KR20130029988A - Recording medium, method and system for financial transactions processing - Google Patents
Recording medium, method and system for financial transactions processing Download PDFInfo
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- KR20130029988A KR20130029988A KR1020110093454A KR20110093454A KR20130029988A KR 20130029988 A KR20130029988 A KR 20130029988A KR 1020110093454 A KR1020110093454 A KR 1020110093454A KR 20110093454 A KR20110093454 A KR 20110093454A KR 20130029988 A KR20130029988 A KR 20130029988A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The present invention relates to a financial transaction processing method and system and a recording medium therefor. The financial transaction processing system according to the present invention provides a synchronization for synchronizing a financial transaction page (or a browser) connected between a user wireless terminal and a user second terminal. A financial transaction page (or a browser) in which processing means, information receiving means for receiving financial transaction means information transmitted through the user wireless terminal, and financial transaction means information transmitted from the user wireless terminal are synchronized with the user wireless terminal. Information processing means for processing to be automatically input on the;
Description
The present invention provides financial transaction means (cards, accounts, etc.) required for financial transactions (payment, transfer, inquiry, etc.) in a wired terminal through a synchronization process between a wireless terminal and a wired terminal, which is a second terminal, through a wireless terminal. To give.
Recently, non-face-to-face non-face-to-face transactions, such as online financial transactions, are becoming more and more common, but in the case of online face-to-face transactions, security issues are inevitably a problem. That is, when a financial transaction is processed in a wired terminal such as a PC, there is a problem that various financial transaction information of the user input to the wired terminal through the keyboard hacking is leaked.
Accordingly, various security technologies, such as keyboard security for wired terminals such as PCs, are being developed, but hacking technologies are also developed, and it is virtually impossible to solve the fundamental problems.
In addition, in addition to such a security problem, the inconvenience that the user must directly enter the card number, etc. in the financial transactions in the wired terminal is still a situation that still exists.
An object of the present invention for solving the above problems is the financial transaction means (cards, payments, transfers, inquiry, etc.) required for financial transactions in the wired terminal through a synchronization process between the wireless terminal and the wired terminal that is the second terminal (card). , Account, etc.) information is automatically input into the financial transaction information provided in the wireless terminal, so that various financial transaction information of the user entered into the wired terminal through the keyboard hacking, etc. during the financial transaction in the wired terminal is leaked. It is to provide a method and a system and a recording medium to block the source, and to solve the inconvenience that the user must enter the card number, etc. directly.
The financial transaction processing system according to the present invention includes synchronization processing means for synchronizing a financial transaction page (or browser) connected to a user wireless terminal and a user second terminal, and receives financial transaction means information transmitted through the user wireless terminal. And information processing means for processing the financial transaction means information transmitted from the user wireless terminal to be automatically input on the financial transaction page (or browser) synchronized with the user wireless terminal.
According to one side, the financial transaction processing system may further include authentication processing means for authenticating the validity of the financial transaction means information transmitted through the user wireless terminal.
According to another aspect, the synchronization processing means, so that a specific random number is output on the financial transaction page (or browser) that the user is connected, and when the specific random number is received through the user wireless terminal, the specific random number Synchronize the user connection financial transaction page (or browser) information outputted with the user wireless terminal information that transmits the specific random number, or synchronize a specific image code on the financial transaction page (or browser) that the user accesses. Is processed, and when the specific image code is received through the user wireless terminal, user access financial transaction page (or browser) information outputting the specific image code and user wireless terminal information transmitting the specific image code. Interconnected or synchronized, or accessed by the user When one or more identification information of the user wireless terminal is received through a financial transaction page (or a browser), the user wireless terminal information corresponding to the user wireless terminal identification information and one or more identification information of the user wireless terminal are transmitted. Synchronize user financial transaction page (or browser) information with each other, or confirm whether the same user is using login information through the financial transaction page (or browser) accessed by the user and login information through the user wireless terminal. If so, the user access financial transaction page (or browser) information and the user wireless terminal information may be interconnected and synchronized.
According to another aspect, the information processing means, a confirmation unit for confirming the financial transaction page (or browser) information associated with the wireless terminal identification information on the storage medium, and the financial transaction page (or browser) confirmed through the confirmation unit And a transmission unit for transmitting the financial transaction means information to the second terminal or the financial transaction page operation server so that the financial transaction means information transmitted from the user wireless terminal is automatically input.
According to another aspect, the information processing means, when processing the financial transaction means information transmitted from the user wireless terminal is automatically entered on the financial transaction page (or browser) synchronized with the user wireless terminal, the input All or part of the financial transaction information may be processed as an asterisk (*) or a special character, or may be processed so that a part of the input financial transaction information is deleted and output.
The financial transaction processing method according to the present invention comprises the steps of synchronizing a financial transaction page (or a browser) accessed by a user wireless terminal and a user second terminal in a server, identification information of the user wireless terminal synchronized by the server, and the first information. Connecting identification information of a second terminal (or a financial transaction page or a browser) and storing the identification information on a storage medium; receiving, by a server, financial transaction means information and wireless terminal identification information transmitted through the user wireless terminal; The server checks the identification information of the second terminal (or financial transaction page or browser) connected with the identification information of the wireless terminal through the storage medium, and the financial transaction means information transmitted from the user wireless terminal is checked. Processing to be transmitted to a second terminal (or financial transaction page or browser).
According to one side, the synchronization processing step, the step of outputting a specific random number on the financial transaction page (or browser) that the user second terminal is connected, and when the specific random number is received through the user wireless terminal, The method may further include interconnecting and synchronizing the user access financial transaction page (or browser) information outputting the specific random number with the user wireless terminal information transmitting the specific random number.
According to another aspect, the synchronization processing step, the step of outputting a specific image code on the financial transaction page (or browser) connected to the user second terminal, the specific image code through the user wireless terminal If is received, the method may further include the step of interconnecting and synchronizing the user access financial transaction page (or browser) information outputting the specific image code and the user wireless terminal information transmitting the specific image code.
According to another aspect, the synchronization processing step, the step of receiving one or more identification information for the user wireless terminal through the financial transaction page (or browser) connected to the user second terminal, the received user wireless The method may further include connecting and synchronizing user wireless terminal information corresponding to the terminal identification information with user financial transaction page (or browser) information transmitting one or more identification information of the user wireless terminal.
In addition, the present invention provides a recording medium, characterized in that a program for executing the financial transaction processing method is recorded.
In addition, the financial means information according to the present invention, the payment means information including one or more credit card, debit card, debit card, cash card, prepaid card, or financial means means information including account information, or It may include user authentication information set to identify the payment means and the financial transaction means.
In addition, the second user terminal according to the present invention may include one or more PC, IP-TV, home appliances.
According to the present invention, when a financial transaction in a wired terminal has the effect of fundamentally blocking the problem of leaking various financial transaction information of the user input to the wired terminal through keyboard hacking, and the like, It has the effect of solving the inconvenience that had to be input manually.
BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given above, serve to further the understanding of the technical idea of the invention. And should not be construed as interpretation.
1 is a diagram showing the configuration of a financial transaction processing system according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of a financial transaction processing server according to an embodiment of the present invention.
3 is a diagram illustrating an embodiment of a storage medium according to an embodiment of the present invention.
4 is a diagram illustrating a detailed configuration of a user wireless terminal according to another embodiment of the present invention.
5 is a diagram illustrating a synchronization processing process between a user wireless terminal and a second terminal using a specific random number according to an embodiment of the present invention.
6 is a diagram illustrating a synchronization processing process between a user wireless terminal and a second terminal using an image code according to an embodiment of the present invention.
7 is a diagram illustrating a synchronization process between a user wireless terminal and a second terminal using user wireless terminal identification information according to an embodiment of the present invention.
8 is a diagram illustrating a synchronization process between a user wireless terminal and a second terminal using user login information.
9 illustrates a process for processing automatic input of financial means information of a financial transaction page (or browser) accessed through a second terminal using financial means information provided in a wireless terminal according to an embodiment of the present invention. Drawing.
Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.
As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.
1 is a diagram showing the configuration of a financial transaction processing system according to an embodiment of the present invention.
In more detail, Figure 1 is a financial transaction processing system consisting of the financial transaction processing server 100 and the storage medium 105, the financial transaction page operation server 125, the user wireless terminal 110 and the second terminal ( 120 is connected to the user through the second terminal 120 using the synchronization process between the user wireless terminal 110 and the second terminal 120 and the financial transaction means information transmitted from the wireless terminal 110. A configuration for automatically inputting financial transaction information on a financial transaction page (or browser) is shown.
Financial transaction processing system according to an embodiment of the present invention, various configurations can be made according to the implementation method and communication network connection method.
First, a configuration in which the financial transaction processing server 100, the storage medium 105, and the financial transaction page operation server 125 are directly connected and indirectly connected through a communication network or a communication network is possible. Although not connected, the connection between the financial transaction processing server 100, the storage medium 105, and the financial transaction page operation server 125 may be configured in various ways.
The financial transaction processing server 100, which is a core component of the financial transaction processing system according to the present invention, synchronizes the financial transaction page and / or the browser of the user terminal 110 and the second terminal 120 connected and used by the user. And the financial transaction means information is automatically input to the financial transaction page (or browser) in the second terminal 120 by using the financial transaction means information generated and transmitted through the wireless terminal 110. Play a role.
In addition, the financial transaction processing server 100, the wireless terminal 110 in order to synchronize the financial transaction page (or browser) of the second terminal 120 that the user is connected to the user wireless terminal 110 is in use. The identification information and the second terminal 120 (or the financial transaction page or browser) are interconnected and temporarily stored on the storage medium 105, and the wireless terminal 110 and the second terminal 120 (or Connect virtual communication channel between financial transaction page or browser).
The financial transaction processing system according to the embodiment of the present invention may include a financial transaction processing server 100, a storage medium 105, and a financial transaction page operating server 125, but the storage medium 105 and financial When the transaction page operation server 125 is located on an external communication network, it may include only the financial transaction processing server 100.
The storage medium 105, the wireless terminal 110 identification information and the second for synchronizing the financial transaction page (or browser) of the second terminal 120 that the user is connected to the user wireless terminal 110 and is in use Terminal 120 (or financial transaction page or browser) identification information, and synchronization information such as random number, image code, login information, wireless terminal 110 identification information for synchronization processing and financial transactions transmitted from the wireless terminal 110 Temporarily store the means information.
The identification information of the wireless terminal 110 may include at least one of a wireless terminal 110, a telephone number, user information, a unique serial number, and login information, and the second terminal 120 (or a financial transaction page or a browser). ) The identification information includes one or more IP address information, terminal specific information, financial transaction page or browser URL information, user information, login information, etc. to which the second terminal 120 is connected, and the synchronization information includes the user. Random number information, image code information, and the second terminal 120 output to the second terminal 120 browser to synchronize the financial transaction page (or browser) of the wireless terminal 110 and the second terminal 120 It includes one or more user wireless terminal 110 identification information, and user login information received through a browser.
In addition, the financial means information is payment means information including one or more credit card, debit card, debit card, cash card, prepaid card, or financial means means information including account information, or the payment means and financial It may include one or more user authentication information is set to identify the transaction means.
On the other hand, the storage medium 105 may be provided in the financial transaction processing system, or may be provided in a server on a communication network.
The financial transaction page operation server 125 according to the present invention serves to provide a financial transaction page to the second terminal 120 to which the user is connected, and through the financial transaction processing server 100, financial transaction means information. After receiving the information, the financial transaction means information on the financial transaction page (or browser) of the second terminal 120 to which the user is connected serves to automatically input.
The financial transaction page operation server 125 may be provided in the financial transaction processing system or may be provided in a server on a communication network.
The
Although not specifically disclosed in the drawings in the embodiment of the present invention, when providing the application to the user wireless terminal 110, the financial transaction processing server 100 in addition to providing a relay through the
Here, the application is a kind of program installed in the user wireless terminal 110, it is noted that the application term and the program term can be used in the same meaning as described interchangeably.
The application is installed in the user wireless terminal 110, a function of receiving a specific random number or a specific image code output to the financial transaction page (or browser) connected to the user second terminal 120, and the input specific Send a random number or a specific image code to the financial transaction processing server 100 on the communication network to request synchronization with the financial transaction page (or browser) on the second terminal 120 connected to the user, and select financial transaction means information. Or a financial transaction in a financial transaction page (or a browser) accessed by the user's second terminal 120 by transmitting the input function and the selected or input financial transaction means information to the financial transaction processing server 100 on a communication network. Executes a function for requesting means information input.
The user wireless terminal 110 according to the present invention transmits various information or data for synchronization processing with the second terminal 120 (or a financial transaction page or browser) to which the user is connected to the financial transaction processing server 100. And a financial transaction means information input on the financial transaction page (or browser) of the second terminal 120 to the financial transaction processing server 100 on the communication network.
Here, the user wireless terminal 110 includes all the terminals capable of mobile communication, such as a mobile phone, a smart phone, a tablet PC.
2 is a diagram illustrating a detailed configuration of the financial transaction processing server 100 according to the embodiment of the present invention.
In more detail, Figure 2 shows a detailed configuration of the financial transaction processing server 100 on the financial transaction processing system shown in Figure 1, each of which is merely a configuration for explaining an embodiment of the present invention. The technical features of the present invention are not limited only to the implementation method illustrated in FIG. 2.
Referring to FIG. 2, the financial transaction processing server 100 according to the embodiment of the present invention includes a wireless terminal side transceiver unit 205, a second terminal side transceiver unit 215, a storage unit 210, Including a
Here, the financial transaction processing server 100 is illustrated as a single server in the drawings for the purpose of describing the embodiments, but each means or component may be separately configured into one or more servers.
The wireless terminal side transceiver unit 205 according to the embodiment of the present invention performs a role of transmitting and receiving various data or information with the user wireless terminal 110.
According to the present invention, the wireless terminal side transmitting and receiving unit 205, a random number, image code, login for the synchronization process from the user wireless terminal 110 to the second terminal 120 (or financial transaction page or browser) Receives one or more information, and after the synchronization process, serves to receive financial transaction means information from the wireless terminal (110).
The second terminal side transceiver 215 according to the embodiment of the present invention transmits and receives various data or information with the second terminal 120 through the interface of the financial transaction page (or browser) of the second terminal 120. It plays a role.
According to the present invention, the second terminal side transceiver 215 receives one or more identification information and login information of the user wireless terminal 110 through the financial transaction page (or browser), the financial transaction page ( Or a browser) to output a random number or image code.
In addition, the second terminal side transceiver 215 does not input financial transaction means information provided by the wireless terminal 110 to the financial transaction page (or browser) directly from the financial transaction page operation server 125. In this case, the financial transaction means information of the wireless terminal 110 is transmitted to the financial transaction page (or browser) in conjunction with the following information processing unit 235, or the financial transaction means information is automatically transmitted to the financial transaction page (or browser). It serves to input.
The storage unit 210 according to an embodiment of the present invention, the wireless terminal 110 for synchronizing the financial transaction page (or browser) of the second terminal 120 that the user wireless terminal 110 is connected and used by the user. ) Identification information and second terminal 120 (or financial transaction page or browser) identification information, synchronization information such as random number, image code, login information, wireless terminal 110 identification information for synchronization processing and the wireless terminal 110 ) Stores the financial transaction information transmitted on the storage medium 105.
The
According to the present invention, the
According to another embodiment of the present invention, the
Here, the image code includes a one-dimensional barcode, a two-dimensional barcode, a three-dimensional barcode, a color code, and one or more two-dimensional barcodes, and the second terminal 120 by a direct encoding method. Wired / wirelessly storing identification information of the second terminal 120 (or financial transaction page or browser) by directly encoding the identification information of the (or financial transaction page or browser) or by a reference encoding method. URL (Uniform Resource Location) information on the Internet is encoded or included, or a part of identification information of the second terminal 120 (or financial transaction page or browser) is directly encoded by hybrid encoding. , URL (Uniform Resource Location) information on the wired and wireless Internet where the rest of the identification information of the second terminal 120 (or financial transaction page or browser) is stored It may include the luxury.
The method of generating an image code in the
Direct encoding is an image code generation method of directly encoding the identification information of the second terminal 120 (or financial transaction page or browser) in the image code, and the second terminal 120 (or financial transaction page or browser). When the identification information of satisfies a condition that can be included in one image code, the identification information of the second terminal 120 (or financial transaction page or browser) is directly included in the image code according to the policy of generating the image code. Image code generation method.
Accordingly, the financial transaction processing server 100 or the wireless terminal 110 that recognizes the directly encoded image code directly extracts identification information of the second terminal 120 (or the financial transaction page or browser) included in the image code. Can be utilized.
Reference encoding generates an image code for storing identification information of the second terminal 120 (or a financial transaction page or a browser) at a specific location on the wired / wireless internet, and processing the location information in a URL to be encoded and included in an image code. As a method, the financial transaction processing server 100 or the wireless terminal 110 recognizing the reference encoded image code accesses the URL on the wired / wireless Internet included in the image code to the second terminal 120 (or the financial transaction page or Browser's identification information can be checked and utilized.
Mixed encoding is a method of generating an image code by encoding some of the identification information of the second terminal 120 (or a financial transaction page or a browser) directly to an image code, and encoding some information by referring to the URL information where the information is stored. As such, the financial transaction processing server 100 or the wireless terminal 110 recognizing the mixed encoded image code extracts the direct information and the reference information included in the corresponding image code, and then the second terminal 120 (or the financial transaction page). Or the browser's identification information.
According to another embodiment of the present invention, the
According to another embodiment of the present invention, the
Thereafter, the
Authentication unit 225 according to the embodiment of the present invention, serves to process the validity authentication for the financial means information confirmed through the
According to the present invention, the authentication unit 225 transmits the financial transaction means information and the user information to the financial company server that issued the financial transaction means included in the financial transaction means information, the financial transaction means is the wireless terminal ( 110) Check whether the user is a financial transaction means and the soundness and validity of the financial transaction means.
The information processing unit 235 according to the embodiment of the present invention corresponds to the financial transaction means information authentication result through the authentication unit 225, the financial transaction page (accessed by the user second terminal 120 synchronized) ( Or a browser) to automatically input the financial means information.
The information processing unit 235 according to the present invention identifies the wireless terminal 110 on the storage medium 105 through the
In addition, the information processing unit 235, according to another embodiment of the present invention, the second terminal 120 connected to the identification information of the wireless terminal 110 on the storage medium 105 through the identification unit 220 (Or financial transaction page or browser) using the identification information, to check the financial transaction page operating server operating the financial transaction page (or browser) of the second terminal 120, and to the identified financial transaction page operation server The financial transaction means information may be provided, and the financial transaction means information may be automatically input to the financial transaction page (or a browser) through the financial transaction page operation server.
Application management unit 240 according to the embodiment of the present invention, is installed in the user wireless terminal 110, a specific random number or a specific image code output to the financial transaction page (or browser) connected to the user second terminal 120 Request to synchronize the financial transaction page (or browser) on the second terminal 120 connected by the user by transmitting the specific random number or the specific image code to the financial transaction processing server 100 on the communication network. And a function of selecting or inputting financial transaction means information, and transmitting the selected or input financial transaction means information to the financial transaction processing server 100 on a communication network to access the second terminal 120 of the user. It handles the distribution and management of an application that executes a function for requesting financial transaction information input from a transaction page (or a browser).
The
According to the present invention, one or more components of each of the components provided in the financial transaction processing server 100 may be configured in the form of a single program or a program set.
3 is a diagram illustrating an embodiment of a storage medium 105 according to an embodiment of the present invention.
According to FIG. 3, the wireless terminal 110 identification information and the second terminal 120 (or financial transaction page or browser) identification information on the storage medium 105, random numbers, image codes, login information, An embodiment of interconnecting and storing synchronization information such as identification information of the wireless terminal 110 and financial transaction means information transmitted from the wireless terminal 110 is shown.
That is, the storage medium 105, wireless terminal 110 identification information including one or more of the wireless terminal 110, the phone number, user information, a unique serial number, login information, and the like, and the second terminal 120 Identification information of the second terminal 120 (or financial transaction page or browser) including one or more of connected IP address information, terminal unique information, financial transaction page or browser URL information, user information, login information, and the like; Random number information, image code information, and the second terminal 120 output to the second terminal 120 browser to synchronize the financial transaction page (or browser) of the wireless terminal 110 and the second terminal 120 The second terminal 120 (or the financial transaction page or browser) by storing the user wireless terminal 110 identification information received through the browser and the synchronization information including one or more user login information are connected to each other. ) And a synchronization process between the wireless terminal 110 and the financial transaction information transmitted through the wireless terminal 110 is temporarily connected to the second terminal 120 (or financial transaction page or browser) identification information. By storing, the financial transaction information is automatically entered on the financial transaction page (or browser).
4 is a diagram illustrating a detailed configuration of a user wireless terminal 110 according to another embodiment of the present invention.
4 is a diagram of a wireless terminal 110 operating on a mobile communication system, which is applied to information processing according to the present invention. Although not shown in the drawing, the wireless terminal 110 has an external appearance in terms of hardware. It may include a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery, and the like, and may include all the functions and configurations of the wireless terminal 110 that can communicate with the present or future. .
Preferably, the main functional configuration of the wireless terminal 110 according to the present invention referring to the above-described hardware characteristics, the control unit 400, the
Referring to FIG. 4, the memory 460 stores an application installed in the wireless terminal 110 to perform an object according to the present invention.
Here, the memory 460 is a predetermined program routine (or code) for controlling the overall operation of the wireless terminal 110 and / or program data (for example, when the operation by the program routine (or code) is performed). A general term for a memory device that stores input and output information and / or data, and includes a read only memory (ROM) corresponding to a read-only memory, a flash memory (FM) capable of reading and writing, and an EEPROM (Electrically). Erasable and Programmable Read Only Memory).
In addition, the memory 460 may further include a USIM to IC chip. In this case, the USIM to IC chip may include a credit card, a check card, a debit card, a cash card, and a prepaid card which are information on a user's financial transaction means. One or more payment means information, or financial means information including the account information, or may be stored one or more user authentication information set to identify the payment means and financial means.
The
The camera unit 420 according to the embodiment of the present invention performs a role of photographing the image code output on the browser of the second terminal 120.
The output unit 450 according to an exemplary embodiment of the present invention performs a role of outputting various information or data on a screen, and optionally outputs the financial transaction means information.
The
According to the present invention, the
The financial transaction unit 430 according to the embodiment of the present invention performs a role of receiving or selecting financial transaction means information from the user of the wireless terminal 110 through the
The control unit 400 according to an embodiment of the present invention, a specific random number or a specific image code, login information, wireless terminal 110 identification information, etc. input through the
In addition, the control unit 400 according to an embodiment of the present invention serves to control the function of each component in the wireless terminal 110, it may be configured in the form of a program or application.
Meanwhile, all or some of the functions of the control unit 400, the
Hereinafter, the above-described financial transaction processing system is connected to the user wireless terminal 110 and the second terminal 120 through a communication network, so that the financial transaction means information provided in the wireless terminal 110 is connected to the second terminal 120. The process of automatically inputting the financial transaction page (or browser) accessed through the following will be described in more detail.
Here, the application performs the function and role of the component in the wireless terminal 110 of FIG. 4 described above, or may be described as a component name in a separate wireless terminal 110, or the name of the component is omitted, and the application It will be described as a process through.
5 is a diagram illustrating a synchronization process between a user wireless terminal 110 and a second terminal 120 using a specific random number according to an embodiment of the present invention.
First, the financial transaction processing server 100 generates a random number through the
Thereafter, the financial transaction processing server 100 connects the identification information of the second terminal 120 (or a financial transaction page or a browser) through which the random number information and the random number are output through a storage unit 210 to a storage medium ( Temporary storage on 105) (S515).
The second terminal 120 outputs a random number transmitted through the financial transaction processing server 100 on a financial transaction page (or a browser) accessed by the user (S520).
Thereafter, the user wireless terminal 110 receives the random number output on the financial transaction page (or the browser) of the second terminal 120 (S525), and then inputs the received random number information and the wireless terminal 110 identification information. The financial transaction processing server 100 transmits (S530).
Thereafter, the
When the random number information matching the random number information received from the wireless terminal 110 is present on the storage medium 105, the
If the random number information matching the random number information received from the wireless terminal 110 does not exist on the storage medium 105 (S550), the financial transaction processing server 100 generates an error message and the like. It transmits to the wireless terminal 110 (S555).
6 is a diagram illustrating a synchronization process between a user wireless terminal 110 and a second terminal 120 using an image code according to an embodiment of the present invention.
First, the financial transaction processing server 100 generates an image code including the identification information of the second terminal 120 (or a financial transaction page or a browser) through the
Thereafter, the financial transaction processing server 100 stores the image code information and the identification information of the second terminal 120 (or the financial transaction page or browser) through which the image code is output through the storage 210. Temporary storage on the medium 105 (S615).
The second terminal 120 outputs an image code transmitted through the financial transaction processing server 100 on a financial transaction page (or a browser) accessed by the user (S620).
Thereafter, the user wireless terminal 110 receives the image code output on the financial transaction page (or the browser) of the second terminal 120 through the camera unit 420 and receives the image code through the interface unit 410 ( S625), and transmits the received image code information and the wireless terminal 110 identification information to the financial transaction processing server 100 (S630).
Thereafter, the
Of course, the matching operation of the image code information may include a matching operation of a specific code included in the image code or identification information of the second terminal 120 (or a financial transaction page or a browser).
When the
If the image code information matching the image code information received from the wireless terminal 110 does not exist on the storage medium 105 (S650), the financial transaction processing server 100 may receive an error message or the like. It generates and transmits to the wireless terminal 110 (S655).
7 is a diagram illustrating a synchronization processing process between a user wireless terminal 110 and a second terminal 120 using identification information of the user wireless terminal 110 according to an embodiment of the present invention.
First, the financial transaction page (or browser) of the second terminal 120 receives the wireless terminal 110 identification information of the user from the user, and then the financial transaction processing server 100 receives the wireless terminal 110 identification information. Transfer to (S710).
Thereafter, the
Thereafter, the
8 is a diagram illustrating a synchronization process between a user wireless terminal 110 and a second terminal 120 using user login information.
First, the second terminal 120 financial transaction page (or browser) receives the login information from the user, and transmits the input login information to the financial transaction processing server 100 (S810), the wireless terminal 110 In addition, after receiving the login information from the user, and transmits the input login information to the financial transaction processing server 100 (S820).
Thereafter, the
As a result of the comparison of the user login information, if there is matching login information (S850), the identification information of the second terminal 120 (or the financial transaction page or the browser) that transmits the same login information and the wireless terminal 110 identification information Interconnecting the temporary storage in the storage medium 105, and the second terminal 120 (or financial transaction page or browser) and the wireless terminal 110 is synchronized with each other (S860).
If, as a result of the comparison of the user login information, there is no login information that matches each other (S870), the financial transaction processing server 100 generates an error message and the like and transmits it to the wireless terminal 110 (S880). .
Subsequently, after the synchronization process through FIGS. 5 to 8, the financial transaction page (or browser) of the second terminal 120 accessed by the user using the financial transaction means information transmitted through the user wireless terminal 110. A process of automatically inputting financial transaction information will be described with reference to FIG. 9.
FIG. 9 automatically displays financial transaction means information on a financial transaction page (or browser) accessed through the second terminal 120 using financial transaction means information provided by the wireless terminal 110 according to an embodiment of the present invention. Figure is a diagram illustrating a process of inputting.
First, the wireless terminal side transceiver 205 of the financial transaction processing server 100 receives the financial transaction means information and the wireless terminal 110 identification information from the user wireless terminal 110 (S910).
Thereafter, the financial transaction processing server 100 confirms the financial transaction means information through the
Thereafter, the information processing unit 235 of the financial transaction processing server 100 identifies the second terminal 120 (or the financial transaction page or browser) connected with the identification information of the wireless terminal 110 that transmitted the financial transaction means information. Check the information, and through this checks the financial transaction page (or browser) to enter the financial means information (S930).
If the financial transaction page (or browser) for inputting the financial transaction means information is not checked at step S930 (S940), the financial transaction processing server 100 generates an error message to the wireless terminal 110. It transmits (S950).
On the other hand, if the financial transaction page (or browser) to input the financial transaction means information in step (S930) is confirmed (S960), according to the embodiment of the present invention, the information processing unit 235 of the financial transaction processing server 100 ) Processes the financial transaction means information to be automatically input on the identified financial transaction page (or browser) (S970).
Here, the information processing unit 235, according to another embodiment of the present invention, the second terminal 120 connected to the identification information of the wireless terminal 110 on the storage medium 105 through the identification unit 220 (Or financial transaction page or browser) using the identification information, to check the financial transaction page operating server operating the financial transaction page (or browser) of the second terminal 120, and to the identified financial transaction page operation server The financial transaction means information may be provided and the financial transaction means information may be automatically input to the financial transaction page (or a browser) through the financial transaction page operation server (S970).
100: information processing server 110: user wireless terminal
120: second terminal 125: financial transaction page operation server
200: control unit 205: wireless terminal side transmission / reception unit
210: storage unit 215: second terminal side transmission / reception unit
220: verification unit 225: authentication unit
230: synchronization processing unit 235: information processing unit
240: application management unit
Claims (13)
Information receiving means for receiving financial transaction means information transmitted through the user wireless terminal;
And information processing means for processing the financial transaction means information transmitted from the user wireless terminal to be automatically input on the financial transaction page (or browser) synchronized with the user wireless terminal.
Financial transaction processing system further comprising an authentication processing means for authenticating the validity of the financial transaction means information transmitted through the user wireless terminal.
The user accesses the financial transaction page (or the browser) to the specific random number on the financial transaction page (or browser), and when the specific random number is received through the user wireless terminal, the user access financial transaction page (or browser) outputting the specific random number Information and the user wireless terminal information that transmits the specific random number by interconnecting and synchronizing, or
The user accesses a financial transaction page (or a browser) to which a specific image code is output, and when the specific image code is received through the user's wireless terminal, the user access financial transaction page which outputs the specific image code ( Or browser) information and the user's wireless terminal information transmitting the specific image code are interconnected to each other, or
When one or more identification information of the user wireless terminal is received through the financial transaction page (or browser) accessed by the user, the user wireless terminal information corresponding to the user wireless terminal identification information and the one or more information about the user wireless terminal Interconnect and synchronize user financial transaction page (or browser) information that has transmitted identifying information, or
If it is determined whether the same user is using the login information through the financial transaction page (or browser) accessed by the user and the login information through the user wireless terminal, the user access financial transaction page (or browser) information and the user wireless terminal A financial transaction processing system, characterized in that the information is interconnected and synchronized.
A verification unit that checks the financial transaction page (or browser) information associated with the wireless terminal identification information on the storage medium;
Transmitting unit for transmitting the financial transaction means information to the second terminal or the financial transaction page operation server to automatically input the financial transaction means information transmitted from the user wireless terminal on the financial transaction page (or browser) confirmed through the confirmation unit Financial transaction processing system comprising: a.
When the financial transaction means information transmitted from the user wireless terminal is processed to be automatically input on the financial transaction page (or browser) synchronized with the user wireless terminal, all or a part of the inputted financial transaction information is marked with an asterisk (* Or processing to output as a special character, or to process a portion of the input financial transaction information is deleted and output.
Payment method information including one or more credit, debit, debit, cash or prepaid cards, or
Financial transaction information, including account information; or
And a user authentication information set to identify the payment means and the financial transaction means.
Financial transaction processing system comprising at least one PC, IP-TV, home appliances.
Connecting identification information of a user wireless terminal synchronized with a server and identification information of the second terminal (or a financial transaction page or a browser) and storing the identification information on a storage medium;
Receiving financial transaction means information and wireless terminal identification information transmitted through the user wireless terminal from a server;
The server checks the identification information of the second terminal (or financial transaction page or browser) connected with the identification information of the wireless terminal through the storage medium, and the financial transaction means information transmitted from the user wireless terminal is checked. Processing to be transmitted to the second terminal (or financial transaction page or browser); financial transaction processing method comprising a.
Processing a specific random number to be output on a financial transaction page (or a browser) accessed by the user's second terminal;
And when the specific random number is received through the user wireless terminal, interconnecting and synchronizing user access financial transaction page (or browser) information outputting the specific random number with user wireless terminal information transmitting the specific random number. Financial transaction processing method characterized in that.
Processing a specific image code to be output on a financial transaction page (or a browser) to which the second user terminal is connected;
When the specific image code is received through the user wireless terminal, synchronizing the user access financial transaction page (or browser) information outputting the specific image code with the user wireless terminal information transmitting the specific image code. Financial transaction processing method comprising a.
Receiving one or more identification information of the user wireless terminal through a financial transaction page (or a browser) to which the second user terminal accesses;
And connecting and synchronizing user wireless terminal information corresponding to the received user wireless terminal identification information with user financial transaction page (or browser) information having transmitted one or more identification information of the user wireless terminal. Financial transaction processing method.
Financial transaction processing method comprising at least one PC, IP-TV, home appliances.
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KR1020110093454A KR20130029988A (en) | 2011-09-16 | 2011-09-16 | Recording medium, method and system for financial transactions processing |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
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CN103457943A (en) * | 2013-08-27 | 2013-12-18 | 小米科技有限责任公司 | Numerical value transferring method, terminals, server and system |
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
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CN103457943A (en) * | 2013-08-27 | 2013-12-18 | 小米科技有限责任公司 | Numerical value transferring method, terminals, server and system |
CN103457943B (en) * | 2013-08-27 | 2016-10-26 | 小米科技有限责任公司 | Numeric value transfer, terminal, server and system |
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