, the teller terminal is configured to process at least one financial transaction based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 through the ledger-based financial IC through the IC card reader. The card 400 further records and issues predetermined host interworking information and / or host interlocking storage information as shown in Figs. 17 and / or 18a to 18b.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated by the server (or extracted from a predetermined database) and included in the financial IC card issuance and financial instrument issuance results provided to the teller terminal, and then recorded in the ledger-based financial IC card 400. Do.

Referring to FIG. 19B, a customer prepares a predetermined financial account and prepares an application form for issuing a financial IC card 400 and provides it to a window employee, thereby providing predetermined customer information, application information for issuing a financial IC card 400, and application for issuing financial means. Provided to the counter terminal, and / or inputs predetermined customer information, application information for issuing financial IC card 400, and application for issuing financial means through a predetermined information input device to provide the counter terminal (1900b). .

The window terminal receiving the customer information, the application information for issuing the financial IC card 400 and the application for issuing the financial means is requested for the customer information and the application for issuing the financial IC card 400 and the financial means through a predetermined financial network. The information is sent to the server (1905b).

The server may include at least one ledger information (eg, opening a financial account) for opening a financial account to the customer based on the customer information received from the window terminal, the application information for issuing the financial IC card 400, and the application for issuing financial means. At least one or more ledgers, and at least one or more additional information associated with each ledger as necessary) (1910b).

In addition, the server checks the request for issuance of the ledger-based financial IC card 400 (and / or ledger-based financial means) according to the present invention by reading the financial instrument issuing application information (1915b).

If the check result is not requested from the customer issuance of the ledger-based financial IC card 400 according to the present invention (1920b), the server performs a conventional IC chip-based financial IC card 400 issuance and financial means issuance procedure. (1925b).

On the other hand, if the check result is requested to issue the ledger-based financial IC card 400 according to the present invention from the customer (1920b), the server generates a predetermined financial means identifier to be stored in the financial IC card 400 (1950b). ).

Subsequently, the server stores the generated financial means identifier in the ledger information as shown in FIGS. 11A and / or 11B and / or 11C (1955b), and then stores the generated financial instrument identifier in the ledger information through the financial network. The financial instrument identifier and the financial IC card issuance and financial instrument issuance result are transmitted (1960b).

According to an embodiment of the present invention, at least one or more financial means information (for example, a financial account included in an account ledger corresponding to a customer financial account) is provided on the financial IC card 400 as shown in FIGS. 17 and / or 18a to 18b. Information and / or bankbook information) is provided, the financial IC card issuance and financial means issuance results provided to the teller terminal is provided at least one or more financial to be provided in the financial IC card (400) Preferably, the method further includes means information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account).

In addition, the IC card terminal 300 issues the financial IC card 400 to the customer by recording the financial means identifier received through the financial network as the IC card storage information of the financial IC card 400 ( 1965b).

According to an embodiment of the present invention, the ledger-based financial IC card 400 includes predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 15 and / or 16a to 16b. In this case, the teller terminal records and issues the financial instrument identifier to the financial IC card 400 through a predetermined IC card reader, and at the predetermined third IC card terminal 300, the ledger-based financial IC card ( In order to process at least one financial transaction on the basis of the reference numeral 400, the teller terminal is connected to the ledger-based financial IC card 400 through the IC card reader as shown in FIGS. 15 and / or 16A to 16B. It is preferable to further record the same predetermined host interworking information and / or host interlocking storage information.

Here, the host interworking information and / or the host interlocking storage information are generated in the server (or extracted from a predetermined database) and included in the financial IC card issuing and financial means issuing result and provided to the counter terminal, and then the ledger-based It is preferable to be recorded in the financial IC card 400, or may be generated in the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded in the ledger-based financial IC card 400. Do.

According to another embodiment of the present invention, the ledger-based financial IC card 400 may include at least one financial means information (eg, a customer financial account) in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b. When the financial account information and / or bank account information included in the account ledger corresponding to the bank account information is included, the teller terminal is included in the financial instrument information (for example, the account ledger corresponding to the customer financial account) through a predetermined IC card reader. Financial account information and / or bank account information) is recorded on the financial IC card 400 and issued.

In addition, when the ledger-based financial IC card 400 includes the predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b, The financial instrument identifier is recorded on the financial IC card 400 and issued through a predetermined IC card reader.

In addition, the teller terminal is configured to process at least one financial transaction based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 through the ledger-based financial IC through the IC card reader. The card 400 further records and issues predetermined host interworking information and / or host interlocking storage information as shown in Figs. 17 and / or 18a to 18b.

Here, the host interworking information and / or the host interlocking storage information are generated in the server (or extracted from a predetermined database) and included in the financial IC card issuing and financial means issuing result and provided to the counter terminal, and then the ledger-based It is preferable to be recorded on the financial IC card 400, or may be generated in the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Do.

20 is a diagram illustrating a process of issuing a ledger-based financial IC card 400 according to another embodiment of the present invention.

More specifically, Fig. 20 uses the unique information of the financial IC card 400 as the financial means identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card 400 according to the present invention. As a process of storing and linking, if the person having ordinary knowledge in the technical field to which the present invention belongs, the issuer of the ledger-based financial IC card 400 according to the present invention is issued by referring to and / or modifying the drawing 20. In order to include the ledger information corresponding to the financial account opened to the customer, the financial IC card 400 unique information is used as the financial instrument identifier, and the ledger information (and / or the financial instrument identifier included in the ledger information). Although various implementation methods for storing by linking processing may be inferred, the present invention includes all the implementation methods inferred above, It is not limited in this way.

In the following figure 20, the information registration server shown in FIG. 12 is referred to as " server " for convenience.

Referring to FIG. 20, a customer prepares a predetermined financial account and fills out an application form for issuing a financial IC card 400, and provides the clerk to a predetermined customer information, application information for issuing a financial IC card 400, and application for issuing financial means. Provided to the counter terminal, and / or inputs predetermined customer information, application information for issuing the financial IC card 400, and application for issuing financial means through the predetermined information input device (2000).

The teller terminal receiving the customer information, the application information for issuing the financial IC card 400 and the application for issuing the financial means, the ledger-based financial IC card from the financial IC card 400 issued to the customer through a predetermined IC card reader. (400) read predetermined IC card specific information for issuing (2005), and apply the customer information and financial IC card 400 issuing application information and financial means issuing application information, and the read IC through a predetermined financial network; The card unique information is transmitted to the server (2010).

The server may include at least one ledger information (eg, opening a financial account) for opening a financial account to the customer based on the customer information received from the window terminal, the application information for issuing the financial IC card 400, and the application for issuing financial means. At least one ledger for the, and at least one or more additional information associated with each ledger as necessary) (2015).

In addition, the server checks whether the issuance of the ledger-based financial IC card 400 (and / or ledger-based financial means) according to the present invention is requested by reading the financial means issuance application information (2020).

If the check result is not requested from the customer issuing the ledger-based financial IC card 400 according to the present invention (2025), the server is the conventional IC chip-based financial IC card 400 issuance and financial means issuance procedure Perform (2030).

On the other hand, if the result of the check is requested to issue the ledger-based financial IC card 400 according to the present invention (2025), the server uses the received IC card unique information as the financial means identifier according to the present invention. 11a and / or 11b and / or 11c, including in the ledger information and storing in the ledger D / B (2035), issuing the financial IC card and issuing financial means to the counter terminal through the financial network. Send the result (2040).

According to an embodiment of the present invention, at least one or more financial means information (for example, a financial account included in an account ledger corresponding to a customer financial account) is provided on the financial IC card 400 as shown in FIGS. 17 and / or 18a to 18b. Information and / or bankbook information) is provided, the financial IC card issuance and financial means issuance results provided to the teller terminal is provided at least one or more financial to be provided in the financial IC card (400) Preferably, the method further includes means information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account).

Thereafter, the teller terminal receiving the financial IC card issuance and financial instrument issuance result issues the ledger-based financial IC card 400 according to the present invention to the customer (2045).

According to an embodiment of the present invention, when the ledger-based financial IC card 400 includes a null value in the electronic bank account storage information as shown in FIGS. 13 and / or 14a to 14b, a predetermined third IC card terminal In order to process at least one or more financial transactions based on the ledger-based financial IC card 400 at 300, the teller terminal transmits to the ledger-based financial IC card 400 through the IC card reader. It is preferable to further record predetermined host interworking information and / or host interlocking storage information as shown in Figs. 14A to 14B.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or generated by the server (or extracted from a predetermined database) included in the financial IC card issuance and financial instrument issuance results provided to the teller terminal, and then recorded in the ledger-based financial IC card 400 It's okay.

According to another embodiment of the present invention, the ledger-based financial IC card 400 includes predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 15 and / or 16a to 16b. In the case where the predetermined third IC card terminal 300 to handle at least one or more financial transactions based on the ledger-based financial IC card 400, the teller terminal is the ledger-based finance through the IC card reader Preferably, the IC card 400 further records predetermined host interlocking information and / or host interlocking storage information as shown in Figs. 15 and / or Figs. 16A to 16B.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated by the server (or extracted from a predetermined database) and included in the financial IC card issuance and financial instrument issuance results provided to the teller terminal, and then recorded in the ledger-based financial IC card 400. Do.

According to another embodiment of the present invention, the ledger-based financial IC card 400 includes at least one financial means information (eg, a customer) in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b. When the financial account information and / or bank account information included in the account ledger corresponding to the financial account is included, the teller terminal uses the predetermined IC card reader to provide the financial instrument information (for example, the account ledger corresponding to the customer financial account). Financial account information and / or bankbook information included in) is recorded and issued to the financial IC card (400).

In addition, the teller terminal is configured to process at least one financial transaction based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 through the ledger-based financial IC through the IC card reader. The card 400 further records and issues predetermined host interworking information and / or host interlocking storage information as shown in Figs. 17 and / or 18a to 18b.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated by the server (or extracted from a predetermined database) and included in the financial IC card issuance and financial instrument issuance results provided to the teller terminal, and then recorded in the ledger-based financial IC card 400. Do.

21 is a diagram illustrating a ledger-based financial IC card 400 operating system according to an embodiment of the present invention.

More specifically, FIG. 21 shows a predetermined IC card terminal for a customer who has issued a ledger-based financial IC card 400 according to the present invention through a system for issuing a ledger-based financial IC card 400 and an information registration system shown in FIG. In the financial transaction based on the ledger-based financial IC card 400 using 300, the financial transaction based on the ledger-based financial IC card 400 is processed, and the present invention is applied to the financial transaction process. Ledger-based financial IC card for storing at least one transaction information related to the financial instrument corresponding to the financial IC card 400 in a predetermined storage medium 2145 to transfer financial means between the financial IC card 400 and the ledger (400) As to the operating system, those of ordinary skill in the art to which the present invention belongs, when operating the ledger-based financial IC card 400 according to the present invention with reference to and / or this drawing 21 Would be able to infer the system configuration of the system, the present invention includes both all exemplary way in which the inference, not limited by the exemplary method shown in the figure 21.

Hereinafter, a server (or device) for processing a financial transaction based on the ledger-based financial IC card 400 according to the present invention in connection with the IC card terminal 300 on the financial system for convenience " ledger server 2100. "

The ledger-based financial IC card 400 operating system may be a terminal used by a teller at each branch of the financial institution, and / or a CD / ATM managed by the financial institution, and / or a payment terminal provided at a predetermined affiliated store. And / or the IC card terminal 300 including at least one of a wired terminal (not shown) and / or a wireless terminal (not shown) and / or a home appliance terminal equipped with a predetermined IC card reader used by a customer; The ledger server 2100 connected to the IC card terminal 300 through a predetermined communication network and provided on the financial system of the financial institution, and corresponding to at least one financial means associated with the financial account opened to the customer. Ledger D / B (2135) that stores the ledger information is stored, and stores the transaction history information corresponding to the financial means for the transfer of the financial means between the financial IC card 400 and the ledger according to the present invention And further comprising: a body (2145) is characterized in that formed.

In addition, the ledger-based financial IC card 400 operating system is linked to the storage medium 2145 financial means transfer server 2155 for processing the financial means transfer function between the financial IC card 400 and the ledger according to the present invention. Characterized in that further comprises.

According to another exemplary embodiment of the present invention, the ledger server 2100 and the financial instrument transfer server 2155 may be formed of one server, or the components constituting the ledger server 2100 and the financial instrument transfer server 2155. At least two or more servers may be all possible, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, the ledger server 2100 and the ledger D / B shown in Figure 21 outside the financial system provided to the financial institution according to the intention of those skilled in the art It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system, and the ledger server shown in FIG. 2100 and / or ledger D / B 2135 are merely one means for easily describing the technical features of the present invention.

In addition, if those of ordinary skill in the art to which the present invention pertains, the ledger server 2100 and ledger D / B shown in FIG. 21 are provided in the financial institution according to the intention of those skilled in the art. It will be apparent that a predetermined online payment server (e.g., an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment may be externally connected to the financial system. The ledger server 2100 and / or ledger D / B 2135 are merely one means for easily describing the technical features of the present invention.

The IC card terminal 300 is characterized in that it comprises a predetermined IC card reader for financial transactions based on the ledger-based financial IC card 400 according to the present invention, and also through the IC card reader Reads a predetermined financial instrument identifier (or IC card unique information) from the IC card associated with the ledger-based financial IC card 400 according to the And transmitting at least one financial means information corresponding to the ledger-based financial IC card 400 among the ledger information stored in the ledger D / B from the ledger server 2100. In addition, a predetermined financial transaction is processed through any one of the received at least one financial means information means, the preferred embodiment thereof 23 It will be described in detail through.

According to the exemplary embodiment of the present invention, when the IC card terminal 300 is inserted into the IC card reader and the IC card linked with the ledger-based financial IC card 400 according to the present invention, the IC card terminal 300 Check whether the operation mode is switched to the financial transaction mode for processing financial transactions based on the ledger-based financial IC card 400, and when the operation mode of the IC card terminal 300 is switched to the financial transaction mode, Confidentiality, Authentication, Integrity and Non-repudiation of the financial IC card 400 (and / or at least one financial instrument associated with the financial IC card 400 via a PIN) Nonrepudiation), and when the validity is authenticated, a predetermined financial instrument identifier (or IC card unique information) is read from the IC card, and the read financial instrument identifier (or IC card unique information) is read. remind By transmitting to the ledger server 2100, it is preferable to receive at least one financial means information corresponding to the ledger-based financial IC card 400 among the ledger information stored in the ledger D / B from the ledger server 2100 .

According to another exemplary embodiment of the present invention, when the IC card terminal 300 is inserted into the IC card reader and the IC card linked to the ledger-based financial IC card 400 according to the present invention, the predetermined number of PINs is entered. Authenticating validity including confidentiality, authentication, integrity and non-repudiation of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400, and if the validity is authenticated, Check whether the operation mode of the IC card terminal 300 is switched to the financial transaction mode for processing financial transactions based on the ledger-based financial IC card 400, and the operation mode of the IC card terminal 300 is the financial transaction. When the mode is switched, the predetermined financial instrument identifier (or IC card unique information) is read from the IC card, and the read financial instrument identifier (or IC card unique information) is transmitted to the ledger server 2100. won It is preferable to receive at least one or more financial means information corresponding to the ledger-based financial IC card 400 of the ledger information stored in the ledger D / B from the chapter server 2100.

The ledger D / B 2135 may include the financial instrument identifier in the ledger information corresponding to at least one financial instrument associated with the financial account opened to the customer as shown in FIGS. 4A and / or 4B and / or 4C. Or IC card 400 identifier including at least one IC card unique information).

Referring to FIG. 21, the ledger server 2100 is configured to process financial transactions based on at least one IC card terminal 300 and a ledger-based financial IC card 400 according to the present invention through a predetermined communication network. Financial means information including at least one interface unit 2105 for connecting and managing a communication channel, and at least one financial instrument identifier (or IC card unique information) from the IC card terminal 300 through the interface unit 2105. The ledger D / B 2135 based on the information receiving unit 2110 for receiving the request text and the financial instrument identifier (or IC card unique information) included in the full text instrument information request message received through the information receiving unit 2110. An information confirming unit 2120 for identifying at least one financial means corresponding to the ledger-based financial IC card 400 in association with the ledger-based financial IC card 4. If at least one financial means corresponding to 00) is identified, an information extraction unit for extracting at least one financial means information corresponding to the ledger-based financial IC card 400 in connection with the ledger D / B (2135) Information for generating the financial instrument information telegram including the extracted at least one financial instrument information and transmitting the financial instrument telegram to the IC card terminal 300 through the interface unit 2105; It is characterized by comprising a transmission unit 2115.

According to the present invention, the information receiving unit 2110 is provided through the interface unit 2105 from the IC card terminal 300, the financial transaction request message including the predetermined financial transaction information and predetermined financial transaction information from the IC card terminal 300. It is preferable to further include receiving, and when the financial transaction request message is received through the information receiving unit 2110, the financial means for financial transactions and predetermined financial transaction information included in the financial transaction request message is received. And a financial transaction unit 2130 for processing a financial transaction corresponding to the financial transaction information through the financial means information for financial transaction in association with the ledger D / B 2135.

According to the present invention, at least one or more financial transactions through the financial transaction unit 2130, at least one or more financial transactions processed by the financial transaction unit 2130 (or corresponding to the financial IC card 400). It further comprises an information storage unit 2140 for storing the transaction history information corresponding to the predetermined storage medium (2145).

The interface unit 2105 connects at least one IC card terminal 300 and a predetermined communication channel for processing a financial transaction based on the ledger-based financial IC card 400 according to the present invention through a predetermined communication network. And maintaining and managing the communication channel.

The communication channel connected and managed with the at least one IC card terminal 300 by the interface unit 2105 is connected through a dedicated communication network between the financial system provided in the financial institution and the at least one IC card terminal 300. As a communication channel, according to an embodiment of the present invention, a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial transaction tasks defined between the IC card terminal 300 and the ledger server 2100 Preferably, the transaction protocol (and / or specialized structure corresponding to the transaction protocol) may be defined and used in various ways according to the financial transaction work type of each financial institution and the platform characteristics of the financial system. , The transaction protocol (and / or transaction protocol) adopted by a particular financial system Specialized structure) to which the present invention is not limited by the corresponding.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 2110 receives the full text including at least one or more information corresponding to a predetermined financial transaction from the IC card terminal 300 through the interface unit 2105, and the specialized structure. The at least one director may be read based on the received full text, and information of at least one director corresponding to each financial transaction service may be extracted from the read full text.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction service, the IC card terminal 300 address information corresponding to the IC card terminal 300 and / or the IC card. Preferably, the terminal 300 includes at least one terminal ID information and / or the IC card terminal 300 manager (or operator) information.

According to another exemplary embodiment of the present invention, the information receiving unit 2110 receives traffic data including at least one or more pieces of information corresponding to a predetermined financial transaction from the IC card terminal 300 through the interface unit 2105. Characterized in that it is received, it is possible to extract the information of at least one director corresponding to each financial transaction by reading the header of the traffic data, thereby not limited to the present invention.

The information receiving unit 2110 receives, through the interface unit 2105, a full financial instrument information request message including at least one predetermined financial instrument identifier (or IC card specific information) from a predetermined IC card terminal 300. In this case, the information receiver 2110 extracts the financial instrument identifier (or IC card unique information) from the full financial instrument information request message and provides the information to the information verification unit 2120 and / or the information extraction unit 2125. At least one corresponding to the ledger-based financial IC card 400 in association with the ledger D / B 2135 based on the financial instrument identifier (or IC card unique information). The above-described financial means is checked, and the information extracting unit 2125 corresponds to the ledger-based financial IC card 400 in association with the ledger D / B 2135 based on the financial instrument identifier (or IC card unique information). doing Extract at least one financial instrument information.

The information confirming unit 2120 stores the ledger information stored in the ledger D / B 2135 based on the financial instrument identifier (or IC card unique information) included in the full financial instrument information request received through the information receiver 2110. By reading the, it is characterized in that at least one financial means corresponding to the ledger-based financial IC card 400 of the at least one financial means opened to the customer.

According to an embodiment of the present invention, at least one financial means corresponding to the ledger-based financial IC card 400 of the at least one financial means opened to the customer, the customer ledger and / or account included in the ledger information It is preferable to include a predetermined financial IC card 400 identifier including the financial instrument identifier (or IC card unique information) in the ledger, and / or are stored in association with each other, and the information confirming unit 2120 Based on the financial instrument identifier (or IC card unique information), by identifying the financial IC card 400 identifier provided in the ledger D / B (2135), the ledger base of the at least one financial instrument opened to the customer At least one financial means corresponding to the financial IC card 400 may be identified.

If at least one financial means corresponding to the ledger-based financial IC card 400 is confirmed by the information confirming unit 2120, the information extracting unit 2125 may be configured as the customer from the ledger D / B 2135. The account ledger (eg, the financial instrument identifier (or IC card unique information)) which is identified as including a predetermined financial IC card 400 identifier by the information confirming unit 2120 among at least one financial instrument opened to the Extracting at least one financial means information corresponding to the ledger-based financial IC card 400 from a predetermined financial IC card 400).

The information transmitter 2115 generates a predetermined financial instrument information telegram including at least one financial instrument information extracted from the ledger D / B 2135 through the information extractor 2125, and generates The financial instrument information is transmitted to the IC card terminal 300 through the interface unit 2105.

The IC card terminal 300 having received the financial instrument information text extracts at least one financial instrument information from the financial instrument information teletext, and selects at least one financial instrument corresponding to the extracted at least one financial instrument information. Outputs an interface screen for selecting financial means for financial transactions, and checks whether a predetermined financial transaction financial means is selected through the interface screen;

If a predetermined financial transaction financial means is selected through the interface screen, the IC card terminal 300 receives at least one financial transaction information corresponding to a predetermined financial transaction through the financial transaction financial means. A predetermined financial transaction request message including the financial means information for the financial transaction and the financial transaction information is generated and transmitted to the ledger server 2100 through the financial network.

The information receiving unit 2110 included in the ledger server 2100 includes at least one financial means information and financial transaction information for a predetermined financial transaction from a predetermined IC card terminal 300 through the interface unit 2105. When the financial transaction request message is received, the information receiver 2110 extracts the financial transaction information and financial transaction information from the financial transaction request message and provides the financial transaction unit 2130 to the financial transaction unit 2130. The financial transaction unit 2130 may correspond to the financial transaction information through the financial means information for financial transactions in connection with the ledger D / B 2135 based on the financial means information for financial transactions and financial transaction information. Deal with financial transactions.

The financial transaction unit 2130 is ledger information stored in the ledger D / B (2135) based on the financial transaction information and financial transaction information included in the financial transaction request message received through the information receiving unit 2110. Finance corresponding to the financial transaction information through the financial means for financial transactions using (e.g., an account ledger corresponding to financial means for financial transactions and at least one ledger and / or ledger related information associated with the account ledger); Characterized in processing the transaction.

According to an embodiment of the present invention, the financial transaction information includes at least financial transaction information corresponding to a receiving service, financial transaction information corresponding to a credit service, financial transaction information corresponding to a foreign exchange service, and financial transaction information corresponding to an investment business. It is preferable to include one or more, and those skilled in the art will clearly understand the financial transaction information corresponding to each financial business, so a detailed description thereof will be omitted for convenience.

The information storage unit 2140 may be processed by the financial transaction unit 2130 at least one or more financial transactions, and / or the financial IC card 400 when at least one financial transaction is performed through the financial transaction unit 2130. And generating transaction history information corresponding to at least one financial transaction related to the transaction, and storing the generated transaction history information in a predetermined storage medium 2145.

The transaction history information may include financial means information provided in the financial IC card 400 (and / or ledger) for processing the financial transaction, and financial transaction information (eg, financial transaction date / time information, financial) corresponding to the financial means. Transaction amount information, deposit account information, withdrawal account information, etc.).

According to the method of the present invention, by reading the transaction history information stored in the storage medium 2145, it is possible to check the financial means frequently used monthly / quarterly by the customer who is issued the financial IC card 400 Transfer the at least one financial instrument information included in the financial IC card 400 to the ledger based on the information reading result, and / or the at least one financial instrument information provided on the ledger. It is possible to transfer to the financial IC card 400.

The financial instrument information provided on the ledger is financial instrument information linked to the financial instrument identifier, and the financial instrument information stored on the ledger is provided to the IC card terminal 300 during at least one financial transaction. After that, the financial means including at least one financial transaction occurs based on the information.

In addition, the financial means information on the financial IC card 400 is a financial means provided in the form of financial-related IC card storage information in the financial IC card 400, the financial shown in Figure 2 during the at least one financial transaction In accordance with the transaction process, the financial means that the financial transactions are carried out in a synchronized manner after the first transaction.

Referring to FIG. 21 according to an embodiment of the present invention, on the ledger-based financial IC card 400 operating system, monthly / quarterly transaction history information may correspond to at least one transaction history information stored in the storage medium 2145. Store the financial instrument transfer policy (or condition) information to transfer the financial instrument on the ledger to the financial IC card 400 and / or transfer the financial instrument on the ledger IC card 400 to the ledger. It is characterized by having a policy D / B (2150).

According to an exemplary embodiment of the present invention, the financial instrument transfer policy (or condition) information is provided when the financial instrument for which the monthly / quarterly utilization rate is determined to be below a specific reference value is provided on the financial IC card 400. It is preferable to include a policy (or condition) for transferring the financial instrument information provided on the IC card 400 to the financial instrument on the ledger.

The financial instrument transfer policy (or condition) information may include information on financial instrument information provided on the ledger when the financial instrument whose monthly / quarterly utilization rate is determined to be equal to or greater than a specific reference value is provided on the ledger. It is desirable to include a policy (or condition) for transferring to financial means on 400.

Referring to FIG. 21, the financial instrument transfer server 2155 periodically transmits transaction history information stored in the storage medium 2145 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 2150. An information confirming unit 2175 for confirming whether to transfer the financial means on the financial IC card 400 to the ledger and / or to transfer the financial means on the ledger to the financial IC card 400, If it is confirmed that the transfer of at least one financial means is confirmed, the customer approval unit 2170 for processing the customer approval for the transfer of the financial means, and if the customer approval for the transfer of the financial means is confirmed, A ledger processing unit 2165 for changing the ledger information, and generating (or extracting) financial instrument transfer processing information for transferring the financial instrument, and converting the generated (or extracted) financial instrument transfer processing information into the; Characterized in that it comprises an information providing unit 2160 provided to the IC card terminal 300.

The information checking unit 2175 reads transaction history information stored in the storage medium 2145 based on financial instrument transfer policy (or condition) information stored in the policy D / B 2150 for a predetermined period or monthly / quarterly. And transfer the financial means on the financial IC card 400 to the ledger, and / or transfer the financial means on the ledger to the financial IC card 400.

Alternatively, the information checking unit 2175 may perform at least one financial transaction (eg, financial IC chip-based financial transaction, and / or ledger-based financial transaction, etc.) corresponding to the financial IC card 400 in the ledger server 2100. ) Is generated, the transaction history information stored in the storage medium 2145 is read based on the financial instrument transfer policy (or condition) information stored in the policy D / B 2150, and the information on the financial IC card 400 is read. It is characterized in that whether to transfer the financial means to the ledger, and / or transfer the financial means on the ledger to the financial IC card 400.

According to an exemplary embodiment of the present invention, the information checking unit 2175 may use the financial IC card 400 to determine whether the monthly / quarterly utilization rate is lower than a specific reference value through the financial instrument transfer policy (or condition) information. When provided on the, it is preferable to check to transfer the financial means information provided on the financial IC card 400 to the financial means on the ledger.

In addition, the information checking unit 2175 is provided on the ledger when the financial means for verifying the monthly / quarterly utilization rate is higher than a certain reference value through the financial instrument transfer policy (or condition) information is provided on the ledger, It is preferable to confirm that the financial instrument information is transferred to the financial instrument on the financial IC card 400.

The customer approval unit 2170 confirms that at least one or more financial means transfer (eg, transfers the financial means on the financial IC card 400 to the ledger) and / or When it is confirmed that the financial instrument on the ledger is transferred to the financial IC card 400, a customer approval procedure for processing the financial instrument transfer is performed.

According to an exemplary embodiment of the present invention, transaction history information stored in the storage medium 2145 is read based on the financial instrument transfer policy (or condition) information stored in the policy D / B 2150 for a predetermined period or monthly / quarterly. When it is confirmed that the financial means on the financial IC card 400 is transferred to the ledger, and / or the financial means on the ledger are transferred to the financial IC card 400, the customer approval unit 2170 may be configured to perform the transfer. Transmit customer approval request information to the customer IC communication means (for example, customer owned mobile phone, customer e-mail address, or instant messenger, etc.) of the financial IC card 400, and in response, approve the transfer of predetermined financial means from the customer communication means. By receiving and authenticating information, a customer approval procedure is performed to handle the transfer of financial instruments.

Here, the customer communication means includes all types of terminals and / or addresses capable of receiving the customer approval request information through at least one or more networks and / or communication networks, such as a customer owned mobile phone, a customer mail address, or an instant messenger. And / or accounts.

For example, if the customer communication means is a mobile phone owned by the financial IC card 400, the customer approval unit 2170 may include a predetermined wireless callback URL that may receive the financial instrument transfer approval information. Generating a message (eg, a short message (SMS), a multimedia message (MMS), etc.) and transmitting the generated wireless message to the customer-owned cellular phone, thereby transmitting the customer approval request information to the financial IC card 400 customer. In response thereto, the financial IC card 400 customer accesses the financial means transfer server 2155 (eg, the customer approval unit 2170) through the callback UEL to correspond to the customer approval request information. The financial instrument transfer approval information is transmitted.

In addition, if the customer communication means is the customer's e-mail address of the financial IC card 400, the customer approval unit 2170 generates a predetermined mail including a link address for receiving the financial instrument transfer approval information; By transmitting the generated mail to the customer e-mail address, the customer approval request information is provided to the customer of the financial IC card 400, and correspondingly, the customer of the financial IC card 400 uses the link address. The financial instrument transfer server 2155 (eg, the customer approval unit 2170) is connected to transmit the financial instrument transfer approval information corresponding to the customer approval request information.

In the technical field to which the present invention pertains, the customer approval unit 2170 provides the customer approval request information to the customer corresponding to each customer communication means, and correspondingly, the customer communication means. Various implementation methods for receiving predetermined financial instrument transfer approval information may be inferred, and the present invention includes all the implementation methods inferred.

According to another embodiment of the present invention, at least one financial transaction (eg, financial IC chip-based financial transaction, and / or ledger-based financial transaction, etc.) corresponding to the financial IC card 400 in the ledger server 2100. Is generated, the financial means on the financial IC card 400 by reading transaction history information stored in the storage medium 2145 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 2150. Is transferred to the ledger, and / or transfer of the financial means on the ledger to the financial IC card 400, the customer approval unit 2170, the customer approval unit 2170 is the financial transaction By transmitting predetermined customer approval request information for the transfer of the financial means to the IC card terminal 300 for receiving, and corresponding to the predetermined financial means transfer approval information from the IC card terminal 300 in response thereto And performs a customer approval process for processing said financial instruments previously.

Here, the customer approval request information is included in the telegram transmitted from the ledger server 2100 to the IC card terminal 300 and transmitted to the IC card terminal 300, and / or the financial means transfer server 2155. (Or the ledger server 2100) may be transmitted to the IC card terminal 300 through a separate customer approval request full text, by which the present invention is not limited.

In addition, the customer approval request information is traffic data corresponding to a communication protocol standard defined by the institution that operates the IC card terminal 300 in addition to the full text and / or the institution that manages the ledger corresponding to the financial IC card 400. It can be transmitted to the IC card terminal 300 in the form, whereby the present invention is not limited.

Upon receiving the customer approval request information, the IC card terminal 300 inputs predetermined financial means transfer approval information corresponding to the customer approval request information to the financial means transfer server 2155 (eg, the customer approval unit 2170). To send).

Here, the financial instrument transfer approval information may be included in a predetermined text in the IC card terminal 300 and transmitted to the financial instrument transfer server 2155 (for example, the customer approval unit 2170). The invention is not limited.

In addition, the financial means transfer approval information is traffic corresponding to the communication protocol standard defined by the institution that operates the IC card terminal 300 in addition to the full text and / or the institution managing the ledger corresponding to the financial IC card 400. Data may be transmitted to the financial instrument transfer server 2155 (eg, the customer approval unit 2170), and the present invention is not limited thereto.

According to the implementation method of the present invention, the financial instrument transfer approval information is confidentiality that the customer who issued the financial IC card 400 approved the financial instrument transfer between the financial IC card 400 and the ledger according to the present invention, It is desirable to include information to ensure authentication, integrity and nonrepudiation.

For example, the financial instrument transfer approval information may include a validity verification result confirmed through a PIN corresponding to the financial IC card 400, and / or a predetermined password (eg, provided on the ledger). Account password, or a financial instrument transfer approval password).

The customer approval unit 2170 receiving the financial instrument transfer approval information verifies the validity of the financial instrument transfer approval information, thereby confirming whether the financial IC card 400 customer has approved the financial instrument transfer. do.

When it is confirmed through the customer approval unit 2170 that the customer of the financial IC card 400 approves the transfer of the financial means, the ledger processing unit 2165 may check the financial means information provided in the financial IC card 400. Characterized in that the financial instrument identifier is stored in the ledger corresponding to the financial instrument information to be transferred to the ledger (for example, the account ledger, the reception ledger, etc.), or activated.

In addition, the ledger processing unit 2165 corresponds to the ledger corresponding to the financial instrument information to be transferred to the financial IC card 400 among the financial instrument information provided on the ledger (eg, the ledger to which the financial instrument identifier is linked). (Eg, account ledger, receiving ledger, etc.) characterized in that it deletes / erases, or deactivates the financial instrument identifier associated with the processing.

When it is confirmed through the customer approval unit 2170 that the customer of the financial IC card 400 has approved the transfer of the financial means, the information providing unit 2160 generates financial means transfer processing information for transferring the financial means. (Or extracted from a predetermined database (not shown) for storing the financial instrument transfer processing information).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

Thereafter, the information providing unit 2160 provides the generated (or extracted) financial instrument transfer processing information to the IC card terminal 300.

Here, the financial instrument transfer processing information may be included in a predetermined text in the financial instrument transfer server 2155 and transmitted to the IC card terminal 300, whereby the present invention is not limited thereto.

In addition, the financial instrument transfer processing information may correspond to a communication protocol standard defined by an institution that operates the IC card terminal 300 in addition to the full text and / or an institution that manages the ledger corresponding to the financial IC card 400. In the form of traffic data, the financial instrument transfer server 2155 may be transmitted to the IC card terminal 300, whereby the present invention is not limited thereto.

The IC card terminal 300 that has received the financial instrument transfer processing information is the financial IC card 400 side transfer target financial instrument information included in the financial instrument transfer processing information (from the financial IC card 400). At least one financial instrument information to be transferred), and deletes the financial instrument information corresponding to the identified financial instrument information on the financial IC card 400 side to be transferred from the financial IC card 400.

If there is no financial instrument information to transfer from the financial IC card 400 to the ledger, and / or financial instrument information to transfer from the financial IC card 400 to the ledger is transferred from the financial IC card 400. When deleted, the IC card terminal 300 checks the ledger-side transfer target financial means information (at least one or more financial means information to be transferred to the financial IC card 400 on the ledger) included in the financial instrument transfer processing information. And, it is preferable to record the identified ledger-side transfer target financial means information on the financial IC card (400).

22 is a diagram showing the functional configuration of the IC card terminal 300 for processing financial transactions using the ledger-based financial IC card 400 according to an embodiment of the present invention.

In more detail, in FIG. 22, an IC card terminal 300 including a CD / ATM provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place is used as a ledger-based financial IC card 400 according to the present invention. As shown in FIG. 22, a preferred functional configuration for processing a financial transaction using the above-described method is known to those skilled in the art to which the present invention pertains. Various implementation methods can be inferred for the case of a counter terminal and / or a wired terminal and / or a wireless terminal and / or a home appliance terminal having a predetermined IC card reader, and / or a payment terminal provided in a predetermined merchant. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method illustrated in FIG.

Referring to FIG. 22, the IC card terminal 300 recognizes an MS card and / or an IC card to obtain a predetermined information, and a card reader unit 2205 and each provided through the IC card terminal 300. A screen output unit 2210 for outputting a processing screen at a financial transaction stage, a key input unit 2215 for receiving predetermined information according to each financial transaction stage, and communication with the ledger server 2100 through a predetermined financial network A communication unit 2255, a memory unit 2270 in which the IC card terminal 300 stores at least one or more financial transaction processing information for the financial transaction processing, and predetermined financial transaction history information after the financial transaction; A cash payment unit 2265 for paying cash for each financial transaction to the customer, a power supply unit 2275 for supplying power to the IC card terminal 300, and at least one terminal function unit 2260 and the IC card terminal Each functional component provided in 300 It comprises a control unit 2220 for controlling.

The control unit 2220 controls the overall operation of the IC card terminal 300 in function configuration, manages the flow of information or data between each component, based on the ledger-based financial IC card 400 according to the present invention And controlling at least one or more components included in the IC card terminal 300 for a financial transaction, and at least one or more hardware-containing CPU (Central Processing Unit) / MPU (Micro Processing Unit). And a processor, an execution memory (for example, a register), a bus for inputting and outputting predetermined data, and at least one or more electronic circuits (or integrated circuits) therefor. Loading to the execution memory from a predetermined recording medium provided in the IC card terminal 300 for performing and by the processor It is characterized in that it comprises a predetermined program routine (Routine) and / or program data to be processed the solution.

In particular, the controller 2220 includes a predetermined operating system and / or a terminal control program routine for managing the IC card terminal 300 after the IC card terminal 300 is booted by software. .

22 shows at least one program component provided in the IC card terminal 300 for financial transactions based on the ledger-based financial IC card 400 according to the present invention in the controller 2220 for convenience. Will be explained.

The card reader unit 2205 provides an interface between the card and the IC card terminal 300 to read at least one or more information or data included in the card for at least one or more financial transactions. The MS reader interface for interfacing the MS (Magnetic Stripe) card based on the / IEC 7810 standard with the IC card terminal 300, and / or the financial transaction processing based on the ledger-based financial IC card 400 according to the present invention. Contact IC reader unit for interfacing a contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with IC card terminal 300 and / or a contactless IC card based on ISO / IEC 14443 standard And a contactless IC reader unit for interfacing with 300, wherein the contact IC reader unit and / or the contactless IC reader unit correspond to the IC card reader provided in the IC card terminal 300. It is desirable.

The MS reader unit is a card reader unit 2205 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the IC card terminal 300 to interface the predetermined information or data from at least one or more tracks included in the MS of the MS card, the cash card and / or debit card provided in the MS card It is preferably used for cash withdrawal.

The contact IC reader unit is a card reader unit 2205 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) associated with a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and converting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized by interfacing to the card terminal 300, according to the present invention is preferably used for financial transactions using the ledger-based financial IC card 400 associated with the IC card.

The non-contact IC reader unit is a card reader unit 2205 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the terminal 300.

The screen output unit 2210 is previously defined to be output from the IC card terminal 300 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 2220. Or at least one information or data that is defined in real time or is defined in real time, and the key data input through the key input unit 2215 to the predefined information or data to be output on the screen from the IC card terminal 300. , Information stored or generated by a component included in the IC card terminal 300, information transmitted / received through the communication unit 2255, and data corresponding to a predetermined operation result performed by the IC card terminal 300. It is done by

According to the exemplary embodiment of the present invention, the screen output unit 2210 uses a processing screen and / or an interface screen according to each financial transaction step using the ledger-based financial IC card 400 according to the present invention as a predetermined screen output device. It is preferable to output.

The key input unit 2215 is provided with at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or an operation mode of the IC card terminal 300 controlled by the controller 2220. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2220. The controller 2220 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the IC card terminal 300, and / or is defined to match the key event. Characteristic for acquiring a command to execute a predetermined function.

The key input unit 2215 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the IC card terminal 300.

According to an embodiment of the present invention, a key input device interlocking with the key input unit 2215 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the exemplary embodiment of the present invention, the key input unit 2215 may receive at least one or more pieces of information for each financial transaction step using the ledger-based financial IC card 400 according to the present invention from a predetermined key input device. Do.

The communication unit 2255 provides communication means for performing a transaction function (for example, a transaction function interoperating with the IC card terminal 300 and the external system of each financial system) included in the IC card terminal 300. And a network communication unit 2255 for providing transaction communication with the ledger server 2100 provided on the financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. Cable communication unit 2255 and / or Infrared Ray communication, RF (Radio Frequency) to provide transactional communication with an external communication device via a cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) Local area communication that provides transactional communication with a local area communication device through at least one local area wireless communication including communication, Bluetooth, Wireless LAN, Wi-Fi, and Ultra Wide Band system (UWB). Comprised, including the 2255, it comprises a communication protocol and a communication application for providing a communication transaction in software.

According to the method of the present invention, the communication unit 2255 is financed using the ledger server 2100 and the ledger-based financial IC card 400 on the financial system via the network communication unit 2255 through a predetermined financial network. It is desirable to connect a communication channel for processing a transaction.

The memory unit 2270 is a storage medium 2145 that stores at least one information or data required for the control unit 2220 to perform a predetermined control function, and is electrically hardware and programmable read only memory (EEPROM). ), At least one storage means including a flash memory (FM), a hard disk drive (HDD), and a predetermined program required by the controller 2220 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an exemplary embodiment of the present invention, the memory unit 2270 is configured to process at least one financial transaction used by the IC card terminal 300 to process financial transactions using the ledger-based financial IC card 400 according to the present invention. It is preferable to store the information, and / or after the financial transaction processing using the ledger-based financial IC card 400, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 2265 is a financial transaction result corresponding to the card read through the card reader unit 2205 from the predetermined financial system through the communication unit 2255, a predetermined cash payment instruction to the financial transaction customer (Or a cash payment approval result) and, if received, a predetermined cash provided in the IC card terminal 300 corresponding to the cash payment instruction (or cash payment approval result) (or cash requested by the financial transaction customer). Read out from the cash storage unit 2280, characterized in that paid to the customer through a predetermined cash discharge unit (2285).

The terminal function unit 2260 is a component provided in the IC card terminal 300 in addition to the components shown in FIG. 22 and / or components provided in the IC card terminal 300 for a predetermined purpose or role. Representatively, various additions according to the intention of those skilled in the art such as a secure application module (SAM) for supporting financial transactions and / or a print output unit for printing and outputting a receipt and / or a biometric device for biometrics. This includes the functional configuration.

Those skilled in the art to which the present invention pertains will easily understand each terminal function unit 2260 provided according to the characteristics of the IC card terminal 300, and thus a detailed description thereof will be omitted.

Referring to FIG. 22, the IC card terminal 300 is provided with a predetermined financial IC card 400 through the card reader 2205 to provide a ledger-based financial IC card 400 service according to the present invention. When interlocked, a validity authentication unit 2225 for authenticating the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 using a predetermined PIN), Information for reading a financial instrument identifier (or IC card unique information) from the IC card when the validity of the financial IC card 400 (and / or at least one financial instrument associated with the financial IC card 400 is authenticated) is authenticated. The financial means information generated by the reader 2230, the information generating unit 2235 for generating a full financial instrument information request message including the financial instrument identifier (or IC card unique information), and the communication unit 2255 Transfer the full request to the ledger server (2100) And receiving, from the ledger server 2100, a financial instrument information telegram corresponding to the financial instrument information request telegram, the financial instrument for predetermined financial transaction among at least one financial instrument information included in the received financial instrument information telegram. And an information processing unit 2240 for outputting an interface screen for selecting through the screen output unit 2210.

In addition, when a predetermined financial transaction financial means is selected from the interface screen output through the screen output unit 2210, the IC card terminal 300 executes a predetermined financial transaction corresponding to the financial transaction financial means. Preferably, the information input unit 2245 is further configured to receive financial transaction information for processing. In this case, the information generation unit 2235 includes a financial transaction request including financial instrument information and financial transaction information. Preferably, a full text is generated, and the information processing unit 2240 transmits the generated financial transaction request full text to the ledger server 2100 through the communication unit 2255, and the financial transaction from the ledger server 2100. Receiving a financial transaction text corresponding to the request text, and outputs the financial transaction history included in the financial transaction text through the screen output unit 2210 It is right.

In addition, when the IC card terminal 300 transfers the financial means between the financial IC card 400 and the ledger according to the present invention, the IC card terminal 300 is transferred from the financial IC card 400 to the ledger through the card reader 2205. And an information recording unit 2250 for deleting at least one financial instrument information to be recorded and recording at least one financial instrument information to be transferred to the financial IC card 400 on the ledger in the financial IC card 400. Characterized in that made.

When the predetermined IC card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit of the card reader unit 2205, the validity authentication unit 2225 is connected to the key input unit 2215. Interworking to receive a predetermined PIN, and based on the entered PIN, confidentiality, authentication, integrity and denial of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400). At least one or more financial means associated with the financial IC card 400 (and / or the financial IC card 400) by the validity authentication unit 2225. When the validity is verified, a predetermined financial transaction procedure using the ledger-based financial IC card 400 according to the present invention is normally performed.

According to an exemplary embodiment of the present invention, the validity authentication unit 2225 is connected to the financial IC card 400 (and / or the financial IC card 400) after a predetermined IC card is inserted into the IC card reader. It is desirable to carry out a validation process for at least one financial instrument.

According to the exemplary embodiment of the present invention, the validity authentication unit 2225 is configured to switch the operation mode of the IC card terminal 300 to the financial transaction mode after a predetermined IC card is inserted into the IC card reader, or After the operation mode of the IC card terminal 300 is switched to the financial transaction mode, when a predetermined IC card is inserted into the IC card reader, the financial IC card 400 (and / or the financial IC card 400 It is desirable to carry out a validation process for at least one financial instrument associated with).

The information reading unit 2230, if the validity of the at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) by the validity authentication unit 2225, the Read a predetermined financial instrument identifier from the IC card, and / or read IC card specific information from the IC card, wherein the read financial instrument identifier (or IC card specific information) is the information generation unit. Provided at (2235).

The information generating unit 2235 generates a predetermined financial instrument information request message including a financial instrument identifier (or IC card unique information) read from the IC card through the information reader 2230. The financial instrument information request message may include, in addition to the financial instrument identifier (or IC card unique information), the IC card terminal 300 address information and / or the IC card terminal 300 ID information corresponding to the IC card terminal 300. And / or at least one of the IC card terminal 300 manager (or operator) information and the like, wherein the IC card terminal 300 address information and / or the IC card terminal 300 ID information and / or the like. Alternatively, the IC card terminal 300 manager (or operator) information may be extracted from the financial transaction processing information stored in the memory unit 2270 of the IC card terminal 300.

The information processing unit 2240 transmits the generated financial means information request full text to the ledger server 2100 through the communication unit 2255, and the ledger-based financial IC card from the ledger server 2100. Waiting for the financial instrument information telegram including at least one financial instrument information corresponding to 400 is received.

If a financial instrument information telegram including at least one financial instrument information corresponding to the ledger-based financial IC card 400 is received, the information processing unit 2240 includes at least one or more financial instrument information telegrams. And extracts, through the screen output unit 2210, an interface screen for extracting financial means information and selecting financial means for a predetermined financial transaction from the extracted one or more financial means information. The input unit 2215 waits for a predetermined financial transaction financial means selected from among at least one financial means included in the interface screen.

If a predetermined financial transaction financial means is selected from at least one financial means included in the interface screen, the information processing unit 2240 may provide a predetermined financial transaction among at least one financial transaction that can be processed through the financial transaction financial means. An interface screen for selecting a transaction is output through the screen output unit 2210, wherein a predetermined financial transaction is selected from at least one financial transaction included in the interface screen through the key input unit 2215. Wait for that.

If a predetermined financial transaction among at least one financial transaction included in the interface screen is selected, the information processor 2240 outputs the interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And output the financial transaction information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 2215 through the key input unit 2215. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial means and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 2245 is the financial transaction financial. Information on the withdrawal amount to be withdrawn from the Sudan, the deposit account number to which the withdrawal amount is transferred and deposited, the financial instrument password for the financial transaction, the account transfer password, and a security card corresponding to the financial instrument for the financial transaction; It comprises at least one predetermined security card number of the plurality of security card numbers.

If the financial transaction information input is completed, the information processing unit 2240 provides the financial transaction information and the input at least one financial transaction information to the information generation unit 2235.

The information generation unit 2235 generates a financial transaction request message including the financial means financial means information and the input at least one financial transaction information, and converts the generated financial transaction request message into the information processing unit 2240. To provide.

The information processing unit 2240 is characterized in that for transmitting the generated full financial transaction request to the ledger server 2100, the financial means information for the financial transaction and the input at least one or more from the ledger server 2100 Waiting for the predetermined financial transaction text including the predetermined financial transaction history information corresponding to the financial transaction information is received.

If a predetermined financial transaction text message including the financial transaction history information is received, the information processing unit 2240 extracts financial transaction history information included in the received financial transaction text message, and extracts the extracted financial transaction history information. Characterized in that the output through the screen output unit 2210.

According to the method of the present invention, the received financial transaction telegram may further include at least one recent financial transaction history, in addition to the financial transaction information and the financial transaction history information corresponding to the financial transaction information. In this case, the information processing unit 2240 preferably outputs the received at least one or more recent financial transaction details through the screen output unit 2210.

In addition, the information processing unit 2240 preferably stores the financial transaction history information extracted from the received financial transaction text in the memory unit 2270 for a predetermined period of time, whereby various additional services such as canceling a previous transaction. Can be easily provided.

In order to transfer the financial means between the financial IC card 400 and the ledger according to the present invention, the information processing unit 2240 is a financial means between the financial IC card 400 and the ledger in the financial transaction received from the ledger server 2100 And receiving the customer approval request information for transfer, in this case, outputting the customer approval request information for transferring the financial means between the financial IC card 400 and the ledger through the screen output unit 2210. Characterized in that.

Thereafter, the information input unit 2245 receives the financial instrument transfer approval information corresponding to the customer approval request information through the key input unit 2215.

If the financial instrument transfer approval information is input through the information input unit 2245, the information processing unit 2240 includes a predetermined financial instrument transfer server 2155 and 2155 (or ledger) including the financial instrument transfer approval information. Server 2100), and the financial means for transferring financial means between the financial IC card 400 and the ledger from the financial means transfer server 2155 and 2155 (or ledger server 2100). Receiving means transfer processing information.

According to one embodiment of the invention, the financial instrument transfer approval information and the financial instrument transfer processing information is preferably transmitted and received in a predetermined form.

According to another exemplary embodiment of the present invention, the financial instrument transfer approval information and the financial instrument transfer processing information may include an institution that operates the IC card terminal 300 and / or a ledger corresponding to the financial IC card 400. It is preferable to transmit and receive in the form of traffic data corresponding to the communication protocol standard defined by the managing authority.

According to the implementation method of the present invention, the financial instrument transfer approval information is confidentiality that the customer who issued the financial IC card 400 approved the financial instrument transfer between the financial IC card 400 and the ledger according to the present invention, It is desirable to include information to ensure authentication, integrity and nonrepudiation.

For example, the financial instrument transfer approval information may include a validity verification result confirmed through a PIN corresponding to the financial IC card 400, and / or a predetermined password (eg, provided on the ledger). Account password, or a financial instrument transfer approval password).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

The financial IC card 400 transfer target financial means information may include financial means information (eg, financial account information included in an account ledger corresponding to a customer financial account) and / or provided in the financial IC card 400. It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

When the financial instrument transfer processing information for transferring the financial instrument between the financial IC card 400 and the ledger is received from the financial instrument transfer server 2155 and 2155 (or the ledger server 2100), the information recording unit 2250 The financial IC card 400 side transfer target financial means information (at least one or more financial means information to be transferred to the ledger from the financial IC card 400) included in the financial instrument transfer processing information, and the financial The financial means information corresponding to the identified financial IC card 400 transfer target financial means information from the IC card 400 is deleted.

If there is no financial instrument information to transfer from the financial IC card 400 to the ledger, and / or financial instrument information to transfer from the financial IC card 400 to the ledger is transferred from the financial IC card 400. When deleted, the information recording unit 2250 checks the ledger-side transfer target financial means information (at least one or more financial means information to be transferred to the financial IC card 400 on the ledger) included in the financial instrument transfer processing information. And, characterized in that the ledger-side transfer target financial means information is recorded in the financial IC card (400).

Hereinafter, a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing agency through FIGS. 23, 24, 25, 26 and 27 will be shown in FIG. An exemplary embodiment in which the financial instrument transfer server 2155 and 2155 interoperates with the ledger server 2100 to perform the financial instrument transfer procedure according to the present invention will be described.

However, the financial instrument transfer procedure according to the present invention is not always performed only in the financial transaction process, and those skilled in the art belong to the present invention, in addition to the financial transaction process, It will be possible to infer various implementation methods performed, and the present invention includes all implementation methods inferred.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may have a predetermined financial instrument transfer policy (or condition) in the financial instrument transfer server 2155 and 2155 shown in FIG. 21 in addition to the embodiment shown below. Read the transaction history information based on the information to confirm whether the transfer of financial means according to the present invention, and if the transfer of the financial means is confirmed, the financial IC card (2155) (2155) in the financial means transfer server (2155) (2155) 400) After providing the customer approval request information for transferring the financial means to the customer communication means, and receiving the financial means transfer approval information corresponding to the customer approval request information from the customer communication means, predetermined financial means transfer processing information By generating and providing to the IC card terminal 300 currently used by the financial IC card 400 customers, it can infer an implementation method for transferring the financial means. Could be.

In addition, if those skilled in the art to which the present invention pertains, in addition to the embodiment shown below, the financial means transfer policy (or conditions) in the financial means transfer server (2155) (2155) shown in FIG. Read the transaction history information based on the information to confirm whether the transfer of financial means according to the present invention, and if the transfer of the financial means is confirmed, the financial IC card (2155) (2155) in the financial means transfer server (2155) (2155) 400) providing the customer approval request information for transferring the financial means to the customer communication means, receiving and storing the financial means transfer approval information corresponding to the customer approval request information from the customer communication means, and then storing the financial IC card. In the financial transaction process using the predetermined IC card terminal 300, the customer generates predetermined financial means transfer processing information without a customer approval procedure, thereby generating the IC card terminal 300. ), It will be possible to infer an implementation method for transferring the financial means.

FIG. 23 is a diagram illustrating an operation process of the IC card terminal 300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 23 illustrates a financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. As the operation process of the IC card terminal 300 for the process of performing the financial means transfer procedure according to the present invention in conjunction with the ledger server 2100, specifically ledger-based financial IC card 400 according to the present invention In the process of starting a financial transaction using the ledger-based financial IC card 400 in the IC card terminal 300 is inserted into the IC card terminal 300 shown in FIG. It shows an implementation method for.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 to start various financial transactions using the ledger-based financial IC card 400 in the IC card terminal 300. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 23, the operation mode checking process and the validity authentication process of the IC card terminal 300 may be reversed, and the validity authentication process may perform biometric information according to the intention of a person skilled in the art in addition to validity authentication using a PIN. It may be replaced by the validity authentication used.

In the following figure, the IC card terminal 300 is referred to as " terminal " for convenience.

Referring to FIG. 23, a terminal equipped with a financial transaction function using the ledger-based financial IC card 400 according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (2300). When a predetermined IC card is inserted through the IC card reader (2305), the terminal performs an initialization procedure for the financial IC card 400 through the IC card reader (2310).

Those skilled in the art will be familiar with the technical features of the IC card initialization procedure, so a detailed description thereof will be omitted for convenience.

If the initialization procedure for the financial IUC card is completed through the IC card reader (2315), the terminal outputs a validity authentication interface screen (for example, a screen requesting to input a predetermined PIN) using a predetermined PIN. A predetermined PIN is input through the validity authentication interface screen to check whether validity of the financial IC card 400 (and / or at least one financial means associated with the financial IC card 400 is authenticated (2325). .

If the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is not authenticated (2330), the terminal outputs a predetermined validity authentication error message ( 2335), the financial transaction procedure using the ledger-based financial IC card 400 is terminated.

On the other hand, if the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated (2330), the terminal receives a predetermined financial means identifier (or The IC card unique information) is read (2340), and a predetermined financial instrument information request message including the read financial instrument identifier (or IC card unique information) is generated (2345).

Thereafter, the terminal checks whether a communication channel is connected to the ledger server 2100 to transmit and receive the full financial instrument information request message through the communication network (2350).

If a communication channel capable of transmitting and receiving the financial instrument information request message is not connected between the terminal and the ledger server 2100 (2355), the terminal communicates with the ledger server 2100 and the financial means through the communication network. In operation 2360, a predetermined communication channel capable of transmitting and receiving the information request message is connected.

On the other hand, if the communication channel capable of transmitting and receiving the financial instrument information request message between the terminal and the ledger server 2100 is already connected (2355) or is connected through a communication channel connection procedure (2360), the terminal is Sending the full financial instrument information request message to the ledger server 2100 through the communication channel (2365), the ledger server 2100 includes at least one financial instrument information to the terminal through the process as shown in FIG. To transfer the full text of financial instruments information.

24 is a diagram illustrating an operation process of the ledger server 2100 for financial transactions using the ledger-based financial IC card 400 according to an embodiment of the present invention.

In more detail, FIG. 24 shows the financial means transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. The operation process of the ledger server 2100 for the process of performing the financial transaction transfer procedure according to the present invention in conjunction with the ledger server 2100, specifically the financial means information through the process as shown in FIG. At least one or more corresponding to the ledger-based financial IC card 400 on the basis of the financial instrument identifier (or IC card unique information) included in the financial instrument information request text, at the ledger server 2100 having received the request message; Identify a financial instrument and generate a predetermined financial instrument information text including at least one financial instrument information corresponding to the identified financial account and transmit it to the IC card terminal 300. Exemplary method illustrates a.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to convert the financial instrument identifier (or IC card unique information) included in the financial instrument information request text in the ledger. Identify at least one financial instrument corresponding to the ledger-based financial IC card 400 and generate a predetermined financial instrument information telegram including at least one financial instrument information corresponding to the identified financial account. Various implementation methods for transmitting to the card terminal 300 may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In the following figure, the IC card terminal 300 is referred to as "terminal" for convenience, and the ledger server 2100 is referred to as "server" for convenience.

Referring to FIG. 24, the ledger server 2100 equipped with a financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full financial instrument information request message from at least one terminal through the communication network. Periodically check whether the full financial instrument information request message is received from a predetermined terminal (2405), and the server reads the full financial instrument information request telegram to determine a predetermined financial instrument identifier (or IC card). Unique information) and retrieves the ledger D / B 2135 based on the extracted financial instrument identifier (or IC card unique information), thereby extracting the extracted information from the ledger D / B 2135. At least one ledger information matching the financial instrument identifier (or IC card unique information) is retrieved (2415).

If at least one ledger information that matches the extracted financial instrument identifier (or IC card unique information) is retrieved from the ledger D / B 2135 (2420), the server from the ledger D / B 2135 Extract at least one financial instrument information (for example, financial instrument information corresponding to the ledger-based financial IC card 400 according to the present invention) matching the financial instrument identifier (or IC card unique information); A predetermined financial instrument information full text including the extracted at least one financial instrument information is generated (2430).

In this case, the financial instrument transfer server 2155 and 2155 illustrated in FIG. 21 may be configured to use the financial IC card 400 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 2150. Transfer the at least one financial means (for example, the financial means provided in the financial IC card 400) to the ledger by reading at least one fixed period or monthly / quarterly transaction history information corresponding to And / or transfer the financial means provided in the ledger to the financial IC card 400 (2435).

If the financial instrument transfer is not confirmed (2440), the server transmits the generated financial instrument information telegram to the terminal through the communication network (2455).

On the other hand, if at least one financial instrument transfer is not confirmed (2440), the financial instrument transfer server (2155) (2155) generates a predetermined customer approval request information to provide to the server (2445), and correspondingly the server After including the customer approval request information in the generated financial instrument information telegram (2450), the financial instrument information telegram is transmitted to the terminal through the communication network (2455).

25 is a diagram illustrating an operation process of the IC card terminal 300 for financial transaction processing using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 25 shows a financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. The operation of the IC card terminal 300 for the process of performing the financial transaction transfer procedure according to the present invention in conjunction with the ledger server 2100, specifically, the financial means through the process as shown in FIG. In the IC card terminal 300 having received the information text, the financial transaction using the ledger-based financial IC card 400 according to the present invention is performed based on at least one or more financial means information included in the financial means information text message. The method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 25 based on at least one financial instrument information included in the full financial instrument information in the IC card terminal 300. Various implementation methods for processing a financial transaction using the ledger-based financial IC card 400 according to the present invention may be inferred, but the present invention includes all of the inferred implementation methods and is shown in FIG. 25. It is not limited to only.

In the following figure, the IC card terminal 300 is referred to as " terminal " for convenience.

Referring to FIG. 25, the terminal that transmits the financial instrument information request telegram to the ledger server 2100 through the process illustrated in FIG. 23 may correspond to at least the financial instrument information request telegram from the ledger server 2100. Waiting for a predetermined financial instrument information text including one or more financial instrument information to be received (2500), and if at least one financial instrument information from the ledger server 2100 through the process shown in FIG. When the predetermined financial instrument information text is received (2505), the terminal extracts at least one financial instrument information included in the financial instrument information telegraph, and the predetermined financial transaction information is extracted from the at least one financial instrument information. Output a predetermined financial instrument selection interface screen for selecting a financial instrument (2510), and through the financial instrument selection interface screen Check that for a financial transaction financial instrument is selected (2515).

If a predetermined financial transaction financial means is selected through the financial means selection interface screen (2520), the terminal selects a predetermined financial transaction among at least one financial transaction that can be processed in response to the selected financial transaction financial means. A predetermined financial transaction selection interface screen is output (2525), and the predetermined financial transaction to be processed through the financial means for financial transaction is selected through the financial transaction interface screen (2530).

If a predetermined financial transaction to be processed through the financial transaction financial means is selected through the financial transaction selection interface screen (2535), the terminal corresponds to at least a predetermined financial transaction to be processed through the financial transaction financial means. Outputting a financial transaction information input interface screen for inputting one or more financial transaction information (2540), and at least one corresponding to a predetermined financial transaction to be processed through the financial transaction financial means through the financial transaction information input interface screen; Check whether financial transaction information is input (2545).

If all financial transaction information corresponding to a predetermined financial transaction to be processed through the financial instrument for financial transaction is input (2550), the terminal may input the financial instrument financial instrument information and the input at least one financial transaction information. Generate a full financial transaction request, including (2555).

Thereafter, the terminal checks whether the received financial instrument information text includes predetermined customer approval request information (2560).

According to another exemplary embodiment of the present disclosure, the method may include verifying that the customer approval request information is included in the full financial instrument information, and / or receiving financial instrument transfer approval information corresponding to the customer approval request information. It may be performed before the full financial transaction request is generated, and thus the present invention is not limited thereto.

If the financial instrument information message does not include predetermined customer approval request information (2565), the terminal transmits the generated financial transaction request message to the ledger server 2100 through the communication network (2585).

On the other hand, if the financial instrument information preamble includes predetermined customer approval request information (2565), the terminal receives predetermined financial instrument transfer approval information for inputting predetermined financial instrument transfer approval information corresponding to the customer approval request information. The input interface is output and it is checked whether predetermined financial instrument transfer approval information is input through the predetermined key input means (2570).

If predetermined financial instrument transfer approval information is input through the financial instrument transfer approval information input interface (2575), the terminal includes the financial instrument transfer approval information in the full text of the financial transaction request (2580). The request message is transmitted to the ledger server 2100 through the communication network (2585).

FIG. 26 illustrates an operation process of the ledger server 2100 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 26 illustrates a financial instrument transfer server 2155 and 2155 as shown in FIG. 21 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. The operation process of the ledger server 2100 for the process of performing the financial means transfer procedure according to the present invention in conjunction with the ledger server 2100, specifically, the financial transaction request through the process as shown in Figure 25 In the ledger server 2100 that receives the information, the financial transaction information corresponding to the financial transaction information through the financial transaction financial means based on the financial transaction information and at least one financial transaction information included in the financial transaction request message, It shows an implementation method for processing a financial transaction.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 and at least one of the financial means information for financial transactions included in the financial transaction request in the ledger server 2100. Based on the above financial transaction information, various implementation methods for processing a financial transaction corresponding to the financial transaction information can be inferred through the financial means for financial transaction, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Hereinafter, the IC card terminal 300 is referred to as " terminal " for convenience and the ledger server 2100 is referred to as " server "

Referring to FIG. 26, if the ledger server 2100 equipped with the financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full text of the financial transaction request from at least one terminal through the communication network, Periodically checks whether the financial transaction request message is received from a predetermined terminal (2605), and the server reads the financial transaction request message and reads the financial instrument information and at least one or more financial means information for the financial transaction. Extracting financial transaction information (2610), and interworking with the ledger D / B 2135 based on the extracted financial transaction information and at least one financial transaction information, the financial transaction through the financial transaction financial means; The financial transaction corresponding to the transaction information is processed (2615).

If a financial transaction corresponding to the financial transaction information is processed through the financial transaction financial means (2620), the server generates predetermined financial transaction detail information including the financial transaction processing result (2625), and generates the financial transaction. The financial transaction details information linked to the account ledger corresponding to the financial means for financial transactions of the ledger D / B 2135 and storing them (2630), and prescribes a predetermined financial transaction text including the financial transaction details information. Create (2635).

Thereafter, the server checks whether the financial transaction request message includes predetermined financial instrument transfer approval information (2640).

According to another exemplary embodiment of the present invention, the method may further include determining whether the financial instrument transfer approval information is included in the preamble of the financial transaction request, and / or generating predetermined financial instrument transfer processing information corresponding to the financial instrument transfer approval information. The step may be performed before the full financial transaction is generated, whereby the present invention is not limited.

If the financial transaction request message does not include predetermined financial instrument transfer approval information (2645), the server transmits the financial transaction message to the terminal through the communication network (2695).

If the financial transaction request message includes predetermined financial instrument transfer approval information (2645), the server provides the financial instrument transfer approval information to the financial instrument transfer server (2155) (2155) (2650), In response, the financial instrument transfer server 2155 and 2155 verifies the validity of the financial instrument transfer approval information (2655).

According to an embodiment of the present invention, the financial instrument transfer approval information is a predetermined symmetric key method (eg, a method of verifying validity by checking whether the financial instrument transfer approval information is compared with a predetermined information provided on the server side and matching). In the case of including the password form of (), the server checks the validity of the financial instrument transfer approval information by the symmetric key method.

According to another exemplary embodiment of the present invention, when the financial instrument transfer approval information is encrypted, the server verifies the validity of the financial instrument transfer approval information by decrypting the financial instrument transfer approval information.

If the validity of the financial instrument transfer approval information is not authenticated (2660), the financial instrument transfer server 2155 and 2155 generates predetermined financial instrument transfer error information and provides it to the server (2665). After the server includes the financial instrument transfer error information in the financial transaction telegram (2670), the server transmits the financial transaction telegram to the terminal through the communication network (2695).

On the other hand, if the validity of the financial instrument transfer approval information is authenticated (2660), the financial instrument transfer server (2155) (2155) generates the financial instrument transfer processing information corresponding to the validity authentication result (2675).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

Thereafter, the financial instrument transfer server 2155 and 2155 change the ledger information corresponding to the financial instrument transfer processing information in association with the financial system (2680).

According to the method of the present invention, the financial instrument transfer server 2155 and 2155 correspond to the financial IC card 400 transfer target financial instrument information included in the financial instrument transfer processing information in association with the financial system. Delete / erased and / or deactivated financial instrument identifiers contained on the ledger.

Further, the financial instrument transfer server 2155 and 2155 adds the financial instrument identifier on the ledger corresponding to the ledger-side transfer target financial instrument information included in the financial instrument transfer processing information in association with the financial system. Include and / or deactivate.

According to another embodiment of the present invention, the process of processing the ledger information change corresponding to the financial instrument transfer processing information in connection with the financial system in the financial instrument transfer server (2155) (2155), the IC card terminal ( After receiving the information recording result corresponding to the financial instrument transfer processing information from 300, it may be performed, whereby the present invention is not limited.

Thereafter, the financial instrument transfer server 2155 and 2155 provide the financial instrument transfer processing information to the server (2685), and correspondingly, the server includes the financial instrument transfer processing information in the financial transaction text. Thereafter (2690), the financial transaction message is transmitted to the terminal through the communication network (2695).

27 is a view showing an operation process of the IC card terminal 300 for completing the financial transaction using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 27 shows a financial means transfer server 2155 (2155) shown in FIG. 21 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. In the operation of the IC card terminal 300 for the process of performing the financial means transfer procedure in accordance with the present invention in conjunction with the ledger server 2100, specifically the financial transaction through the process as shown in Figure 26 The method for performing a financial transaction using the ledger-based financial IC card 400 according to the present invention on the basis of the at least one financial transaction history information included in the financial transaction text is received at the IC card terminal 300. It is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 27 based on at least one financial transaction history information included in the full text of the financial transaction in the IC card terminal 300. Although various implementation methods for completing a financial transaction using the ledger-based financial IC card 400 according to the present invention may be inferred, the present invention includes all of the inferred implementation methods, and the implementation method illustrated in FIG. 27. It is not limited to only.

In the following Figure 27, the IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 27, the terminal that transmits the financial transaction request telegram to the ledger server 2100 through the process illustrated in FIG. 25 may include at least one or more corresponding to the financial transaction request telegram from the ledger server 2100. Waiting for a predetermined financial transaction text including financial transaction history information is received (2700), and if the predetermined transaction including the financial transaction processing result from the ledger server 2100 through the process shown in FIG. When a predetermined financial transaction message including financial transaction history information is received (2705), the terminal reads the financial transaction message and outputs the financial transaction history information included in the financial transaction message on the terminal screen, and / Or stores the financial transaction history information in the memory unit 2270 (2710).

Thereafter, the terminal checks whether the financial transaction text includes the financial instrument processing information (2715).

If the financial transaction text does not include the financial means processing information (2720), the terminal prints and outputs the financial transaction history information included in the financial transaction text through a predetermined printing device (2725). Complete the financial transaction using the ledger-based financial IC card 400 according to the invention.

On the other hand, if the financial transaction includes the financial means processing information (2720), the terminal of the financial means provided in the financial IC card 400, the financial IC card 400 side included in the processing information before the financial means The financial instrument corresponding to the transfer target financial instrument information is deleted (2730).

If the financial IC card 400 side transfer target financial means information is deleted (2735), the terminal corresponds to the ledger side transfer target financial means information included in the financial instrument transfer processing information on the financial IC card 400. Record the financial means (2740).

If the ledger-side transfer target financial means information is recorded (2745), the terminal outputs the financial instrument transfer result on the screen (2750), the financial transaction history included in the full text of the financial transaction through a predetermined printing device By printing and outputting the information and the financial instrument transfer result (2755), the financial transaction and financial instrument transfer process using the ledger-based financial IC card 400 according to the present invention is completed.

28 is a diagram illustrating a functional configuration of a third institution IC card terminal 300 for processing financial transactions using the ledger-based financial IC card 400 according to another embodiment of the present invention.

More specifically, FIG. 28 shows that a third institution IC card terminal 300 including a CD / ATM operated and / or managed by a predetermined third institution is financed using the ledger-based financial IC card 400 according to the present invention. As shown in the preferred functional configuration for processing a transaction, those of ordinary skill in the art to which the present invention pertains, each third institution IC card terminal 300 is referred to by referring to and / or modifying this figure 28. Various implementation methods can be inferred in the case of a terminal, and / or a wired terminal and / or a wireless terminal and / or a home appliance terminal having a predetermined IC card reader, and / or a payment terminal provided in a predetermined merchant. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 28, the third institutional IC card terminal 300 recognizes an MS card and / or an IC card and acquires predetermined information, and a third institutional IC card terminal 300. A screen output unit 2210 for outputting a processing screen to each financial transaction step provided through the step, a key input unit 2215 for receiving predetermined information corresponding to each financial transaction step, and the ledger through a predetermined financial network. The communication unit 2255 which communicates with the server 2100, and the third institution IC card terminal 300 are provided with at least one financial transaction processing information for the financial transaction processing, and predetermined financial transaction history information after the financial transaction. A memory unit 2270 for storing, a cash payment unit 2265 for paying cash for each financial transaction, a power supply unit 2175 for supplying power to the third institution IC card terminal 300, and at least one Terminal function unit 2260 and the third engine IC DE is made by a controller 2220 for controlling each functional configuration unit provided in the terminal 300.

The control unit 2220 controls the overall operation of the third institution IC card terminal 300 in function configuration, manages the flow of information or data between each component, ledger-based financial IC card 400 according to the present invention Control at least one or more components provided in the third institution IC card terminal 300 for a financial transaction based on the hardware, and is a hardware (Central Processing Unit) / MPU (Micro Processing Unit) And at least one processor including at least one processor, an execution memory (eg, a register), a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor. Loading into the execution memory from a predetermined recording medium provided in the third institution IC card terminal 300 to perform a specific function (Lo ading) and a predetermined program routine (Routine) and / or program data which are arithmetic processed by the processor.

In particular, the controller 2220 controls a predetermined operating system and / or terminal to manage the third institution IC card terminal 300 after the third institution IC card terminal 300 is booted by software. This includes program routines.

Hereinafter, FIG. 28 shows at least one program component provided in the third institution IC card terminal 300 for financial transactions based on the ledger-based financial IC card 400 according to the present invention. Will be shown in the following description.

The card reader unit 2205 provides an interface between the card and the third institution IC card terminal 300 to read at least one or more information or data included in the card for at least one or more financial transactions. And an MS reader unit for interfacing the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the third institution IC card terminal 300, and / or the ledger-based financial IC card 400 according to the present invention. Contact IC reader and / or ISO / IEC 14443 for interfacing a contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard with a third institution IC card terminal 300 for financial transaction processing based on It comprises a contactless IC reader unit for interfacing a non-contact IC card based on the standard with a third engine IC card terminal 300, wherein the contact IC reader unit and / or contactless IC reader unit is the third engine IC car That corresponds to the IC card reader provided in the terminal 300 is preferred.

The MS reader unit is a card reader unit 2205 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. And interfacing predetermined information or data from the at least one track included in the MS of the MS card to the third institution IC card terminal 300, wherein the cash card and / or the MS card are provided. Or it is preferably used for cash withdrawal using a debit card.

The contact IC reader unit is a card reader unit 2205 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) associated with a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and removing predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized by interfacing to the three institutions IC card terminal 300, it is preferably used for financial transactions using the ledger-based financial IC card 400 associated with the IC card.

The non-contact IC reader unit is a card reader unit 2205 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the engine IC card terminal 300.

The screen output unit 2210 is output from the third institution IC card terminal 300 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 2220. And at least one information or data which is predefined or defined in real time. The key input unit 2215 is provided in the information or data which is predefined to be output on the screen by the third institution IC card terminal 300. Key data input through the information, information stored or generated by the components provided in the third institution IC card terminal 300, information transmitted and received through the communication unit 2255, the third institution IC card terminal 300 It includes data corresponding to a predetermined calculation result to be performed.

According to the exemplary embodiment of the present invention, the screen output unit 2210 uses a processing screen and / or an interface screen according to each financial transaction step using the ledger-based financial IC card 400 according to the present invention as a predetermined screen output device. It is preferable to output.

The key input unit 2215 is provided with at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from the key input device of the controller and inputs the key input device to the key input device in a specific input mode and / or operation mode of the third engine IC card terminal 300 controlled by the controller 2220. When predetermined information (or signal) is input from the provided key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2220. The control unit 2220 may acquire predetermined key data corresponding to the key event in the current input mode and / or operation mode of the third institution IC card terminal 300, and / or the key event. Wow And obtaining a command for executing a predetermined function that is matched and defined.

The key input unit 2215 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the third institution IC card terminal 300.

According to an embodiment of the present invention, a key input device interlocking with the key input unit 2215 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the exemplary embodiment of the present invention, the key input unit 2215 may receive at least one or more pieces of information for each financial transaction step using the ledger-based financial IC card 400 according to the present invention from a predetermined key input device. Do.

The communication unit 2255 may perform a transaction function (for example, a transaction function interoperating with the third institution IC card terminal 300 and the external system of each financial system) provided in the third institution IC card terminal 300. Characterized in that it provides a communication means, the network communication unit for providing a transactional communication with the ledger server 2100 provided on the financial system through a financial network (for example, party network, CD / ATM network, etc.) 2255 and / or a cable communication unit 2255 and / or infrared ray providing transactional communication with an external communication device through a predetermined cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) Communication with the local area communication device through at least one short range wireless communication including communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN, Wi-Fi, and ultra wide band system (UWB). Provide transactional communication It includes a short-range communication unit 2255, and comprises a communication protocol and a communication application for providing transactional communication in software.

According to an embodiment of the present invention, the communication unit 2255 is financed using the ledger server 2100 and the ledger-based financial IC card 400 on the financial system via a predetermined financial network through the network communication unit 2255. It is desirable to connect a communication channel for processing a transaction.

The memory unit 2270 is a storage medium 2145 that stores at least one information or data required for the control unit 2220 to perform a predetermined control function, and is electrically hardware and programmable read only memory (EEPROM). ), At least one storage means including a flash memory (FM), a hard disk drive (HDD), and a predetermined program required by the controller 2220 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an exemplary embodiment of the present invention, the memory unit 2270 may include at least one of the third institution IC card terminals 300 used to process financial transactions using the ledger-based financial IC card 400 according to the present invention. It is preferable to store the financial transaction processing information, and / or after the financial transaction processing using the ledger-based financial IC card 400, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 2265 is a financial transaction result corresponding to a card read through the card reader unit 2205 from a predetermined financial system through the communication unit 2255, and a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result) and, if received, cash (or cash requested by the financial transaction customer) in the third institution IC card terminal 300 corresponding to the cash payment command (or cash payment approval result). Read out from the predetermined cash storage unit 2280 is characterized in that the payment to the customer through a predetermined cash discharge unit (2285).

The terminal function unit 2260 is a component provided in the third institution IC card terminal 300 in addition to the components shown in FIG. 28 and / or the third institution IC card terminal 300 for a predetermined purpose or role. ) Is typically provided to those skilled in the art such as a secure application module (SAM) for supporting financial transactions and / or a print output unit for printing and outputting a receipt and / or a biometric device for biometrics. It consists of various additional function configuration according to the intention of the.

Those skilled in the art to which the present invention pertains will easily understand each terminal function unit 2260 provided in accordance with the characteristics of the third institution IC card terminal 300, so a detailed description thereof will be provided. Omit.

Referring to FIG. 28, the third institution IC card terminal 300 is provided with a predetermined financial IC card through the card reader unit 2205 to provide the ledger-based financial IC card 400 service according to the present invention. 400, the validity authentication unit 2225 certifies validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 using a predetermined PIN). And if the validity of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) is authenticated, a financial instrument identifier and / or ledger interworking information is read from the IC card. An information checking unit 2120 for reading the information ledger 2230 and the predetermined ledger interworking information, and confirming a predetermined ledger server 2100 corresponding to the organization that issued the financial IC card 400; Financial instrument information including the financial instrument identifier Sending the generated financial means information request telegram to the ledger server 2100 through the telegram generator 2805 for generating a request telegram and the communication unit 2255, the financial instrument information from the ledger server 2100 The screen output unit 2210 receives an interface text for receiving the financial instrument information corresponding to the request text and selects a financial instrument for a predetermined financial transaction from among at least one financial instrument information included in the received financial instrument information telegram. Characterized in that it comprises a specialized processing unit 2810 to output through.

In addition, when a predetermined financial transaction financial means is selected from the interface screen output through the screen output unit 2210, the third institution IC card terminal 300 corresponds to the predetermined financial instrument corresponding to the financial transaction financial means. Preferably, the information input unit 2245 receives financial transaction information for processing a financial transaction. In this case, the full text generation unit 2805 includes the financial transaction information and financial transaction information. It is preferable to generate a financial transaction request telegram, and the specialized processing unit 2810 transmits the generated financial transaction request telegram to the ledger server 2100 through the communication unit 2255, and from the ledger server 2100. Receiving a financial transaction text corresponding to the financial transaction request text, and outputs the financial transaction history included in the financial transaction text through the screen output unit 2210 It is preferred.

In addition, when the third institution IC card terminal 300 transfers the financial means between the financial IC card 400 and the ledger according to the present invention, the financial IC card 400 in the financial IC card 400 through the card reader unit 2205. An information recording unit 2250 for deleting at least one financial instrument information to be transferred onto the ledger and recording at least one financial instrument information to be transferred to the financial IC card 400 on the ledger in the financial IC card 400 Characterized in that further comprises.

When the predetermined IC card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit of the card reader unit 2205, the validity authentication unit 2225 is connected to the key input unit 2215. Interworking to receive a predetermined PIN, and based on the entered PIN, confidentiality, authentication, integrity and denial of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400). At least one or more financial means associated with the financial IC card 400 (and / or the financial IC card 400) by the validity authentication unit 2225. When the validity is verified, a predetermined financial transaction procedure using the ledger-based financial IC card 400 according to the present invention is normally performed.

According to an exemplary embodiment of the present invention, the validity authentication unit 2225 is connected to the financial IC card 400 (and / or the financial IC card 400) after a predetermined IC card is inserted into the IC card reader. It is desirable to carry out a validation process for at least one financial instrument.

According to the exemplary embodiment of the present invention, the validity authentication unit 2225 is configured to switch the operation mode of the third institution IC card terminal 300 to the financial transaction mode after a predetermined IC card is inserted into the IC card reader. Or, when a predetermined IC card is inserted into the IC card reader after the operation mode of the third institution IC card terminal 300 is switched to the financial transaction mode, the financial IC card 400 (and / or It is preferable to perform a validity authentication procedure for at least one financial means associated with the financial IC card 400.

The information reading unit 2230, if the validity of the at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) by the validity authentication unit 2225, the A predetermined financial instrument identifier is read from the financial IC card 400, and the read financial instrument identifier is provided to the full text generation unit 2805.

In addition, the information reading unit 2230 is ledger interlocking information for confirming a predetermined ledger server 2100 corresponding to the organization that issued the financial IC card 400 from the financial IC card 400 is validated The read ledger interworking information is provided to the information checking unit 2175.

The information checking unit 2175 reads the read ledger interlocking information and provides a ledger-based financial transaction service according to the present invention to the third institution IC card terminal 300. Characterized in that the check.

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And address information for accessing the ledger server 2100 having the financial account information and / or the bank account information included in the account ledger corresponding to the data of the address information included in the ledger interworking information. The address system follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying the ledger server 2100 having bank account information), and the code information (or number) included in the ledger interworking information is a bank code. (Eg 01: Bank of Korea, 02: Korea Development Bank, 03: Small Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06: Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Korea Export-Import Bank) , 09: Kookmin Bank (long-term credit bank), ... etc.).

When the predetermined ledger server 2100 capable of providing the ledger-based financial transaction service according to the present invention is confirmed by the information confirming unit 2120, the full text generation unit 2805 is the information reading unit 2230. Generate a predetermined financial instrument information request message including a financial instrument identifier read from the IC card, wherein the financial instrument information request telegram is in addition to the financial instrument identifier; Third institution IC card terminal 300 address information and / or the third institution IC card terminal 300 ID information and / or the third institution IC card terminal 300 administrator (or operator) information corresponding to It may be made including at least one, the third institution IC card terminal 300 address information and / or the third institution IC card terminal 300 ID information and / or the third institution IC card terminal 300 Administrator (or luck User) information or the like is preferably extracted from the financial transaction processing information stored in the memory unit 2270 of the third institution IC card terminal 300.

The specialized processing unit 2810 transmits the generated financial means information request full text through the communication unit 2255 to the ledger server 2100 corresponding to the ledger interworking information. The ledger server 2100 Waits for the financial instrument information telegram including at least one financial instrument information corresponding to the ledger-based financial IC card 400 to be received.

If a financial instrument information telegram including at least one financial instrument information corresponding to the ledger-based financial IC card 400 is received, the specialized processor 2810 may include at least one or more financial instrument information telegrams. Extracting financial means information and outputting an interface screen for selecting a financial means for a predetermined financial transaction from the extracted at least one financial means information through the screen output unit 2210; In operation 2215, a predetermined financial transaction financial means is selected from among at least one financial means included in the interface screen.

If a predetermined financial transaction financial means is selected from at least one financial means included in the interface screen, the specialized processor 2810 may designate a predetermined financial transaction among at least one financial transaction that can be processed through the financial transaction financial means. An interface screen for selecting a transaction is output through the screen output unit 2210, wherein a predetermined financial transaction is selected from at least one financial transaction included in the interface screen through the key input unit 2215. Wait for that.

If a predetermined financial transaction among at least one financial transaction included in the interface screen is selected, the specialized processor 2810 outputs an interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And output financial information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 2215 through the key input unit 2215. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial means and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 2245 is the financial transaction financial. Information on the withdrawal amount to be withdrawn from the Sudan, the deposit account number to which the withdrawal amount is transferred and deposited, the financial instrument password for the financial transaction, the account transfer password, and a security card corresponding to the financial instrument for the financial transaction; It comprises at least one predetermined security card number of the plurality of security card numbers.

If the financial transaction information input is completed, the specialized processor 2810 provides the financial transaction information and the input at least one financial transaction information to the specialized generator 2805.

The full text generation unit 2805 generates a full text transaction request message including the financial means financial means information and the input at least one financial transaction information, and provides the generated full financial transaction request text to the specialty processing unit. .

The specialized processing unit may transmit the generated financial transaction request message to the ledger server 2100, and the financial means information for the financial transaction and the input at least one financial transaction from the ledger server 2100. Wait for a predetermined financial transaction text message including the predetermined financial transaction history information corresponding to the information to be received.

If a predetermined financial transaction text including the financial transaction history information is received, the specialized processor extracts the financial transaction history information included in the received financial transaction text and outputs the extracted financial transaction history information on the screen. It outputs through the unit 2210.

According to the method of the present invention, the received financial transaction telegram may further include at least one recent financial transaction history, in addition to the financial transaction information and the financial transaction history information corresponding to the financial transaction information. In this case, it is preferable that the specialized processing unit further outputs the received at least one recent financial transaction history through the screen output unit 2210.

In addition, the specialized processing unit preferably stores the financial transaction history information extracted from the received financial transaction telegram in the memory unit 2270 for a predetermined period of time, whereby various additional services such as canceling the last transaction can be easily performed. Can be provided.

In order to transfer the financial means between the financial IC card 400 and the ledger according to the present invention, the information processing unit 2240 is a financial means between the financial IC card 400 and the ledger in the financial transaction received from the ledger server 2100 And receiving the customer approval request information for transfer, in this case outputting the customer approval request information for transferring the financial means between the financial IC card 400 and the ledger through the screen output unit 2210 It is characterized by.

Thereafter, the information input unit 2245 receives the financial instrument transfer approval information corresponding to the customer approval request information through the key input unit 2215.

If the financial instrument transfer approval information is input through the information input unit 2245, the information processing unit 2240 includes a predetermined financial instrument transfer server 2155 and 2155 (or ledger) including the financial instrument transfer approval information. Server 2100), and the financial means for transferring financial means between the financial IC card 400 and the ledger from the financial means transfer server 2155 and 2155 (or ledger server 2100). Receiving means transfer processing information.

According to one embodiment of the present invention, the financial instrument transfer approval information and the financial instrument transfer processing information is preferably transmitted and received in a predetermined form.

According to another exemplary embodiment of the present invention, the financial instrument transfer approval information and the financial instrument transfer processing information correspond to the institution operating the third institution IC card terminal 300 and / or the financial IC card 400. It is preferable to transmit and receive in the form of traffic data corresponding to the communication protocol standard defined by the authority managing the ledger.

According to the implementation method of the present invention, the financial instrument transfer approval information is confidentiality that the customer who issued the financial IC card 400 approved the financial instrument transfer between the financial IC card 400 and the ledger according to the present invention, It is desirable to include information to ensure authentication, integrity and nonrepudiation.

For example, the financial instrument transfer approval information may include a validity verification result confirmed through a PIN corresponding to the financial IC card 400, and / or a predetermined password (eg, provided on the ledger). Account password, or a financial instrument transfer approval password).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

When the financial instrument transfer processing information for transferring the financial instrument between the financial IC card 400 and the ledger is received from the financial instrument transfer server 2155 and 2155 (or the ledger server 2100), the information recording unit 2250 ) Confirms the financial IC card 400 side transfer target financial means information (at least one or more financial means information to be transferred to the ledger from the financial IC card 400) included in the financial instrument transfer processing information, And the financial instrument information corresponding to the identified financial IC card 400 transfer target financial instrument information from the financial IC card 400.

If there is no financial instrument information to transfer from the financial IC card 400 to the ledger, and / or financial instrument information to transfer from the financial IC card 400 to the ledger is transferred from the financial IC card 400. When deleted, the information recording unit 2250 checks the ledger-side transfer target financial means information (at least one or more financial means information to be transferred to the financial IC card 400 on the ledger) included in the financial instrument transfer processing information. And, characterized in that the ledger-side transfer target financial means information is recorded in the financial IC card (400).

Hereinafter, in the financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution through FIGS. 29, 30, 31 and 32 and 33, the financial means shown in FIG. A preferred embodiment for performing the financial instrument transfer procedure in accordance with the present invention in connection with the ledger server 2100 in the server (2155) (2155) will be described.

However, the financial instrument transfer procedure according to the present invention is not always performed only in the financial transaction process, and those skilled in the art belong to the present invention, in addition to the financial transaction process, It will be possible to infer various implementation methods performed, and the present invention includes all implementation methods inferred.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may have a predetermined financial instrument transfer policy (or condition) in the financial instrument transfer server 2155 and 2155 shown in FIG. 21 in addition to the embodiment shown below. Read the transaction history information based on the information to confirm whether the transfer of financial means according to the present invention, and if the transfer of the financial means is confirmed, the financial IC card (2155) (2155) in the financial means transfer server (2155) (2155) 400) After providing the customer approval request information for transferring the financial means to the customer communication means, and receiving the financial means transfer approval information corresponding to the customer approval request information from the customer communication means, predetermined financial means transfer processing information Generating and providing to the third institution IC card terminal 300 currently used by the financial IC card 400 customer, thereby transferring the financial means. It could be inferred.

In addition, if those skilled in the art to which the present invention pertains, in addition to the embodiment shown below, the financial means transfer policy (or conditions) in the financial means transfer server (2155) (2155) shown in FIG. Read the transaction history information based on the information to confirm whether the transfer of financial means according to the present invention, and if the transfer of the financial means is confirmed, the financial IC card (2155) (2155) in the financial means transfer server (2155) (2155) 400, after providing the customer approval request information for transferring the financial means to the customer communication means, and receiving and storing the financial means transfer approval information corresponding to the customer approval request information from the customer communication means, the financial IC card ( 400, the customer generates the predetermined financial means transfer processing information without the customer approval procedure in the financial transaction process using the predetermined third institution IC card terminal 300, By providing a tube IC card terminal 300, it will be able to infer the exemplary method of transferring the financial instruments.

29 is a diagram illustrating an operation process of the third institution IC card terminal 300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 29 shows the ledger at the financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. As an operation process of the third institution IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the server 2100, specifically, ledger-based financial IC card ( After inserting the IC card associated with 400 to the third institution IC card terminal 300 shown in FIG. T, the third institution IC card terminal 300 uses the ledger-based financial IC card 400. It shows the implementation method for the process of initiating a financial transaction.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 29 to perform financial transactions using the ledger-based financial IC card 400 in the third institution IC card terminal 300. Various implementation methods disclosed may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in this figure 29, the operation mode checking process and the validity authentication process of the third institution IC card terminal 300 may be reversed, and the validity authentication process may be performed in accordance with the intention of the person skilled in the art in addition to the validity authentication using the PIN. It may be replaced by validity authentication using biometric information.

In the following figure, the third institution IC card terminal 300 is referred to as " terminal " for convenience.

Referring to FIG. 29, the terminal equipped with the financial transaction function using the ledger-based financial IC card 400 according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (2900). When a predetermined IC card is inserted through the IC card reader (2905), the terminal performs an initialization procedure for the financial IC card 400 through the IC card reader (2910).

Those skilled in the art will be familiar with the technical features of the IC card initialization procedure, so a detailed description thereof will be omitted for convenience.

If the initialization procedure for the financial IUC card is completed through the IC card reader (2915), the terminal outputs a validity authentication interface screen (for example, a screen requesting to input a predetermined PIN) using a predetermined PIN. A predetermined PIN is input through the validity authentication interface screen to check whether validity of the financial IC card 400 (and / or at least one financial means associated with the financial IC card 400 is authenticated (2925). .

If the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is not authenticated 2930, the terminal outputs a predetermined validity authentication error message ( 2935), the financial transaction procedure using the ledger-based financial IC card 400 is terminated.

On the other hand, if the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated 2930, the terminal receives a predetermined financial means identifier and And / or read the ledger interlocking information (2940), read the ledger interlocking information, and provide a predetermined ledger server 2100 (e.g., the financial IC card 400) to provide the ledger-based financial transaction service according to the present invention. Checks the financial server and / or financial system corresponding to the issuing organization (2945).

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And address information for accessing the ledger server 2100 having the financial account information and / or the bank account information included in the account ledger corresponding to the data of the address information included in the ledger interworking information. The address system follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying the ledger server 2100 having bank account information), and the code information (or number) included in the ledger interworking information is a bank code. (Eg 01: Bank of Korea, 02: Korea Development Bank, 03: Small Business Bank, 04: National Bank, 05: Korea Exchange Bank, 06: Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Korea Export-Import) Banks, 09: Kookmin Bank (long-term credit bank), ..., etc.).

If the ledger server 2100 is not confirmed (2950), the terminal outputs a predetermined ledger server 2100 confirmation error message (2955), the financial transaction procedure using the ledger-based financial IC card 400 Quit.

If the ledger server 2100 is confirmed (2950), the terminal generates a predetermined financial instrument information request message including the read financial instrument identifier (2960).

According to another embodiment of the present invention, when all the financial IC card 400 operates on the ledger basis, the financial instrument identifier may be omitted in the full financial instrument information request, and thus, the present invention is not limited thereto.

Thereafter, the terminal checks whether a communication channel is connected to the ledger server 2100 that will transmit and receive the full financial instrument information request message through the communication network (2965).

If a communication channel capable of transmitting and receiving the financial instrument information request message is not connected between the terminal and the ledger server 2100 (2970), the terminal communicates with the ledger server 2100 and the financial means through the communication network. A predetermined communication channel capable of transmitting and receiving the information request message is connected (2975).

On the other hand, if a communication channel capable of transmitting and receiving the financial instrument information request message between the terminal and the ledger server 2100 is already connected (2970) or is connected through a communication channel connection procedure (2975), the terminal is The full text instrument information request is transmitted to the ledger server 2100 through the communication channel (2980), and the ledger server 2100 includes at least one financial means information to the terminal through the process as shown in FIG. To transfer the full text of financial instruments information.

30 is a diagram illustrating an operation process of the ledger server 2100 for financial transactions using the ledger-based financial IC card 400 according to an embodiment of the present invention.

More specifically, FIG. 30 shows the ledger at the financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. The operation process of the ledger server 2100 for the process of performing the financial instrument transfer procedure according to the present invention in conjunction with the server 2100, specifically, the financial instrument information request through the process as shown in Figure 29 In the received ledger server 2100, at least one financial means corresponding to the ledger-based financial IC card 400 on the basis of the financial instrument identifier (or IC card unique information) included in the full financial instrument information request. Generate and transmit a predetermined financial instrument information text message including at least one financial instrument information corresponding to the identified financial account and transmit it to the third institution IC card terminal 300. It illustrates an exemplary method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 30 to convert the financial instrument identifier (or IC card unique information) included in the financial instrument information request text in the ledger. Identify at least one financial instrument corresponding to the ledger-based financial IC card 400 and generate a predetermined financial instrument information text including at least one financial instrument information corresponding to the identified financial account. It will be possible to infer various implementation methods for transmitting to the three institutional IC card terminal 300, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the drawing, the third institution IC card terminal 300 is referred to as a "terminal" for convenience, and the ledger server 2100 is referred to as a "server" for convenience.

Referring to FIG. 30, the ledger server 2100 equipped with a financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full financial instrument information request message from at least one terminal through the communication network. Periodically, and if the financial instrument information request text message is received from a predetermined terminal (3005), the server reads the financial instrument information request text message to determine a predetermined financial instrument identifier (or IC). Extract the card unique information) (3010), and retrieve the ledger D / B 2135 based on the extracted financial instrument identifier (or IC card unique information), thereby extracting the card from the ledger D / B 2135. At least one ledger information matching the financial instrument identifier (or IC card unique information) is retrieved (3015).

If at least one ledger information that matches the extracted financial instrument identifier (or IC card unique information) is retrieved from the ledger D / B 2135 (3020), the server from the ledger D / B 2135 Extract (3025) at least one or more financial instrument information (for example, financial instrument information corresponding to the ledger-based financial IC card 400 according to the present invention) matching the financial instrument identifier (or IC card unique information); A predetermined financial instrument information full text including the extracted at least one financial instrument information is generated (3030).

At this time, the financial instrument transfer server 2155 and 2155 shown in FIG. 21 is based on the financial instrument transfer policy (or condition) information stored in the policy D / B 2150. Transfer the at least one financial instrument (e.g., the financial instrument provided in the financial IC card 400) to the ledger by reading at least one or more fixed periods or monthly / quarterly transaction history information corresponding to Or transfer the financial means provided in the ledger to the financial IC card 400) (3035).

If the financial instrument transfer is not confirmed (3040), the server transmits the generated financial instrument information telegram to the terminal through the communication network (3055).

On the other hand, if at least one financial instrument transfer is not confirmed (3040), the financial instrument transfer server (2155) (2155) generates a predetermined customer approval request information to provide to the server (3045), corresponding to the server After including the customer approval request information in the generated financial means information telegram (3050), and transmits the financial means information telegram to the terminal through the communication network (3055).

31 is a diagram illustrating an operation process of the third institution IC card terminal 300 for financial transaction processing using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 31 shows the ledger at the financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. As an operation process of the third institution IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the server 2100, specifically, the financial means through the process as shown in FIG. In the third institution IC card terminal 300 receiving the full text of the information, a financial transaction using the ledger-based financial IC card 400 according to the present invention is performed based on at least one or more financial means information included in the full text of the financial means information. The implementation method to process is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 31 and at least one or more financial means information included in the full financial instrument information in the third institution IC card terminal 300. Based on the present invention, various implementation methods for processing financial transactions using the ledger-based financial IC card 400 according to the present invention may be inferred, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

In the following Figure 31, the third engine IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 31, the terminal that has transmitted the financial instrument information request telegram to the ledger server 2100 through the process illustrated in FIG. 29 may correspond to at least one of the financial instrument information request telegrams from the ledger server 2100. Waiting for the predetermined financial instrument information text including one or more financial instrument information to be received (3100), and if at least one financial instrument information is included from the ledger server 2100 through the process illustrated in FIG. 30. When a predetermined financial instrument information telegram is received (3105), the terminal extracts at least one financial instrument information included in the financial instrument information telegraph, and the predetermined financial transaction information among the extracted at least one financial instrument information. Output a predetermined financial instrument selection interface screen for selecting the means of financing (3110), and through the financial instrument selection interface screen Check that for a financial transaction financial instrument is selected (3115).

If a predetermined financial transaction financial means is selected through the financial means selection interface screen (3120), the terminal selects a predetermined financial transaction among at least one financial transaction that can be processed in response to the selected financial transaction financial means. A predetermined financial transaction selection interface screen is output (3125), and the predetermined financial transaction to be processed through the financial means for financial transaction is selected through the financial transaction interface screen (3130).

If a predetermined financial transaction to be processed through the financial transaction financial means is selected through the financial transaction selection interface screen (3135), the terminal corresponds to at least a predetermined financial transaction to be processed through the financial transaction financial means. A financial transaction information input interface screen for inputting one or more financial transaction information (3140), and at least one corresponding to a predetermined financial transaction to be processed through the financial transaction financial means through the financial transaction information input interface screen; It is checked whether financial transaction information is input (3145).

If all financial transaction information corresponding to a predetermined financial transaction to be processed through the financial instrument for financial transaction is input (3150), the terminal may input the financial instrument financial instrument information and the input at least one financial transaction information. A full financial transaction request message is included (3155).

Thereafter, the terminal checks whether or not predetermined customer approval request information is included in the received financial instrument information telegram (3160).

According to another exemplary embodiment of the present disclosure, the method may include verifying that the customer approval request information is included in the full financial instrument information, and / or receiving financial instrument transfer approval information corresponding to the customer approval request information. It may be performed before the full financial transaction request is generated, and thus the present invention is not limited thereto.

If the financial instrument information message does not include predetermined customer approval request information (3165), the terminal transmits the generated financial transaction request message to the ledger server 2100 through the communication network (3185).

On the other hand, if the financial instrument information preamble includes predetermined customer approval request information (3165), the terminal receives predetermined financial instrument transfer approval information for inputting predetermined financial instrument transfer approval information corresponding to the customer approval request information. The input interface is output and it is checked whether predetermined financial instrument transfer approval information is input through the predetermined key input means (3170).

If predetermined financial instrument transfer approval information is input through the financial instrument transfer approval information input interface (3175), the terminal includes the financial instrument transfer approval information in the full text of the financial transaction request (3180). The request message is transmitted to the ledger server 2100 through the communication network (3185).

32 is a view showing the operation of the ledger server 2100 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 32 shows the ledger at the financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. Regarding the operation process of the ledger server 2100 for the process of performing the financial means transfer procedure according to the present invention in conjunction with the server 2100, specifically, receives the full financial transaction request through the process as shown in FIG. In one ledger server 2100, a financial transaction corresponding to the financial transaction information through the financial transaction financial means based on the financial transaction information and at least one financial transaction information included in the full financial transaction request. It shows an implementation method of processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 32 and at least one of the financial means information for financial transactions included in the financial transaction request in the ledger server 2100. Based on the above financial transaction information, various implementation methods for processing a financial transaction corresponding to the financial transaction information can be inferred through the financial means for financial transaction, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

32, the third institution IC card terminal 300 is referred to as a " terminal " for convenience, and the ledger server 2100 is referred to as a " server " for convenience.

Referring to FIG. 32, the ledger server 2100 equipped with the financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full text of the financial transaction request from at least one terminal through the communication network. In operation 3200, if the financial transaction request message is received from a predetermined terminal (3205), the server reads the financial transaction request message and reads the financial instrument information for financial transaction and at least one or more information. Extracts financial transaction information (3210), and interlocks with the ledger D / B 2135 based on the extracted financial transaction information and at least one financial transaction information to perform the financial transaction through the financial transaction financial means; The financial transaction corresponding to the transaction information is processed (3215).

If a financial transaction corresponding to the financial transaction information is processed through the financial means for financial transaction (3220), the server generates (3225) predetermined financial transaction details information including the financial transaction processing result. The financial transaction details information linked to the account ledger corresponding to the financial means for financial transactions of the ledger D / B 2135 and storing the information (3230), and predetermined financial transaction details including the financial transaction details information. Create (3235).

Thereafter, the server checks whether the financial transaction request message includes predetermined financial instrument transfer approval information (3240).

According to another exemplary embodiment of the present invention, the method may further include determining whether the financial instrument transfer approval information is included in the preamble of the financial transaction request, and / or generating predetermined financial instrument transfer processing information corresponding to the financial instrument transfer approval information. The step may be performed before the full financial transaction is generated, whereby the present invention is not limited.

If the financial transaction request message does not include predetermined financial instrument transfer approval information (3245), the server transmits the financial transaction message to the terminal through the communication network (3295).

If the financial transaction request message includes predetermined financial instrument transfer approval information (3245), the server provides the financial instrument transfer approval information to the financial instrument transfer server (2155) (2155) (3250), In response, the financial instrument transfer server 2155 and 2155 verifies the validity of the financial instrument transfer approval information (3255).

According to an embodiment of the present invention, the financial instrument transfer approval information is a predetermined symmetric key method (eg, a method of verifying validity by checking whether the financial instrument transfer approval information is compared with a predetermined information provided on the server side and matching). In the case of including the password form of (), the server checks the validity of the financial instrument transfer approval information by the symmetric key method.

According to another exemplary embodiment of the present invention, when the financial instrument transfer approval information is encrypted, the server verifies the validity of the financial instrument transfer approval information by decrypting the financial instrument transfer approval information.

If the validity of the financial instrument transfer approval information is not authenticated (3260), the financial instrument transfer server (2155) (2155) generates predetermined financial instrument transfer error information and provides it to the server (3265), After the server includes the financial instrument transfer error information in the financial transaction telegram (3270), the server transmits the financial transaction telegram to the terminal through the communication network (3295).

On the other hand, if the validity of the financial instrument transfer approval information is authenticated (3260), the financial instrument transfer server (2155) (2155) generates the financial instrument transfer processing information corresponding to the validity authentication result (3275).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account Financial account information and / or bank account information included in the account ledger, and the financial means information to be recorded on the financial IC card 400 includes predetermined IC card storage information (for example, financial IC card ( A financial means that can be stored in the IC card storage information (e.g., electronic bank account storage information) which is formed in the form of a card application capable of post issuance (400). Information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer's financial account) may be all in the form, and the present invention is not limited thereto.

Thereafter, the financial instrument transfer server 2155 and 2155 changes the ledger information corresponding to the financial instrument transfer processing information in connection with the financial system (3280).

According to the method of the present invention, the financial instrument transfer server 2155 and 2155 correspond to the financial IC card 400 transfer target financial instrument information included in the financial instrument transfer processing information in association with the financial system. Delete / erased and / or deactivated financial instrument identifiers contained on the ledger.

Further, the financial instrument transfer server 2155 and 2155 adds the financial instrument identifier on the ledger corresponding to the ledger-side transfer target financial instrument information included in the financial instrument transfer processing information in association with the financial system. Include and / or deactivate.

According to another embodiment of the present invention, the process of processing the ledger information change corresponding to the financial instrument transfer processing information in connection with the financial system in the financial instrument transfer server (2155) (2155), the third institution IC After receiving the information recording result corresponding to the financial instrument transfer processing information from the card terminal 300, it may be performed, whereby the present invention is not limited.

Thereafter, the financial instrument transfer server 2155 and 2155 provide the financial instrument transfer processing information to the server (3285), and correspondingly, the server includes the financial instrument transfer processing information in the financial transaction text. Thereafter (3290), the financial transaction message is transmitted to the terminal through the communication network (3295).

33 is a diagram illustrating an operation process of the third institution IC card terminal 300 for completing a financial transaction using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 33 shows the ledger at the financial instrument transfer server 2155 and 2155 shown in FIG. 21 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. As the operation process of the third institution IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the server 2100, specifically the financial transaction through the process as shown in Figure 32 In the third institution IC card terminal 300 receiving the received, to complete a financial transaction using the ledger-based financial IC card 400 according to the present invention on the basis of at least one or more financial transaction history information included in the financial transaction text The implementation method is shown.

If one of ordinary skill in the art to which the present invention pertains, at least one or more financial transaction history information included in the full text of the financial transaction in the third institution IC card terminal 300 by referring to and / or modifying the drawing 33 Based on the present invention, various implementation methods for completing a financial transaction using the ledger-based financial IC card 400 according to the present invention may be inferred. However, the present invention includes all of the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

In the following Figure 33, the third engine IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 33, the terminal that transmits the financial transaction request telegram to the ledger server 2100 through the process illustrated in FIG. 31 may include at least one or more corresponding to the financial transaction request telegram from the ledger server 2100. Waiting for a predetermined financial transaction text including financial transaction history information to be received (3300), and if the predetermined financial including the financial transaction processing result from the ledger server 2100 through the process shown in FIG. 32. When a predetermined financial transaction text including transaction history information is received (3305), the terminal reads the financial transaction text and outputs the financial transaction history information included in the financial transaction text on the terminal screen, and And / or stores the financial transaction details in the memory unit 2270 (3310).

Thereafter, the terminal determines whether the financial transaction processing information is included in the financial transaction text (3315).

If the financial transaction message does not include the financial means processing information (3320), the terminal prints and outputs the financial transaction history information included in the financial transaction message (3325) through a predetermined printing device. Complete the financial transaction using the ledger-based financial IC card 400 according to the invention.

On the other hand, if the financial transaction includes the financial means processing information (3320), the terminal of the financial means provided in the financial IC card 400, the financial IC card 400 side included in the processing information before the financial means The financial instrument corresponding to the transfer target financial instrument information is deleted (3330).

If the financial IC card 400 side transfer target financial means information is deleted (3335), the terminal corresponds to the ledger side transfer target financial means information included in the financial instrument transfer processing information on the financial IC card 400. Record the financial means (3340).

If the ledger-side transfer target financial means information is recorded (3345), the terminal outputs the financial instrument transfer result on the screen (3350), the financial transaction history contained in the full text of the financial transaction through a predetermined printing device By printing and outputting information and the financial instrument transfer result (3355), the financial transaction and financial instrument transfer process using the ledger-based financial IC card 400 according to the present invention is completed.

34 is a diagram illustrating a system for switching / reissuing and re-issuing a ledger-based financial IC card 400 according to another embodiment of the present invention.

More specifically, Figure 34 shows that a customer who has been issued a conventional IC chip-based financial IC card 400 from a financial institution converts the financial IC card 400 into a ledger-based financial IC card 400 according to the present invention (or reissues it). When a request is made to, the ledger-based financial IC card 400 issuance and information registration system constituting the ledger information as one or more of the figures 11a and / or 11b and / or 11c, the present invention Those skilled in the art may refer to and / or modify the drawing 34 to change the IC chip-based financial IC card 400 to the ledger-based financial IC card 400 according to the present invention. The IC chip-based financial IC card 400 may be converted into a ledger-based financial IC card 400 according to the present invention, and various system configurations for processing information registration may be inferred, but the present invention is inferred from the above. It includes all implementation methods, and is not limited by the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, at least one including financial products, insurance products, securities and cash cards, in addition to at least one or more financial means issuance, such as opening the financial account and issuing an electronic bank account. Various forms for the host-based financial IC card 400 service according to the present invention in issuing other financial means and / or issuing at least one or more payment means including credit cards, check cards, debit cards, and prepaid cards. It is possible to infer the configuration of the financial IC card 400 issuance and information registration system, but the present invention includes all the system configuration inferred.

In addition, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 12 and 34 so that the customer may receive a cash card and / or a debit card and / or a credit card from the financial institution. And / or when an MS card corresponding to a financial means including at least one of a check card and / or an electronic bankbook and / or electronic money is issued, the MS card is transferred to the ledger-based financial IC card 400 according to the present invention. It will be possible to infer an implementation method for converting and issuing, and the present invention includes all the inferred implementation methods.

Hereinafter, a server (or device) for processing issuance and information registration of the ledger-based financial IC card 400 according to the present invention in connection with the teller terminal on the financial system is referred to as an "information registration server 3400" for convenience. .

Issuing and information registration system of the ledger-based financial IC card 400 is provided in each branch of the financial institution, the terminal terminal used by the teller of the branch, and connected to the terminal terminal through a predetermined financial network And an information registration server 3400 provided on a financial system of a financial institution, and a ledger D / B 3430 for storing ledger information corresponding to a financial account opened to the customer.

The teller terminal receives predetermined customer financial means information and predetermined financial IC card 400 conversion request information from the customer for issuing the ledger-based financial IC card 400 according to the present invention. And a function of transmitting the financial IC card 400 switching request information to the information registration server 3400 through the financial network. The financial IC card 400 switching request information is based on the IC chip. Information is requested to convert the financial IC card 400 to the ledger-based financial IC card 400 according to the present invention.

Here, to issue the ledger-based financial IC card 400 according to the present invention, by connecting or including a predetermined financial instrument identifier to a predetermined ledger (or additional information associated with the ledger) corresponding to the financial account, When a predetermined IC card terminal 300 reads an IC card processed as having been issued with a financial IC card 400 corresponding to the account, and the validity thereof is confirmed, a financial instrument identifier is connected or included on the financial system. By transmitting the financial instrument information from the ledger to the IC card terminal 300, the financial instrument information is processed as if it were read from the financial IC card 400.

According to an exemplary embodiment of the present invention, the customer may apply a predetermined financial IC card 400 conversion application (for example, an application having a form corresponding to the customer financial means information item and the financial IC card 400 conversion request information item). It is preferable to provide the customer financial means information and the financial IC card 400 conversion request information to the teller terminal by filling in the form, and submitting the application for switching the financial IC card 400 to the teller.

According to another exemplary embodiment of the present invention, the customer inputs a predetermined information input device (for example, a customer financial means information input item and a financial IC card 400 switch request information input device associated with the window terminal). Outputting a screen for inputting an information input interface including an item, and providing the information to an information input item corresponding to the information input interface through a predetermined key input device; It is possible to provide information and the financial IC card 400 switch request information to the counter terminal, whereby the present invention is not limited.

In addition, the teller terminal reads predetermined IC card specific information from the financial IC card 400, and / or assigns a predetermined financial instrument identifier (and / or ledger interworking information and / or to the IC card according to another implementation method). And an IC card reader for recording the ledger linked storage information).

According to the method of the present invention, the teller terminal reads predetermined IC card unique information from the financial IC card 400 through the IC card reader, and the IC card unique information is read by the customer financial means information and financial IC. It is preferable to provide to the information registration server 3400 by including in the card 400 switch request information.

According to an exemplary embodiment of the present invention, the teller terminal receives a predetermined financial instrument identifier (and / or ledger interlocking information and / or ledger interlocking storage information) from the information registration server 3400. It is preferable to record in the IC card storage information storage area of the IC card.

Referring to FIG. 34, the information registration server 3400 provides a communication channel for switching / issuing at least one window terminal and the financial IC card 400 switching request information and the financial IC card 400 through a predetermined financial network. An interface unit 3400 for connection and management, an information receiving unit 3410 which receives predetermined customer financial means information and financial IC card 400 switching request information from the window terminal in association with the interface unit 3400; An information generator 3420 for generating at least one ledger information (eg, an account ledger) corresponding to a financial account opened to the customer based on the customer financial means information and the financial IC card 400 conversion request information; And an information storage unit 3425 which stores the generated at least one ledger information in the ledger D / B 3430.

According to an embodiment of the present invention, in order to issue a ledger-based financial IC card 400 according to an embodiment of the present invention to a customer in which the new financial account is opened, the information registration server 3400 may include the information receiving unit ( An information confirmation unit 3415 which determines whether to issue the ledger-based financial IC card 400 according to the present invention by reading the financial IC card 400 switching request information received through 3410; When issuing the ledger-based financial IC card 400 according to the above, the information generating unit 3420 preferably generates a financial means identifier to be processed in conjunction with the ledger information, and / or the information receiving unit 3410 It is preferable to receive a predetermined financial instrument identifier from the window terminal.

According to the method of the present invention, when the confirmation result of the information checking unit 3415 is requested to issue the ledger-based financial IC card 400 according to the present invention corresponding to the financial account, the information storage unit 3425 May include the generated (or received) financial instrument identifier in the ledger information and store it in the ledger D / B 3430, and / or associate the generated (or received) financial instrument identifier with the ledger information. And stored in the ledger D / B (3430).

The interface unit 3400 may include at least one or more window terminals and predetermined financial IC card 400 switching request information provided at at least one or more branches operated by the financial institution through a predetermined financial network (eg, a branch network); It connects a predetermined communication channel for issuing the ledger-based financial IC card 400 according to the present invention, characterized in that for maintaining and managing the communication channel.

The communication channel connected to and managed by the interface unit 3400 and at least one window terminal is a communication channel connected between a financial system provided in the financial institution and at least one window terminal through a dedicated communication network. According to an embodiment of the present invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server 3400, the transaction protocol ( And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or transaction) adopted by a specific financial system Specialized structure corresponding to the protocol) The present invention is not limited by the.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 3410 receives the predetermined customer financial means information and the financial IC card 400 switching request information from the window terminal in cooperation with the interface unit 3400, the financial IC card 400 The switch request information preferably includes information for checking whether the IC chip-based financial IC card 400 previously issued to the customer is requested to switch to the ledger-based financial IC card 400 according to the present invention. .

The information confirming unit 3415 reads the financial IC card 400 conversion request information, thereby checking the IC chip-based financial IC card 400 previously issued to the customer based on the ledger-based financial IC card 400 according to the present invention. It is characterized by checking whether to switch to).

According to an exemplary embodiment of the present invention, the verification result of the information checking unit 3315 is based on the IC chip-based financial IC card 400 previously issued to the customer to the ledger-based financial IC card 400 according to the present invention. When requested to switch, the information receiving unit 3410 further includes a predetermined IC card specific information corresponding to the financial IC card 400, and the information storing unit 3425 receives the receiving unit. The IC card unique information as the financial instrument identifier and include the information in the ledger information and store it in the ledger D / B 3430, and / or process the received financial instrument identifier in association with the ledger information. It is desirable to store in the D / B (3430).

According to the method of the present invention, the IC card unique information is read from the financial IC card 400 issued to the customer through the IC card reader provided in the window terminal and the information receiving unit through the interface unit 3400. Preferably received at 3410.

According to an exemplary embodiment of the present invention, the IC card unique information received from the window terminal through the information receiving unit 3410 may include a chip serial number of the financial IC card 400 or may be included in the IC card. It is possible to include at least one key value (or hash code), which is not intended to limit the present invention.

According to another exemplary embodiment of the present invention, when a predetermined official certificate is provided in the financial IC card 400, the IC card unique information may include the public certificate copy number and / or public key copy information included in the public certificate. Or the like, or when a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card 400, the IC card unique information is determined by the card. Information (eg, credit card information, check card information, debit card information, cash card information, etc.) may be included. At least one biometric information of the customer is provided on the IC card. The unique information may include the biometric information of the customer, and thus the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, when issuance of the ledger-based financial IC card 400 according to the present invention is requested corresponding to the financial account, the information generating unit 3420. Is further characterized by generating a predetermined financial instrument identifier, the information storage unit 3425 is preferably stored in the ledger D / B (3430) by processing the generated financial instrument identifier in association with the ledger information. Do.

In addition, the information generator 3420 may further generate predetermined ledger interlocking information and / or ledger interlocking storage information according to the intention and / or method of a person skilled in the art. The generated ledger interlocking information and / or Ledger linked storage information is provided to the teller terminal, it is preferably recorded in the financial IC card (400).

35 is a diagram showing a relationship between financial IC card 400 stored information and ledger information provided in the ledger-based financial IC card 400 according to an embodiment of the present invention.

More specifically, FIG. 35 is provided in the financial IC card 400 converted / reissued to operate based on a predetermined ledger through the ledger-based financial IC card 400 conversion / reissue and information registration system shown in FIG. Financial IC card 400 storage information (eg, financial IC card 400 application, application data, IC chip storage data, etc.) and financial means information (eg, customer finance) stored in the ledger D / B 3430 on the financial system. As one embodiment showing the relationship between the financial account information and / or bank account information included in the account ledger corresponding to the account, specifically stored in the financial IC card 400 storage information of the financial IC card 400 At least one financial means information corresponding to the information stored in the financial IC card 400 in the financial system, for example, is included in the account ledger corresponding to the customer financial account. It shows an embodiment equipped with a financial account information and / or account information).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 35 to store the financial IC card 400 according to the present invention and the financial means information provided in the financial system (for example, a customer). Although various relationships between the financial account information and / or the bank account information included in the account ledger corresponding to the financial account may be inferred, the present invention includes all the inferred implementation methods, and is illustrated in FIG. It is not limited to the method alone.

Here, the financial IC card 400 stored information (eg, the financial IC card 400 application, application data, IC chip storage data, etc.) included in the ledger-based financial IC card 400 may include at least one financial account information. Although illustrated as corresponding to an electronic bank account including, the present invention is not limited thereto, and the IC card storage information may correspond to at least one or more other financial means and / or payment means in addition to the electronic bank account. The present invention is not limited thereby.

Hereinafter, the IC card storage information corresponding to the electronic bank account provided in the financial IC card 400 is referred to as "electronic bank account storage information" in FIGS. 13A and 13B.

Referring to Figure 35, the IC card for ledger-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically It is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The electronic bank account storage information for the present invention is stored in an area except the protection area and the COS control area. desirable.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the electronic bank account storage information for the present invention also comprises such a file structure.

Referring to FIG. 35, the financial IC card 400 has only a storage area in which predetermined electronic bank account storage information can be stored, and null data is stored in the storage area (eg, electronic bank account in the storage area). Only a dedicated file corresponding to the storage information exists, and the element file is not stored). In this case, the IC card terminal 300 has a storage area in which the electronic bank account storage information can be stored in the IC card. It is possible to check whether the IC card is ledger-based financial IC card 400 according to the present invention based on whether or not.

According to another exemplary embodiment of the present invention, in addition to the presence of the storage area, various IC card unique information corresponding to the financial IC card 400 (for example, the chip serial number of the financial IC card 400 and the IC card are included in the IC card). At least one key value (or hash code), public certificate number, public key copy information included in the public certificate, at least one card information, biometric information, etc.), the financial instrument identifier according to the present invention. Ledger-based financial IC card 400 can be used as confirmation information, thereby the present invention is not limited.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a ledger-based financial IC card 400 service according to the present invention. When used as a means identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the public certificate copy information included in the official certificate number and / or the official certificate is based on the ledger according to the present invention. When used as a financial instrument identifier for providing the financial IC card 400 service, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400. The card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention. If the biometric information of the customer is provided on the IC card, the biometric information of the customer may be used as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

According to another embodiment of the present invention, the electronic bank account storage information itself may be omitted (not shown) in the IC card, whereby the present invention is not limited.

When the electronic bank account storage information itself is omitted in the IC card as described above, the chip serial number of the IC card and / or at least one key value (or hash code) included in the IC card is based on the ledger-based finance according to the present invention. Used as a financial instrument identifier for providing the IC card 400 service, or when a predetermined official certificate is provided in the IC card, the public certificate copy number and / or public key copy information included in the public certificate It is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention, or a predetermined card (for example, credit card, check card, debit card, cash card, etc.) When provided, the card information (eg, credit card information, check card information, debit card information, cash card information, etc.) to provide the ledger-based financial IC card 400 service according to the present invention It is used as a financial means identifier for the purpose, or when the biometric information for the customer is provided in the IC card, the biometric information of the customer as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention It can be used, thereby the present invention is not limited.

In the ledger-based financial transaction procedure using the ledger-based financial IC card 400 shown in FIG. 35, the financial instrument identifier (or electronic bank account identifier) from the financial IC card 400 in a predetermined IC card terminal 300 At least one or more financial means information, which is stored and matched with the financial instrument identifier (or electronic bank account identifier) from the financial server and / or financial system 3500 through a communication network, For example, after extracting and receiving financial account information and / or bank account information included in an account ledger corresponding to a customer financial account, the extracted and received at least one financial means information (for example, an account corresponding to a customer financial account). And at least one financial transaction through financial account information and / or bank account information included in the ledger. The.

According to an embodiment of the present invention, the ledger-based financial transaction procedure using the ledger-based financial IC card 400, the operation of the IC card terminal 300 in the institution that issued the financial IC card 400 / By supplying, when the IC card terminal 300 is provided with a function of confirming and extracting information used as the financial instrument identifier (or electronic bank account identifier), the IC card terminal 300 includes the financial instrument identifier (or At least one financial instrument information (e.g., financial account information included in the account ledger corresponding to the customer financial account) and / or stored from the financial server and / or the financial system 3500 through the electronic bank account identifier. Or bankbook information) to process at least one or more financial transactions.

If the IC card terminal 300 is a third IC card terminal 300 that is operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 In the case of the third institution IC card terminal 300 is not provided with a function for identifying and extracting the information used as the financial instrument identifier, the financial IC card 400 is the third institution IC card terminal 300 To extract and receive at least one or more financial means information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system 3500 At least one or more financial means information (eg, corresponding to the customer financial account) from the financial server and / or the financial system 3500 managing the ledger corresponding to the stored information for the ledger linked service (eg, the customer's financial account (or electronic bank account)). It is preferable that a financial IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving the financial account information and / or bank account information included in the account ledger are provided.

36A and 36B illustrate an IC card storage information structure for providing a ledger-based financial IC card 400 service in a third institution IC card terminal 300 according to an exemplary embodiment of the present invention.

More specifically, FIGS. 36A and 36B illustrate a ledger-based according to the present invention in a predetermined third institution IC card terminal 300 in the financial IC card 400 operating based on the ledger as shown in FIG. 35. Financial IC card 400 service (e.g., at least one or more financial means information (e.g., an account corresponding to a customer financial account) from a predetermined financial server and / or financial system 3500 in the third institution IC card terminal 300 Ledger corresponding to the storage information (for example, customer financial account (or electronic bank account)) for the ledger interlocking service for providing financial account information and / or bankbook information) to extract and receive bank account information) At least one or more financial means information (for example, financial account information and / or communication included in the account ledger corresponding to the customer financial account) A method of implementing a banking IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving chapter information), specifically, FIG. 36A is a ledger-based banking illustrated in FIG. The electronic bank storage information provided in the IC card 400 shows application information and / or storage information for ledger interworking services in the form of IC chip storage data. FIG. 36B is based on the ledger shown in FIG. 35. The financial IC card 400 is provided with an integrated ledger storage information in the form of an IC card application, and shows that the financial IC card 400 is linked with the electronic bankbook storage information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 36a and 36b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it would be possible to infer the storage information configuration for various ledger interlocking services for providing the ledger-based financial IC card 400 service in accordance with the present invention, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIGS. 36A and 36B.

Referring to FIG. 36A, the electronic bank account storage information provided in the ledger-based financial IC card 400 shown in FIG. 35 includes only a predetermined IC card storage information storage area. Ledger interworking in the form of application data and / or IC chip stored data corresponding to the stored information for the ledger interworking service in order to provide the ledger-based financial IC card 400 service according to the present invention in a third institution IC card terminal 300 Information is provided.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information. At least one IC card terminal 300 confirms that the financial account information and / or bank account information included in the account ledger corresponding to the account is provided, and the IC card terminal 300 In the case of the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system 3500.

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And the address information for accessing the financial server and / or the financial system 3500 having the financial account information and / or the bank account information included in the account ledger corresponding to the third institution. The IC card terminal 300 accesses a financial server and / or a financial system 3500 corresponding to the electronic bank account storage information based on the address information, and at least one or more financial means corresponding to the financial instrument identifier shown in FIG. After extracting and receiving the information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), At least one financial transaction procedure is performed through the financial means information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account).

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying the financial server and / or the financial system 3500 with bankbook information), whereby the third institution IC card terminal 300 is included. At least one or more financial means information corresponding to the financial instrument identifier shown in FIG. 35 by accessing the financial server and / or the financial system 3500 corresponding to the electronic bank account storage information based on the code information (or number). For example, after extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial means information (for example, the customer At least one financial transaction procedure through financial account information and / or bank account information included in the account ledger corresponding to the financial account.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

Referring to FIG. 36B, the electronic bank account storage information provided in the ledger-based financial IC card 400 shown in FIG. 35 includes only a predetermined IC card storage information storage area. In addition to the electronic bank account stored information, the third party IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention through the financial IC card 400 in the third ledger interworking service Ledger interlocked storage information in the form of an IC card application corresponding to the storage information for the application is provided, the ledger interlocked storage information is provided in the financial IC card 400 is processed in association with the electronic bankbook storage information.

According to an embodiment of the present invention, the ledger interlocking stored information is provided by the third institution IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention. An IC card application to be used at 300, wherein the ledger linked storage information is at least one or more financial means information corresponding to the electronic bank account stored information (at least one communication network in the third institution IC card terminal 300); For example, the application server includes predetermined ledger interworking information for accessing the financial server and / or the financial system 3500 including the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account. It is preferable to make it.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information. And at least one IC card terminal 300 confirming that the financial account information and / or bank account information included in the account ledger corresponding to the account is provided, and the IC card terminal 300 In the case of the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system 3500.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an exemplary embodiment of the present invention, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial information corresponding to the electronic bankbook stored information through at least one or more communication networks in the third institution IC card terminal 300. It is preferred to include address information for accessing the financial server and / or financial system 3500 having means information (e.g., financial account information and / or bank account information included in the account ledger corresponding to the customer financial account). Accordingly, the third institution IC card terminal 300 is the financial server and / or financial corresponding to the electronic bank account storage information based on the address information corresponding to the ledger interlocking information using the ledger interlocking storage information By accessing the system 3500, at least one financial instrument information corresponding to the financial instrument identifier shown in FIG. For example, after extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial account information (for example, the financial account included in the account ledger corresponding to the customer financial account). Information and / or bankbook information) to perform at least one financial transaction procedure.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

In addition, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial means information (eg, an account corresponding to a customer financial account) corresponding to the electronic bankbook stored information in the third institution IC card terminal 300. It is preferable to include predetermined code information (or number) for identifying the financial server and / or financial system 3500 having the financial account information and / or bank account information included in the ledger, thereby 3 The institution IC card terminal 300 is the financial server and / or financial system corresponding to the electronic bank account storage information based on the code information (or number) corresponding to the ledger interlocking information using the ledger interlocking storage information ( 3500) by accessing, at least one financial instrument information (e.g., corresponding to the customer financial account) corresponding to the financial instrument identifier shown in FIG. After extracting and receiving the financial account information and / or bank account information contained in the account ledger, the financial instrument information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) Carry out at least one financial transaction procedure.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

37 is a diagram showing a relationship between financial IC card 400 stored information and ledger information provided in the ledger-based financial IC card 400 according to another embodiment of the present invention.

More specifically, FIG. 37 is provided in the financial IC card 400 converted / reissued to operate based on a predetermined ledger through the ledger-based financial IC card 400 conversion / reissue and information registration system shown in FIG. Financial IC card 400 storage information (e.g., financial IC card 400 application, application data, IC chip storage data, etc.) and financial instrument information (e.g., customer) stored in the ledger D / B 3430 on the financial system. As an embodiment showing the relationship between the financial account information and / or bank account information included in the account ledger corresponding to the financial account, specifically specified in the financial IC card 400 storage information of the financial IC card 400 A predetermined serial number used as a financial instrument identifier of the financial instrument is provided, and at least one financial instrument information corresponding to the financial IC card 400 information stored in the financial system (eg, corresponds to a customer financial account). Shows an embodiment equipped with a financial account information and / or account information included in the account ledger).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 37 to understand various relationships between financial IC card 400 storage information and ledger information provided in the financial system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Here, the financial IC card 400 stored information (eg, the financial IC card 400 application, application data, IC chip storage data, etc.) included in the ledger-based financial IC card 400 may include at least one financial account information. Although illustrated as corresponding to an electronic bank account including, the present invention is not limited thereto, and the IC card storage information may correspond to at least one or more other financial means and / or payment means in addition to the electronic bank account. Therefore, the present invention is not limited thereto.

Hereinafter, the IC card storage information corresponding to the electronic bank account provided in the financial IC card 400 is referred to as "electronic bank account storage information" in FIGS. 13A and 13B.

Referring to Figure 37, the IC card for ledger-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically open Is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock Controlling information or data exchange between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the signal CLK contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The electronic bank account storage information for the present invention is stored in an area except the protection area and the COS control area. desirable.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the electronic bank account storage information for the present invention also comprises such a file structure.

Referring to FIG. 37, the electronic bank account storage information includes an information file for storing a predetermined serial number, and the serial number of the electronic bank account storage information is for the ledger-based financial IC card 400 service according to the present invention. It is preferably used as a financial instrument identifier to provide.

According to another exemplary embodiment of the present invention, the electronic bank account storage information may include, in addition to the IC card serial number, various IC card unique information corresponding to the financial IC card 400 (for example, the chip serial number of the financial IC card 400, At least one key value (or hash code) included in the IC card, public certificate number, public key copy information included in the public certificate, at least one card information, biometrics, etc.) is provided, ledger-based finance according to the present invention The IC card 400 may be used as a financial instrument identifier for providing a service, and the present invention is not limited thereto.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a ledger-based financial IC card 400 service according to the present invention. When used as a means identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the public certificate copy information included in the official certificate number and / or the official certificate is based on the ledger according to the present invention. When used as a financial instrument identifier for providing the financial IC card 400 service, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400. The card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention. If the biometric information of the customer is provided on the IC card, the biometric information of the customer may be used as a financial means identifier for providing a ledger-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

A ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400 shown in FIG. 37 is performed from the financial IC card 400 to the financial instrument identifier in a predetermined IC card terminal 300. FIG. Identifying and extracting the information used, and based on this information, at least one or more financial means information (eg, corresponding to a customer financial account) stored in correspondence with the financial instrument identifier from the financial server and / or the financial system 3500 through a communication network. After extracting and receiving financial account information and / or bank account information included in the account ledger, the extracted and received at least one financial means information (eg, financial account information included in the account ledger corresponding to the customer financial account and And / or processing at least one or more financial transactions (or electronic payments) via bankbook information).

According to the implementation method of the present invention, the ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400, the IC card terminal (at the institution that issued the financial IC card 400) By operating / supplying 300, when the IC card terminal 300 is provided with a function of checking and extracting information used as the financial means identifier, the IC card terminal 300 finances through the financial means identifier. Extract and store at least one financial instrument information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) stored in the server and / or financial system 3500 in correspondence with the financial instrument identifier; It is desirable to receive and process at least one financial transaction (or electronic payment).

If the IC card terminal 300 is a third IC card terminal 300 operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 When the third institution IC card terminal 300 is not provided with a function of checking and extracting information used as the financial instrument identifier in the financial institution card, the financial IC card 400 is connected to the third institution IC card terminal 300. Predetermined to extract and receive at least one or more financial means information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system 3500 At least one or more financial means information (e.g., corresponding to a customer financial account) from the financial server and / or financial system 3500 that manages the ledger corresponding to the stored information for the ledger linked service (e.g., the customer's financial account (or electronic bank account) It is provided a financial account information and / or account information) and the extracted financial IC card 400 application, the application for receiving data included in the account ledger, IC chip stores data and the like) are preferred.

38A and 38B illustrate an IC card storage information structure for providing a ledger-based financial IC card 400 service in a third institution IC card terminal 300 according to another exemplary embodiment of the present invention.

More specifically, Figure 38a and Figure 38b is a financial IC card 400 that operates based on the ledger as shown in Figure 37, the ledger-based according to the present invention in a predetermined third institution IC card terminal 300 Financial IC card 400 service (e.g., at least one or more financial means information (e.g., an account corresponding to a customer financial account) from a predetermined financial server and / or financial system 3500 in the third institution IC card terminal 300 Stored information (e.g., customer financial account (or electronic bank account) for ledger linked service) for providing financial account (or electronic payment) service by extracting and receiving financial account information and / or bank account information included in the ledger At least one financial instrument information (for example, a financial account included in the account ledger corresponding to the customer financial account) from the financial server and / or the financial system 3500 that manages the ledger corresponding to Bank and / or bankbook information), which shows an implementation method having a financial IC card 400 application, application data, IC chip storage data, etc.), specifically, FIG. 38A is shown in FIG. The electronic bank account storage information provided in the ledger-based financial IC card 400 is provided with the storage information for the ledger interworking service in the form of application data and / or IC chip storage data. The ledger-based financial IC card 400 shown in FIG. 1 is provided with ledger-linked storage information in the form of an IC card application, which is linked with the electronic bankbook storage information.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 38a and 38b to designate a third institutional IC card terminal for the financial IC card 400 shown in FIG. In 300, it would be possible to infer the storage information configuration for various ledger interlocking services for providing the ledger-based financial IC card 400 service in accordance with the present invention, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIGS. 38A and 38B.

Referring to FIG. 38A, the electronic bank account storage information provided in the ledger-based financial IC card 400 shown in FIG. 37 includes an information file for storing a predetermined serial number. Application data and / or IC chip storage corresponding to the storage information for the ledger interlocking service for providing the ledger-based financial IC card 400 service according to the present invention in a predetermined third institution IC card terminal 300 in addition to the serial number. The ledger interworking information in the form of data is provided.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information. At least one IC card terminal 300 confirms that the financial account information and / or bank account information included in the account ledger corresponding to the account is provided, and the IC card terminal 300 In the case of the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system 3500.

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information through at least one or more communication networks in the third institution IC card terminal 300. And the address information for accessing the financial server and / or the financial system 3500 having the financial account information and / or the bank account information included in the account ledger corresponding to the third institution. The IC card terminal 300 accesses a financial server and / or financial system 3500 corresponding to the electronic bank account storage information based on the address information, and at least one financial means corresponding to the financial instrument identifier shown in FIG. 37. After extracting and receiving the information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), It performs a financial instrument information (e.g., financial account information and / or account information included in the account ledger corresponding to the customer financial account) of at least one or more financial transactions with (or e-payment) procedure.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying the financial server and / or the financial system 3500 with bankbook information), whereby the third institution IC card terminal 300 is included. At least one or more financial means information corresponding to the financial instrument identifier shown in FIG. 37 by accessing the financial server and / or financial system 3500 corresponding to the electronic bank account storage information based on the code information (or number). For example, after extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial means information (for example, the customer At least one financial transaction (or electronic payment) procedure is performed through the financial account information and / or bank account information included in the account ledger corresponding to the financial account.

For example, the code information (or number) included in the ledger interworking information may be a bank code (eg, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

Referring to FIG. 38B, the electronic bank account storage information provided in the ledger-based financial IC card 400 shown in FIG. 37 includes an information file for storing a predetermined serial number. In addition to the electronic bank account stored information, the ledger interlocking service to provide a predetermined ledger IC card 400 according to the present invention through the financial IC card 400 in a predetermined third institution IC card terminal 300 Ledger interlocked storage information in the form of an IC card application corresponding to the storage information for the application is provided, the ledger interlocked storage information is provided in the financial IC card 400 is processed in association with the electronic bankbook storage information.

According to an embodiment of the present invention, the ledger interlocking storage information is provided by the third institution IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention. An IC card application to be used at 300, wherein the ledger linked storage information is at least one or more financial means information corresponding to the electronic bank account stored information (at least one communication network in the third institution IC card terminal 300); For example, the application server includes predetermined ledger interworking information for accessing the financial server and / or the financial system 3500 including the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account. It is preferable to make it.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information. At least one IC card terminal 300 confirms that the financial account information and / or bank account information included in the account ledger corresponding to the account is provided, and the IC card terminal 300 In the case of the third institution IC card terminal 300, the third institution IC card terminal 300 includes a function of identifying and accessing the financial server and / or the financial system 3500.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an exemplary embodiment of the present invention, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial information corresponding to the electronic bankbook stored information through at least one or more communication networks in the third institution IC card terminal 300. It is preferred to include address information for accessing the financial server and / or financial system 3500 having means information (e.g., financial account information and / or bank account information included in the account ledger corresponding to the customer financial account). Accordingly, the third institution IC card terminal 300 is the financial server and / or financial corresponding to the electronic bank account storage information based on the address information corresponding to the ledger interlocking information using the ledger interlocking storage information By accessing the system 3500, at least one financial instrument information corresponding to the financial instrument identifier shown in FIG. For example, after extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial instrument information (eg, the financial account information included in the account ledger corresponding to the customer financial account). And / or passbook information) to perform at least one financial transaction (or electronic payment) procedure.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

In addition, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial means information (eg, an account corresponding to a customer financial account) corresponding to the electronic bankbook stored information in the third institution IC card terminal 300. It is preferable to include predetermined code information (or number) for identifying the financial server and / or financial system 3500 having the financial account information and / or bank account information included in the ledger, thereby 3 The institution IC card terminal 300 is the financial server and / or financial system corresponding to the electronic bank account storage information based on the code information (or number) corresponding to the ledger interlocking information using the ledger interlocking storage information ( 3500) at least one financial instrument information corresponding to the financial instrument identifier shown in FIG. 37 (e.g., corresponding to the customer financial account). After extracting and receiving the financial account information and / or bank account information contained in the account ledger, the financial instrument information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) Perform at least one financial transaction (or electronic payment) procedure.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

39 is a diagram showing a relationship between financial IC card 400 stored information and ledger information provided in the ledger-based financial IC card 400 according to another embodiment of the present invention.

More specifically, FIG. 39 is provided in the financial IC card 400 converted / reissued to operate based on a predetermined ledger through the ledger-based financial IC card 400 conversion / reissue and information registration system shown in FIG. Financial IC card 400 storage information (eg, financial IC card 400 application, application data, IC chip storage data, etc.) and financial means information (eg, customer finance) stored in the ledger D / B 3430 on the financial system. A method of showing the relationship between the financial account information and / or bank account information included in the account ledger corresponding to the account, specifically, the predetermined information to the financial IC card 400 storage information of the financial IC card 400 At least one financial instrument information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) is provided, and the financial IC card 400 stored information in the financial system. Equipped with a corresponding rest of financial instrument information (e.g., financial account information and / or account information included in the account ledger corresponding to the customer financial account) embodiment illustrates.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 39 to understand various relationships between financial IC card 400 storage information and ledger information provided in the financial system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Here, the financial IC card 400 stored information (eg, the financial IC card 400 application, application data, IC chip storage data, etc.) included in the ledger-based financial IC card 400 may include at least one financial account information. Although illustrated as corresponding to an electronic bank account including, the present invention is not limited thereto, and the IC card storage information may correspond to at least one or more other financial means and / or payment means in addition to the electronic bank account. The present invention is not limited thereby.

Hereinafter, the IC card storage information corresponding to the electronic bank account provided in the financial IC card 400 is referred to as "electronic bank account storage information" in FIGS. 13A and 13B.

39, the IC card for the ledger-based financial IC card 400 according to the present invention is a power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically It is determined.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, And a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The electronic bank account storage information for the present invention is stored in an area excluding the protected area and the COS control area. It is preferable.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. Answer To Reset (ATR) including function information on the stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. Includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the electronic bank account storage information for the present invention also comprises such a file structure.

Referring to FIG. 39, the electronic bank account storage information may include program files and / or information corresponding to at least one or more financial means information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). Including the file, at least one financial instrument identifier (or ledger interworking information) may be further included to provide the ledger-based financial IC card 400 service according to the present invention.

Here, the financial instrument identifier may include a predetermined serial number, the financial instrument identifier is omitted directly in the electronic bank account storage information, and the various IC card unique information provided in the financial IC card 400 (for example, financial Chip serial number of the IC card 400, at least one key value (or hash code) included in the IC card, the public certificate number, public key copy information included in the public certificate, at least one card information, biometric information, etc.) May be used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention, whereby the present invention is not limited.

For example, the chip serial number of the financial IC card 400 and / or at least one key value (or hash code) included in the IC card is used to provide a ledger-based financial IC card 400 service according to the present invention. When used as a means identifier, or when a predetermined authentication certificate is provided in the financial IC card 400, the public certificate copy information included in the official certificate number and / or the official certificate is based on the ledger according to the present invention. When used as a financial instrument identifier for providing the financial IC card 400 service, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card 400. The card information (eg, credit card information, check card information, debit card information, cash card information, etc.) is used as a financial instrument identifier for providing the ledger-based financial IC card 400 service according to the present invention. If the biometric information of the customer is provided in the IC card, the biometric information of the customer may be used as a financial means identifier for providing the ledger-based financial IC card 400 service according to the present invention. The present invention is not limited by this.

Here, the basic function of the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information. And at least one IC card terminal 300 confirming that the financial account information and / or bank account information included in the account ledger corresponding to the account is provided.

According to another embodiment of the present invention, the financial instrument identifier in the electronic bank account storage information shown in FIG. 39 is replaced with a null value (or omitted) as shown in FIG. The present invention is not limited thereto.

According to another embodiment of the present invention, the financial instrument identifier included in the electronic bank account storage information shown in FIG. 39 further performs the function of the ledger interworking information according to the present invention according to the intention of a person skilled in the art of practicing the present invention. , And / or ledger interworking information included in the electronic bank account storage information may further perform the function of the financial instrument identifier according to the present invention, whereby the present invention is not limited.

That is, in FIG. 39, at least one financial instrument information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) is included in the electronic bank account storage information. The means identifier (or ledger interworking information) is merely a means for efficiently explaining various implementation methods provided in the electronic bank account storage information, and thus the present invention is not limited thereto.

Ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400 shown in Figure 39, at least one or more financial means from the financial IC card 400 in a predetermined IC card terminal 300 After extracting the information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), the financial IC card 400 is associated with the electronic bank account storage information (or the electronic bank account storage). By checking the financial instrument identifier (or ledger interlocking information) included in the information, the financial instrument information (eg, financial account information included in the account ledger corresponding to the customer financial account) extracted from the financial IC card 400. And / or bank account information), at least one or more financial means information (e.g., financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) may be provided in a predetermined financial server. / Or comprising one to make sure that is provided in the financial system (3500).

If at least one financial instrument information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) is provided in a predetermined financial server and / or financial system 3500, the IC The card terminal 300 includes at least one or more financial means information (eg, a ledger corresponding to a customer financial account) corresponding to a financial instrument identifier (or ledger interworking information) from the financial server and / or the financial system 3500. After extracting and receiving financial account information and / or bank account information, the extracted and received one or more financial means information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account). It is preferable to include at least one financial transaction (or electronic payment) through the process.

According to the implementation method of the present invention, the ledger-based financial transaction (or electronic payment) procedure using the ledger-based financial IC card 400, the IC card terminal (at the institution that issued the financial IC card 400) By operating / supplying 300, when the IC card terminal 300 is provided with a function of checking and extracting information used as the financial instrument identifier (or ledger interworking information), the IC card terminal 300 performs the operation. At least one financial instrument information (eg, included in an account ledger corresponding to a customer financial account) stored in a match with the financial instrument identifier from the financial server and / or financial system 3500 through the financial instrument identifier (or ledger interworking information). It is preferable to process at least one financial transaction (or electronic payment) by extracting and receiving financial account information and / or bank account information).

If the IC card terminal 300 is a third IC card terminal 300 that is operated / supplied by a third institution other than the institution that issued the financial IC card 400, and / or the IC card terminal 300 In the case of the third institution IC card terminal 300 is not provided with a function for identifying and extracting the information used as the financial instrument identifier, the financial IC card 400 is the third institution IC card terminal 300 To extract and receive at least one or more financial means information (eg, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account) from a predetermined financial server and / or financial system 3500 At least one or more financial means information (eg, corresponding to the customer financial account) from the financial server and / or the financial system 3500 managing the ledger corresponding to the stored information for the ledger linked service (eg, the customer's financial account (or electronic bank account)). It is preferable that a financial IC card 400 application, application data, IC chip storage data, etc.) for extracting and receiving the financial account information and / or bank account information included in the account ledger are provided.

40A and 40B illustrate an IC card storage information structure for providing a ledger-based financial IC card 400 service in a third institution IC card terminal 300 according to another exemplary embodiment of the present invention.

In more detail, Figure 40a and Figure 40b is a financial IC card 400 that operates based on the ledger as shown in Figure 39, the ledger-based according to the present invention in a predetermined third institution IC card terminal 300 Financial IC card 400 service (e.g., at least one or more financial means information (e.g., an account corresponding to a customer financial account) from a predetermined financial server and / or financial system 3500 in the third institution IC card terminal 300 Stored information (e.g., customer financial account (or electronic bank account) for ledger linked service) for providing financial account (or electronic payment) service by extracting and receiving financial account information and / or bank account information included in the ledger At least one financial instrument information (for example, a financial account included in the account ledger corresponding to the customer financial account) from the financial server and / or the financial system 3500 that manages the ledger corresponding to Information and / or bankbook information) is shown in FIG. 39, specifically, FIG. The electronic bank account storage information included in the ledger-based financial IC card 400 is provided with the storage information for the ledger interworking service in the form of application data and / or IC chip storage data. The illustrated ledger-based financial IC card 400 is provided with an integrated ledger storage information in the form of an IC card application, which shows that the electronic ledger storage information is linked to the electronic ledger storage information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 40a and 40b to designate a third third party IC card terminal for the financial IC card 400 shown in FIG. In 300, it would be possible to infer the storage information configuration for various ledger interlocking services for providing the ledger-based financial IC card 400 service in accordance with the present invention, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIGS. 40A and 40B.

Referring to FIG. 40A, the electronic bank account storage information may include program files and / or information corresponding to at least one or more financial means information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). And a file, wherein the electronic bank account storage information includes a predetermined third institution IC card terminal (in addition to the financial instrument information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). In 300, the ledger interlocking information in the form of application data and / or IC chip stored data corresponding to the stored information for the ledger interlocking service is further provided to provide the ledger-based financial IC card 400 service according to the present invention. It is done.

Here, the basic function of the ledger interworking information is at least one corresponding to the electronic bank account storage information to a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information as shown in FIG. At least one IC card terminal 300 confirms that the financial instrument information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) is provided. When the IC card terminal 300 is a third institution IC card terminal 300, the third institution IC card terminal 300 has a function of checking and accessing the financial server and / or the financial system 3500. It is made to include.

According to an embodiment of the present invention, the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in the third institution IC card terminal 300 through at least one or more communication networks. And the address information for accessing the financial server and / or the financial system 3500 having the financial account information and / or the bank account information included in the account ledger corresponding to the account. The institution IC card terminal 300 accesses a financial server and / or financial system 3500 corresponding to the electronic bank account storage information based on the address information, and at least one or more financial services corresponding to the financial means identifier shown in FIG. After extracting and receiving the means information (e.g., financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), At least one financial transaction (or electronic payment) procedure is performed through financial instrument information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account).

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for identifying the financial server and / or the financial system 3500 with bankbook information), whereby the third institution IC card terminal 300 is included. At least one or more financial means information corresponding to the financial instrument identifier shown in FIG. 39 by accessing the financial server and / or financial system 3500 corresponding to the electronic bank account storage information based on the code information (or number). For example, after extracting and receiving the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial means information (for example, the customer At least one financial transaction (or electronic payment) procedure is performed through the financial account information and / or bank account information included in the account ledger corresponding to the financial account.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

Referring to FIG. 40B, the electronic bank account storage information may include program files and / or information corresponding to at least one or more financial means information (for example, financial account information and / or bank account information included in an account ledger corresponding to a customer financial account). Including the file, the financial IC card 400 is a ledger-based financial IC according to the present invention through the financial IC card 400 in a predetermined third institution IC card terminal 300 in addition to the electronic bank account storage information In order to provide a card 400 service, the ledger interlocking storage information of the IC card application type corresponding to the storage information for the ledger interlocking service is provided, wherein the ledger interlocking storage information is linked with the electronic bankbook storage information. The card is processed and provided in the financial IC card 400.

According to an embodiment of the present invention, the ledger interlocking stored information is provided by the third institution IC card terminal 300 to provide the ledger-based financial IC card 400 service according to the present invention. An IC card application to be used at 300, wherein the ledger linked storage information is at least one or more financial means information corresponding to the electronic bank account stored information (at least one communication network in the third institution IC card terminal 300); For example, the application server includes predetermined ledger interworking information for accessing the financial server and / or the financial system 3500 including the financial account information and / or bank account information included in the account ledger corresponding to the customer financial account. It is preferable to make it.

Here, the basic function of the ledger interworking information is at least one corresponding to the electronic bank account storage information to a predetermined financial server and / or financial system 3500 corresponding to the electronic bank account storage information as shown in FIG. At least one IC card terminal 300 confirms that the financial instrument information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) is provided. When the IC card terminal 300 is a third institution IC card terminal 300, the third institution IC card terminal 300 has a function of checking and accessing the financial server and / or the financial system 3500. It is made to include.

Those skilled in the art will be familiar with the various technical features of the card application provided in each IC card corresponding to each IC card platform, so the detailed description thereof is omitted for convenience. do.

According to an exemplary embodiment of the present invention, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial information corresponding to the electronic bankbook stored information through at least one or more communication networks in the third institution IC card terminal 300. It is preferred to include address information for accessing the financial server and / or financial system 3500 having means information (e.g., financial account information and / or bank account information included in the account ledger corresponding to the customer financial account). Accordingly, the third institution IC card terminal 300 and the financial server and / or corresponding to the electronic bank account storage information based on the address information corresponding to the ledger interlocking information using the ledger interlocking storage information By accessing the financial system 3500, at least one financial instrument information corresponding to the financial instrument identifier shown in FIG. For example, after extracting and receiving financial account information and / or bank account information included in the account ledger corresponding to the customer financial account, the financial means information (eg, financial account information included in the account ledger corresponding to the customer financial account). And / or passbook information) to perform at least one financial transaction (or electronic payment) procedure.

Here, the address system of the address information included in the ledger interworking information follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

In addition, the ledger interlocking information included in the ledger interlocked storage information may include at least one financial means information (eg, an account corresponding to a customer financial account) corresponding to the electronic bankbook stored information in the third institution IC card terminal 300. It is preferable to include predetermined code information (or number) for identifying the financial server and / or financial system 3500 having the financial account information and / or bank account information included in the ledger, thereby 3 The institution IC card terminal 300 is the financial server and / or financial system corresponding to the electronic bank account storage information based on the code information (or number) corresponding to the ledger interlocking information using the ledger interlocking storage information ( 3500) by accessing, at least one financial instrument information corresponding to the financial instrument identifier shown in FIG. 39 (e.g., corresponding to the customer financial account) After extracting and receiving the financial account information and / or bank account information contained in the account ledger, the financial instrument information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) Perform at least one financial transaction (or electronic payment) procedure.

For example, the code information (or number) included in the ledger interworking information is a bank code (for example, 01: Bank of Korea, 02: Korea Development Bank, 03: Small and Medium Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06 It is preferable to include Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Export-Import Bank of Korea, 09: Kookmin Bank (Long-Term Credit Bank), etc.).

According to another exemplary embodiment of the present invention, the code information (or number) included in the ledger interworking information may include at least one financial IC card 400 issuing authority and / or a third institution IC card terminal 300 operating institution. It may include separate code information (or number) that follows the code system defined for ledger-based financial IC card 400 service according to the present invention, thereby not limited to the present invention.

41A and 41B illustrate a process of converting / reissuing the ledger-based financial IC card 400 according to an embodiment of the present invention.

In more detail, FIGS. 41A and 41B illustrate the financial instrument identifier in the ledger information corresponding to the financial account opened to the client to convert / reissue the financial instrument previously issued to the customer to the ledger-based financial IC card 400. In the process of linking and storing, specifically, Figure 41a is a method for generating a predetermined financial means identifier in the information registration server 3400, Figure 41b is a predetermined method in the information registration server 3400 And a method of generating a financial instrument identifier of the financial instrument and recording the financial instrument identifier on the financial IC card 400.

Those skilled in the art to which the present invention pertains, various implementation methods for handling the conversion / reissuance of the ledger-based financial IC card 400 according to the present invention by referring to and / or modifying the drawings 41a and 41b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 41A and 41B.

In the following Figures 41A and 41B, the information registration server 3400 shown in Figure 34 is referred to as " server " for convenience.

Referring to FIG. 41A, the customer prepares a financial IC card 400 conversion application and provides it to the counter employee, thereby providing predetermined customer financial means information and financial IC card 400 switching request information to the counter terminal, and And / or inputs predetermined customer financial means information and financial IC card 400 switching request information through a predetermined information input device to provide the counter terminal 4100a.

The window terminal receiving the customer financial means information and the financial IC card 400 switching request information transmits the customer financial means information and the financial IC card 400 switching request information to a server through a predetermined financial network (4105a). ).

Thereafter, the server receives the customer financial means information and the financial IC card 400 switch request information (4110a) from the window terminal, and reads the received financial IC card 400 switch request information, thereby the customer. From the IC chip-based financial IC card 400 issued to the customer to check whether the switch to the ledger-based financial IC card 400 according to the present invention (4115a).

If the check result is not requested to convert the IC chip-based financial IC card 400 from the customer to the ledger-based financial IC card 400 according to the present invention (4120a), the server is switched to the financial IC card 400 An error message is generated and transmitted to the counter terminal (4125a), and the process of converting the IC chip-based financial IC card 400 to the ledger-based financial IC card 400 according to the present invention is terminated.

On the other hand, if the check result is requested to convert the IC chip-based financial IC card 400 from the customer to the ledger-based financial IC card 400 according to the present invention (4120a), the server is the customer financial means information and financial IC card In operation 4130a, a predetermined financial instrument identifier is generated based on the switch request information.

When the financial instrument identifier is extracted and / or generated as described above, the server stores and stores the financial instrument identifier in the ledger information as shown in FIGS. 4A and / or 4B and / or 4C (4135a). In step 4140a, the IC chip-based financial IC card 400 is converted to the ledger-based financial IC card 400 according to the present invention through the financial network.

According to an embodiment of the present invention, at least one or more financial means information (for example, a financial account included in an account ledger corresponding to a customer financial account) is provided on the financial IC card 400 as shown in FIGS. 17 and / or 18a to 18b. Information and / or bankbook information) is provided, the result of the conversion of the ledger-based financial IC card 400 provided to the teller terminal is at least one or more to be provided in the financial IC card 400 Financial means information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account) is preferably made to further include.

Thereafter, the teller terminal receiving the result of switching the ledger-based financial IC card 400 issues the ledger-based financial IC card 400 according to the present invention to the customer (4145).

According to an embodiment of the present invention, when the ledger-based financial IC card 400 includes a null value in the electronic bank account storage information as shown in FIGS. 13 and / or 14a to 14b, the teller terminal sets the null value. Issuing a ledger-based IC card to the customer, and the teller terminal for processing at least one or more financial transactions based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 It is preferable to further record predetermined host interworking information and / or host interlocking storage information as shown in Figs. 13 and / or 14a to 14b on the ledger-based financial IC card 400 through the IC card reader. desirable.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated in the server (or extracted from a predetermined database) and included in the ledger-based financial IC card 400 conversion result and provided to the counter terminal, and then recorded in the ledger-based financial IC card 400. It's okay.

According to another embodiment of the present invention, the ledger-based financial IC card 400 includes predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 15 and / or 16a to 16b. In this case, the teller terminal records and issues the financial instrument identifier to the financial IC card 400 through a predetermined IC card reader, and the ledger-based financial IC card in the predetermined third IC card terminal 300. In order to process at least one financial transaction based on 400, the teller terminal is connected to the ledger-based financial IC card 400 via the IC card reader as shown in FIGS. 15 and / or 16a to 16b. It is preferable to further record the predetermined host interworking information and / or the host interlocking storage information as described above.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated in the server (or extracted from a predetermined database) and included in the ledger-based financial IC card 400 conversion result and provided to the counter terminal, and then recorded in the ledger-based financial IC card 400. It's okay.

According to another embodiment of the present invention, the ledger-based financial IC card 400 may include at least one or more financial means information (eg, customer finance) in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b. When the financial account information and / or bank account information included in the account ledger corresponding to the account is included, the teller terminal transmits the financial instrument information (for example, the account ledger corresponding to the customer financial account) through a predetermined IC card reader. Financial account information and / or bank account information included) is recorded on the financial IC card 400 and issued.

In addition, when the ledger-based financial IC card 400 includes the predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b, The financial instrument identifier is recorded on the financial IC card 400 and issued through a predetermined IC card reader.

In addition, the teller terminal is configured to process at least one financial transaction based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 through the ledger-based financial IC through the IC card reader. The card 400 further records and issues predetermined host interworking information and / or host interlocking storage information as shown in Figs. 17 and / or 18a to 18b.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or may be generated in the server (or extracted from a predetermined database) and included in the ledger-based financial IC card 400 conversion result and provided to the counter terminal, and then recorded in the ledger-based financial IC card 400. It's okay.

Referring to FIG. 41B, the financial IC card 400 conversion application is prepared and provided to the clerk to provide predetermined customer financial means information and financial IC card 400 conversion request information to the counter terminal, and / or Through the predetermined information input device, predetermined customer financial means information and financial IC card 400 switching request information are input to the counter terminal (4100b).

The window terminal receiving the customer financial means information and the financial IC card 400 switching request information transmits the customer financial means information and the financial IC card 400 switching request information to a server through a predetermined financial network (4105b). ).

Thereafter, the server receives the customer financial means information and the financial IC card 400 switching request information (4110b) from the window terminal, and reads the received financial IC card 400 switching request information, thereby receiving the customer. From the IC chip-based financial IC card 400 issued to the customer to check whether the switch to the ledger-based financial IC card 400 according to the present invention (4115b).

If the check result is not requested to convert the IC chip-based financial IC card 400 from the customer to the ledger-based financial IC card 400 according to the present invention (4120b), the server is switched to the financial IC card 400 An error message is generated and transmitted to the counter terminal (4125a), and the process of converting the IC chip-based financial IC card 400 to the ledger-based financial IC card 400 according to the present invention is terminated.

On the other hand, if the check result is requested to switch the IC chip-based financial IC card 400 from the customer to the ledger-based financial IC card 400 according to the present invention (4120b), the server is stored in the financial IC card 400 A predetermined financial instrument identifier to be generated is generated (4150b).

Thereafter, the server stores the generated financial means identifier in the ledger information as shown in FIGS. 4A and / or 4B and / or 4C (4155b), and then stores the generated financial instrument identifier in the ledger information through the financial network. The IC chip-based financial IC card 400 is transferred to the ledger-based financial IC card 400 according to the present invention (4160b).

According to an embodiment of the present invention, at least one or more financial means information (for example, a financial account included in an account ledger corresponding to a customer financial account) is provided on the financial IC card 400 as shown in FIGS. 17 and / or 18a to 18b. Information and / or bankbook information) is provided, the conversion result to the ledger-based financial IC card 400 provided to the teller terminal at least one to be provided in the financial IC card 400 It is preferable to further include the above financial means information (for example, financial account information and / or bank account information contained in the account ledger corresponding to the customer financial account).

In addition, the IC card terminal 300 issuing the financial IC card 400 to the customer by recording the financial means identifier received through the financial network as the IC card storage information of the financial IC card 400. (4165b).

According to an embodiment of the present invention, the ledger-based financial IC card 400 includes predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 15 and / or 16a to 16b. In this case, the teller terminal records and issues the financial instrument identifier to the financial IC card 400 through a predetermined IC card reader, and at the predetermined third IC card terminal 300, the ledger-based financial IC card ( In order to process at least one financial transaction on the basis of the reference numeral 400, the teller terminal is connected to the ledger-based financial IC card 400 through the IC card reader as shown in FIGS. 15 and / or 16A to 16B. It is preferable to further record the same predetermined host interworking information and / or host interlocking storage information.

Here, the host interworking information and / or the host interlocking storage information are generated in the server (or extracted from a predetermined database), included in the result of the conversion to the ledger-based financial IC card 400, and provided to the counter terminal. It is preferable to be recorded in the ledger-based financial IC card 400, or generated in the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded in the ledger-based financial IC card 400. It may be.

According to another embodiment of the present invention, the ledger-based financial IC card 400 may include at least one or more financial means information (eg, customer finance) in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b. When the financial account information and / or bank account information included in the account ledger corresponding to the account is included, the teller terminal transmits the financial instrument information (for example, the account ledger corresponding to the customer financial account) through a predetermined IC card reader. Financial account information and / or bank account information included) is recorded on the financial IC card 400 and issued.

In addition, when the ledger-based financial IC card 400 includes the predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b, The financial instrument identifier is recorded on the financial IC card 400 and issued through a predetermined IC card reader.

In addition, the teller terminal is configured to process at least one financial transaction based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 through the ledger-based financial IC through the IC card reader. The card 400 further records and issues predetermined host interworking information and / or host interlocking storage information as shown in Figs. 17 and / or 18a to 18b.

Here, the host interlocking information and / or the host interlocking storage information are generated in the server (or extracted from a predetermined database) and included in the result of the conversion to the ledger-based financial IC card 400 and provided to the counter terminal. It is preferable to be recorded on the ledger-based financial IC card 400, or generated at the teller terminal (or extracted from a predetermined storage device or input from a predetermined input device) to the ledger-based financial IC card 400. It may be recorded.

42 is a view showing a ledger-based financial IC card 400 conversion / reissue process according to another embodiment of the present invention.

More specifically, FIG. 42 is opened to the customer using the financial IC card 400 unique information as a financial means identifier to convert / reissue the financial means previously issued to the customer to the ledger-based financial IC card 400. This is a process of linking and storing the ledger information corresponding to the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, will be previously issued to the customer by referring to and / or modifying this drawing. In order to convert / reissue a financial instrument into a ledger-based financial IC card 400, the financial IC card 400 unique information is used as a financial instrument identifier to be linked and stored with the ledger information corresponding to the financial account opened to the customer. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. Not.

In the drawing 42, the information registration server 3400 shown in the drawing 34 is referred to as " server " for convenience.

Referring to FIG. 42, the customer prepares a financial IC card 400 conversion application and provides it to the counter employee, thereby providing predetermined customer financial means information and financial IC card 400 switching request information to the counter terminal, and / Alternatively, predetermined customer financial means information and financial IC card 400 switching request information are inputted through a predetermined information input device, and then provided to the counter terminal 4200.

The teller terminal receiving the customer financial means information and the financial IC card 400 conversion request information issues a ledger-based financial IC card 400 from the financial IC card 400 issued to the customer through a predetermined IC card reader. Reads predetermined IC card unique information for the client (4205), and transmits the customer financial means information, the financial IC card 400 switching request information, and the read IC card unique information to a server through a predetermined financial network; (4210).

Thereafter, the server receives (4215) the customer financial means information and the financial IC card 400 switching request information from the window terminal, and reads the received financial IC card 400 switching request information, thereby receiving the customer. The IC chip-based financial IC card 400 issued to the customer from the check is determined whether the switch to the ledger-based financial IC card 400 according to the present invention (4220).

If the check result is not requested to convert the IC chip-based financial IC card 400 from the customer to the ledger-based financial IC card 400 according to the present invention (4225), the server is switched to the financial IC card 400 An error message is generated and transmitted to the counter terminal (4230), and the process of converting the IC chip-based financial IC card 400 to the ledger-based financial IC card 400 according to the present invention is terminated.

On the other hand, if the check result is requested to issue the ledger-based financial IC card 400 according to the present invention (4225), the server using the received IC card unique information as the financial means identifier according to the present invention 4a and / or 4b and / or 4c, which are included in the ledger information and stored in the ledger D / B 3430 (4235), and then the IC chip-based financial IC through the financial network to the counter terminal. The card 400 transmits the conversion result to the ledger-based financial IC card 400 according to the present invention (4240).

According to an embodiment of the present invention, at least one or more financial means information (for example, a financial account included in an account ledger corresponding to a customer financial account) is provided on the financial IC card 400 as shown in FIGS. 17 and / or 18a to 18b. Information and / or bankbook information) is provided, the conversion result to the ledger-based financial IC card 400 provided to the teller terminal at least one to be provided in the financial IC card 400 It is preferable to further include the above financial means information (for example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account).

Thereafter, the counter terminal receiving the result of the conversion to the ledger-based financial IC card 400 issues the ledger-based financial IC card 400 according to the present invention (4245).

According to an embodiment of the present invention, when the ledger-based financial IC card 400 includes a null value in the electronic bank account storage information as shown in FIGS. 13 and / or 14a to 14b, a predetermined third IC card terminal In order to process at least one or more financial transactions based on the ledger-based financial IC card 400 at 300, the teller terminal transmits to the ledger-based financial IC card 400 through the IC card reader. It is preferable to further record predetermined host interworking information and / or host interlocking storage information as shown in Figs. 14A to 14B.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or generated by the server (or extracted from a predetermined database) included in the result of the conversion to the ledger-based financial IC card 400, provided to the teller terminal, and then recorded in the ledger-based financial IC card 400 It may be.

According to another embodiment of the present invention, the ledger-based financial IC card 400 includes predetermined information corresponding to the financial instrument identifier in the electronic bank account storage information as shown in FIGS. 15 and / or 16a to 16b. In the case where the predetermined third IC card terminal 300 to handle at least one or more financial transactions based on the ledger-based financial IC card 400, the teller terminal is the ledger-based finance through the IC card reader Preferably, the IC card 400 further records predetermined host interlocking information and / or host interlocking storage information as shown in Figs. 15 and / or Figs. 16A to 16B.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or generated by the server (or extracted from a predetermined database) included in the result of the conversion to the ledger-based financial IC card 400, provided to the teller terminal, and then recorded in the ledger-based financial IC card 400 It may be.

According to another embodiment of the present invention, the ledger-based financial IC card 400 may include at least one or more financial means information (eg, customer finance) in the electronic bank account storage information as shown in FIGS. 17 and / or 18a to 18b. When the financial account information and / or bank account information included in the account ledger corresponding to the account is included, the teller terminal transmits the financial instrument information (for example, the account ledger corresponding to the customer financial account) through a predetermined IC card reader. Financial account information and / or bank account information included) is recorded on the financial IC card 400 and issued.

In addition, the teller terminal is configured to process at least one financial transaction based on the ledger-based financial IC card 400 in a predetermined third IC card terminal 300 through the ledger-based financial IC through the IC card reader. The card 400 further records and issues predetermined host interworking information and / or host interlocking storage information as shown in Figs. 17 and / or 18a to 18b.

Here, the host interlocking information and / or the host interlocking storage information are generated by the window terminal (or extracted from a predetermined storage device or input from a predetermined input device) and recorded on the ledger-based financial IC card 400. Preferably, or generated by the server (or extracted from a predetermined database) included in the result of the conversion to the ledger-based financial IC card 400, provided to the teller terminal, and then recorded in the ledger-based financial IC card 400 It may be.

43 is a diagram illustrating a ledger-based financial IC card 400 operating system according to an embodiment of the present invention.

In more detail, FIG. 43 shows a predetermined IC card terminal for a customer who has issued a ledger-based financial IC card 400 according to the present invention through the system for issuing and registering the ledger-based financial IC card 400 shown in FIG. 34. In the financial transaction based on the ledger-based financial IC card 400 using 300, the financial transaction based on the ledger-based financial IC card 400 is processed, and the present invention is applied to the financial transaction process. Ledger-based financial IC card for storing at least one financial instrument-related transaction history information corresponding to the financial IC card 400 in a predetermined storage medium 4345 for transferring the financial means between the financial IC card 400 and the ledger (400) As to the operating system, those skilled in the art to which the present invention belongs, when operating the ledger-based financial IC card 400 according to the present invention with reference to and / or this drawing 43 Would be able to infer the system configuration of the system, the present invention includes both all exemplary way in which the inference, not limited by the exemplary method shown in the figure 43.

Hereinafter, a server (or device) for processing a financial transaction based on the ledger-based financial IC card 400 according to the present invention in connection with the IC card terminal 300 on the financial system for convenience " ledger server 4300. "

The ledger-based financial IC card 400 operating system may be a terminal used by a teller at each branch of the financial institution, and / or a CD / ATM managed by the financial institution, and / or a payment terminal provided at a predetermined affiliated store. And / or the IC card terminal 300 including at least one of a wired terminal (not shown) and / or a wireless terminal (not shown) and / or a home appliance terminal equipped with a predetermined IC card reader used by a customer. And a ledger server 4300 connected to the IC card terminal 300 through a predetermined communication network and provided on the financial system of the financial institution, and at least one financial means associated with the financial account opened to the customer. Ledger D / B (3430) is stored, which stores the ledger information, and stores the transaction history information corresponding to the financial means for transferring the financial means between the financial IC card 400 and the ledger according to the present invention And further comprising: a body (4345) is characterized in that formed.

In addition, the ledger-based financial IC card 400 operating system in connection with the storage medium 4345, the financial means transfer server 4355 to process the financial means transfer function between the financial IC card 400 and the ledger according to the present invention. Characterized in that further comprises.

According to another exemplary embodiment of the present invention, the ledger server 4300 and the financial instrument transfer server 4355 are composed of one server or the components constituting the ledger server 4300 and the financial instrument transfer server 4355. At least two or more servers may be all possible, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, the ledger server 4300 and the ledger D / B shown in Figure 43 is outside the financial system provided to the financial institution in accordance with the intention of those skilled in the art It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system, and the ledger server shown in FIG. 4300 and / or ledger D / B 3430 are merely one means for easily describing the technical features of the present invention.

In addition, if one of ordinary skill in the art to which the present invention pertains, the ledger server 4300 and ledger D / B shown in FIG. 43 are provided in the financial institution according to the intention of those skilled in the art. It will be apparent that a predetermined online payment server (e.g., an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment may be externally connected with the financial system. The ledger server 4300 and / or ledger D / B 3430 are merely one means for easily describing the technical features of the present invention.

The IC card terminal 300 is characterized in that it comprises a predetermined IC card reader for financial transactions based on the ledger-based financial IC card 400 according to the present invention, and also through the IC card reader Reads a predetermined financial instrument identifier (or IC card unique information) from the IC card associated with the ledger-based financial IC card 400, and reads the read financial instrument identifier (or IC card unique information) from the ledger server ( 4300, and receives at least one financial means information corresponding to the ledger-based financial IC card 400 among the ledger information stored in the ledger D / B from the ledger server 4300, In addition, a predetermined financial transaction is processed through any one of the received at least one financial means information, the preferred embodiment thereof 45 It will be described in detail through.

According to the exemplary embodiment of the present invention, when the IC card terminal 300 is inserted into the IC card reader and the IC card linked with the ledger-based financial IC card 400 according to the present invention, the IC card terminal 300 Check whether the operation mode is switched to the financial transaction mode for processing financial transactions based on the ledger-based financial IC card 400, and when the operation mode of the IC card terminal 300 is switched to the financial transaction mode, Confidentiality, Authentication, Integrity and Non-repudiation of the financial IC card 400 (and / or at least one financial instrument associated with the financial IC card 400 via a PIN) Nonrepudiation), and when the validity is authenticated, a predetermined financial instrument identifier (or IC card unique information) is read from the IC card, and the read financial instrument identifier (or IC card unique information) is read. remind By transmitting to the ledger server 4300, it is preferable to receive at least one financial means information corresponding to the ledger-based financial IC card 400 among the ledger information stored in the ledger D / B from the ledger server 4300 .

According to another exemplary embodiment of the present invention, when the IC card terminal 300 is inserted into the IC card reader and the IC card linked to the ledger-based financial IC card 400 according to the present invention, a predetermined PIN Authenticating the confidentiality, including confidentiality, authentication, integrity, and non-repudiation of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400; Check whether the operation mode of the IC card terminal 300 is switched to the financial transaction mode for processing financial transactions based on the ledger-based financial IC card 400, and the operation mode of the IC card terminal 300 is the financial When switching to the transaction mode, by reading a predetermined financial instrument identifier (or IC card unique information) from the IC card, and transmits the read financial instrument identifier (or IC card unique information) to the ledger server 4300, remind Section to receive at least one or more financial instrument information is preferred corresponding to the server 4300 wherein the ledger based financial IC card 400 of the ledger information stored in the ledger D / B from.

The ledger D / B 3430 may include the financial instrument identifier in the ledger information corresponding to at least one financial instrument associated with the financial account opened to the customer as shown in FIGS. 4A and / or 4B and / or 4C. Or IC card 400 identifier including at least one IC card unique information).

Referring to FIG. 43, the ledger server 4300 is for processing a financial transaction based on at least one IC card terminal 300 and the ledger-based financial IC card 400 according to the present invention through a predetermined communication network. An interface unit for connecting and managing a communication channel, and an information receiver for receiving the full financial instrument information request message including at least one financial instrument identifier (or IC card unique information) from the IC card terminal 300 through the interface unit. 4310 and the ledger-based finance in connection with the ledger D / B 3430 based on the financial instrument identifier (or IC card unique information) included in the full financial instrument information request received through the information receiver 4310. An information confirming unit 4375 for identifying at least one financial means corresponding to the IC card 400, and a result of confirming the information checking unit 4320 for the ledger-based financial IC card 400; Information extracting unit 4325 to extract at least one financial means information corresponding to the ledger-based financial IC card 400 when the at least one financial means is identified, And an information transmitter 4315 for generating the financial instrument information telegram including the extracted at least one financial instrument information and transmitting the financial instrument information telegram to the IC card terminal 300 through the interface unit. Characterized in that made.

According to the present invention, the information receiving unit 4310 further receives a financial transaction request message including financial means financial means information and predetermined financial transaction information from the IC card terminal 300 through the interface unit. Preferably, when the financial transaction request message is received through the information receiving unit 4310, the ledger D based on the financial means financial means information and predetermined financial transaction information included in the financial transaction request message; The financial transaction unit 4330 is further configured to process a financial transaction corresponding to the financial transaction information through the financial means financial means information in connection with / B (3430).

According to the present invention, at least one or more financial transactions through the financial transaction unit 4330, at least one or more financial transactions processed by the financial transaction unit 4330 (or corresponding to the financial IC card 400). It further comprises an information storage unit 4340 for storing the transaction history information corresponding to the predetermined storage medium (4345).

The interface unit connects a predetermined communication channel for processing a financial transaction based on at least one IC card terminal 300 and the ledger-based financial IC card 400 according to the present invention through a predetermined communication network, and the communication channel. It is characterized by maintaining and managing.

The communication channel connected and managed with the at least one IC card terminal 300 by the interface unit is a communication channel connected between a financial system provided at the financial institution and at least one IC card terminal 300 through a dedicated communication network. According to one embodiment of the present invention, a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial transaction tasks defined between the IC card terminal 300 and the ledger server 4300 Preferably, the transaction protocol (and / or specialized structure corresponding to the transaction protocol) may be defined and used in various ways according to the financial transaction work type of each financial institution and the platform characteristics constituting the financial system. The transaction protocol (and / or transaction protocol) adopted by the financial system. Corresponding specialized structure) does not limit the invention.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 4310 may receive a full message including at least one information corresponding to a predetermined financial transaction from the IC card terminal 300 through the interface unit. And reading at least one director's information corresponding to each financial transaction business from the read message.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction service, the IC card terminal 300 address information corresponding to the IC card terminal 300 and / or the IC card. Preferably, the terminal 300 includes at least one terminal ID information and / or the IC card terminal 300 manager (or operator) information.

According to another exemplary embodiment of the present invention, the information receiver 4310 receives traffic data including at least one or more information corresponding to a predetermined financial transaction from the IC card terminal 300 through the interface unit. It is possible to extract the information of at least one director corresponding to each financial transaction task by reading the header of the traffic data, whereby the present invention is not limited.

When the information receiving unit 4310 receives a full financial instrument information request message including at least one predetermined financial instrument identifier (or IC card unique information) from the predetermined IC card terminal 300 through the interface unit, the information is received. The receiver 4310 extracts the financial instrument identifier (or IC card unique information) from the full financial instrument information request message and provides the extracted financial instrument identifier to the information verification unit 4320 and / or the information extraction unit 4325. The information checking unit 4320 is configured to connect at least one financial means corresponding to the ledger-based financial IC card 400 in association with the ledger D / B 3430 based on the financial instrument identifier (or IC card unique information). The information extracting unit 4325 corresponds to the ledger-based financial IC card 400 in association with the ledger D / B 3430 based on the financial instrument identifier (or IC card unique information). Also extract one or more financial instrument information.

The information checking unit 4320 may store the ledger information stored in the ledger D / B 3430 based on the financial instrument identifier (or IC card unique information) included in the full financial instrument information request received through the information receiver 4310. By reading the, it is characterized in that at least one financial means corresponding to the ledger-based financial IC card 400 of the at least one financial means opened to the customer.

According to an embodiment of the present invention, at least one financial means corresponding to the ledger-based financial IC card 400 of the at least one financial means opened to the customer, the customer ledger and / or account included in the ledger information It is preferable to include a predetermined financial IC card 400 identifier including the financial instrument identifier (or IC card unique information) in the ledger, and / or are stored in association with each other. By checking the financial IC card 400 identifier provided in the ledger D / B (3430) based on the financial instrument identifier (or IC card unique information), the ledger base of the at least one financial instrument opened to the customer At least one financial means corresponding to the financial IC card 400 may be identified.

When at least one financial means corresponding to the ledger-based financial IC card 400 is confirmed as the result of the checking of the information checking unit, the information extracting unit 4325 is at least opened to the customer from the ledger D / B 3430. A predetermined bank account including, for example, the financial instrument identifier (or the IC card unique information), which is identified by the information verification unit 4320 among the one or more financial means as including a predetermined financial IC card 400 identifier. And at least one financial instrument information corresponding to the ledger-based financial IC card 400, from the account ledger including the IC card 400 identifier.

The information transmission unit 4315 generates a predetermined financial means information telegram including at least one financial means information extracted from the ledger D / B 3430 through the information extraction unit 4325, and generates Characterized in that the financial instrument information is transmitted to the IC card terminal 300 through the interface unit.

The IC card terminal 300 having received the financial instrument information text extracts at least one financial instrument information from the financial instrument information teletext, and selects at least one financial instrument corresponding to the extracted at least one financial instrument information. Outputs an interface screen for selecting a financial means for financial transactions, and checks whether a predetermined financial transaction financial means is selected through the interface screen.

If a predetermined financial transaction financial means is selected through the interface screen, the IC card terminal 300 receives at least one financial transaction information corresponding to a predetermined financial transaction through the financial transaction financial means. A predetermined financial transaction request message including the financial means financial means information and the financial transaction information is generated and transmitted to the ledger server 4300 through the financial network.

The financial receiver request including the at least one financial means information for financial transactions and financial transaction information from the predetermined IC card terminal 300 by the information receiver 4310 provided in the ledger server 4300. In the case of receiving a full text, the information receiving unit 4310 extracts the financial means financial means information and financial transaction information from the full financial transaction request message and provides the financial transaction information to the financial transaction unit 4330. The trading unit 4330 may perform a financial transaction corresponding to the financial transaction information through the financial means information for financial transactions in connection with the ledger D / B 3430 based on the financial means information for financial transactions and financial transaction information. Process.

The financial transaction unit 4330 is based on the financial transaction information and financial transaction information contained in the financial transaction request received through the information receiving unit 4310 ledger information stored in the ledger D / B (3430) Corresponding to the financial transaction information through the financial means for financial transactions using (for example, an account ledger corresponding to financial means for financial transactions and at least one ledger and / or ledger related information associated with the account ledger). Characterized in processing financial transactions.

According to an embodiment of the present invention, the financial transaction information includes at least financial transaction information corresponding to a receiving service, financial transaction information corresponding to a credit service, financial transaction information corresponding to a foreign exchange service, and financial transaction information corresponding to an investment business. It is preferable to include one or more, and those skilled in the art will clearly understand the financial transaction information corresponding to each financial business, so a detailed description thereof will be omitted for convenience.

The information storage unit 4340 may process at least one or more financial transactions processed by the financial transaction unit 4330, and / or the financial IC card 400 when at least one financial transaction is performed through the financial transaction unit 4330. Generating transaction history information corresponding to at least one financial transaction associated with the at least one financial transaction; and storing the generated transaction history information in a predetermined storage medium 4345.

The transaction history information may include financial means information provided in the financial IC card 400 (and / or ledger) for processing the financial transaction, and financial transaction information (eg, financial transaction date / time information, financial) corresponding to the financial means. Transaction amount information, deposit account information, withdrawal account information, etc.).

According to the method of the present invention, by reading the transaction history information stored in the storage medium 4345, it is possible to check the financial means frequently used monthly / quarterly by the customer who has issued the financial IC card 400. Transfer the at least one financial instrument information included in the financial IC card 400 to the ledger based on the information reading result, and / or the at least one financial instrument information provided on the ledger. It is possible to transfer to the financial IC card 400.

The financial instrument information provided on the ledger is financial instrument information linked to the financial instrument identifier, and the financial instrument information stored on the ledger is provided to the IC card terminal 300 during at least one financial transaction. After that, the financial means including at least one financial transaction occurs based on the information.

In addition, the financial means information on the financial IC card 400 is a financial means provided in the form of financial-related IC card storage information in the financial IC card 400, the financial shown in Figure 2 during the at least one financial transaction In accordance with the transaction process, the financial means that the financial transactions are carried out in a synchronized manner after the first transaction.

Referring to FIG. 43 according to an embodiment of the present invention, on the ledger-based financial IC card 400 operating system, monthly / quarterly transaction history information may correspond to at least one transaction history information stored in the storage medium 4435. Store the financial instrument transfer policy (or condition) information to transfer the financial instrument on the ledger to the financial IC card 400 and / or transfer the financial instrument on the ledger IC card 400 to the ledger. It characterized in that it comprises a policy D / B (4350).

According to an exemplary embodiment of the present invention, the financial instrument transfer policy (or condition) information is provided when the financial instrument for which the monthly / quarterly utilization rate is determined to be below a specific reference value is provided on the financial IC card 400. It is preferable to include a policy (or condition) for transferring the financial instrument information provided on the IC card 400 to the financial instrument on the ledger.

The financial instrument transfer policy (or condition) information may include information on financial instrument information provided on the ledger when the financial instrument whose monthly / quarterly utilization rate is determined to be equal to or greater than a specific reference value is provided on the ledger. It is desirable to include a policy (or condition) for transferring to financial means on 400.

Referring to FIG. 43, the financial instrument transfer server 4355 stores transaction history information stored in the storage medium 4345 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 4350. An information checking unit 4375 that periodically reads and confirms whether to transfer the financial means on the financial IC card 400 to the ledger and / or transfer the financial means on the ledger to the financial IC card 400; When the at least one financial instrument transfer is confirmed as a result of the verification, a customer approval unit 4370 for processing a client approval for the financial instrument transfer, and when the customer approval for the financial instrument transfer is confirmed, A ledger processing unit 4355 for changing the ledger information, and generating (or extracting) financial instrument transfer processing information for transferring the financial instrument, and receiving the generated (or extracted) financial instrument transfer processing information. And an information providing unit (4360) to provide to the IC card terminal 300 is characterized in that formed.

The information checking unit 4375 reads transaction history information stored in the storage medium 4345 based on financial instrument transfer policy (or condition) information stored in the policy D / B 4350 for a predetermined period or monthly / quarterly. And transfer the financial means on the financial IC card 400 to the ledger, and / or transfer the financial means on the ledger to the financial IC card 400.

Alternatively, the information verification unit 4375 may perform at least one financial transaction (eg, financial IC chip-based financial transaction, and / or ledger-based financial transaction) corresponding to the financial IC card 400 in the ledger server 4300. ) Occurs, the transaction IC card 400 is read by reading transaction history information stored in the storage medium 4345 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 4350. It is characterized in that whether to transfer the financial means of the award to the ledger, and / or transfer the financial means of the ledger to the financial IC card 400.

According to an exemplary embodiment of the present invention, the information checking unit 4375 may use the financial IC card 400 to determine whether the monthly / quarterly utilization rate is less than or equal to a specific reference value through the financial instrument transfer policy (or condition) information. When provided on the, it is preferable to check to transfer the financial means information provided on the financial IC card 400 to the financial means on the ledger.

In addition, the information checking unit 4375 is provided on the ledger when the financial means for verifying the monthly / quarterly utilization rate is higher than a certain reference value through the financial instrument transfer policy (or condition) information is provided on the ledger. It is preferable to confirm that the financial instrument information is transferred to the financial instrument on the financial IC card 400.

The customer approval unit 4370 confirms that the transfer of at least one financial means is confirmed by the information confirming unit 4375 (eg, transfers the financial means on the financial IC card 400 to the ledger, and / or When the financial instrument on the ledger is confirmed to be transferred to the financial IC card 400, a customer approval procedure for processing the financial instrument transfer is performed.

According to an exemplary embodiment of the present invention, transaction history information stored in the storage medium 4345 is read based on financial instrument transfer policy (or condition) information stored in the policy D / B 4350 for a predetermined period or monthly / quarterly. When it is confirmed that the financial means on the financial IC card 400 is transferred to the ledger, and / or the financial means on the ledger are transferred to the financial IC card 400, the customer approval unit 4370 may be configured to transfer the financial means on the financial IC card 400 to the ledger. Transmit customer approval request information to the customer IC communication means (for example, customer owned mobile phone, customer e-mail address, or instant messenger, etc.) of the financial IC card 400, and in response, approve the transfer of predetermined financial means from the customer communication means. By receiving and authenticating information, a customer approval procedure is performed to handle the transfer of financial instruments.

Here, the customer communication means includes all types of terminals and / or addresses capable of receiving the customer approval request information through at least one or more networks and / or communication networks, such as a customer owned mobile phone, a customer mail address, or an instant messenger. And / or accounts.

For example, if the customer communication means is a mobile phone owned by the financial IC card 400, the customer approval unit 4370 includes a predetermined wireless message including a callback URL capable of receiving the financial instrument transfer approval information. (E.g., short message (SMS), multimedia message (MMS), etc.) and by sending the generated wireless message to the customer-owned mobile phone, the customer approval request information to the financial IC card 400 customer In response thereto, the financial IC card 400 customer accesses the financial means transfer server 4355 (for example, the customer approval unit 4370) through the callback UEL to correspond to the customer approval request information. The financial instrument transfer approval information is transmitted.

In addition, if the customer communication means is an e-mail address owned by the financial IC card 400, the customer approval unit 4370 generates a predetermined mail including a link address for receiving the financial instrument transfer approval information. By transmitting the generated mail to the customer e-mail address, the customer approval request information is provided to the customer of the financial IC card 400, and correspondingly, the customer of the financial IC card 400 uses the link address. The financial instrument transfer server 4355 (for example, the customer approval unit 4370) is connected to the financial instrument transfer approval information corresponding to the customer approval request information.

In the technical field to which the present invention pertains, the customer approval unit 4370 provides the customer approval request information to the customer corresponding to each customer communication means, and correspondingly, the customer communication means. Various implementation methods for receiving predetermined financial instrument transfer approval information may be inferred, and the present invention includes all the implementation methods inferred.

According to another embodiment of the present invention, at least one financial transaction (eg, financial IC chip-based financial transaction, and / or ledger-based financial transaction, etc.) corresponding to the financial IC card 400 in the ledger server 4300. Is generated, the financial means on the financial IC card 400 by reading transaction history information stored in the storage medium 4345 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 4350. Is transferred to the ledger, and / or transfer of the financial means on the ledger to the financial IC card 400, the customer approval unit 4370, the customer approval unit 4370 is to transfer the financial transaction By transmitting predetermined customer approval request information for the transfer of the financial means to the IC card terminal 300 for receiving, and corresponding to the predetermined financial means transfer approval information from the IC card terminal 300 in response thereto And performs a customer approval process for processing said financial instruments previously.

Here, the customer approval request information is included in the preamble transmitted from the ledger server 4300 to the IC card terminal 300 and transmitted to the IC card terminal 300, and / or the financial means transfer server 4355. (Or the ledger server 4300) may be transmitted to the IC card terminal 300 through a separate customer approval request full text, by which the present invention is not limited.

In addition, the customer approval request information is traffic corresponding to a communication protocol standard defined by the institution managing the IC card terminal 300 in addition to the full text and / or the organization managing the ledger corresponding to the financial IC card 400. It can be transmitted to the IC card terminal 300 in the form of data, whereby the present invention is not limited.

Upon receiving the customer approval request information, the IC card terminal 300 inputs predetermined financial means transfer approval information corresponding to the customer approval request information to the financial means transfer server 4355 (for example, the customer approval unit 4370). To send).

Here, the financial instrument transfer approval information may be included in a predetermined text in the IC card terminal 300 and transmitted to the financial instrument transfer server 4355 (for example, the customer approval unit 4370). The invention is not limited.

In addition, the financial means transfer approval information is traffic corresponding to the communication protocol standard defined by the institution that operates the IC card terminal 300 in addition to the full text and / or the institution managing the ledger corresponding to the financial IC card 400. Data may be transmitted to the financial instrument transfer server 4355 (for example, the customer approval unit 4370), and the present invention is not limited thereto.

According to the implementation method of the present invention, the financial instrument transfer approval information is confidentiality that the customer who issued the financial IC card 400 approved the financial instrument transfer between the financial IC card 400 and the ledger according to the present invention, It is desirable to include information to ensure authentication, integrity and nonrepudiation.

For example, the financial instrument transfer approval information may include a validity verification result confirmed through a PIN corresponding to the financial IC card 400, and / or a predetermined password (eg, provided on the ledger). Account password, or a financial instrument transfer approval password).

The customer approval unit 4370, which has received the financial instrument transfer approval information, verifies whether the financial IC card 400 customer has approved the financial instrument transfer by authenticating the validity of the financial instrument transfer approval information. do.

When it is confirmed through the customer approval unit 4370 that the customer of the financial IC card 400 approves the transfer of the financial means, the ledger processor 4365 may select from among the financial means information provided in the financial IC card 400. Characterized in that the financial instrument identifier is stored in the ledger corresponding to the financial instrument information to be transferred to the ledger (for example, the account ledger, the reception ledger, etc.), or activated.

In addition, the ledger processor 4365 may include a ledger corresponding to the financial instrument information to be transferred to the financial IC card 400 among the financial instrument information (for example, the ledger to which the financial instrument identifier is linked). For example, the financial instrument identifier associated with the account ledger, the reception ledger, etc.) may be deleted / deleted or deactivated.

When it is confirmed through the customer approval unit 4370 that the financial IC card 400 customer has approved the transfer of the financial means, the information providing unit 4360 generates the financial means transfer processing information for transferring the financial means. (Or extracted from a predetermined database (not shown) for storing the financial instrument transfer processing information).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial instrument information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

Thereafter, the information providing unit 4360 may provide the IC card terminal 300 with the generated financial means transfer processing information.

Here, the financial instrument transfer processing information may be included in a predetermined text in the financial instrument transfer server 4355 and transmitted to the IC card terminal 300, whereby the present invention is not limited thereto.

In addition, the financial means transfer processing information is traffic corresponding to the communication protocol standard defined by the institution managing the IC card terminal 300 in addition to the full text and / or the institution managing the ledger corresponding to the financial IC card 400. In the form of data can be transmitted from the transfer means server 4355 to the IC card terminal 300, whereby the present invention is not limited.

The IC card terminal 300 that has received the financial instrument transfer processing information is the financial IC card 400 side transfer target financial instrument information included in the financial instrument transfer processing information (from the financial IC card 400). At least one financial instrument information to be transferred), and deletes the financial instrument information corresponding to the identified financial instrument information on the financial IC card 400 side to be transferred from the financial IC card 400.

If there is no financial instrument information to transfer from the financial IC card 400 to the ledger, and / or financial instrument information to transfer from the financial IC card 400 to the ledger is transferred from the financial IC card 400. When deleted, the IC card terminal 300 checks the ledger-side transfer target financial means information (at least one or more financial means information to be transferred to the financial IC card 400 on the ledger) included in the financial instrument transfer processing information. And, it is preferable to record the identified ledger-side transfer target financial means information on the financial IC card (400).

44 is a diagram illustrating a functional configuration of an IC card terminal 300 for processing a financial transaction using the ledger-based financial IC card 400 according to an embodiment of the present invention.

More specifically, FIG. 44 illustrates that an IC card terminal 300 including a CD / ATM provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place is led to a ledger-based financial IC card 400 according to the present invention. Figure 3 shows a preferred functional configuration for processing a financial transaction using the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 44 so that each IC card terminal 300 may be Various implementation methods can be inferred for the case of a counter terminal and / or a wired terminal and / or a wireless terminal and / or a home appliance terminal having a predetermined IC card reader, and / or a payment terminal provided in a predetermined merchant. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method illustrated in FIG.

Referring to FIG. 44, the IC card terminal 300 recognizes an MS card and / or an IC card to obtain a predetermined information, and a card reader unit 4405 and each provided through the IC card terminal 300. A screen output unit 4410 for outputting a processing screen to the financial transaction stage, a key input unit 4415 for receiving predetermined information according to each financial transaction stage, and communication with the ledger server 4300 through a predetermined financial network A communication unit 4455, a memory unit 4470 for storing the at least one financial transaction processing information for the financial transaction processing, and predetermined financial transaction details information after the financial transaction by the IC card terminal 300; A cash payment unit 4465 for paying cash for each financial transaction to the customer, a power supply unit 4475 for supplying power to the IC card terminal 300, and at least one terminal function unit 4460 and the IC card terminal Each functional component provided in the 300 It includes a control unit 4420 to control.

The controller 4420 controls the overall operation of the IC card terminal 300 in function configuration, manages the flow of information or data between each component, and based on the ledger-based financial IC card 400 according to the present invention. And controlling at least one or more components included in the IC card terminal 300 for a financial transaction, and at least one or more hardware-containing CPU (Central Processing Unit) / MPU (Micro Processing Unit). And a processor, an execution memory (for example, a register), a bus for inputting and outputting predetermined data, and at least one or more electronic circuits (or integrated circuits) therefor. Loading to the execution memory from a predetermined recording medium provided in the IC card terminal 300 for performing and by the processor It is characterized in that it comprises a predetermined program routine (Routine) and / or program data to be processed the solution.

In particular, the controller 4420 includes a predetermined operating system and / or a terminal control program routine for managing the IC card terminal 300 after the IC card terminal 300 is booted by software. .

44 shows at least one program component provided in the IC card terminal 300 for financial transactions based on the ledger-based financial IC card 400 according to the present invention in the controller 4420 for convenience. Will be explained.

The card reader unit 4405 may provide an interface between the card and the IC card terminal 300 to read at least one or more information or data included in the card for at least one or more financial transactions. The MS reader interface for interfacing the MS (Magnetic Stripe) card based on the / IEC 7810 standard with the IC card terminal 300, and / or the financial transaction processing based on the ledger-based financial IC card 400 according to the present invention. Contact IC reader unit for interfacing a contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with IC card terminal 300 and / or a contactless IC card based on ISO / IEC 14443 standard And a contactless IC reader unit for interfacing with 300, wherein the contact IC reader unit and / or the contactless IC reader unit correspond to the IC card reader provided in the IC card terminal 300. It is desirable.

The MS reader unit is a card reader unit 4405 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized in that the predetermined information or data from the at least one or more tracks included in the MS of the MS card to interface with the IC card terminal 300, the cash card and / or debit card provided in the MS card It is preferably used for cash withdrawal.

The contact IC reader unit is a card reader unit 4405 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) associated with a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and converting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized by interfacing to the card terminal 300, according to the present invention is preferably used for financial transactions using the ledger-based financial IC card 400 associated with the IC card.

The non-contact IC reader unit is a card reader unit 4405 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the terminal 300.

The screen output unit 4410 is predefined to be output from the IC card terminal 300 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 4420. Or at least one information or data that is defined in real time or is defined in real time, and the key data input through the key input unit 4415 to the predefined information or data to be output on the screen from the IC card terminal 300. , Information stored or generated by a component included in the IC card terminal 300, information transmitted / received through the communication unit 4455, and data corresponding to a predetermined operation result performed by the IC card terminal 300. It is done by

According to an embodiment of the present invention, the screen output unit 4410 uses a processing screen and / or an interface screen according to each financial transaction step using the ledger-based financial IC card 400 according to the present invention as a predetermined screen output device. It is preferable to output.

The key input unit 4415 has a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or an operation mode of the IC card terminal 300 controlled by the controller 4420. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 4420. The controller 4420 may acquire predetermined key data corresponding to the key event in the current input mode and / or operation mode of the IC card terminal 300, and / or may be defined to match the key event.Characteristic for acquiring a command to execute a predetermined function.

The key input unit 4415 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the IC card terminal 300.

According to the exemplary embodiment of the present invention, a key input device interoperating with the key input unit 4415 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the exemplary embodiment of the present invention, the key input unit 4415 receives at least one or more information for each financial transaction step using the ledger-based financial IC card 400 according to the present invention from a predetermined key input device. desirable.

The communication unit 4455 may provide communication means for performing a transaction function (eg, a transaction function interoperating with the IC card terminal 300 and the external system of each financial system) provided in the IC card terminal 300. And a network communication unit 4455 for providing transactional communication with the ledger server 4300 provided on the financial system through a financial network (eg, a branch network or a CD / ATM network) in hardware. Cable communication unit 4455 and / or infrared ray communication, RF (Radio Frequency) to provide transactional communication with an external communication device via a cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) Local area communication that provides transactional communication with a local area communication device through at least one local area wireless communication including communication, Bluetooth, Wireless LAN, Wi-Fi, and Ultra Wide Band system (UWB). Made including (4455), it comprises a communication protocol and a communication application for providing a communication transaction in software.

According to an embodiment of the present invention, the communication unit 4455 uses the ledger server 4300 and the ledger-based financial IC card 400 on the financial system through the network communication unit 4455 through a predetermined financial network. It is desirable to connect a communication channel for processing a transaction.

The memory unit 4470 is a storage medium 4345 that stores at least one or more information or data required for the controller 4420 to perform a predetermined control function. ), At least one or more storage means including a flash memory (FM) and a hard disk drive (HDD), and a predetermined program required by the controller 4420 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 4470 is configured to process at least one financial transaction used by the IC card terminal 300 to process financial transactions using the ledger-based financial IC card 400 according to the present invention. It is preferable to store the information, and / or after the financial transaction processing using the ledger-based financial IC card 400, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash dispensing unit 4465 is a financial transaction result corresponding to a card read through the card reader unit 4405 from a predetermined financial system through the communication unit 4445, and a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result), when received, a predetermined cash provided in the IC card terminal 300 for cash (or cash requested by the financial transaction customer) corresponding to the cash payment command (or cash payment approval result). Read out from the cash storage unit 4480, characterized in that paid to the customer through a predetermined cash discharge unit (4485).

The terminal function unit 4460 is a component provided in the IC card terminal 300 in addition to the components shown in FIG. 44 and / or components provided in the IC card terminal 300 for a predetermined purpose or role. Representatively, various additions according to the intention of those skilled in the art such as a secure application module (SAM) for supporting financial transactions and / or a print output unit for printing and outputting a receipt and / or a biometric device for biometrics. This includes the functional configuration.

Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 4460 provided according to the characteristics of the IC card terminal 300, and thus a detailed description thereof will be omitted.

Referring to FIG. 44, the IC card terminal 300 is provided with a predetermined financial IC card 400 through the card reader 4405 to provide a ledger-based financial IC card 400 service according to the present invention. When linked, a validity authentication unit 4425 for authenticating the validity of the at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) using a predetermined PIN, and When the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated, a financial instrument identifier (or IC card unique information) is read from the IC card. An information generating unit 4430, an information generating unit 4435 for generating a full financial instrument information request message including the financial instrument identifier (or IC card specific information), and the generated financial instrument through the communication unit 4455 Transfer the full request for information to the ledger server (4300) And receiving a financial instrument information telegram corresponding to the financial instrument information request telegram from the ledger server 4300, and the financial instrument for predetermined financial transaction among at least one financial instrument information included in the received financial instrument information telegram. And an information processing unit 4440 outputting an interface screen for selecting the screen through the screen output unit 4410.

In addition, when a predetermined financial transaction financial means is selected from the interface screen output through the screen output unit 4410, the IC card terminal 300 executes a predetermined financial transaction corresponding to the financial transaction financial means. It is preferable that the information input unit (4445) for receiving the financial transaction information for processing further comprises, in this case, the information generation unit 4435, the financial transaction request including the financial means information and financial transaction information for financial transactions Preferably, a full text is generated, and the information processing unit 4440 transmits the generated financial transaction request full text to the ledger server 4300 through the communication unit 4455, and requests the financial transaction from the ledger server 4300. Receiving the financial transaction text corresponding to the full text, and outputs the financial transaction history included in the financial transaction text through the screen output unit 4410 It is right.

In addition, the IC card terminal 300 is transferred from the financial IC card 400 to the ledger through the card reader 4405 when transferring the financial means between the financial IC card 400 and the ledger according to the present invention. And an information recording unit 4450 for deleting at least one financial instrument information to be recorded, and recording at least one financial instrument information to be transferred to the financial IC card 400 on the ledger in the financial IC card 400. Characterized in that made.

The validity authentication unit 4425 may be connected to the key input unit 4415 when a predetermined IC card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit among the card reader units 4405. Interworking to receive a predetermined PIN, and based on the entered PIN, confidentiality, authentication, integrity and denial of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400). At least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) by the validity authentication unit 4425 When the validity is verified, a predetermined financial transaction procedure using the ledger-based financial IC card 400 according to the present invention is normally performed.

According to one embodiment of the present invention, the validity authentication unit 4425 is connected with the financial IC card 400 (and / or the financial IC card 400) after a predetermined IC card is inserted into the IC card reader. It is desirable to carry out a validation process for at least one financial instrument.

According to the exemplary embodiment of the present invention, the validity authentication unit 4425 may switch the operation mode of the IC card terminal 300 to the financial transaction mode after a predetermined IC card is inserted into an IC card reader, or After the operation mode of the IC card terminal 300 is switched to the financial transaction mode, when a predetermined IC card is inserted into the IC card reader, the financial IC card 400 (and / or the financial IC card 400 It is desirable to carry out a validation process for at least one financial instrument associated with).

If the information reading unit 4430 is authenticated by the validity authentication unit 4425 for the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400), Read a predetermined financial instrument identifier from the IC card, and / or read IC card specific information from the IC card, wherein the read financial instrument identifier (or IC card specific information) is the information generation unit. 444 provided.

The information generation unit 4435 generates a predetermined financial means information request message including a financial means identifier (or IC card unique information) read from the IC card through the information reader 4430. The financial instrument information request message may include, in addition to the financial instrument identifier (or IC card unique information), the IC card terminal 300 address information and / or the IC card terminal 300 ID information corresponding to the IC card terminal 300. And / or at least one of the IC card terminal 300 manager (or operator) information and the like, wherein the IC card terminal 300 address information and / or the IC card terminal 300 ID information and / or the like. Alternatively, the IC card terminal 300 manager (or operator) information may be extracted from the financial transaction processing information stored in the memory unit 4470 of the IC card terminal 300.

The information processing unit 4440 transmits the generated financial means information request full text to the ledger server 4300 through the communication unit 4455, and the ledger-based financial IC card from the ledger server 4300. Waiting for the financial instrument information telegram including at least one financial instrument information corresponding to 400 is received.

If a financial instrument information telegram including at least one financial instrument information corresponding to the ledger-based financial IC card 400 is received, the information processing unit 4440 may include at least one or more financial instrument information telegraphs. Extracting financial means information and outputting an interface screen for selecting a financial means for a predetermined financial transaction from the extracted at least one financial means information through the screen output unit 4410, wherein the key input unit The user waits for a predetermined financial transaction financial means selected from among at least one financial means included in the interface screen through 4415.

If a predetermined financial transaction financial means is selected from among at least one financial means included in the interface screen, the information processing unit 4440 may perform a predetermined financial transaction among at least one financial transaction that can be processed through the financial transaction financial means. An interface screen for selecting a transaction is output through the screen output unit 4410, and a predetermined financial transaction is selected from at least one financial transaction included in the interface screen through the key input unit 4415. Wait for that.

If a predetermined financial transaction among at least one financial transaction included in the interface screen is selected, the information processor 4440 outputs the interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And output financial information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 4415 through the key input unit 4415. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial means and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 4445 is financed for the financial transaction. Information on the withdrawal amount to be withdrawn from the Sudan, the deposit account number to which the withdrawal amount is transferred and deposited, the financial instrument password for the financial transaction, the account transfer password, and a security card corresponding to the financial instrument for the financial transaction; It comprises at least one predetermined security card number of the plurality of security card numbers.

If the financial transaction information input is completed, the information processor 4440 provides the financial means information for the financial transaction and the input at least one financial transaction information to the information generator 4435.

The information generating unit 4435 generates a financial transaction request message including the financial means financial means information and the input at least one financial transaction information, and converts the generated financial transaction request message into the information processing unit 4440. To provide.

The information processing unit 4440 transmits the generated financial transaction request message to the ledger server 4300, wherein the financial transaction information and the input at least one input from the ledger server 4300. Waiting for the predetermined financial transaction text including the predetermined financial transaction history information corresponding to the financial transaction information is received.

If a predetermined financial transaction text message including the financial transaction history information is received, the information processing unit 4440 extracts financial transaction history information included in the received financial transaction text message, and the extracted financial transaction history information. It is characterized in that for outputting through the screen output unit 4410.

According to the method of the present invention, the received financial transaction telegram may further include at least one recent financial transaction history, in addition to the financial transaction information and the financial transaction history information corresponding to the financial transaction information. In this case, the information processor 4440 preferably further outputs the received at least one recent financial transaction history through the screen output unit 4410.

In addition, the information processing unit 4440 preferably stores the financial transaction history information extracted from the received financial transaction text in the memory unit 4470 for a predetermined period, whereby various additional services such as canceling a previous transaction. Can be easily provided.

In order to transfer the financial means between the financial IC card 400 and the ledger according to the present invention, the information processing unit 4440 is a financial means between the financial IC card 400 and the ledger to the financial transaction received from the ledger server 4300 And receiving customer approval request information for transfer, in this case outputting customer approval request information for transfer of financial means between the financial IC card 400 and the ledger through the screen output unit 4410. It is characterized by.

Thereafter, the information input unit 4445 receives the financial instrument transfer approval information corresponding to the customer approval request information through the key input unit 4415.

If the financial instrument transfer approval information is input through the information input unit 4445, the information processing unit 4440 may include a predetermined financial instrument transfer server 4355 (or a ledger server 4300) including the financial instrument transfer approval information. ), And also receives financial instrument transfer processing information for transferring the financial instrument between the financial IC card 400 and the ledger from the financial instrument transfer server 4355 (or ledger server 4300). Characterized in that.

According to one embodiment of the invention, the financial instrument transfer approval information and the financial instrument transfer processing information is preferably transmitted and received in a predetermined form.

According to another exemplary embodiment of the present invention, the financial instrument transfer approval information and the financial instrument transfer processing information manage an institution that operates the IC card terminal 300 and / or a ledger corresponding to the financial IC card 400. It is preferable that the transmission and reception in the form of traffic data corresponding to the communication protocol standard defined by the authority.

According to the implementation method of the present invention, the financial instrument transfer approval information is confidentiality that the customer who issued the financial IC card 400 approved the financial instrument transfer between the financial IC card 400 and the ledger according to the present invention, It is desirable to include information to ensure authentication, integrity and nonrepudiation.

For example, the financial instrument transfer approval information may include a validity verification result confirmed through a PIN corresponding to the financial IC card 400, and / or a predetermined password (eg, provided on the ledger). Account password, or a financial instrument transfer approval password).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable that a list is included.

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

When the financial instrument transfer processing information for transferring the financial instrument between the financial IC card 400 and the ledger is received from the financial instrument transfer server 4355 (or the ledger server 4300), the information recording unit 4450 is provided with the financial instrument. The financial IC card 400 side transfer target financial means information (at least one or more financial means information to be transferred to the ledger from the financial IC card 400) included in the means transfer processing information, and the financial IC card ( And the financial means information corresponding to the identified financial IC card 400 transfer target financial means information from 400.

If there is no financial instrument information to transfer from the financial IC card 400 to the ledger, and / or financial instrument information to transfer from the financial IC card 400 to the ledger is transferred from the financial IC card 400. When deleted, the information recording unit 4450 checks the ledger-side transfer target financial means information (at least one or more financial means information to be transferred to the financial IC card 400 on the ledger) included in the financial instrument transfer processing information. And, characterized in that the ledger-side transfer target financial means information is recorded in the financial IC card (400).

Hereinafter, in the financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing agency through FIGS. 45, 46, 47, 48 and 49, the 43 shown in FIG. An exemplary embodiment in which the financial instrument transfer server 4355 performs the financial instrument transfer procedure according to the present invention in conjunction with the ledger server 4300 will be described.

However, the financial instrument transfer procedure according to the present invention is not always performed only in the financial transaction process, and those skilled in the art belong to the present invention, in addition to the financial transaction process, It will be possible to infer various implementation methods performed, and the present invention includes all implementation methods inferred.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may base the predetermined financial instrument transfer policy (or condition) information on the financial instrument transfer server 4355 shown in FIG. 43 in addition to the embodiment shown below. Read the transaction history information to confirm whether the transfer of the financial means according to the present invention, and when the result of the check is confirmed that the transfer of the financial means, the financial means transfer server 4355 from the financial IC card 400 to the customer communication means After providing the customer approval request information for transferring the financial means, receiving financial means transfer approval information corresponding to the customer approval request information from the customer communication means, and generates predetermined financial means transfer processing information to generate the financial IC By providing the card 400 to the IC card terminal 300 currently used by the customer, it is possible to infer an implementation method of transferring the financial means. A.

In addition, if those of ordinary skill in the art to which the present invention pertains, in addition to the embodiment shown below, the financial instrument transfer policy (or condition) information in the financial instrument transfer server 4355 shown in FIG. Read the transaction history information to confirm whether the transfer of the financial means according to the present invention, and when the result of the check is confirmed that the transfer of the financial means, the financial means transfer server 4355 from the financial IC card 400 to the customer communication means After providing the customer approval request information for the financial means transfer, receiving and storing the financial means transfer approval information corresponding to the customer approval request information from the customer communication means, the financial IC card 400 customer In the financial transaction process using the IC card terminal 300, a predetermined financial means transfer processing information is generated and provided to the IC card terminal 300 without a customer approval procedure. As such, the exemplary method will be able to infer the transfer of the financial instruments.

45 is a view showing an operation process of the IC card terminal 300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 45 illustrates the ledger server in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. (4300) in connection with the operation of the IC card terminal 300 for the process of performing the financial instrument transfer procedure in accordance with the present invention, specifically linked with the ledger-based financial IC card 400 according to the present invention A method for starting a financial transaction using the ledger-based financial IC card 400 in the IC card terminal 300 after inserting the inserted IC card into the IC card terminal 300 shown in FIG. It is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 45 to initiate various financial transactions using the ledger-based financial IC card 400 in the IC card terminal 300. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 45, the operation mode checking process and the validity authentication process of the IC card terminal 300 may be reversed, and the validity authentication process may perform biometric information according to the intention of a person skilled in the art, in addition to validity authentication using a PIN. It may be replaced by the validity authentication used.

In the following Figure 45, the IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 45, the terminal equipped with the financial transaction function using the ledger-based financial IC card 400 according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (4500). When a predetermined IC card is inserted through the IC card reader (4505), the terminal performs an initialization procedure for the financial IC card 400 through the IC card reader (4510).

Those skilled in the art will be familiar with the technical features of the IC card initialization procedure, so a detailed description thereof will be omitted for convenience.

If the initialization procedure for the financial IUC card is completed through the IC card reader (4515), the terminal outputs a validity authentication interface screen (eg, a screen requesting to input a predetermined PIN) using a predetermined PIN. A predetermined PIN is input through the validity authentication interface screen to check whether the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated (4525). ).

If the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is not authenticated (4530), the terminal outputs a predetermined validity authentication error message ( 4535), the financial transaction procedure using the ledger-based financial IC card 400 is terminated.

On the other hand, if the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated (4530), the terminal receives a predetermined financial instrument identifier (or The IC card unique information) is read (4540), and a predetermined financial instrument information request message including the read financial instrument identifier (or IC card unique information) is generated (4545).

Thereafter, the terminal checks whether a communication channel is connected to the ledger server 4300 that will transmit and receive the full financial instrument information request message through the communication network (4550).

If the communication channel for transmitting and receiving the financial instrument information request message is not connected between the terminal and the ledger server 4300 (4555), the terminal communicates with the ledger server 4300 and the financial means through the communication network. A predetermined communication channel capable of transmitting and receiving the information request message is connected (4560).

On the other hand, when the communication channel capable of transmitting and receiving the financial instrument information request message is connected between the terminal and the ledger server 4300 (4555) or through a communication channel connection procedure (4560), the terminal The full text instrument information request is transmitted to the ledger server 4300 through the communication channel (4565), and the ledger server 4300 includes at least one financial means information to the terminal through the process as shown in FIG. 46. To transfer the full text of financial instruments information.

46 is a view showing the operation of the ledger server 4300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 46 shows the ledger server in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. An operation process of the ledger server 4300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the operation 4300, specifically, receiving the full financial instrument information request through the process as shown in FIG. In one ledger server 4300, at least one financial means corresponding to the ledger-based financial IC card 400 is identified based on the financial instrument identifier (or IC card unique information) included in the financial instrument information request message. And generating a predetermined financial instrument information telegraph including at least one financial instrument information corresponding to the identified financial account and transmitting the predetermined financial instrument information telegram to the IC card terminal 300. The poem method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 46 to convert the financial instrument identifier (or IC card unique information) included in the financial instrument information request text in the ledger. Identify at least one financial instrument corresponding to the ledger-based financial IC card 400 and generate a predetermined financial instrument information telegram including at least one financial instrument information corresponding to the identified financial account. Various implementation methods for transmitting to the card terminal 300 may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In the following Figure 46, the IC card terminal 300 is referred to as "terminal" for convenience, and the ledger server 4300 is referred to as "server" for convenience.

Referring to FIG. 46, the ledger server 4300 equipped with a financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full financial instrument information request message from at least one terminal through the communication network. Periodically check whether the full financial instrument information request message is received from a predetermined terminal (4605), and the server reads the full financial instrument information request telegram to read a predetermined financial instrument identifier (or IC card). Unique information) and retrieves the ledger D / B 3430 based on the extracted financial instrument identifier (or IC card unique information), thereby extracting the extracted information from the ledger D / B 3430. At least one ledger information matching the financial instrument identifier (or IC card unique information) is retrieved (4615).

If at least one ledger information that matches the extracted financial instrument identifier (or IC card unique information) is retrieved from the ledger D / B 3430 (4620), the server may request from the ledger D / B 3430. Extract at least one financial instrument information (for example, financial instrument information corresponding to the ledger-based financial IC card 400 according to the present invention) matching the financial instrument identifier (or IC card unique information); A predetermined financial instrument information full text including the extracted at least one financial instrument information is generated (4630).

At this time, the financial instrument transfer server 4355 shown in FIG. 43 corresponds to the financial IC card 400 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 4350. By reading at least one period of time or monthly / quarterly transaction history information, transfer of at least one financial instrument (e.g., the financial instrument of the financial IC card 400 is transferred to the ledger and / or to the ledger). It is checked whether the provided financial means is transferred to the financial IC card 400 (4635).

If the transfer of the financial instrument is not confirmed (4640), the server transmits the generated financial instrument information text message to the terminal through the communication network (4655).

On the other hand, if at least one financial instrument transfer is not confirmed (4640), the financial instrument transfer server 4355 generates predetermined customer approval request information and provides it to the server (4645). After including the customer approval request information in the financial means information telegram (4650), the financial instrument information telegram is transmitted to the terminal through the communication network (4655).

47 is a view showing an operation process of the IC card terminal 300 for financial transaction processing using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 47 illustrates the ledger server in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. An operation process of the IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the (4300), specifically receiving the full financial means information through the process as shown in Figure 46 An IC card terminal 300 illustrates an implementation method for processing a financial transaction using the ledger-based financial IC card 400 according to the present invention based on at least one or more financial means information included in the full financial instrument information. will be.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 47 based on at least one financial instrument information included in the full financial instrument information in the IC card terminal 300. Although various implementation methods for processing financial transactions using the ledger-based financial IC card 400 according to the present invention may be inferred, the present invention includes all of the inferred implementation methods, and the implementation method illustrated in FIG. 47. It is not limited to only.

In the following Figure 47, the IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 47, the terminal transmitting the full financial instrument information request message to the ledger server 4300 through the process illustrated in FIG. 45 may correspond to the full financial instrument information request telegram from the ledger server 4300. A predetermined financial instrument information text including one or more financial instrument information is waited for to be received (4700), and includes at least one financial instrument information from the ledger server 4300 through the process illustrated in FIG. 46. When a predetermined financial instrument information telegram is received (4705), the terminal extracts at least one financial instrument information included in the financial instrument information telegram, and for the predetermined financial transaction among the extracted at least one financial instrument information. Output a predetermined financial instrument selection interface screen for selecting a financial instrument (4710), and through the financial instrument selection interface screen Check that for a financial transaction financial instrument is selected (4715).

If a predetermined financial transaction financial means is selected through the financial means selection interface screen (4720), the terminal selects a predetermined financial transaction among at least one financial transaction that can be processed in response to the selected financial transaction financial means. A predetermined financial transaction selection interface screen is output (4725), and the predetermined financial transaction to be processed through the financial means for financial transaction is selected through the financial transaction interface screen (4730).

If a predetermined financial transaction to be processed through the financial transaction financial means is selected through the financial transaction selection interface screen (4735), the terminal corresponds to at least a predetermined financial transaction to be processed through the financial transaction financial means. Outputting a financial transaction information input interface screen for inputting one or more financial transaction information (4740) and at least one corresponding to a predetermined financial transaction to be processed through the financial transaction financial means through the financial transaction information input interface screen; Check whether financial transaction information is input (4745).

If all financial transaction information corresponding to a predetermined financial transaction to be processed through the financial instrument for financial transaction is input (4750), the terminal may input the financial instrument financial instrument information and the input at least one financial transaction information. Generate a full financial transaction request including (4755).

Thereafter, the terminal checks whether the received financial instrument information text includes predetermined customer approval request information (4760).

According to another exemplary embodiment of the present disclosure, the method may include verifying that the customer approval request information is included in the full financial instrument information, and / or receiving financial instrument transfer approval information corresponding to the customer approval request information. It may be performed before the full financial transaction request is generated, and thus the present invention is not limited thereto.

If the financial instrument information message does not include predetermined customer approval request information (4765), the terminal transmits the generated financial transaction request message to the ledger server 4300 through the communication network (4785).

On the other hand, if the financial instrument information preamble includes predetermined customer approval request information (4765), the terminal approves the transfer of the predetermined financial instrument for inputting the predetermined financial instrument transfer approval information corresponding to the customer approval request information. An information input interface is output and it is checked whether predetermined financial instrument transfer approval information is input through the predetermined key input means (4770).

If predetermined financial instrument transfer approval information is input through the financial instrument transfer approval information input interface (4775), the terminal includes the financial instrument transfer approval information in the financial transaction request message (4780). The request message is transmitted to the ledger server 4300 through the communication network (4785).

48 is a diagram illustrating an operation process of the ledger server 4300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 48 shows the ledger server in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. An operation process of the ledger server 4300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the operation 4300, specifically receiving the full financial transaction request through the process as shown in Figure 47 In the ledger server 4300, a financial transaction corresponding to the financial transaction information is performed through the financial transaction financial means based on the financial transaction financial means information and at least one financial transaction information included in the financial transaction request message. It shows the method of implementation.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 48 and at least one of the financial means information for financial transactions included in the financial transaction request in the ledger server 4300. Based on the above financial transaction information, various implementation methods for processing a financial transaction corresponding to the financial transaction information can be inferred through the financial means for financial transaction, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

In the following Figure 48, the IC card terminal 300 is referred to as "terminal" for convenience, and the ledger server 4300 is referred to as "server" for convenience.

Referring to FIG. 48, the ledger server 4300 equipped with a financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full text of the financial transaction request from at least one terminal through the communication network. If it is periodically determined whether or not (4800), if the financial transaction request message is received from a predetermined terminal (4805), the server reads the financial transaction request message to the predetermined financial means financial means information and at least one or more Extracting financial transaction information (4810) and interworking with the ledger D / B 3430 based on the extracted financial transaction information and at least one financial transaction information, the financial transaction through the financial transaction financial means; It processes the financial transaction corresponding to the transaction information (4815).

If a financial transaction corresponding to the financial transaction information is processed through the financial means for financial transaction (4820), the server generates predetermined financial transaction detail information including the financial transaction processing result (4825), and the generation The financial transaction details information linked to the account ledger corresponding to the financial means for financial transactions of the ledger D / B 3430 and storing them (4830), and prescribes a predetermined financial transaction text including the financial transaction details information. Create (4835).

Thereafter, the server checks whether the financial transaction request message includes predetermined financial instrument transfer approval information (4840).

According to another exemplary embodiment of the present invention, the method may further include determining whether the financial instrument transfer approval information is included in the preamble of the financial transaction request, and / or generating predetermined financial instrument transfer processing information corresponding to the financial instrument transfer approval information. The step may be performed before the full financial transaction is generated, whereby the present invention is not limited.

If the financial transaction request message does not include predetermined financial instrument transfer approval information (4845), the server transmits the financial transaction message to the terminal through the communication network (4895).

If the financial transaction request message includes predetermined financial instrument transfer approval information (4845), the server provides the financial instrument transfer approval information (4850) to the financial instrument transfer server (4355), and correspondingly The financial instrument transfer server 4355 checks the validity of the financial instrument transfer approval information (4855).

According to an embodiment of the present invention, the financial instrument transfer approval information is a predetermined symmetric key method (eg, a method of verifying validity by checking whether the financial instrument transfer approval information is compared with a predetermined information provided on the server side and matching). In the case of including the password form of (), the server checks the validity of the financial instrument transfer approval information by the symmetric key method.

According to another exemplary embodiment of the present invention, when the financial instrument transfer approval information is encrypted, the server verifies the validity of the financial instrument transfer approval information by decrypting the financial instrument transfer approval information.

If the validity of the financial instrument transfer approval information is not authenticated (4860), the financial instrument transfer server 4355 generates predetermined financial instrument transfer error information and provides it to the server (4865). After including the financial instrument transfer error information in the financial transaction telegram (4870), the financial transaction telegram is transmitted to the terminal through the communication network (4895).

On the contrary, if the validity of the financial instrument transfer approval information is authenticated (4860), the financial instrument transfer server 4355 generates the financial instrument transfer processing information corresponding to the validity authentication result (4875).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial instrument information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

Thereafter, the financial instrument transfer server 4355 changes the ledger information corresponding to the financial instrument transfer processing information in association with the financial system (4880).

According to the method of the present invention, the financial instrument transfer server 4355 is connected with the financial system to the financial IC card 400 side transfer target financial instrument information included in the financial instrument transfer processing information. Delete / erased and / or deactivated financial instrument identifiers included in

In addition, the financial instrument transfer server 4355 adds / includes the financial instrument identifier on the ledger corresponding to the ledger-side transfer target financial instrument information included in the financial instrument transfer processing information in association with the financial system. , And / or deactivate.

According to another exemplary embodiment of the present invention, the process of changing the ledger information corresponding to the financial instrument transfer processing information in connection with the financial system in the financial instrument transfer server 4355 may be performed from the IC card terminal 300. After receiving the information recording result corresponding to the financial instrument transfer processing information, it may be performed, whereby the present invention is not limited.

Thereafter, the financial instrument transfer server 4355 provides the financial instrument transfer processing information to the server (4885), and in response, the server includes the financial instrument transfer processing information in the financial transaction text (4890). In step 4895, the financial transaction message is transmitted to the terminal through the communication network.

49 is a diagram illustrating an operation process of the IC card terminal 300 for completing a financial transaction using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 49 shows the ledger server in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined IC card terminal 300 operated by the financial IC card 400 issuing institution. An operation process of the IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the (4300), specifically the IC received the financial transaction text through the process as shown in Figure 48 The card terminal 300 illustrates an implementation method of completing a financial transaction using the ledger-based financial IC card 400 according to the present invention based on at least one or more financial transaction history information included in the full text of the financial transaction.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 49 based on at least one or more financial transaction history information included in the full text of the financial transaction in the IC card terminal 300. Various implementation methods for completing a financial transaction using the ledger-based financial IC card 400 according to the present invention may be inferred, but the present invention includes all of the inferred implementation methods, and the implementation method illustrated in FIG. 49. It is not limited to only.

In the following Figure 49, the IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 49, the terminal that transmits the financial transaction request telegram to the ledger server 4300 through the process illustrated in FIG. 47 may include at least one or more corresponding to the financial transaction request telegram from the ledger server 4300. Waiting for a predetermined financial transaction text including financial transaction history information to be received (4900), and if the predetermined financial including the financial transaction processing result from the ledger server 4300 through the process shown in Figure 48 When a predetermined financial transaction message including transaction history information is received (4905), the terminal reads the financial transaction message and outputs the financial transaction history information included in the financial transaction message on the terminal screen, and And / or the financial transaction detail information is stored in the memory unit 4470 (4910).

Thereafter, the terminal checks whether the financial transaction processing information is included in the financial transaction text (4915).

If the financial transaction text does not include the financial instrument processing information (4920), the terminal prints and outputs the financial transaction history information included in the financial transaction text (4925) through a predetermined printing device. Complete the financial transaction using the ledger-based financial IC card 400 according to the invention.

On the other hand, if the financial transaction includes the financial means processing information (4920), the terminal of the financial means provided in the financial IC card 400, the financial IC card 400 side included in the processing information before the financial means The financial instrument corresponding to the transfer target financial instrument information is deleted (4930).

If the financial IC card 400 side transfer target financial means information is deleted (4935), the terminal corresponds to the ledger side transfer target financial means information included in the financial instrument transfer processing information on the financial IC card 400. Record the means of finance (4940).

If the ledger-side transfer target financial instrument information is recorded (4945), the terminal outputs the financial instrument transfer result on the screen (4950), the financial transaction history included in the full text of the financial transaction through a predetermined printing device By printing and outputting information and the financial instrument transfer result (4955), the financial transaction and financial instrument transfer process using the ledger-based financial IC card 400 according to the present invention is completed.

50 is a diagram illustrating a functional configuration of a third institution IC card terminal 300 for processing a financial transaction using the ledger-based financial IC card 400 according to another embodiment of the present invention.

In more detail, in FIG. 50, a third institution IC card terminal 300 including a CD / ATM operated and / or managed by a predetermined third institution is financed using the ledger-based financial IC card 400 according to the present invention. As shown in the preferred functional configuration for processing a transaction, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modification of this drawing 50, each third institution IC card terminal 300 is a window. Various implementation methods can be inferred in the case of a terminal, and / or a wired terminal and / or a wireless terminal and / or a home appliance terminal having a predetermined IC card reader, and / or a payment terminal provided in a predetermined merchant. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 50, the third institutional IC card terminal 300 recognizes an MS card and / or an IC card to obtain a predetermined information, and a card reader unit 5005 and the third institutional IC card terminal 300. A screen output unit 5010 for outputting a processing screen to each financial transaction step provided through the step, a key input unit 5015 for receiving predetermined information corresponding to each financial transaction step, and the ledger through a predetermined financial network. The communication unit 5065 which communicates with the server 4300, and the third institution IC card terminal 300 is provided with at least one financial transaction processing information for the financial transaction processing, and predetermined financial transaction history information after the financial transaction. A memory unit 5060 for storing, a cash payment unit 5075 for paying cash for each financial transaction, a power supply unit 5080 for supplying power to the third institution IC card terminal 300, and at least one The terminal function unit 5070 and the above-mentioned third engine IC DE is made by a controller 5020 for controlling each functional configuration unit provided in the terminal 300.

The controller 5020 controls the overall operation of the third institution IC card terminal 300 in function configuration, manages the flow of information or data between each component, ledger-based financial IC card 400 according to the present invention Control at least one or more components provided in the third institution IC card terminal 300 for a financial transaction based on the hardware, and is a hardware (Central Processing Unit) / MPU (Micro Processing Unit) And at least one processor and an execution memory (eg, a register) including a bus, a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor. Loading into the execution memory from a predetermined recording medium provided in the third institution IC card terminal 300 to perform a function unique to the software (Lo ading) and a predetermined program routine (Routine) and / or program data which are arithmetic processed by the processor.

In particular, the controller 5020 controls a predetermined operating system and / or terminal control that manages the third institution IC card terminal 300 after the third institution IC card terminal 300 is booted by software. This includes program routines.

Hereinafter, the drawing 50 shows at least one program component provided in the third institution IC card terminal 300 for financial transactions based on the ledger-based financial IC card 400 according to the present invention. Will be shown in the following description.

The card reader 5005 provides an interface between the card and the third institution IC card terminal 300 to read at least one or more information or data included in the card for at least one or more financial transactions. And an MS reader interface for interfacing an MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the third institution IC card terminal 300, and / or the ledger-based financial IC card 400 according to the present invention. Contact IC reader unit and / or ISO / IEC 14443 standard for interfacing a contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with the third institution IC card terminal 300 for financial transaction processing. And a contactless IC reader unit for interfacing the contactless IC card with the third institution IC card terminal 300, wherein the contact IC reader unit and / or the contactless IC reader unit are configured as the third engine IC card. That corresponds to the IC card reader provided in the terminal 300 is preferred.

The MS reader unit is a card reader unit 5005 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. And interfacing predetermined information or data from the at least one track included in the MS of the MS card to the third institution IC card terminal 300, wherein the cash card and / or the MS card are provided. Or it is preferably used for cash withdrawal using a debit card.

The contact IC reader unit is a card reader unit 5005 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) associated with a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized by interfacing to the third institution IC card terminal 300, according to the present invention is preferably used for financial transactions using the ledger-based financial IC card 400 associated with the IC card.

The non-contact IC reader is a card reader 5005 based on ISO / IEC 14443. At least one of the non-contact IC card is in contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the engine IC card terminal 300.

The screen output unit 5010 is output from the third institution IC card terminal 300 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 5020. And at least one information or data that is predefined or defined in real time. The key input unit 5015 includes information or data that is predefined to be output on the screen by the third institution IC card terminal 300. Key data input through the information, information stored or generated by the components provided in the third institution IC card terminal 300, information transmitted and received through the communication unit 5065, in the third institution IC card terminal 300 It includes data corresponding to a predetermined calculation result to be performed.

According to the exemplary embodiment of the present invention, the screen output unit 5010 uses a processing screen and / or an interface screen according to each financial transaction step using the ledger-based financial IC card 400 according to the present invention as a predetermined screen output device. It is preferable to output.

The key input unit 5015 is provided with at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from the key input device of the controller and inputs the key input device to the key input device in a specific input mode and / or operation mode of the third engine IC card terminal 300 controlled by the controller 5020. When predetermined information (or signal) is input from the provided key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 5020. The controller 5020 may acquire predetermined key data corresponding to the key event in the current input mode and / or the operation mode of the third institution IC card terminal 300, and / or the key event. Wow And obtaining a command for executing a predetermined function that is matched and defined.

The key input unit 5015 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the third institution IC card terminal 300.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 5015 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 5015 preferably receives at least one or more information for each financial transaction step using the ledger-based financial IC card 400 according to the present invention from a predetermined key input device. Do.

The communication unit 5065 is configured to perform a transaction function (eg, a transaction function interoperating with the third institution IC card terminal 300 and the external system of each financial system) included in the third institution IC card terminal 300. It characterized in that it provides a communication means, the network communication unit for providing transaction communication with the ledger server 4300 provided on the financial system through a financial network (for example, party network, CD / ATM network, etc.) in hardware; And / or a cable communication unit that provides transactional communication with an external communication device through a predetermined cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) and / or infrared ray communication, RF (Radio Frequency) Near field communication providing transactional communication with a local area communication device through at least one short range wireless communication including communication, Bluetooth, Wireless LAN, Wi-Fi, and Ultra Wide Band system (UWB). It comprised, including the re-communication unit comprises a communication protocol and a communication application for providing a communication transaction in software.

According to an embodiment of the present invention, the communication unit 5065 processes a financial transaction using a ledger server 4300 and a ledger-based financial IC card 400 on the financial system via a predetermined financial network through the network communication unit. It is desirable to connect a communication channel for the purpose of communication.

The memory unit 5060 is a storage medium 4345 that stores at least one information or data required for the control unit 5020 to perform a predetermined control function, and is electrically hardware and programmable read only memory (EPEPROM). ), At least one storage means including a flash memory (FM) and a hard disk drive (HDD), and a predetermined program required by the controller 5020 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 5060 may include at least one or more of the third institution IC card terminal 300 used to process financial transactions using the ledger-based financial IC card 400 according to the present invention. It is preferable to store the financial transaction processing information, and / or after the financial transaction processing using the ledger-based financial IC card 400, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 5075 is a financial transaction result corresponding to a card read through the card reader unit 5005 from a predetermined financial system through the communication unit 5065, a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result) and, if received, cash (or cash requested by the financial transaction customer) in the third institution IC card terminal 300 corresponding to the cash payment command (or cash payment approval result). Read out from the predetermined cash storage unit 5085 is characterized in that it is paid to the customer through a predetermined cash discharge unit (5090).

The terminal function unit 5070 is a component provided in the third institution IC card terminal 300 in addition to the components shown in FIG. 50 and / or the third institution IC card terminal 300 for a predetermined purpose or role. ) Are typically provided to those skilled in the art such as a secure application module (SAM) for supporting financial transactions and / or a print output unit for printing and outputting a receipt and / or a biometric device for biometrics. It consists of various additional function configuration according to the intention of the.

Those skilled in the art to which the present invention pertains, since it will be easy to understand each terminal function unit 5070 provided in accordance with the characteristics of the third institution IC card terminal 300 will be described in detail Omit.

Referring to FIG. 50, the third institution IC card terminal 300 is provided with a predetermined financial IC card through the card reader 5005 to provide a ledger-based financial IC card 400 service according to the present invention. In conjunction with 400, the validity authentication unit 5025 for authenticating the validity of the financial IC card 400 (and / or at least one financial means associated with the financial IC card 400 using a predetermined PIN). And if the validity of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) is authenticated, a financial instrument identifier and / or ledger interworking information is read from the IC card. An information checking unit 5035 for reading the information ledger 5030 and the predetermined ledger interworking information, and confirming a predetermined ledger server 4300 corresponding to the organization that issued the financial IC card 400; Financial instrument information including the financial instrument identifier Sending the generated financial means information request telegram to the ledger server 4300 through the full text generation unit 5040 and the communication unit 5065 to generate the request telegram, the financial means information request from the ledger server 4300 The screen output unit 5010 displays an interface screen for receiving a financial instrument information telegram corresponding to a telegram and selecting a financial instrument for a financial transaction from among at least one financial instrument information included in the received financial instrument information telegram. Characterized in that it comprises a specialized processing unit 5045 to output through.

In addition, when a predetermined financial transaction financial means is selected from the interface screen output through the screen output unit 5010, the third institution IC card terminal 300 corresponds to the predetermined financial instrument corresponding to the financial transaction financial means. Preferably, the information input unit 5050 receives financial transaction information for processing a financial transaction. In this case, the full text generation unit 5040 includes the financial transaction information and financial transaction information. Preferably, the financial transaction request telegram is generated, and the specialized processing unit 5045 transmits the generated financial transaction request telegram to the ledger server 4300 through the communication unit 5065, and from the ledger server 4300. Receiving a financial transaction text corresponding to the financial transaction request text, and outputs the financial transaction history included in the financial transaction text through the screen output unit 5010 It is preferred.

In addition, when the third institution IC card terminal 300 transfers the financial means between the financial IC card 400 and the ledger according to the present invention, the ledger from the financial IC card 400 through the card reader 5005 An information recording unit 5055 for deleting at least one financial means information to be transferred to the financial IC card 400 and deleting at least one financial means information to be transferred to the financial IC card 400 on the ledger; It is characterized by being further provided.

The validity authentication unit 5025 may be connected to the key input unit 5015 when a predetermined IC card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit among the card reader units 5005. Interworking to receive a predetermined PIN, and based on the entered PIN, confidentiality, authentication, integrity and denial of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400). At least one or more financial means associated with the financial IC card 400 (and / or the financial IC card 400) by the validity authentication unit 5025. When the validity is verified, a predetermined financial transaction procedure using the ledger-based financial IC card 400 according to the present invention is normally performed.

According to an exemplary embodiment of the present invention, the validity authentication unit 5025 is linked with the financial IC card 400 (and / or the financial IC card 400) after a predetermined IC card is inserted into the IC card reader. It is desirable to carry out a validation process for at least one financial instrument.

According to one embodiment of the invention, the validity authentication unit 5025 after the predetermined IC card is inserted into the IC card reader, the operation mode of the third institution IC card terminal 300 is switched to the financial transaction mode Or, when a predetermined IC card is inserted into the IC card reader after the operation mode of the third institution IC card terminal 300 is switched to the financial transaction mode, the financial IC card 400 (and / or It is preferable to perform a validity authentication procedure for at least one financial means associated with the financial IC card 400.

The information reading unit 5030 is verified by the validity authentication unit 5025 when the validity of at least one financial means associated with the financial IC card 400 (and / or the financial IC card 400) is authenticated. A predetermined financial instrument identifier is read from the financial IC card 400, and the read financial instrument identifier is provided to the full text generation unit 5040.

In addition, the information reading unit 5030 checks the ledger interlocking information for identifying a predetermined ledger server 4300 corresponding to the organization that issued the financial IC card 400 from the financial IC card 400, the validity of the authentication; The read ledger interlocking information is provided to the information checking unit 5035.

The information checking unit 5035 reads the read ledger interlocking information and provides a ledger-based financial transaction service according to the present invention to the third institution IC card terminal 300. Characterized in that the check.

According to an embodiment of the present invention, the ledger interworking information is at least one or more financial means information (eg, customer finance) corresponding to the electronic bank account storage information in the third institution IC card terminal 300 through at least one or more communication networks. Preferably includes address information for accessing the ledger server 4300 having the financial account information and / or bank account information included in the account ledger corresponding to the account, and the address information included in the ledger interworking information. The address system of follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and thus the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for checking the ledger server 4300 having bank account information), and the code information (or number) included in the ledger interworking information is a bank code. (Eg 01: Bank of Korea, 02: Korea Development Bank, 03: Small Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06: Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Korea Export-Import Bank) , 09: Kookmin Bank (long-term credit bank), ... etc.).

When a predetermined ledger server 4300 capable of providing the ledger-based financial transaction service according to the present invention is confirmed by the information checking unit 5035, the full text generation unit 5040 is the information reading unit 5030. Generate a predetermined financial instrument information request message including a financial instrument identifier read from the IC card, wherein the financial instrument information request telegram is in addition to the financial instrument identifier; Third institution IC card terminal 300 address information and / or the third institution IC card terminal 300 ID information and / or the third institution IC card terminal 300 administrator (or operator) information corresponding to It may be made including at least one, the third institution IC card terminal 300 address information and / or the third institution IC card terminal 300 ID information and / or the third institution IC card terminal 300 Administrator (or User) information and the like are preferably extracted from the financial transaction information stored in the memory unit 5060 of the third party, the IC card terminal 300.

The specialized processing unit 5045 transmits the generated financial means information request full text through the communication unit 4455 to the ledger server 4300 corresponding to the ledger interworking information. The ledger server 4300 Waits for the financial instrument information telegram including at least one financial instrument information corresponding to the ledger-based financial IC card 400 to be received.

If a financial instrument information telegram including at least one financial instrument information corresponding to the ledger-based financial IC card 400 is received, the specialized processing unit 5045 may include at least one of the financial instrument information telegrams. Extracting financial means information and outputting an interface screen for selecting a predetermined financial transaction financial means from the extracted at least one financial means information through the screen output unit 4410, wherein the key The input unit 5015 waits for a predetermined financial transaction financial means to be selected from at least one financial means included in the interface screen.

If a predetermined financial transaction financial means is selected from among at least one financial means included in the interface screen, the specialized processor 5045 may include a predetermined financial transaction among at least one financial transaction that can be processed through the financial transaction financial means. An interface screen for selecting a transaction is output through the screen output unit 4410, and a predetermined financial transaction is selected from at least one financial transaction included in the interface screen through the key input unit 5015. Wait for that.

If a predetermined financial transaction among at least one financial transaction included in the interface screen is selected, the specialized processor 5045 outputs the interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And output the financial transaction information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 5015 through the key input unit 5015. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial means and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 5050 is the financial transaction financial. Information on the withdrawal amount to be withdrawn from the Sudan, the deposit account number to which the withdrawal amount is transferred and deposited, the financial instrument password for the financial transaction, the account transfer password, and a security card corresponding to the financial instrument for the financial transaction; It comprises at least one predetermined security card number of the plurality of security card numbers.

If the financial transaction information input is completed, the specialized processor 5045 provides the financial transaction information and the input at least one financial transaction information to the specialized generator 5040.

The full text generation unit 5040 generates a full text financial transaction request message including the financial means financial means information and the input at least one financial transaction information, and the generated full text financial transaction request message 5050 To provide.

The specialized processing unit 5045 transmits the generated financial transaction request message to the ledger server 4300, wherein the financial transaction information and the input at least one input from the ledger server 4300. Waiting for the predetermined financial transaction text including the predetermined financial transaction history information corresponding to the financial transaction information is received.

If a predetermined financial transaction text message including the financial transaction history information is received, the specialized processor 5045 extracts the financial transaction history information included in the received financial transaction text message, and extracts the extracted financial transaction history information. It is characterized in that the output through the screen output unit 4410.

According to the method of the present invention, the received financial transaction telegram may further include at least one recent financial transaction history, in addition to the financial transaction information and the financial transaction history information corresponding to the financial transaction information. In this case, the specialized processor 5045 may further include the received at least one recent financial transaction history through the screen output unit 4410.

In addition, the specialized processing unit 5045 preferably stores the financial transaction history information extracted from the received financial transaction text in the memory unit 5060 for a predetermined period of time, whereby various additional services such as canceling a previous transaction. Can be easily provided.

In order to transfer the financial means between the financial IC card 400 and the ledger according to the present invention, the information processing unit 4440 is a financial means between the financial IC card 400 and the ledger to the financial transaction received from the ledger server 4300 And receiving customer approval request information for transfer, in this case outputting customer approval request information for transfer of financial means between the financial IC card 400 and the ledger through the screen output unit 4410. It is characterized by.

Thereafter, the information input unit 5050 may receive financial instrument transfer approval information corresponding to the customer approval request information through the key input unit 5015.

If the financial instrument transfer approval information is input through the information input unit 5050, the information processing unit 4440 may include a predetermined financial instrument transfer server 4355 (or a ledger server 4300) including the financial instrument transfer approval information. ), And also receives financial instrument transfer processing information for transferring the financial instrument between the financial IC card 400 and the ledger from the financial instrument transfer server 4355 (or ledger server 4300). Characterized in that.

According to one embodiment of the invention, the financial instrument transfer approval information and the financial instrument transfer processing information is preferably transmitted and received in a predetermined form.

According to another exemplary embodiment of the present invention, the financial instrument transfer approval information and the financial instrument transfer processing information correspond to the institution operating the third institution IC card terminal 300 and / or the financial IC card 400. It is preferable to transmit and receive in the form of traffic data corresponding to the communication protocol standard defined by the organization managing the ledger.

According to the implementation method of the present invention, the financial instrument transfer approval information is confidentiality that the customer who issued the financial IC card 400 approved the financial instrument transfer between the financial IC card 400 and the ledger according to the present invention, It is desirable to include information to ensure authentication, integrity and nonrepudiation.

For example, the financial instrument transfer approval information may include a validity verification result confirmed through a PIN corresponding to the financial IC card 400, and / or a predetermined password (eg, provided on the ledger). Account password, or a financial instrument transfer approval password).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance), and / or financial means information that can be stored in IC card storage information (e.g., electronic bank account storage information) provided in the IC card. (For example, financial account information and / or bank account information included in the account ledger corresponding to the customer financial account), and the present invention is not limited thereto.

When the financial instrument transfer processing information for transferring the financial instrument between the financial IC card 400 and the ledger is received from the financial instrument transfer server 4355 (or the ledger server 4300), the information recording unit 5055 is provided with the financial instrument. The financial IC card 400 side transfer target financial means information (at least one or more financial means information to be transferred to the ledger from the financial IC card 400) included in the means transfer processing information, and the financial IC card ( And the financial means information corresponding to the identified financial IC card 400 transfer target financial means information from 400.

If there is no financial instrument information to transfer from the financial IC card 400 to the ledger, and / or financial instrument information to transfer from the financial IC card 400 to the ledger is transferred from the financial IC card 400. When deleted, the information recording unit 5055 checks the ledger-side transfer target financial means information (at least one or more financial means information to be transferred to the financial IC card 400 on the ledger) included in the financial instrument transfer processing information. And, characterized in that the ledger-side transfer target financial means information is recorded in the financial IC card (400).

Hereinafter, in the financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution through FIGS. 51, 52, 53 and 54 and 55, the financial means shown in FIG. 43 are transferred. A preferred embodiment for performing the financial instrument transfer procedure according to the present invention in conjunction with the card reader 5005, 4300 in the server 4355 will be described.

However, the financial instrument transfer procedure according to the present invention is not always performed only in the financial transaction process, and if the person of ordinary skill in the technical field to which the present invention belongs, the financial instrument transfer process according to the present invention in addition to the financial transaction process is It will be possible to infer various implementation methods performed, and the present invention includes all implementation methods inferred.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may use the financial instrument transfer policy (or condition) information in the financial instrument transfer server 4355 shown in FIG. Read the transaction history information to confirm whether the transfer of the financial means according to the present invention, and when the result of the check is confirmed that the transfer of the financial means, the financial means transfer server 4355 from the financial IC card 400 to the customer communication means After providing the customer approval request information for transferring the financial means, receiving financial means transfer approval information corresponding to the customer approval request information from the customer communication means, and generates predetermined financial means transfer processing information to generate the financial IC By providing the card 400 to the third institution IC card terminal 300 currently used by the customer, it is possible to infer an implementation method of transferring the financial means. Could be.

In addition, if those of ordinary skill in the art to which the present invention pertains, in addition to the embodiment shown below, the financial instrument transfer policy (or condition) information in the financial instrument transfer server 4355 shown in FIG. Read the transaction history information to confirm whether the financial means transfer according to the present invention, and if the result of the check is confirmed that the transfer of the financial means, the financial means transfer server 4355 from the financial IC card 400 to the customer communication means After providing the customer approval request information for the financial means transfer, receiving and storing the financial means transfer approval information corresponding to the customer approval request information from the customer communication means, the financial IC card 400 customer In the financial transaction process using the third institution IC card terminal 300, the third institution IC car is generated by generating predetermined financial means transfer processing information without a customer approval procedure. By providing to the terminal 300, it will be able to infer the exemplary method of transferring the financial instruments.

51 is a view showing the operation of the third institution IC card terminal 300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 51 shows the ledger server 4300 in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. The operation process of the third institution IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the), specifically with the ledger-based financial IC card 400 according to the present invention After inserting the associated IC card into the third institution IC card terminal 300 shown in FIG. T, the third institution IC card terminal 300 performs a financial transaction using the ledger-based financial IC card 400. It shows an implementation method for the process of starting.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 51 to perform financial transactions using the ledger-based financial IC card 400 in the third institution IC card terminal 300. Various embodiments of the present invention may be inferred, but the present invention includes all of the inferred embodiments, and is not limited to the embodiments shown in FIG.

For example, in FIG. 51, the operation mode checking process and the validity authentication process of the third institution IC card terminal 300 may be reversed, and the validity authentication process may be performed in accordance with the intention of the person skilled in the art in addition to the validity authentication using the PIN. It may be replaced by validity authentication using biometric information.

In the following Figure 51, the third engine IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 51, the terminal equipped with the financial transaction function using the ledger-based financial IC card 400 according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (5100). When a predetermined IC card is inserted through the IC card reader (5105), the terminal performs an initialization procedure for the financial IC card 400 through the IC card reader (5110).

Those skilled in the art will be familiar with the technical features of the IC card initialization procedure, so a detailed description thereof will be omitted for convenience.

If the initialization procedure for the financial IUC card is completed through the IC card reader (5115), the terminal outputs a validity authentication interface screen (eg, a screen requesting to input a predetermined PIN) using a predetermined PIN. A predetermined PIN is input through the validity authentication interface screen to check whether validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated 5125). .

If the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is not authenticated (5130), the terminal outputs a predetermined validity authentication error message ( 5135), the financial transaction procedure using the ledger-based financial IC card 400 is terminated.

On the other hand, if the validity of the financial IC card 400 (and / or at least one or more financial means associated with the financial IC card 400 is authenticated (5130), the terminal receives a predetermined financial means identifier and / or from the IC card. Or a predetermined ledger server 4300 (for example, the financial IC card 400) for reading the ledger interlocking information (5140) and reading the read ledger interlocking information to provide the ledger-based financial transaction service according to the present invention. The financial server and / or the financial system 3500 corresponding to the issuing organization are identified (5145).

According to an exemplary embodiment of the present invention, the ledger interworking information may include at least one financial means information (eg, a customer financial account) corresponding to the electronic bank account storage information in at least one communication network in the third institution IC card terminal 300. Preferably includes address information for accessing the ledger server 4300 having the financial account information and / or the bank account information included in the account ledger corresponding to the data of the address information included in the ledger interworking information. The address system follows the address system defined on the communication network to which the third institution IC card terminal 300 is connected, and the present invention is not limited thereto.

The ledger interworking information may include at least one financial means information corresponding to the electronic bank account storage information (eg, financial account information included in an account ledger corresponding to a customer financial account) in the third institution IC card terminal 300. And / or predetermined code information (or number) for checking the ledger server 4300 having bank account information), and the code information (or number) included in the ledger interworking information is a bank code. (Eg 01: Bank of Korea, 02: Korea Development Bank, 03: Small Business Bank, 04: Kookmin Bank, 05: Korea Exchange Bank, 06: Kookmin Bank (Housing Bank), 07: Fisheries Cooperative, 08: Korea Export-Import Bank) , 09: Kookmin Bank (long-term credit bank), ... etc.).

If the ledger server 4300 is not confirmed (5150), the terminal outputs a predetermined ledger server 4300 confirmation error message (5155), and the financial transaction procedure using the ledger-based financial IC card 400 Quit.

If the ledger server 4300 is confirmed (5150), the terminal generates a predetermined financial instrument information request message including the read financial instrument identifier (5160).

According to another embodiment of the present invention, when all the financial IC card 400 operates on the ledger basis, the financial instrument identifier may be omitted in the full financial instrument information request, and thus, the present invention is not limited thereto.

Thereafter, the terminal checks whether a communication channel is connected to the ledger server 4300 that will transmit and receive the full financial instrument information request message through the communication network (5165).

If a communication channel capable of transmitting and receiving the financial instrument information request message is not connected between the terminal and the ledger server 4300 (5170), the terminal communicates with the ledger server 4300 and the financial means through the communication network. A predetermined communication channel capable of transmitting and receiving the information request message is connected (5175).

On the other hand, if the communication channel capable of transmitting and receiving the financial instrument information request message between the terminal and the ledger server 4300 is already connected (5170) or is connected through a communication channel connection procedure (5175), the terminal is Sending the full financial instrument information request message to the ledger server 4300 through the communication channel (5180), the ledger server 4300 includes at least one financial instrument information to the terminal through the process as shown in FIG. To transfer the full text of financial instruments information.

52 is a view showing the operation of the ledger server 4300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 52 shows the ledger server 4300 in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. The operation of the ledger server 4300 for the process of performing the financial instrument transfer procedure according to the present invention in conjunction with the), specifically, the ledger that has received the full financial instrument information request through the process as shown in FIG. In the server 4300, at least one financial means corresponding to the ledger-based financial IC card 400 is identified and based on the financial instrument identifier (or IC card unique information) included in the full financial instrument information request. Generating a predetermined financial instrument information full text including at least one financial instrument information corresponding to the identified financial account and transmitting the predetermined financial instrument information to the third institution IC card terminal 300 It shows a method during.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 52 to convert the financial instrument identifier (or IC card unique information) included in the financial instrument information request text in the ledger. Identify at least one financial instrument corresponding to the ledger-based financial IC card 400 and generate a predetermined financial instrument information text including at least one financial instrument information corresponding to the identified financial account. It will be possible to infer various implementation methods for transmitting to the three-institution IC card terminal 300, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the drawing, the third institution IC card terminal 300 is referred to as " terminal " for convenience, and the ledger server 4300 is referred to as " server " for convenience.

Referring to FIG. 52, the ledger server 4300 equipped with a financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full financial instrument information request message from at least one terminal through the communication network. Periodically checks whether the full financial instrument information request message is received from a predetermined terminal (5205), and the server reads the full financial instrument information request telegram to determine a predetermined financial instrument identifier (or IC card). Unique information) and retrieves the ledger D / B 3430 based on the extracted financial instrument identifier (or IC card unique information), thereby extracting the extracted information from the ledger D / B 3430. At least one ledger information matching the financial instrument identifier (or IC card unique information) is retrieved (5215).

If at least one ledger information that matches the extracted financial instrument identifier (or IC card unique information) is retrieved from the ledger D / B 3430 (5220), the server from the ledger D / B 3430 Extract at least one financial instrument information (for example, financial instrument information corresponding to the ledger-based financial IC card 400 according to the present invention) matching the financial instrument identifier (or IC card unique information); The predetermined financial instrument information full text including the extracted at least one financial instrument information is generated (5230).

At this time, the financial instrument transfer server 4355 shown in FIG. 43 corresponds to the financial IC card 400 based on the financial instrument transfer policy (or condition) information stored in the policy D / B 4350. By reading at least one period of time or monthly / quarterly transaction history information, transfer of at least one financial instrument (e.g., the financial instrument of the financial IC card 400 is transferred to the ledger and / or to the ledger). It is checked whether the provided financial means is transferred to the financial IC card 400 (5235).

If the transfer of the financial instrument is not confirmed (5240), the server transmits the generated financial instrument information telegram to the terminal through the communication network (5255).

On the other hand, if at least one financial instrument transfer is not confirmed (5240), the financial instrument transfer server 4355 generates predetermined customer approval request information and provides it to the server (5245). After including the customer approval request information in the financial means information telegram (5250), the financial instrument information telegram is transmitted to the terminal through the communication network (5255).

53 is a diagram illustrating an operation process of the third institution IC card terminal 300 for financial transaction processing using the ledger-based financial IC card 400 according to the embodiment of the present invention.

More specifically, FIG. 53 illustrates the ledger server 4300 in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. The operation process of the third institution IC card terminal 300 for the process of performing the transfer of the financial instrument according to the present invention in conjunction with the), specifically, the full financial instrument information through the process as shown in FIG. Receiving the third institution IC card terminal 300, the financial transaction using the ledger-based financial IC card 400 according to the present invention based on at least one or more financial means information contained in the financial instrument information full text The method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 53 and include at least one financial means included in the full financial instrument information in the third institution IC card terminal 300. Based on the information, various implementation methods for processing a financial transaction using the ledger-based financial IC card 400 according to the present invention may be inferred. However, the present invention includes all the inferred implementation methods, It is not limited only to the implementation method shown.

In the following Figure 53, the third engine IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 53, the terminal transmitting the full financial instrument information request message to the ledger server 4300 through the process illustrated in FIG. 51 may correspond to at least one of the full financial instrument information request telegrams from the ledger server 4300. Waiting for the predetermined financial instrument information text including one or more financial instrument information to be received (5300), and if at least one financial instrument information from the ledger server 4300 through the process shown in FIG. When a predetermined financial instrument information telegram is received (5305), the terminal extracts at least one financial instrument information included in the financial instrument information telegraph, and the financial information for a predetermined financial transaction among the extracted at least one financial instrument information Output a predetermined financial instrument selection interface screen for selecting a means (5310), and through the financial instrument selection interface screen It is checked whether a financial means for a predetermined financial transaction is selected (5315).

If a predetermined financial transaction financial means is selected through the financial means selection interface screen (5320), the terminal selects a predetermined financial transaction among at least one financial transaction that can be processed in response to the selected financial transaction financial means. A predetermined financial transaction selection interface screen is output (5325), and the predetermined financial transaction to be processed through the financial means for financial transaction is selected through the financial transaction interface screen (5330).

If a predetermined financial transaction to be processed through the financial transaction financial means is selected through the financial transaction selection interface screen (5335), the terminal corresponds to at least a predetermined financial transaction to be processed through the financial transaction financial means. Outputting a financial transaction information input interface screen for inputting one or more financial transaction information (5340), and at least one corresponding to a predetermined financial transaction to be processed through the financial transaction financial means through the financial transaction information input interface screen; Check whether financial transaction information is input (5345).

If all financial transaction information corresponding to a predetermined financial transaction to be processed through the financial transaction financial means is input (5350), the terminal may input the financial transaction information and the input at least one financial transaction information. A full financial transaction request message is generated (5355).

Thereafter, the terminal checks whether the received financial instrument information text includes predetermined customer approval request information (5360).

According to another exemplary embodiment of the present disclosure, the method may include verifying that the customer approval request information is included in the full financial instrument information, and / or receiving financial instrument transfer approval information corresponding to the customer approval request information. It may be performed before the full financial transaction request is generated, and thus the present invention is not limited thereto.

If the financial instrument information message does not include predetermined customer approval request information (5365), the terminal transmits the generated financial transaction request message to the ledger server 4300 through the communication network (5385).

On the other hand, if the financial instrument information preamble includes predetermined customer approval request information (5365), the terminal receives predetermined financial instrument transfer approval information for inputting predetermined financial instrument transfer approval information corresponding to the customer approval request information. The input interface is output, and it is checked whether predetermined financial instrument transfer approval information is input through the predetermined key input means (5370).

If predetermined financial instrument transfer approval information is input through the financial instrument transfer approval information input interface (5375), the terminal includes the financial instrument transfer approval information in the full text of the financial transaction request (5380). The request message is transmitted to the ledger server 4300 through the communication network (5385).

54 is a diagram illustrating an operation process of the ledger server 4300 for financial transactions using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 54 shows the ledger server 4300 in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. The operation of the ledger server 4300 for the process of performing the financial means transfer procedure according to the present invention in conjunction with the), specifically, the ledger server that has received the full financial transaction request through the process as shown in Figure 53 In operation 4300, a financial transaction corresponding to the financial transaction information is processed through the financial transaction financial means based on the financial transaction information and at least one financial transaction information included in the financial transaction request. The implementation method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 54 and at least one of the financial means information for financial transactions included in the financial transaction request in the ledger server 4300. Based on the above financial transaction information, various implementation methods for processing a financial transaction corresponding to the financial transaction information may be inferred through the financial means for financial transaction, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

In the drawing 54, the third institution IC card terminal 300 is referred to as "terminal" for convenience, and the ledger server 4300 is referred to as "server" for convenience.

Referring to FIG. 54, if the ledger server 4300 equipped with the financial transaction processing function using the ledger-based financial IC card 400 according to the present invention receives the full text of the financial transaction request from at least one terminal through the communication network, If it is periodically checked whether or not (5400), and if the financial transaction request message is received from a predetermined terminal (5405), the server reads the financial transaction request message to the predetermined financial means financial means information and at least one or more Extracts financial transaction information (5410), interlocks with the ledger D / B 3430 based on the extracted financial transaction information and at least one financial transaction information, and executes the financial transaction through the financial transaction financial means; A financial transaction corresponding to the transaction information is processed (5415).

If a financial transaction corresponding to the financial transaction information is processed through the financial means for financial transaction (5420), the server generates predetermined financial transaction detail information including the financial transaction processing result (5425) and generates the financial transaction. The financial transaction history information linked to the account ledger corresponding to the financial means for financial transactions of the ledger D / B 3430, and storing (5430) a predetermined financial transaction message including the financial transaction history information. Generate (5435).

Thereafter, the server checks whether the financial transaction request message includes predetermined financial instrument transfer approval information (5440).

According to another exemplary embodiment of the present invention, the method may further include determining whether the financial instrument transfer approval information is included in the preamble of the financial transaction request, and / or generating predetermined financial instrument transfer processing information corresponding to the financial instrument transfer approval information. The step may be performed before the full financial transaction is generated, whereby the present invention is not limited.

If the financial transaction request message does not include predetermined financial instrument transfer approval information (5445), the server transmits the financial transaction message to the terminal through the communication network (5495).

If the financial transaction request message includes predetermined financial instrument transfer approval information (5445), the server provides the financial instrument transfer approval information (5450) to the financial instrument transfer server 4355, and correspondingly The financial instrument transfer server 4355 checks the validity of the financial instrument transfer approval information (5455).

According to an embodiment of the present invention, the financial instrument transfer approval information is a predetermined symmetric key method (eg, a method of verifying validity by checking whether the financial instrument transfer approval information is compared with a predetermined information provided on the server side and matching). In the case of including the password form of (), the server checks the validity of the financial instrument transfer approval information by the symmetric key method.

According to another exemplary embodiment of the present invention, when the financial instrument transfer approval information is encrypted, the server verifies the validity of the financial instrument transfer approval information by decrypting the financial instrument transfer approval information.

If the validity of the financial instrument transfer approval information is not authenticated (5460), the financial instrument transfer server 4355 generates predetermined financial instrument transfer error information and provides it to the server (5465). After including the financial instrument transfer error information in the financial transaction message (5470), the financial transaction message is transmitted to the terminal through the communication network (5495).

On the other hand, if the validity of the financial instrument transfer approval information is authenticated (5460), the financial instrument transfer server 4355 generates the financial instrument transfer processing information corresponding to the validity authentication result (5475).

According to an embodiment of the present invention, the financial instrument transfer processing information includes at least one financial IC card 400 transfer target financial instrument information to be transferred from the financial IC card 400 to the ledger, and the financial instrument transfer information on the ledger. It is preferable to include at least one ledger-side transfer target financial means information to be transferred to the financial IC card 400.

Here, the financial IC card 400 side transfer target financial means information is the financial means information (for example, the financial account information and / or included in the account ledger corresponding to the customer financial account provided in the financial IC card 400) It is preferable to include a list of bankbook information).

In addition, the ledger-side transfer target financial means information is the financial means information to be recorded in the financial IC card 400 for transfer between the financial IC card 400 and the ledger according to the present invention (for example, corresponding to the customer financial account It is preferable to include financial account information and / or bank account information included in the account ledger, the financial means information to be recorded on the financial IC card 400 is a predetermined IC card storage information (for example, financial IC card 400) A card application capable of post issuance) and / or financial means that can be stored in IC card storage information (e.g., electronic bank account storage information) already provided in the IC card. Information (eg, financial account information and / or bank account information included in the account ledger corresponding to the customer's financial account) may be all in the form, and the present invention is not limited thereto.

Thereafter, the financial instrument transfer server 4355 changes the ledger information corresponding to the financial instrument transfer processing information in association with the financial system (5480).

According to the method of the present invention, the financial instrument transfer server 4355 is connected with the financial system to the financial IC card 400 side transfer target financial instrument information included in the financial instrument transfer processing information. Delete / erased and / or deactivated financial instrument identifiers included in

In addition, the financial instrument transfer server 4355 adds / includes the financial instrument identifier on the ledger corresponding to the ledger-side transfer target financial instrument information included in the financial instrument transfer processing information in association with the financial system. , And / or deactivate.

According to another exemplary embodiment of the present invention, the process of processing the ledger information change corresponding to the financial instrument transfer processing information in connection with the financial system in the financial instrument transfer server 4355 may include: After receiving the information recording result corresponding to the financial instrument transfer processing information from 300, it may be performed, whereby the present invention is not limited.

Thereafter, the financial instrument transfer server 4355 provides the financial instrument transfer processing information to the server (5485), and in response, the server includes the financial instrument transfer processing information in the financial transaction text (5490). In step 5495, the financial transaction message is transmitted to the terminal through the communication network.

55 is a diagram illustrating an operation process of the third institution IC card terminal 300 for completing a financial transaction using the ledger-based financial IC card 400 according to the embodiment of the present invention.

In more detail, FIG. 55 shows the ledger server 4300 in the financial means transfer server 4355 shown in FIG. 43 during a financial transaction using a predetermined third institution IC card terminal 300 operated by the third institution. The operation process of the third institution IC card terminal 300 for the process of performing the transfer of the financial means according to the present invention in conjunction with the), specifically receiving the full text of the financial transaction through the process as shown in FIG. In the third institution IC card terminal 300, a method for completing a financial transaction using the ledger-based financial IC card 400 according to the present invention based on at least one financial transaction history information included in the full text of the financial transaction It is shown.

Those skilled in the art to which the present invention pertains, at least one or more financial transaction history information contained in the full text of the financial transaction in the third institution IC card terminal 300 by referring to and / or modified in this figure 55 Based on the present invention, various implementation methods for completing financial transactions using the ledger-based financial IC card 400 according to the present invention may be inferred. However, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implemented method.

In the following Figure 55, the third engine IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 55, the terminal that transmits the financial transaction request telegram to the ledger server 4300 through the process illustrated in FIG. 53 may include at least one or more corresponding to the financial transaction request telegram from the ledger server 4300. Waiting for a predetermined financial transaction text including financial transaction history information is received (5500), and if the predetermined financial including the financial transaction processing result from the ledger server 4300 through the process shown in Figure 54 When a predetermined financial transaction text including transaction history information is received (5505), the terminal reads the financial transaction text and outputs the financial transaction history information included in the financial transaction text on the terminal screen, and / Alternatively, the financial transaction history information is stored in the memory unit 5060 (5510).

Thereafter, the terminal checks whether the financial transaction processing information is included in the financial transaction text (5515).

If the financial transaction message does not include the financial means processing information (5520), the terminal prints and outputs the financial transaction history information included in the financial transaction message through a predetermined printing device (5525). Complete the financial transaction using the ledger-based financial IC card 400 according to the invention.

On the other hand, if the financial transaction includes the financial means processing information (5520), the terminal of the financial means provided in the financial IC card 400, the financial IC card 400 side included in the financial instrument transfer processing information The financial instrument corresponding to the transfer target financial instrument information is deleted (5530).

If the financial IC card 400 side transfer target financial means information is deleted (5535), the terminal corresponds to the ledger side transfer target financial means information included in the financial instrument transfer processing information on the financial IC card 400. Record the means of finance (5540).

If the ledger-side transfer target financial instrument information is recorded (5545), the terminal outputs the financial instrument transfer result on the screen (5550), the financial transaction history contained in the full text of the financial transaction through a predetermined printing device By printing and outputting the information and the financial instrument transfer result (5555), the financial transaction and financial instrument transfer process using the ledger-based financial IC card 400 according to the present invention is completed.

According to the present invention, the financial transaction means information of the customer is separately stored on the IC chip and the host server in the customer IC card, and periodically the financial transaction means stored in the IC chip in the IC card and the financing stored on the host server Checking the usage rate or the number of times of use of the transaction means, according to the result of the check, transfer the financial transaction means information having a low utilization rate or the number of use of the financial transaction means information stored in the IC chip in the IC card to the host server, the host In the case where at least one financial transaction (or electronic payment) through the IC card is added by transferring the financial transaction means information having high utilization rate or frequency of use among the financial transaction means information stored on the server to the IC chip in the IC card. The card must be equipped with a card application corresponding to the added financial transaction (or electronic payment) You can solve the ease, and may also, to solve the problem that the IC card production cost is raised to a high capacity of memory mounted for the card with additional applications.

Claims (7)

Information storage / management means for storing and managing customer financial transaction means information, which cannot be stored on the IC chip in the customer IC card, on the host server; Information checking means for periodically checking the use of the financial transaction means of the customer to confirm the utilization rate or the number of times of the financial transaction means stored in the IC chip in the IC card and the financial transaction means stored on the host server; And Information processing means for transferring the financial transaction means information stored in the IC chip in the IC card to the host server and transferring the financial transaction means information stored on the host server to the IC chip in the IC card according to the confirmation result; IC card storage information exchange system, characterized in that comprises a. When the information on the financial transaction means of the customer is separately stored on the IC chip and the host server in the customer IC card, the financial transaction means stored on the IC chip in the IC card is periodically checked by checking the usage history of the customer. Information checking means for checking a utilization rate or a frequency of use of the financial transaction means stored on the host server; And According to the result of the check, the financial transaction means information of the financial transaction means information stored in the IC chip in the IC card or the number of times of use is transferred to the host server, the utilization rate of the financial transaction means information stored on the host server or And information processing means for transferring the financial transaction means information having a high frequency of use to the IC chip in the IC card. The method of claim 1 or 2, wherein the customer financial transaction means information, An IC card storage information exchange system, comprising at least one of electronic bankbook information, account information, card information, and electronic money information. A recording medium comprising a program for executing a function of the system constituting means of claim 1 or 2. An information storing step of separately storing the financial transaction means information of the customer in the predetermined information storing means on the IC chip and the host server in the customer IC card; An information checking step of periodically checking, by predetermined information checking means, a utilization rate or a frequency of use of the financial transaction means stored in the IC chip in the IC card and the financial transaction means stored on the host server; And In accordance with the result of the check in a predetermined information processing means, the financial transaction means information having a low utilization rate or the frequency of use among the financial transaction means information stored in the IC chip in the IC card is transferred to the host server, and the finance stored on the host server. And an information exchange step of transferring the financial transaction means information having a high utilization rate or use frequency among the transaction means information to the IC chip in the IC card. The method of claim 1, wherein the information exchange step, A financial transaction means stored in the host server and transmitting a command for deleting the financial transaction means information transferred from the information processing means to the host server among the financial transaction means information stored in the IC chip in the IC card from a terminal connected to the IC card. And transmitting the financial transaction means information to be transferred to the IC chip among the information. The method of claim 1, wherein the customer financial transaction means information, An electronic card storage information exchange method comprising at least one of electronic bank account information, account information, card information, and electronic money information.

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