KR20130014475A - System for financial transaction using mobile radio communication network and financial transaction method thereof - Google Patents

Abstract

PURPOSE: A financial transaction system using a mobile communication network and a method thereof are provided to prevent the illegal use and duplication of a card by processing a banking work with a mobile communication terminal of a customer without directly providing card information and passwords to an ATM(Automated Teller Machine). CONSTITUTION: An ATM(100) transmits transaction information and device ID information to a safe transaction server(200). The safe transaction server authenticates the validity of the ATM by using the device ID information. The safe transaction server generates transaction ID information about financial transactions. The transaction ID information is transmitted to a mobile terminal(300) through a bar code reading or NFC(Near Field Communication). [Reference numerals] (200) Safe transaction server; (AA) Network; (B1) Bank financial server; (B2) Card financial server; (B3) Stock financial server

Description

Financial transaction system using mobile communication network and its method {System for Financial Transaction Using Mobile Radio Communication Network and Financial Transaction Method Thereof}

The present invention relates to a financial transaction system and a method using a mobile communication network.

Recently, various mobile communication terminals using a mobile communication network have been released. These mobile terminals can access the Internet through various wireless communication protocols such as WCDMA, Wibro, and WIFI. In addition, mobile communication terminals have a platform capable of running various application programs. Mobile phones have a built-in platform that can run mobile application programs such as WIFI and BREW. Smartphones also have various application program driving platforms such as Windows Mobile and Android.

In particular, mobile phones and smartphones include a subscriber identity module (SIM), a universal IC card (UICC), and a universal subscriber identity module (USIM) that combines SIM and UICC. USIM integrates customer authentication, global roaming, and e-commerce information into one chip and is used for various purposes. USIM is a step up from SIM, and is an essential chip for asynchronous third-generation mobile communication (WCDMA) terminals. USIM combines the role of a SIM to authenticate subscribers and the functionality of a Universal IC Card (UICC) that can carry functions such as a transportation card or credit card. The universal IC card ensures the integrity and security of all personal information data through the security support of various multiple applications.

Recently, various types of cards, such as credit cards, check cards, debit cards, and cash cards, are widely used as a means of banking. These cards can be issued by the customer from the card company to handle the banking operations such as cash withdrawal, account transfer, cash service withdrawal, cash service transfer from the automated device of the card company or a separate company contracted with the card company. These automation devices are common devices, including a card insertion unit, a display unit, a keypad, and the like, and recently, many installations in public places such as convenience stores can be conveniently used by customers.

However, while it is convenient to use an automated device to handle banking business, if card information is read directly to the automated device, important information such as card information or password may be leaked or stolen by program operation or hacking of the automated device. do. In particular, automated devices are often installed in unmanned corners, so illegally replacing the card insertion part to extract card information or illegally installing a camera to photograph the customer's input of the keypad to extract important information such as passwords. An accident is happening.

An object of the present invention is to provide a financial transaction system and a method using a mobile communication network that can process banking so that a password is not exposed using a mobile communication terminal.

Financial transaction system using a mobile communication network according to the first aspect of the present invention for achieving the object of the present invention, an automated device for transmitting the transaction information and device identification information received from the user, the transaction information and device identification information A secure transaction server for generating transaction identification information based on the data and the financial information of the user, and receiving at least one or more of security information and transaction identification information corresponding to the financial information from a user and transmitting the same to the secure transaction server; And a mobile terminal, wherein the secure transaction server transmits the financial information and the security information to a financial server, receives a transaction approval result from the financial server, and transmits the transaction approval result to the automated device.

Here, the financial information may be any one of the bank account information, card information, coupon information and point information of the user.

The financial information may be linked to the financial server, and the financial server may determine whether to approve a transaction by determining whether the financial information and corresponding security information are valid.

In addition, the secure transaction server for performing a financial transaction in conjunction with the mobile terminal and the automated device according to the second aspect of the present invention, the communication unit for receiving at least one or more of the device identification information and transaction information from the automated device, the device identification An automated device authentication unit that performs authentication processing on the automated device based on the information, a transaction identification information generation unit generating transaction identification information based on the transaction information and the device identification information, and the transaction identification information from the mobile terminal. And a financial transaction processing unit for transmitting the corresponding transaction information to the mobile terminal in response thereto.

Here, the transaction information received from the automated device is matched with the transaction identification information and stored in a database. When the financial transaction processing unit receives the transaction identification information from the mobile terminal, the transaction information is matched with the transaction identification information from the database. The transaction information may be retrieved and transmitted to the mobile terminal.

Here, the financial transaction processing unit may transmit a financial information received from the mobile terminal to a financial server to request a transaction approval.

Here, the transaction identification information is displayed to the user through the automation device, and the mobile terminal receives the transaction identification information from the user and transmits the transaction identification information to the secure transaction server, and receives the transaction information received in response thereto. It can be displayed to the user.

Here, the transaction identification information may be transmitted from the automated device to the mobile terminal through short range communication.

In addition, the mobile terminal for performing a financial transaction in conjunction with the secure transaction server and the automation device according to the third aspect of the present invention, a user UI for providing a user input screen of login information, transaction identification information and security information, the login A user authentication unit that authenticates the user using the information, a financial information manager that manages the financial information of the user, and the financial information and corresponding security information to the secure transaction server, and the transaction for the financial transaction. It includes a communication unit for receiving the approval result.

Here, the financial transaction may be any one of cash withdrawal, account transfer, cash service withdrawal, cash service transfer, card settlement, coupon settlement, point settlement, point transfer and coupon transfer.

Here, the transaction identification information may be input to the mobile terminal by the user after being displayed on the automated device.

Here, the transaction identification information is displayed in the form of a barcode on the automated device, it can be read by the mobile terminal.

Here, the barcode may be a QR code.

Here, the security information may be a password set in at least one financial information, respectively.

Here, the financial information and security information may be encrypted and transmitted to the secure transaction server.

In addition, the automated device for performing a financial transaction in conjunction with the safe transaction server according to the fourth aspect of the present invention, transmits the device identification information and the transaction information received from the user to the safe transaction server, in response to the transaction information And a transaction identification number processing unit for receiving transaction identification information corresponding to and an output unit for outputting the received transaction identification information on a screen.

Here, the automation apparatus may further include a short range communication unit for providing the transaction identification information to the mobile terminal through short distance communication.

Here, the automated device may further include a barcode generation unit for converting the transaction identification information into a barcode form, and the barcode may be recognized by the mobile terminal.

In addition, the financial transaction method using the secure transaction server according to the fifth aspect of the present invention, the secure transaction server, the step of generating transaction identification information based on the transaction information and device identification information received from the automated device, the secure transaction Transmitting, by the server, the transaction identification information to the automated device, receiving the transaction identification information received from the user from the mobile terminal, and the secure transaction server transmitting the transaction identification information to the mobile terminal. Transmitting information, receiving financial information used for financial transactions and corresponding security information from the mobile terminal, transmitting a transaction approval request including the received financial information and security information to a financial server; and Receiving a transaction approval result from a financial server and the mobile terminal and And transmitting to the automated device.

Here, the financial information may be one of bank account information, card information, coupon information, and point information previously stored in the mobile terminal.

Here, the security information may be a password set for the financial information.

The generating of the transaction identification information may include receiving transaction information input by the user and device identification information of the automated device from the automated device, and identifying the transaction based on the transaction information and the device identification information. Generating information and matching the transaction information with the transaction identification information and storing the transaction information.

The receiving of the transaction identification information from the mobile terminal may include inputting the transaction identification information displayed on the automated device into the mobile terminal by any one of the user's input, short-range communication, and a barcode. have.

The transmitting of the transaction information may include: searching, by the secure transaction server, matching transaction information using the transaction identification information received from the mobile terminal, and searching the matched transaction information and corresponding device identification information. And transmitting to the mobile terminal.

The receiving of the financial information and the security information may include: checking, by the user, the transaction information and the device identification information displayed on the mobile terminal, and using one or more financial information stored in the mobile terminal for financial transaction. Selecting information, receiving security information corresponding to the selected financial information from the user, and receiving the financial information and the security information from the mobile terminal.

The transmitting of the transaction approval request to a financial server may include selecting, by the secure transaction server, a financial server that processes the financial information, and transmitting the financial information and security information to the selected financial server. can do.

Here, when the financial transaction is a cash withdrawal service, the method may further include transmitting an amount corresponding to the transaction information from the automated device receiving the transaction approval result.

According to an embodiment of the present invention, since the banking process is performed using the mobile communication terminal of the customer without providing the card information and password directly to the automated device, the banking process can be performed without exposing personal information such as card information and password. This can prevent the card from being duplicated and misused.

In addition, according to an embodiment of the present invention, it is possible to carry a plurality of cards to the customer's personal mobile communication terminal, so you do not have to carry several plastic cards and know the transaction number anytime, anywhere using mobile communication terminals and bank automation equipment Because it can handle banking safely, it is excellent in portability and instantaneous.

And even if you lose your mobile phone, you need to know the password for each card to use it.If you use the authentication of the mobile carrier, you can stop the function for all cards stored in the mobile terminal by adjusting the mobile phone's identity authentication function. Excellent sex

1 is an overall schematic diagram of a financial transaction system using a mobile communication network according to an embodiment of the present invention.
2 is a detailed block diagram of a secure transaction server according to an embodiment of the present invention.
3 is a detailed configuration diagram of a mobile terminal according to an embodiment of the present invention.
4 is an overall flowchart of a financial transaction method using a mobile communication network according to an embodiment of the present invention.
5 is a flowchart illustrating a process of issuing transaction identification information in a financial transaction method according to an embodiment of the present invention.
6 is a flowchart illustrating a transaction processing process in the financial transaction method according to an embodiment of the present invention.
7 is a flowchart illustrating a transaction approval process in a financial transaction method according to an embodiment of the present invention.
8 to 10 are exemplary diagrams for explaining a process of performing a cash withdrawal service as an embodiment of the present invention.
11 to 13 are exemplary diagrams for explaining a process of performing an account transfer service according to another embodiment of the present invention.
14 is a detailed configuration diagram of an automated device according to an embodiment of the present invention.

The present invention may be variously modified and have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail with reference to the accompanying drawings. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.

In addition, various embodiments are described with reference to a user terminal, which may be a wired terminal or a wireless terminal. The user terminal may also be a system, device, subscriber unit, subscriber station, mobile station, mobile, mobile terminal, remote station, remote terminal, access terminal, user terminal, terminal, communication device, user agent, user device or user equipment (UE). It may also be called. A wireless terminal can be a mobile phone, satellite phone, wireless phone, Session Initiation Protocol (SIP), wireless local loop (WLL) station, PDA, handheld device with wireless connectivity, computing device, or processing device connected to another wireless modem. have.

The techniques described herein may be used for various mobile communication systems, such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA. The terms "system" and "network" are used interchangeably.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is an overall schematic diagram of a financial transaction system using a mobile communication network according to an embodiment of the present invention.

As shown in FIG. 1, a financial transaction system using a mobile communication network includes an automatic teller machine (ATM) 100, a secure transaction server 200, and a mobile terminal 300. In addition, the financial transaction system may further include a financial server 400 for processing financial transactions of banks, card companies, securities companies, coupon providers and point providers.

The financial transaction system enhances security by using a mobile communication terminal such as a mobile phone, a smart phone, or a PDA as an auxiliary means when a user processes banking through a bank ATM.

In this case, financial transactions that can be processed using the financial transaction system include cash withdrawal, account transfer, cash service withdrawal, and cash service transfer. In addition, the financial transaction may include card payment or coupon, payment using points.

The user may use financial information such as bank account information or card information stored in the mobile terminal 300 to perform a financial transaction using the financial transaction system. In addition, a user may enter a password through the mobile terminal 300 without directly entering a password or the like into the automation device.

The automation device 100 receives transaction information about a financial transaction from a user and transmits the input transaction information to the safe transaction server 200 together with the device identification information of the corresponding automation device 100. The device identification information has a unique value for each automation device 100.

On the other hand, the automation device 100 receives the transaction identification information corresponding to the transmitted transaction information from the secure payment server 200. Thereafter, the automation device 100 may display the received transaction identification information to the user through a display screen.

The secure transaction server 200 generates transaction identification information for the corresponding financial transaction based on the transaction information and the device identification information transmitted from the automation device 100.

In detail, the secure transaction server 200 receives transaction information regarding a financial transaction input by the user through the automation device 100, for example, a transaction type, a transaction amount, a counterpart account number to be transferred, and the like. Receive a device unique number to identify the automation device. In addition, the secure transaction server 200 may generate transaction identification information for the financial transaction and transmit the generated transaction identification information to the automation device 100. The transmitted transaction identification information may be displayed on the screen of the automation device 100 and exposed to the user. In this case, the user may input transaction identification information displayed on the screen of the automation device 100 to the mobile terminal 300 to receive corresponding transaction information from the secure transaction server 200.

Meanwhile, the transaction identification information may be transmitted from the automation device 100 to the mobile terminal 300 using near field communication such as NFC, Bluetooth, RFID, Zigbee, and infrared communication. In this case, the automated device 100 transmits the transaction identification information to the mobile terminal 300 using the short range communication unit 130 to be described later, and the mobile terminal 300 is a short range communication unit (not shown) for performing short range communication. ) May be further included.

Meanwhile, the transaction identification information may be transmitted from the automation device 100 to the mobile terminal 300 using barcode information such as a barcode and a QR code. In this case, the automation device 100 transmits the barcode or QR code to the mobile terminal 300 by using the output unit 120 to be described later, and the mobile terminal 300 reads the barcode or the QR code. It may further include a processing unit (not shown).

In addition, the user selects financial information such as bank account information or card information to be used for the financial transaction through the mobile terminal 300, and the selected financial information and corresponding security information (for example, password or authorized certificate information). Etc.), the secure transaction server 200 may receive the financial information and the security information, transmit the same to the financial server 400 of the corresponding financial company, and request a transaction approval.

The financial server 400 is a server for financial transactions provided by financial companies such as banks, card companies, and securities companies that handle financial transactions. The financial server 400 provides financial information in a form that can be stored in the mobile terminal 300 of the user, and stores security information corresponding to the financial information.

When the financial server 400 receives the transaction information and the financial information and security information for processing the same from the secure transaction server 200, the financial server 400 may check the validity of the financial information and the security information and may approve the transaction information. have. The transaction approval result may be displayed on the screen of the automation device 100 and the mobile terminal 300 through the secure transaction server 200.

Next, a detailed configuration of the secure transaction server 200 will be described in detail with reference to FIG. 2.

2 is a detailed block diagram of a secure transaction server according to an embodiment of the present invention.

As shown in FIG. 2, the secure transaction server 200 includes an automated device authentication unit 210, a transaction identification information generation unit 220, a financial transaction processing unit 230, a communication unit 240, and a database 250. do.

The automation device authentication unit 210 authenticates the validity of the automation device 100 using the device identification information received from the automation device 100. If there is no automation device 100 information matching the received device identification information or the automation device 100 that cannot process the financial transaction according to the present invention, the device authentication fails, and the failure result is the automation device. The data may be transmitted to 100 and displayed on the screen.

The automated device authentication unit 210 may separately manage the list of the automated devices capable of financial transactions and related device information according to the present invention, or may be provided with necessary information from a financial company that directly operates the automated device 100. .

The transaction identification information generation unit 220 generates transaction identification information for the corresponding financial transaction using the transaction information and the device identification information received from the automation device 100. Transaction identification information is matched to a financial transaction one-to-one and may have a unique value. In addition, the transaction identification information generation unit 220 may store the generated transaction identification information in the database 250 to be described later to match the transaction information.

The generated transaction identification information may be transmitted to the automation device 100 through the communication unit 240 to be described later and displayed on the screen. At this time, the user may visually check the transaction identification information displayed on the screen of the automation device 100 and input it to the mobile terminal 300. Alternatively, transaction identification information may be delivered using short-range communication between the automation device 100 and the mobile terminal 300. In this case, the automation device 100 and the mobile terminal 300 may further include a short range communication module for performing short range communication.

The financial transaction processing unit 230 receives the transaction identification information from the mobile terminal 300 and searches for transaction information matched in the database 250, which will be described later, as a key value. Thereafter, the financial transaction processor 230 may transmit the found transaction information to the mobile terminal 300.

The financial transaction processing unit 230 receives financial information (for example, bank account information or card information) received from the mobile terminal 300 and security information (for example, authorized certificate information or password, etc.) To the financial server 400 via the communication unit 240, which will be described later, to request a transaction approval. In this case, the financial server 400 is a financial transaction server operated by a bank or a card company corresponding to the financial information. At this time, the financial information and security information transmitted to the financial transaction processing unit 230 may be transmitted in an encrypted state.

The communication unit 240 communicates with the automation device 100 and receives device identification information and transaction information from the automation device 100.

In addition, the communication unit 240 may communicate with the mobile terminal 300 and receive financial information and security information from the mobile terminal 300.

In addition, the communication unit 240 communicates with the financial server 400 and transmits financial information, security information, and transaction information for a transaction approval request to the financial server 400, and receives a transaction approval result in response thereto. Can be.

The database 250 stores device identification information and transaction information of the automated device 100. At this time, the transaction information may be stored to match the corresponding transaction identification information.

Next, a detailed configuration of the mobile terminal 300 will be described.

3 is a detailed configuration diagram of a mobile terminal according to an embodiment of the present invention.

As shown in FIG. 3, the mobile terminal 300 may include a user authentication unit 310, a financial information management unit 320, a user UI 330, and a communication unit 340. In addition, the mobile terminal 300 may further include a short range communication unit (not shown) and / or a barcode processing unit (not shown) according to a format for receiving transaction identification information from the automation device 100.

The user authentication unit 310 authenticates the user by using the login information input from the user. The user authentication unit 310 may transmit the login information to the secure transaction server 200 to receive a login for the user and receive a result value thereof.

The financial information manager 320 manages the financial information of the user. Specifically, the financial information includes bank account information of the user or credit card information possessed by the user, and may be provided in a form that can be stored in the mobile terminal 300 from a financial company. The financial information manager 320 may manage one or more financial information, and may store the financial information in a memory, a USIM, or other storage device of the mobile terminal 300.

The user UI 330 may provide an input menu for the user to input login information, transaction identification information, security information, and the like, and may provide an output screen for notifying the user of necessary information.

The communication unit 340 transmits the financial information and the corresponding security information to the secure transaction server 200, and receives a transaction approval result for the corresponding financial transaction. The communication unit 340 may use a mobile communication network, or may use a wireless network such as Wifi or Bluetooth.

The local area communication unit (not shown) may receive transaction identification information from the automation device 100 using local area communication. Such short range communication may include, for example, NFC, Bluetooth, RFID, Zigbee, infrared communication, and the like. In this case, the short range communication unit may generate a short range communication link with the short range communication unit 130 of the automation device 100, and receive transaction identification information through the communication link.

The barcode processor (not shown) reads the barcode displayed on the screen of the automation device 100 to obtain transaction identification information for the corresponding transaction information. The barcode processing unit may identify not only linear barcodes, which are one-dimensional barcodes, but also two-dimensional barcodes, for example, matrix barcodes such as QR codes and multilayer barcodes.

Next, a detailed configuration of the automation device 100 will be described.

14 is a detailed configuration diagram of an automated device according to an embodiment of the present invention.

As shown in FIG. 14, the automation device 100 may include a transaction identification number processing unit 110, an output unit 120, and a short range communication unit 130. In addition, the automation device 100 may further include a barcode generator (not shown) according to a format for providing transaction identification information to the mobile terminal 300.

The transaction identification number processing unit 110 transmits the device identification information and the transaction information input from the user to the secure transaction server 200, and identifies the transaction generated using the device identification information and the transaction information from the secure transaction server 200. Receive information.

The output unit 120 displays discontinuous transaction identification information on the screen corresponding to the transaction received from the secure transaction server 200. In addition, the output unit 120 may display various notifications, notifications, and financial transaction results transmitted from the secure transaction server 200 on the screen.

The short range communication unit 130 transmits the transaction identification information received from the secure transaction server 200 to the mobile terminal 300 using short range communication. Examples of such short range communication may include NFC, RFID, Bluetooth, Zigbee, and the like. For example, the short range communication unit 130 may transmit transaction identification information to the mobile terminal 300 using NFC communication. In this case, the short range communication unit 130 transmits the corresponding transaction identification information through the NFC antenna, and the user may obtain the information transmitted by approaching the mobile terminal 300 to the NFC antenna.

The barcode generation unit (not shown) may convert the transaction identification information received from the secure transaction server 200 into a bar code form and display it on the screen. Such a barcode may include not only a linear barcode that is a one-dimensional barcode but also a two-dimensional barcode, for example, a matrix barcode such as a QR code and a multilayer barcode.

Next, an example of processing a cash withdrawal service as one embodiment of the present invention will be described with reference to FIGS. 8 to 10. For ease of explanation, the financial transaction service according to the present invention will be referred to as "smart bank".

8 (a) to 8 (d) and subsequent FIG. 9 illustrate a process that is performed in the automated device 100, and FIGS. 10 (a) to 10 (f) illustrate a mobile terminal interworking with the automated device 100. An ongoing process of 300 is shown.

First, the user selects a cash withdrawal service on the initial menu screen of the automated device 100 (S802). Next, select the smart bank on the screen of the automation device 100 (S804), enter the amount to withdraw and press the confirmation button (S806), the transaction identification number for the corresponding cash withdrawal transaction is displayed on the screen (S808) .

Thereafter, when the user inputs the displayed transaction identification number into the mobile terminal 300 and presses confirmation (S810), transaction information corresponding to the transaction identification information is displayed on the screen (S812). Such transaction information may include information of an automated device, a transaction type, and an amount to be withdrawn.

After that, available card information is displayed on the screen, and the user selects a card to process the financial transaction from the list (S814), and inputs a password for the corresponding card (S816). Thereafter, an approval procedure is performed for the corresponding transaction (S818), and the transaction processing result is displayed on the screen of the mobile terminal 300 and the automation device 100 (S820). Thereafter, the user may send out the corresponding cash at the cash outlet of the automated device 100.

Next, an example of processing an account transfer service as another embodiment of the present invention will be described with reference to FIGS. 11 to 13.

(A) to (d) of FIG. 11 and (e) to (g) of FIG. 12 that follow shows a process that is performed in the automated device 100, and FIG. 13 (a) to (f) shows an automated device. It shows an ongoing process of the mobile terminal 300 in conjunction with (100).

First, the user selects the account transfer service on the initial menu screen of the automation device 100 (S1102). Next, select the smart bank on the screen of the automation device 100 (S1104), enter the amount to be transferred (S1106), and enter the bank and account number of the other party to transfer (S1108, S1110), the corresponding account transfer transaction The transaction identification number for is displayed (S1112). At this time, the transaction identification information may be displayed as a number and / or letters that can be identified by the user, may be displayed as a bar code that can be identified using a barcode scanner, radio waves through RFID, NFC communication, etc. It can also be sent outside.

Thereafter, when the user inputs the displayed transaction identification number into the mobile terminal 300 and presses confirmation (S1114), the transaction information corresponding to the transaction identification information is displayed on the screen (S1116). Such transaction information may include information on automated devices, transaction types, names of recipients, banks, account numbers, and amounts to be transferred.

In this case, the transaction identification information may be input to the mobile terminal from the automation device 100 using a short range communication unit (not shown) or a barcode processing unit (not shown) of the mobile terminal 300. In the case of using short-range communication, the user may access the mobile terminal 300 to the automation device 100 to obtain corresponding transaction identification information.

Thereafter, the available card information is displayed on the screen, and the user selects a card to process the financial transaction from the list (S1118), and inputs a password for the corresponding card (S1120). Thereafter, an approval procedure is performed for the corresponding transaction (S1122), and the transaction processing result is displayed on the screen of the mobile terminal 300 and the automation device 100 (S1124).

Although cash withdrawal and account transfer have been described above as examples, the rights of the present invention are not limited thereto, and cash service withdrawal, cash service transfer, card settlement, coupon settlement, point settlement, and points processed in an equivalent manner. The present invention can also be applied to transfers and coupon transfers.

Next, a process of performing a financial transaction using a mobile communication network will be described with reference to FIGS. 4 to 7.

As shown in FIG. 4, in the financial transaction method according to the present invention, in step S310 of issuing transaction identification information from the secure transaction server 200 in association with the automation device 100, the secure transaction server 200 is generated. Processing the corresponding financial transaction by interworking with the mobile terminal 300 using the transaction identification information (S300) and performing a transaction approval procedure for the financial transaction through the financial server 400 (S500). do.

Each step will be described with reference to FIGS. 5 to 7.

5 is a flowchart illustrating a process of issuing transaction identification information.

First, when a user inputs transaction information through the automation device 100 (S102), the transaction information input by the user and device identification information of the automation device are transmitted to the secure transaction server 200 (S104).

Thereafter, the secure transaction server 200 authenticates the validity of the corresponding automation device 100 using the received device identification information (S106), and uses the received transaction information and the device identification information for the corresponding financial transaction. Generate transaction identification information (S108). In this case, the transaction information may be matched with the generated transaction identification information and stored in the database 250. Thereafter, the secure transaction server 200 transmits the generated transaction identification information to the automation device 100, and the corresponding transaction identification information is displayed on the screen of the automation device 100 to be recognized by the user.

Next, FIG. 6 is a flowchart for explaining a process of processing a financial transaction.

The user drives a transaction client program in the mobile terminal 300 (S302), and inputs transaction identification information through an input screen provided by the user UI 330 (S304). At this time, the input of the transaction identification information to the mobile terminal 300 may be directly received by the user from the automation device 100 to the mobile terminal 300 by using short-range communication in addition to the user directly input.

Thereafter, the input transaction identification information is transmitted to the secure transaction server 200 (S306), and the secure transaction server 200 extracts matching transaction information from the database 250 using the received transaction identification information (S308). ).

Thereafter, the secure transaction server 200 transmits the transaction information and the device identification information to the mobile terminal 300 to be displayed on the screen of the mobile terminal 300 (S310).

Then, the transaction information and the device identification information displayed on the surface of the mobile terminal 300 is confirmed by the user (S312), if there is no problem with the transaction information, the user is the bank account information for processing the financial transaction or Financial information, such as card information, is selected and the corresponding security information is inputted to approve the transaction (S314). Thereafter, the transaction approval process is performed through the financial server 400 using the financial information and the security information input by the user.

7 is a flowchart illustrating a transaction approval process.

First, the mobile terminal 300 encrypts the financial information and the security information (S504), and the financial information and the security information are transmitted to the secure transaction server 200 in encrypted form (S506). In this case, a user authentication process may be performed for the user (S502).

Thereafter, the secure transaction server 200 transmits the received financial information and security information to the financial server 400 to request a transaction approval (S508). The financial server 400 decrypts the received financial information and security information (S510), and determines whether to approve the transaction based on this. Thereafter, the transaction approval result is transmitted to the mobile terminal 300 and the automation device 100 through the safe transaction server 200 is displayed on the screen (S512).

One embodiment of the present invention may also be embodied in the form of a recording medium including instructions executable by a computer, such as program modules, being executed by a computer.

Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media.

In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

100: automation equipment
200: secure transaction server
300: mobile terminal
400: financial server

Claims (9)

Using mobile communication network including automation device, secure transaction server, and mobile terminal
In the financial transaction system,
The automated device transmits the transaction information consisting of the transaction type, the transaction amount and the account number of the counterpart to be transferred from the user and the device identification information, which is a unique value of the automated device, to the secure transaction server.
The transaction information input to the automated device does not include personal information of the user including card information and password.
The secure transaction server authenticates the validity of the automated device using the device identification information received from the automated device, and generates transaction identification information for the financial transaction based on the transaction information and the device identification information. Resend to,
The transaction identification information has a unique value that is matched one-to-one to the financial transaction;
The transaction identification information transmitted to the automation device is provided by the mobile terminal including a user UI that provides one or more input screens for inputting transaction identification information and security information to the user. Is sent to the terminal,
The mobile terminal transmits the transaction identification information transmitted to the mobile terminal, financial information of the user corresponding to the transaction information, and security information corresponding to the financial information of the user to the secure transaction server using the mobile communication network,
-The financial information of the user is any one of the user's bank account information, card information, coupon information, point information to be used in the financial transaction-
The secure transaction server transmits the transaction identification information and the security information transmitted from the mobile terminal to the financial server to request an approval, and then receives the approval result from the financial server and transmits the financial transaction system to an automated device. The method of claim 1,
The financial information is linked to the financial server, and the financial server determines whether to approve the transaction by determining whether the financial information and the corresponding security information of the user is valid. In the financial transaction method using an automated device, a secure transaction server, a mobile terminal,
The automated device transmits the transaction information consisting of the transaction type, the transaction amount and the account number of the counterpart to be transferred from the user and the device identification information which is a unique value of the automated device to the secure transaction server:
The transaction information input to the automated device does not include personal information of the user including card information and password.
Authenticating, by the secure transaction server, validity of the automated device using device identification information received from the automated device:
Generating, by the secure transaction server, transaction identification information based on transaction information and device identification information received from the automated device;
The transaction identification information has a unique value that is matched one-to-one to the financial transaction;
Transmitting, by the secure transaction server, the transaction identification information to the automated device;
The transaction identification information transmitted to the automated device is provided by the mobile terminal including a user UI for providing one or more input screens for inputting transaction identification information and security information to the user. Input to the terminal,
Receiving, by the secure transaction server, the input transaction identification information from the mobile terminal;
Transmitting, by the secure transaction server, the transaction information corresponding to the transaction identification information to the mobile terminal;
Receiving, by the secure transaction server, financial information of a user for processing a financial transaction corresponding to the transaction information and security information corresponding to the financial information of the user from the mobile terminal;
The financial information of the user is any one of bank account information, card information, coupon information, and point information of the user to be used in the financial transaction;
Transmitting, by the secure transaction server, a transaction approval request including the received financial information of the user to a financial server;
And receiving, by the secure transaction server, a transaction approval result from the financial server, and transmitting the received transaction approval result to the automated device.
The step of generating the transaction identification information by the secure transaction server,
And matching the transaction information with the transaction identification information and storing the transaction information. The method of claim 3, wherein
Wherein the security information is a password set for the financial information of the user. The method of claim 3, wherein
The step of inputting the transaction identification information sent to the automated device to the mobile terminal is
The transaction identification information displayed on the automated device further comprises the step of being input to the mobile terminal as the user's input, financial transaction method. The method of claim 3, wherein
The safe transaction server transmitting the transaction information to the mobile terminal,
Searching for matching transaction information by using the transaction identification information received from the mobile terminal by the secure transaction server; and
Transmitting the retrieved transaction information and corresponding device identification information to the mobile terminal.
Including, financial transaction method. The method of claim 3, wherein
Receiving the financial information and the corresponding security information of the user from the mobile terminal by the secure transaction server,
Displaying the transaction information and the device identification information on the mobile terminal so that the user can confirm the transaction information and the device identification information;
And receiving, by the secure transaction server, security information corresponding to financial information selected from the user among one or more financial information stored in the mobile terminal. The method of claim 3, wherein
The safe transaction server transmits the transaction approval request to a financial server,
Selecting, by the secure transaction server, a financial server that processes the financial information of the user;
Transmitting, by the secure transaction server, the financial information of the user to the selected financial server and requesting a transaction approval for the transaction information;
Including, financial transaction method. The method of claim 3, wherein
After the secure transaction server receives the transaction approval result from the financial server and transmits the transaction approval result to the automated device
If the financial transaction is a cash withdrawal service, the automated device receiving the transaction approval result further comprises the step of sending out cash of the amount corresponding to the transaction information to the cash outlet.

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