KR20080096857A - Apparatus, system, method and computer program recorded medium for providing electronic wallet service - Google Patents

Abstract

An apparatus for providing electronic wallet service is provided to connect to a plurality of banking company servers using a program combined with the electronic wallet, thereby providing integrated management system for financial information, and performing financial transaction rapidly. An electronic wallet apparatus(100) comprises a flash memory unit(110), a smart card(160), and a USB device. The electronic wallet apparatus manages and stores a user's various information by driving an electronic wallet program(130). A wired/wireless communication network provides the wire/wireless communication pathway. A user terminal is connected to the electronic wallet apparatus through equipped USB port, and provides the financial service via wired and wireless network. One or more banking facility's servers performs the issuance and registration of the electronic wallet apparatus, and authentication and the function of issuing, and the electronic wallet apparatus connect the electronic wallet apparatus with newly to user through wired and wireless network, after it authenticates the electronic wallet apparatus, provides the financial service.

Description

Apparatus, System, Method and Computer Program Recorded Medium for Providing Electronic Wallet Service}

1 is a view for explaining an electronic wallet device according to a preferred embodiment of the present invention,

2 is a view showing an embodiment of an electronic wallet system for providing a financial service using the electronic wallet device of the present invention,

3 is a view for explaining the registration and issuance of the electronic wallet device for electronic wallet service according to a preferred embodiment of the present invention,

4 is a view illustrating a process of providing a financial service through an electronic wallet service in a financial institution server according to an embodiment of the present invention;

5 is a view for explaining the connection and disconnection between the electronic wallet device and the user terminal according to an embodiment of the present invention,

 6 is a diagram illustrating a process of providing a financial service by an electronic wallet program according to an exemplary embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100: electronic wallet device 110: flash memory unit

120: program area 130: electronic wallet program

150: data area 160: smart card unit

180: communication unit 200: electronic wallet system

210: user terminal (computer device) 220: wired and wireless communication network

230: financial institution server 240: financial institution terminal

The present invention relates to an apparatus, a system, a method and a record carrier for providing an electronic wallet service. More specifically, the smart card unit and the flash memory unit are combined, and the electronic wallet device having the USB terminal is connected to a computer device having a USB port, and then a plurality of financial institution servers are operated by running the electronic wallet program mounted on the electronic wallet device. The present invention relates to an electronic wallet system, an apparatus, and a method of implementing the same, characterized in that the financial information of an individual or a company is integrated and managed more securely and conveniently.

Electronic financial transactions using the Internet are evolving to provide users with ease and convenience due to the rapid development of internet technology, technical improvement of internet security programs, and efforts to improve customer service of each financial institution.

Recently, all financial institutions have introduced user authentication based on accredited certificates, and have secured a certain level of safety and reliability in electronic banking or electronic commerce by using encryption and digital signature between server and user computer using public key method. The certificate stored in the form of a file on the hard disk or auxiliary storage device can be easily copied or taken over electronically. As a supplementary method, a security card with dozens of passwords written by customers depending on the financial institution or one-time password generator for transactions Also provide.

These methods are not only very cumbersome from the user's point of view, but also have a problem in that the order and method applied to each financial institution are different, which causes a lot of confusion for the user.

Therefore, it is difficult for an individual or a company to manage and trade accounts scattered among various financial institutions.

For example, in order to transfer funds through Bank A's internet banking, the certificate and certificate password, electronic financial ID and password, withdrawal account number, withdrawal account password, deposit account number, security card and security card password, transfer password, It requires a one-time password, etc. In the end, transactions of bank A must remember many security measures and passwords, and in case of transactions with multiple banks, the security measures and passwords to remember are more. It is a reality that increases.

In addition, there is also the inconvenience of having to hold a number of certificates, security cards, one-time password generator, etc. according to each financial institution.

Conventionally, in order to use Internet banking in offices, homes or other places, there is a case where the official certificate of each financial institution is stored and carried on a USB memory device, but the certificate stored in the form of a simple file is lost or owned. It is possible to copy without notice.

In addition, by adding a simple program to a simple USB memory device, there is an attempt to conveniently store Internet certificates and login IDs and passwords, but it is basically based on HTML (Hyper Text Mark-up Language). This is just a level that automatically inputs the corresponding ID or password into the input window of the web page. In other words, it is not a tightly coupled method with a financial institution server but a method of inputting pre-stored data into a user input window as it is exposed to spyware, thereby revealing many security problems.

In addition, there is a case where a program known as a Personal Finance Management System (PFMS) is conventionally used. Also, by collecting a user's financial information scattered in a plurality of financial institutions by using a previously input ID and password, etc. It helps to manage. However, most of these also apply a screen scraping method that reads or writes a specific part of the HTML screen to provide a simple inquiry function, and this method also exposes various security problems to financial institutions. Scraping will be blocked in the near future, making it difficult to apply.

Recently, there is a case of storing a certificate in a USB token or a smart card as a method of storing a more secure certificate, but it is used only for simple storage due to insufficient application or standardization. to be.

In order to solve the above problems, the present invention, after connecting the electronic wallet device having a USB terminal with a smart card unit and a flash memory unit connected to a computer device having a USB port, the electronic wallet program mounted on the electronic wallet device The purpose of the present invention is to provide an electronic wallet system, an apparatus, and a method for implementing the same, which are connected to a plurality of financial institution servers to manage and manage financial information of an individual or a company and perform more secure and convenient financial transactions. have.

In order to achieve the above object, the present invention, in a system for providing a financial service, comprises a flash memory unit, a smart card unit and a USB terminal, and drive a variety of financial information of the user by operating the provided electronic wallet program An electronic wallet device for managing / storing and providing the financial service; Wired and wireless communication network for providing a wired and wireless communication path; A user terminal connected to the electronic wallet device through a provided USB port and providing the financial service via the wired / wireless communication network; Issuing, registering, and authenticating the electronic wallet device to newly issue the electronic wallet device to the user, when the electronic wallet device is connected through the wired / wireless communication network, after authenticating the electronic wallet device, One or more financial institution servers providing the financial services; And a financial institution terminal providing an interface for issuing and registering the electronic wallet device in association with the financial institution server.

In addition, according to another object of the present invention, in the device for providing a financial service connected to a user terminal having a USB port, the program area and screen data for storing the electronic wallet program for providing the financial service, financial transactions A flash memory unit including a data area for storing data, computer device-specific data, and user setting data; A smart operating system (COS) is equipped with an encryption algorithm including a public key infrastructure (PKI) method and a secret key method, and includes a memory area for storing a user's financial information. Card portion; And it provides an electronic wallet device comprising a USB terminal for connecting with the user terminal.

In addition, according to another object of the present invention, an electronic wallet device for storing the user's financial information, wallet wallet identification number (WIN), personal identification number (PIN) and electronic wallet program, user terminal And a financial institution server, wherein the financial service providing method using the financial institution server comprises: (a) when the electronic wallet program accesses the financial institution server, the financial institution server connects the electronic wallet program. Requesting the electronic wallet unique number to the e-wallet; (b) receiving, by the financial institution server, the financial service request from the electronic wallet program when the electronic wallet unique number is registered; (c) the financial institution server processing the financial service; And (d) informing the electronic wallet device of a result of the processing of the financial service by the financial institution server.

In addition, according to another object of the present invention, in the electronic wallet device for storing the user's financial information, Wallet Identification Number (WIN), Personal Identification Number (PIN) and electronic wallet program, A method of providing a financial service through interworking with a financial institution server in connection with a terminal, the method comprising: (a) identifying the user terminal when the electronic wallet device is connected to the user terminal; (b) the electronic wallet device driving the electronic wallet program suitable for the user terminal and authenticating the user through the personal identification number; (c) upon successful authentication of the user in step (b), the driven electronic wallet program accessing the financial institution server at the request of the user; (d) the electronic wallet program interworking with the financial institution server to perform authentication through the electronic wallet unique number, and requesting the financial service according to the user's request; (e) the electronic wallet program interworking with the financial institution server to process the financial service; And (f) the electronic wallet program receiving a processing result of the financial service from the financial institution server.

In addition, according to another object of the present invention, an electronic wallet program providing a financial service, (a) the function of integrating / storing / managing / searching / deleting / updating the financial information of the user; (b) requesting / processing the financial service by accessing a plurality of financial institution servers using the financial information; (c) a function of performing authentication by transmitting an electronic wallet unique number to the financial institution server; (d) a function of authenticating the user by using a personal identification number; And (e) a function of being connected to a plurality of user terminals to identify the plurality of user terminals and providing the financial services in association with the plurality of user terminals. Provide a recording medium.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is a view for explaining an electronic wallet device according to a preferred embodiment of the present invention.

Electronic wallet device 100 according to a preferred embodiment of the present invention comprises a flash memory unit 110, smart card unit 160 and the communication unit 180, the financial transaction information and financial transactions of individuals or companies Store the electronic wallet program for storing / managing the security data for the flash memory unit 110 and the smart card unit 160 is connected to the communication port of the user terminal through a communication unit 180 of the present invention It is characterized by providing a wallet service.

In this case, the user terminal includes various computer devices, and includes a personal computer (PC) and a personal digital assistant (PDA) capable of accessing a financial institution server through a wired / wireless communication network such as the Internet or an internal network of a financial institution. , Mobile Communication Terminal, Card Payment Terminal, Point Of Sale (POS), Set-Top Box (COS), Cash Dispenser (CD), ATM (ATM: Automatic teller machine), financial automatic devices such as bill acceptor, etc., and USB port, I / O device, and all computer devices with their own arithmetic functions.

In addition, the electronic wallet device 100 of the present invention can be manufactured in the form of a USB memory stick which is a general portable storage device and can be easily and conveniently carried by anyone, and can be mounted on most computers equipped with a USB port. It is possible to use through the interface.

Accordingly, the communication unit 180 of the present invention is preferably implemented in the form of a USB terminal supporting a USB interface, but is not limited thereto. Various wired / wireless communication methods capable of performing communication with a user terminal, for example, It can be implemented by various methods such as a method using a serial port and a parallel communication port of a computer, a method using a wireless communication such as Bluetooth, ZigBee.

The flash memory unit 110 of the present invention includes a program area 120 and a data area 150, and the user terminal 210 recognizes an external disk as an auxiliary memory using a USB interface, and recognizes an electronic wallet program. Mount.

The wallet unique number (WIN) and the personal identification number (PIN) entered by the user are the unique number of the electronic wallet device 100. Input is possible only when initially registering or issuing 100 and is encrypted in the smart card unit 160 and securely stored in the internal memory 164 area.

The electronic wallet unique number (WIN) stored in the electronic wallet device 100 is an electronic wallet through authentication / confirmation with the electronic wallet unique number (WIN) registered in the financial institution server 230 when the user performs a financial service. It is used to authenticate the device 100, the personal identification number (PIN) is used to confirm and authenticate whether the user is a legitimate user when the user accesses the electronic wallet device 100 to the user terminal (210). That is, the electronic wallet program 130 in the electronic wallet device 100 of the present invention operates only when the user inputs the correct personal identification number (PIN).

The self-encrypted internal memory 164 of the smart card unit 160 displays account information, card information, user certificate, and various passwords that the user uses to access each financial institution (or financial service agency) server 230. Once registered in the area, the electronic wallet program 130 uses this data to connect to the financial institution server 230 of each financial institution or to process sequential financial transactions automatically or manually.

The program area 120 of the flash memory unit 110 stores an electronic wallet program 130 for providing an electronic wallet service of the present invention, and the electronic wallet program 130 includes a basic module 132 and an electronic wallet management module. 134, a smart card management module 136, a data processing module 138, an integrated financial management module 140, and a financial transaction processing module 142.

The electronic wallet program 130 of the present invention is connected to the financial institution server 230 of each financial institution (or financial service agency), and stores each of the financial institutions stored in the data area 150 of the flash memory unit 110. Using screen information and financial transaction processing procedures, the same financial services of multiple financial institutions can be processed through the same screen and input procedures according to a user's command. For this purpose, communication with each financial institution server 230 or a separate standardized financial institution server is defined in eXtended Mark-up Language (XML) or electronic wallet system instead of the existing Hyper Text Transfer Protocol (HTTP) method. Use standard full text.

In addition, the electronic wallet program 130 uses a control object for moving screens, icons, and menus for the user interface of the user terminal 210 from the data area 150 of the flash memory unit 110. . Therefore, a screen or menu for automatically or manually recognizing that the user connects to the desired user terminal 210 to access a wired / wireless communication network 220 such as the Internet to process a financial service or to query information of an electronic wallet. A control element for movement is selected and operated in the data area 150.

The basic module 132 is a program module that is initially driven in response to various user terminals (computer devices). That is, the electronic wallet device 100 of the present invention may be recognized or recognized in a computing environment so that the electronic wallet program 130 may be automatically executed according to the type of computer device to which the electronic wallet device 100 of the present invention is connected. It performs the function of recognizing and checks the Personal Identification Number (PIN) of the electronic wallet device 100 serves to activate the program of the next step.

The electronic wallet management module 134 automatically checks the version of the electronic wallet program 130 when the version (Version) of the electronic wallet program 130 is changed through a wired or wireless communication network such as the Internet, and then changes the update. This module updates.

The smart card management module 136 is connected to the processor 162 of the smart card unit 160 through the smart card interface, and stored in a variety of financial information, that is, certificate, account information, card information stored in the smart card unit 160 It is a module that can register, save, delete and search user information and smart card information.

The data processing module 138 manages screen data, transaction and result data, encryption data, various message data, log data for record management, etc., which are required when a user performs a financial transaction through the electronic wallet service of the present invention. This module can be searched.

The integrated financial management module 140 comprehensively manages and outputs financial information of users interspersed with a plurality of financial institutions, and provides various analyzes such as statistical information such as frequency of use, amount of money, and service type for each financial institution. In addition, the user performs financial processing such as collection, money transfer, or the like according to a rule predefined by the user.

Financial transaction processing module 142 is a computer device that the electronic wallet device 100 of the present invention supports a USB interface, that is, a personal computer, personal portable information terminal, mobile communication terminal, card payment terminal, electronic cash register, set-top box Financial transaction processing module of financial institution server in case of using various financial services such as bank transaction, stock transaction, money transaction and electronic commerce to user. This module is connected to process financial transaction requested by user.

The data area 150 of the flash memory unit 110 includes various screen data 152 required for each financial transaction when the electronic wallet device 100 of the present invention is connected to various financial institution servers to provide various financial services. Financial transaction data 154 for storing financial transaction details, processing results and usage history logs, information for identifying various computer devices, and computer device-specific data 156 for storing input / output device information of each computer device, and individuals. It consists of user setting data 158 for storing environment setting information and various user-specified content, etc., and manages and stores a predetermined portion of the flash memory unit 110 in accordance with the stored data.

The remaining area (memory) in addition to the program area 120 and the data area 150 in the flash memory unit 110 of the present invention is a storage means for storing various data (document, image / music / video file, etc.) for the user's convenience. It can be used.

The smart card unit 160 of the present invention includes a smart card chip, and the smart card chip includes an internal memory 164 composed of its own CPU processor 162, RAM, ROM, and EEPROM, an encryption assistant CPU, and an encryption processing module. 166, a data management module 168 for managing data in the internal memory 164, and a communication module 170 for supporting general USB interface communication are microchips composed of one chip.

Therefore, the electronic wallet device 100 of the present invention can perform memory management and encryption by itself without relying on the CPU of the connected user terminal, thereby preventing access from the hacking program of the user terminal, thereby providing high security. Therefore, it is used for storing various information necessary for financial transactions.

The internal memory 164 of the smart card unit 160 stores various financial information of an individual or a company such as financial transaction security related information and personal information such as a certificate, account related information, card related information, security card and one-time password, and the like. It also stores information about the smart card chip itself.

The smart card unit 160 of the electronic wallet device 100 of the present invention is equipped with a chip operating system (COS) to hardware encryption algorithms such as public key infrastructure (PKI) and secret key methods. It is processed by the chip and includes a self-encrypting memory area for storage of certificates and the like. The user terminal 210 such as a computer device recognizes the smart card as a kind of external computer device.

2 is a diagram showing an embodiment of an electronic wallet system for providing a financial service using the electronic wallet device of the present invention.

As shown in Figure 2, the electronic wallet device 100 of the present invention is connected to the user terminal 210 in a variety of communication methods including a USB interface, to the financial institution server 230 through a wired or wireless communication network 220 The user can access the battery wallet service of the present invention to the user, and the user can safely use various financial services through the electronic wallet service.

Electronic wallet system 200 of the present invention includes a variety of user terminal 210, wired and wireless communication network 220, financial institution server 230, financial institution terminal 240 and the electronic wallet device 100 of the present invention. .

The plurality of computer device support means 250 of the electronic wallet device 100 of the present invention is provided to the computer device-specific data 156 and the computer device to enable the electronic wallet device 100 to be used in various user terminals 210. The electronic wallet program 130 automatically recognizes and processes the screen data 152 having a matching screen and control elements.

Multiple financial institution server support means 260 is a method of processing by using the existing web browser or Internet access screen in the electronic wallet program 130 without changing the existing financial institution server 230 and each financial institution server ( The common service of 230) includes a method of using a standard full text using XML, and a method of connecting and forming each type of integrated standard server that connects each financial institution server 230 and provides a standard web service form.

The user setting support means 270 supports the user to set the screen and menu configuration using the financial institution server 230 through the user environment setting (S612), and selects the information provided by the web server of the financial institution. How to subscribe and save financial data to a separate storage device (eg, in a spreadsheet or report format), or to replicate well-defined configuration data. It includes.

The user terminal 210 is connected to the electronic wallet device 100 and the financial institution server 230 of the present invention and provides various financial services via the wired / wireless communication network 220. The user terminal 210 is connected to the financial institution server 230. It includes personal computer, personal portable information terminal, mobile communication terminal, card payment terminal, electronic cash register, set-top box, teller terminal and cash dispenser, ATM, bill acceptor, etc. Includes all computer devices with their own arithmetic capabilities.

In addition, the user terminal 210 may include a USB port 212 connected to the communication unit 180 of the electronic wallet device 100 of the present invention, an input device 214 including a keyboard and a mouse, an output device such as a monitor ( 216) and all computer devices including a self computing device 218 that performs overall management of the user terminal 210 and provides financial services to the user through the electronic wallet program 130 of the electronic wallet device 100. Include.

The input device 214 includes a keyboard, a keypad, a touch screen, and the like, and the output device 216 includes a monitor, a liquid crystal, a touch screen, and the like.

The wired / wireless communication network 220 provides a wired / wireless communication path between the user terminal 210, the financial institution server 230, and the financial institution terminal 240, and the TCP / IP protocol and various services existing in the upper layer, that is, HTTP, As well as general Internet networks including global open computer network structures that provide Telnet, FTP, DNS, SMTP, SNTP, NFS and NIS, as well as high-speed data communications networks such as Wibro or High Speed Downlink Packet Access (HSDPA). It means a network that provides various wired and wireless communication methods.

Financial institution server 230 issuing, registration, authentication, etc. of the electronic wallet device 100 to issue a new electronic wallet device 100 to the user, the electronic wallet device 100 wired and wireless communication network 220 This is a server that authenticates this when accessing through a server, and if successful, provides an electronic wallet service so that various users can use various financial services.

The financial institution terminal 240 is newly issued of the electronic wallet apparatus 100 to a person in charge of the financial institution in order to perform registration of user information for new issuance of the electronic wallet apparatus 100 in conjunction with the financial institution server 230. Provides an interface for

The above-described electronic wallet system 200 is conventionally connected to each financial institution server 230 of the financial institution that the user wants to use, and breaks the way to use the financial services in different ways, the electronic wallet device 100 ) And the electronic wallet program 130 to access a desired computer device (user terminal) anytime, anywhere, to enable integrated financial services through a standardized user interface.

That is, the user can carry the pocket banking to carry the financial service platform itself as well as financial information such as certificates, account numbers, card numbers and passwords necessary for financial transactions by possessing the electronic wallet device 100 of the present invention. It's effective.

In the process to be described later, using the electronic wallet system 200 of Figure 2, Figures 3 to 6 of the registration and issuance of the electronic wallet device 100 of the present invention, authentication, a method of providing a financial service through the electronic wallet service, etc. Explain.

First, the user visits each financial institution in order to use the electronic wallet service of the present invention, applies for the electronic wallet service use, and receives the electronic wallet device 100.

The person in charge of the financial institution confirms the identity of the user by using the user's ID card and supporting documents as shown in FIG. 3 (S310), and the electronic wallet through the electronic wallet registration means 242 on the financial institution terminal 240. The user who will use the service is registered with the financial institution server 230. The electronic wallet issuing officer of the financial institution inputs a new electronic wallet unique number (WIN) newly issued from the financial institution server 230 (S320), and the user directly enters a personal identification number (PIN). Enter (S330).

As such, when the registration procedure of the electronic wallet device 100 is completed by inputting the electronic wallet unique number WIN and the personal identification number PIN, the electronic wallet device 100 of the present invention is issued to the user (S340).

Here, the electronic wallet registration means 242 stores the electronic wallet registration program and the application signed by the user directly. In addition, the electronic wallet device recorder 244 communicates with the financial institution server 230 of the financial institution terminal 240 or the financial institution (or financial service agency), the electronic wallet unique number (WIN) to the electronic wallet apparatus 100. And write it to the internal memory 164 of the smart card unit 160 area of the electronic wallet device 100. Electronic wallet unique number (WIN) is a kind of key value (key value) is used when authenticating the electronic wallet device 100 in the financial institution server 230 in the future.

That is, the query value sent from the financial institution server 230 returns a value calculated by the cryptographic processing module 166 as an answer value using the unique wallet WIN. Even if the wired / wireless communication network 220 between the input / output device of the user terminal 210 or the computer device and the financial institution server 230 including a USB port and an input / output device such as a personal computer and all computer devices having a self-calculation function is hacked. Electronic wallet unique number (WIN) is not leaked.

In addition, the personal identification number (PIN) stored in the smart card unit 160 is input by the user directly through a separate input device connected to the electronic wallet recorder 244 or financial institution terminal 240 so that even the person in charge of the financial institution is unknown. do. In this case, the input personal identification number (PIN) is also used as a means for authenticating a user when driving the electronic wallet device 100 in various future user terminals 210 as a kind of key value. That is, in response to the query value sent from the user terminal 210, the value calculated by the encryption processing module 166 using the personal identification number (PIN) is returned as a response value, between input / output devices of the user terminal 210. Even if the internal packet is hacked, the PIN will not be leaked.

In addition, the financial institution server 230 stores only the electronic wallet unique number (WIN) and user information, and does not store the personal identification number (PIN).

4 is a diagram illustrating a process of providing a financial service through an electronic wallet service according to a preferred embodiment of the present invention.

The financial institution server 230 is connected to the electronic wallet device 100 from the electronic wallet registration means 242 or the user terminal 210 via the wired / wireless communication network 220 (S402), the electronic wallet device 100 Request the electronic wallet unique number (WIN) (S404).

The financial institution server 230 determines whether the electronic wallet device 100 first accesses the financial institution server 230 by using the electronic wallet unique number WIN transmitted from the electronic wallet device 100 (S406). .

When the electronic wallet device 100 is connected to the financial institution server 230 for the first time, the financial institution server 230 may be connected to the electronic wallet registration means 242 of the financial institution terminal 240 to input the electronic wallet unique number ( WIN) is requested to be registered (S408).

Here, the electronic wallet / user authentication means 232 of the financial institution server 230 is a program such as reading the official certificate stored in the electronic wallet device 100 and compare with the user information, or check the password and security card number, etc. Through the authentication of the electronic wallet device 100 and the user through.

In addition, the financial transaction processing means 234 includes a case in which all of the transfer password, the security card number, the certificate are used, or partially simplified according to the existing procedure.

When the electronic wallet device 100 has previously connected to the financial institution server 230, or when the electronic wallet device 100 has been registered for the first time, the financial institution server 230 checks the account and the bank through the electronic wallet device 100 from the user. Before receiving a request for a financial service such as a transfer, the electronic wallet unique number WIN is compared with data registered in the financial institution server 230 (S410). Here, if the electronic wallet unique number (WIN) and the data registered in the financial institution server 230 does not match, check the error conditions such as loss, expiration of use period, damage to the electronic wallet device (100) (S412), error conditions Take a countermeasure in accordance with (S414).

Here, since the electronic wallet unique number (WIN) is not directly input by the user, the possibility of an error due to a wrong input of the user is excluded.

The financial institution server 230 is connected to the user terminal 210 when the authentication of the electronic wallet device 100 is completed through the electronic wallet unique number (WIN), the electronic wallet program driven on the electronic wallet device 100. (130)) from banking operations such as account inquiry, transfer and remittance, deposit and withdrawal transactions in financial automated devices (cash dispensers, ATMs, utility bills, etc.), e-commerce and card payments, securities transactions, etc. After receiving the request of the financial service (S416), after processing / providing the financial service corresponding to the request (S418), the result is notified to the electronic wallet program 130 (S420). At this time, the request of the financial service and the notification of the processing result may be provided in various ways such as the existing method which is transmitted in the form of a web page including HTML or the standard professional method using XML.

5 is a view for explaining the connection and disconnection between the electronic wallet device and the user terminal according to an embodiment of the present invention.

When the communication unit 180 (USB terminal) of the electronic wallet device 100 is connected to the USB port 212 of the user terminal 210, the user terminal 210 of the electronic wallet device 100 through a device manager program or the like. Check the connection (S502).

At this time, the electronic wallet device 100 checks whether the electronic wallet program 130 to be executed is linked with the corresponding user terminal 210 (S504). Here, the process of confirming the electronic wallet program 130 is to determine whether the electronic wallet program 130 necessary for a computer device such as an automatic teller machine is embedded.

If the electronic wallet program 130 to be executed currently does not work with the corresponding user terminal 210, the electronic wallet program 130 searches for the program area 120 of the electronic wallet device 100 and then selects an electronic device suitable for the corresponding computer device (user terminal 210). The wallet program 130 is loaded (S506). When the electronic wallet program 130 to be newly loaded or executed in step S506 is interlocked with the corresponding user terminal 210, the corresponding electronic wallet program 130 is driven (S508).

When the electronic wallet program 130 is driven, a user may receive an electronic wallet service and access various financial institution servers 230 to provide various financial services.

While the battery wallet program 130 is being driven, the electronic wallet device 100 is separated from the user terminal 210 to determine whether the connection is released (S510), and the user disconnects the electronic wallet device 100 from the USB port or communicates. When the connection state is released due to an error or the like, the electronic wallet device 100 ends the driving of the electronic wallet program 130 (S512).

Here, as the electronic wallet driving means 217 for driving the electronic wallet program 130, the program area 120 of the electronic wallet device 100 recognized as an external storage device according to the type and operating system of the user terminal 210. All means, such as directly executing the file, or to copy (or load) to a specific area of the user terminal 210, and the like.

In addition, the user interface means 219 includes not only a monitor, a mouse and a keyboard of a personal computer, but also a touch screen, a keypad, buttons, a liquid crystal screen, a TV monitor, a remote controller, and the like provided by various user terminals 210.

6 is a diagram illustrating a process of providing a financial service by an electronic wallet program according to an exemplary embodiment of the present invention.

When the electronic wallet program 130 is duplicated and driven in the program area 120 or the user terminal 210 of the electronic wallet device 100, the electronic wallet program 130 checks whether the electronic wallet program is connected to the user terminal 210 and the user terminal 210. It is checked whether the connection is periodically maintained while connected to the connection (S602). This is to stop the operation of the electronic wallet program 130 at the moment of detaching the electronic wallet device 100 from the USB port 212 of the user terminal 210. Therefore, one electronic wallet program 130 may not be executed simultaneously on multiple computer devices, and may fundamentally block it.

The electronic wallet program 130 identifies the connected user terminal 210 (S604). By identifying the types of user terminals 210 including various types of computer devices, the user screen elements and control elements suitable for the connected computer devices are referred to by referring to the computer device-specific data 156 stored in the data area 150. The screen data 152 is used to construct a user screen and a user interface.

When the user terminal 210 is identified, the electronic wallet program 130 receives a personal identification number (PIN) from the user and confirms it (S606). Here, when the personal identification number (PIN) input from the user does not match the personal identification number (PIN) stored in the electronic wallet device 100, the operation of the electronic wallet program 130 is terminated. In addition, if the user fails to authenticate the personal identification number (PIN) more than a certain number of times by setting the number of errors as a condition, it is regarded as an hacking attempt and the financial transaction data 154 or the internal memory 164 in the electronic wallet device 100. You can also add an automatic data deletion function that deletes all or some of the data from) to prevent third parties from attempting further hacking.

The electronic wallet program 130 determines whether to perform management setting by determining whether the user needs to operate the electronic wallet device 100 for the first time or change the user setting at the user's request (S608).

If management setting is required, electronic wallet management (S610), user environment setting (S612), and user data registration (S614) are selectively performed by the user's selection.

Here, the electronic wallet management (S610) automatically checks the version of the electronic wallet program 130 when the version of the electronic wallet program 130 is changed through the electronic wallet management module 134 to update the changes. to be.

User preferences (S612) is a function that allows the user to configure and set the main screen and menus, such as the user's main trading financial institution, main account, basic menu configuration, financial information receiving settings, and the user user settings (S612) If you do not perform), it consists of the basic screen and menu that are initially set. The setting result is stored in the user setting data 158 through the data processing module 138.

User data registration (S614) provides a function to record the authentication data, login data, bank transfer password, security card information, etc. for each server in the electronic wallet device (100). The function of the smart card management module 136 and the smart card unit 160, the encryption processing module 166, the data management module 168, the communication module 170 in conjunction with the internal memory 164 of the smart card unit 160 In addition, the encryption processing module 166 of the smart card unit 160 may register a one time password generator using a key value.

After the above process, the user setting program is driven based on the type of the user terminal 210 identified through step S602 and the user setting data 158 set through steps S610 to S614 (S616).

Through the S616 step, the user's financial platform may be made of only the necessary menus on the screen of the user terminal 210 to which the electronic wallet device 100 is connected, the keyboard or the touch screen, etc. according to the screen configuration of the main trading bank designated by the user.

After the electronic wallet program 130 drives the user setting program, the electronic wallet program 130 performs the integrated financial management for comprehensively managing the financial information of the users dispersed in various financial institutions (S618). This is for automatically or manually accessing each financial institution server 230 to obtain necessary information or automatically or manually performing necessary financial transactions according to a user's request.

For example, in order for users to manage financial assets of individuals or companies collectively, rules such as naming each account, giving account-specific rules (minimum balance, maximum balance, periodic transfers, etc.), automatic collection and distributed remittance, etc. And it can be set to notify in advance, or can be performed automatically when the user confirms.

After performing integrated financial management, the set financial transaction is performed (S620). Herein, the financial transaction can be performed immediately according to the rules of integrated financial management or when the user needs it. The financial transaction processing module 142 of the electronic wallet program 130 requests the financial institution server 230 for financial transaction processing such as account inquiry and transfer, and is notified of the processing result from the financial institution server 230. . In this case, the financial transaction processing request and the notification of the processing result may be implemented by a standard professional method using an existing method or XML, which is transmitted in the form of a web page including HTML. The processing result received by the simple standard text is referred to the screen data 152 and output to the user as a complete page. In addition, financial transactions may include the use of all transfer passwords, security card numbers, certificates, or some simplified procedures in accordance with existing procedures. In this case, the necessary information may be automatically processed by using information previously registered in the internal memory 164 of the smart card unit 160.

When providing a financial service to the user through the electronic wallet device 100 and the electronic wallet system 200 of the present invention as described above can maximize the portability and ease of use while securing safety and security In the case of financial transactions, security authentication can be provided for all processes from the financial institution server of the financial institution to the user's computer terminal.

In addition, the electronic wallet device 100 of the present invention securely stores information such as an authorized certificate and a financial transaction password in the encrypted internal memory 164 of the smart card unit 160, and has a size of the flash memory unit 110. The electronic wallet program 130 and data can be stored without restriction, thereby improving convenience of use at the same time.

In addition, it has a USB port for personal computers, personal portable information terminals, mobile communication terminals, card payment terminals, electronic cash registers, set-top boxes, teller machines and ATMs, ATMs, bill acceptors, and other automated teller machines. In order to provide an electronic wallet service by connecting the electronic wallet device 100 to various computer devices, the electronic wallet program 130 includes all executable files running in various operating systems and environments. Therefore, the personal computer has a USB interface. In the authentication of the electronic wallet device 100 and the electronic wallet program 130 can be automatically executed to be easily applied. A personal computer and a personal portable information terminal supporting the USB interface recognize the electronic wallet device 100 through a USB port and automatically or manually operate the electronic wallet program 130 stored in the electronic wallet device 100. It can work. Financial communication devices such as mobile communication terminals, card payment terminals, electronic cash registers, set-top boxes, teller terminals and ATMs, ATMs, and utility bills are automatically recognized and driven by the electronic wallet device 100 in their own operating programs or built-in. It includes a module for reading the decryption and financial information of the electronic wallet device 100 in the program.

In addition, the user can receive financial services of various financial institutions using a single electronic wallet device 100, and each of the financial institutions with only a single certificate and password and one-time password stored in the electronic wallet device 100, respectively. It is very easy to access and use the service.

In addition, in the present invention, a common financial transaction of a financial institution such as account inquiry / transfer may be processed by communicating with the financial institution server in a standard specialized format.

In addition, it is possible to provide a variety of applications utilizing the electronic wallet program 130 and the data area 150 of the electronic wallet device 100, such as account / transaction history of a number of financial institutions that individuals or companies trade In addition to the function to search financial information collectively, it can provide a function to support automatic transaction processing such as advance notification and reservation according to various financial transaction rules defined by the user.

In addition, when you use a financial automation device, or perform a card payment, online payment, remittance, etc., you can automatically save a confirmation to provide the results and provide various statistics. In addition to checking the card payment terminal, it is possible to provide an application such as selecting a card having favorable payment terms or knowing the accumulated amount of money up to the corresponding transaction using only the information embedded in the electronic wallet device 100. Do.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, by providing an electronic wallet device and a system using a USB interface, the user can safely carry personal authentication and financial information, anytime, anywhere safely using a variety of computer devices, inquiry, The financial services of various financial institutions such as payment, transfer and payment can be conveniently used.

In addition, by continuously integrating information such as account numbers and passwords of individuals or companies dispersed in the servers of each financial institution, the transaction information, payment history, transfer history, etc. of individuals or companies are integrated into the electronic wallet device. Safe storage improves safety and portability compared to storage or moving using simple media.

In addition, while applying all the methods, such as certificates, security cards or one-time password generator used in the existing financial transactions, electronic wallet unique number (WIN) that can not be changed by a third party and personal identification number known only to you ( Additional PIN) has the advantage of complete safety and personal authentication.

In addition, an electronic wallet program can be used to access financial institution servers of various financial institutions (or financial agencies) using common screens and usage methods, and individuals or companies distributed to each financial institution provided by the electronic wallet program. It can provide the function to manage the account of the integrated and transaction information analysis and planning function.

In addition, as well as numerous cards (credit cards, cash cards, debit cards, security cards, etc.) that you carry in your wallet in real life, you can carry a number of bankbooks and stamps all in one e-wallet. The management burden can be reduced, and various financial services can be selectively used by the user to provide a practical decision support system (DSS) using information stored in the electronic wallet device.

Claims (22)

In the system for providing financial services, An electronic wallet device including a flash memory unit, a smart card unit, and a USB terminal, for managing / storing various financial information of a user by driving an provided electronic wallet program, and providing the financial service; Wired and wireless communication network for providing a wired and wireless communication path; A user terminal connected to the electronic wallet device through a provided USB port and providing the financial service via the wired / wireless communication network; Issuing, registering, and authenticating the electronic wallet device to newly issue the electronic wallet device to the user, when the electronic wallet device is connected through the wired / wireless communication network, after authenticating the electronic wallet device, One or more financial institution servers providing the financial services; And A financial institution terminal providing an interface for issuing and registering the electronic wallet device in association with the financial institution server. Electronic wallet system comprising a. According to claim 1, The electronic wallet device, Electronic wallet system, characterized in that is produced in the form of a USB memory stick. The method of claim 1, wherein the flash memory unit, A program area for storing the electronic wallet program; And Data area including screen data, financial transaction data, computer device-specific data, and user-defined data Electronic wallet system comprising a. The method according to claim 1 or 3, The electronic wallet program, when the electronic wallet device is connected to the user terminal, the electronic wallet system using the financial information and data stored in the data area in conjunction with the financial institution server to provide the financial service. . The method of claim 1, wherein the financial information, Electronic wallet system comprising at least one of a certificate, account information, card information, user information and smart card information. The method of claim 1, wherein the user terminal, A personal computer (PC), a personal digital assistant (PDA), a mobile communication terminal, a card payment terminal, an electronic cash register that can be connected to the financial institution server via the wired / wireless communication network. At least one or more of a point of sale (POS), a set-top box, a teller terminal and a cash dispenser (CD), an automatic teller machine (ATM) and a bill acceptor An electronic wallet system comprising a computer device having a self computing function. The method of claim 6, wherein the user terminal, A USB port connected to the USB terminal of the electronic wallet device; An input device including at least one of a keyboard, a keypad, a touch screen, and a mouse; An output device including at least one of a monitor, a liquid crystal and a touch screen; And A self computing device that performs overall management of the user terminal and provides financial services to the user through the electronic wallet program of the electronic wallet device. Electronic wallet system comprising a. According to claim 1, wherein the electronic wallet system, The electronic wallet system, characterized in that for authenticating the electronic wallet device and the user using a wallet wallet identification number (WIN) and a personal identification number (PIN) stored by the electronic wallet device. In a device providing financial services connected to a user terminal having a USB port, A flash memory unit including a program area storing an electronic wallet program for providing the financial service and a data area storing screen data, financial transaction data, computer device-specific data, and user setting data; The smart card unit includes a chip operating system (COS) and a public key infrastructure (PKI) and a secret key encryption algorithm, and includes a memory area for storing financial information of the user. ; And USB terminal for connection with the user terminal Electronic wallet device comprising a. The electronic wallet program of claim 9, Recognizes a computing environment or recognizes the electronic wallet device in the user terminal so that the electronic wallet program can be executed according to the type of the user terminal to which the electronic wallet device is connected, and a personal identification number (PIN: Personal) A basic module for authenticating the user by checking an identification number; An electronic wallet management module for checking a version of the electronic wallet program and performing an update through a wired or wireless communication network; A smart card management module connected to a processor of the smart card unit through a smart card interface to perform registration, storage, deletion and inquiry of the financial information stored in the smart card unit; A data processing module for managing / searching at least one of the screen data, the financial transaction data, the encrypted data, the various message data, and the log data for record management required when providing the financial service; Comprehensive management and output of the financial information of the user interspersed with a plurality of financial institutions, provide analysis of statistical information including the frequency of use, amount, service type for each financial institution, and collect according to the rules predefined by the user Integrated financial management module that performs the function of performing / notification of financial processing, including transfer of funds; And A financial transaction processing module that processes the financial service requested by the user in association with a financial transaction processing module of a financial institution server when the user uses the financial service; Electronic wallet device comprising a. The method of claim 9, The screen data is information related to a screen required for each financial service in the case of providing the financial service, the financial transaction data is related to the financial transaction history, processing results and usage log, and the data per computer device identifies the user terminal. And information related to an input / output device of the user terminal and the user setting data are data relating to personal preference information and user specified content. The method of claim 9, wherein the smart card unit, A built-in memory composed of at least one of its own CPU processor, RAM, ROM, and EEPROM, a cryptographic processing CPU, a cryptographic processing module, a data management module for managing the financial information stored in the internal memory, and a communication module supporting a USB interface. Electronic wallet device, characterized in that consisting of one chip. The method of claim 12, wherein the internal memory, Electronic wallet device, characterized in that for storing one or more of the financial information, such as financial information, security information and personal information, including a certificate, account information, card information, security card and one-time password. The method of claim 12, wherein the internal memory, Stores the Wallet Identification Number (WIN) and Personal Identification Number (PIN). The electronic wallet unique number and personal identification number is generated only when issuing the electronic wallet device and stored in the internal memory of the smart card unit. Electronic wallet including the user's financial information, electronic wallet device for storing the wallet identification number (WIN), personal identification number (PIN) and electronic wallet program, user terminal and server of the financial institution In the system, in the financial service providing method using the financial institution server, (a) when the electronic wallet program accesses the financial institution server, requesting, by the financial institution server, the electronic wallet unique number from the electronic wallet program; (b) receiving, by the financial institution server, the financial service request from the electronic wallet program when the electronic wallet unique number is registered; (c) the financial institution server processing the financial service; And (d) the financial institution server notifying the electronic wallet device of the processing result of the financial service; Financial service providing method comprising a. The method of claim 15, wherein the method is Before step (a) above, (a-1) if the electronic wallet device is connected to the user terminal, identifying the user terminal; (a-2) the electronic wallet device driving the electronic wallet program suitable for the user terminal and authenticating the user through the personal identification number; And (a-3) if the authentication of the user is successful in the step (a-2), the driven electronic wallet program accesses the financial institution server at the request of the user Financial service providing method comprising the further. The method of claim 15, wherein the method is After step (a) above, (a1) checking, by the financial institution server, the electronic wallet unique number received from the electronic wallet program; And (a2) registering the electronic wallet unique number if the electronic wallet unique number is not registered in the financial institution server as a result of checking in step (a1) Financial service providing method comprising the further. In an electronic wallet device that stores a user's financial information, a Wallet Identification Number (WIN), a Personal Identification Number (PIN), and an electronic wallet program, it is connected to a user terminal and linked with a financial institution server. In the method of providing financial services through, (a) identifying the user terminal when the electronic wallet device is connected to the user terminal; (b) the electronic wallet device driving the electronic wallet program suitable for the user terminal and authenticating the user through the personal identification number; (c) upon successful authentication of the user in step (b), the driven electronic wallet program accessing the financial institution server at the request of the user; (d) the electronic wallet program interworking with the financial institution server to perform authentication through the electronic wallet unique number, and requesting the financial service according to the user's request; (e) the electronic wallet program interworking with the financial institution server to process the financial service; And (f) the electronic wallet program receiving a processing result of the financial service from the financial institution server Financial service providing method comprising a. An electronic wallet program that provides financial services. (a) the ability to consolidate / save / manage / search / delete / update financial information of users; (b) requesting / processing the financial service by accessing a plurality of financial institution servers using the financial information; (c) a function of performing authentication by transmitting an electronic wallet unique number to the financial institution server; (d) a function of authenticating the user using a personal identification number; And (e) a function of being connected to a plurality of user terminals to identify the plurality of user terminals and providing the financial service in association with the plurality of user terminals; And a recording medium having recorded thereon a computer readable program. The method of claim 19, wherein the financial information, A recording medium recording a computer-readable program comprising at least one of a certificate, account information, card information, user information and smart card information. The method of claim 19, wherein the plurality of user terminals, A personal computer (PC), a personal digital assistant (PDA), a mobile communication terminal, a card payment terminal, an electronic cash register that can be connected to the financial institution server via the wired / wireless communication network. At least one or more of a point of sale (POS), a set-top box, a teller terminal and a cash dispenser (CD), an automatic teller machine (ATM) and a bill acceptor A recording medium on which a computer-readable program is recorded, comprising a computer device having a self computing function. The electronic wallet program of claim 19, A recording medium having recorded thereon a computer readable program, characterized in that for communicating with the plurality of user terminals via a USB interface.

Images