KR20160004801A - System and method of mobile banking service using card reader - Google Patents

Abstract

The present invention relates to a mobile banking system and method using a card reader. The mobile banking system using a card reader according to an embodiment of the present invention comprises: a mobile terminal in which a financial transaction application for each of banks is installed; a card reader which is electrically connected to the mobile terminal, and which reads and provides, to the mobile terminal, financial information stored in a bank card of a specific bank selected from the banks; and a bank server which receives the financial information from the mobile terminal to carry out an approval process for customer identification and banking transaction requests and transmits a process result to the mobile terminal. According to the present invention, it is possible to read financial information stored in a bank card through a card reader during mobile banking, and to easily perform customer identification using the financial information.

Description

TECHNICAL FIELD [0001] The present invention relates to a mobile banking service system and a mobile banking service system using a card reader,

The present invention relates to a mobile banking service system and method, and more particularly, to a mobile banking service system and a mobile banking service system using a card reader capable of reading financial information stored in a bank card through a card reader, And methods.

With the advent of smart phones, not only telebanking but also internet banking has become available in mobile terminals. Users can connect to a bank server wherever they can access the Internet, conduct various financial transactions such as checking account information, transferring accounts, and trading stocks.

If you intend to conduct financial transactions using telephone banking or Internet banking, you must use a security card issued by a bank or an OTP (One Time Password) number. For example, when a user requests a financial transaction with a terminal device, a screen for requesting input of a code recorded in the security card may be displayed on the smartphone. The user can control the completion of the financial transaction by inputting the code required by the smartphone through the security card.

The overall process of mobile banking generally involves running a banking application and logging in through an official certificate. Thereafter, the counterpart account number and the transfer amount are input, the account transfer is performed, and the password is input. The security card or OTP number is entered next, and the process of checking the authorized certificate again to complete the account transfer is performed.

The mobile banking procedure described above is performed through various steps, and authentication is required through an official certificate or a security card from time to time, so that the procedure is troublesome and unnecessarily time consuming. The background art of the present invention is disclosed in Korean Patent Laid-Open Publication No. 10-2005-0030307 (published on March 30, 2005).

An object of the present invention is to provide a mobile banking service system and method using a card reader capable of reading financial information stored in a bank card through a card reader in mobile banking and easily performing authentication by using the same.

Another object of the present invention is to provide a mobile banking service system and method using a card reader that can easily perform banking operations in mobile banking through a simple process instead of a complicated process at various stages.

The problems to be solved by the present invention are not limited thereto, and other matters not mentioned can be clearly understood by those skilled in the art from the following description.

The present invention provides a mobile banking service system using a card reader. A mobile banking service system using a card reader according to an embodiment of the present invention includes a mobile terminal on which a financial transaction application of each bank is installed; A card reader electrically connected to the mobile terminal and reading financial information stored in a bank card of a specific bank selected from the banks and providing the read financial information to the mobile terminal; And a bank server for accepting the financial information from the mobile terminal and performing an approval process on the identity verification and the bank transaction request to transmit to the mobile terminal.

According to an embodiment of the present invention, the bank card includes at least one of a cash card, a debit card, and a check card associated with the free deposit / withdrawal type deposit account of the specific bank, and the financial information includes bank information of the deposit account, , Account number information, transferable amount information, transaction details information, card information, or cell phone number information of the account holder.

According to an embodiment of the present invention, the identity verification may be performed through at least one of the account holder information, the card information, and the mobile phone number information, and the bank transaction may include account transfer service and transaction history inquiry service have.

According to an example, the financial transaction application may receive a bank account account number, a transfer amount, and a preset password of the counter party in the account transfer business.

According to an example embodiment, the mobile terminal includes an audio port, and the card reader may be detachably coupled to the audio port so as to be able to read the IC card and / or the magnetic card.

In addition, the present invention provides a mobile banking service method using a card reader. The mobile banking service method using a card reader according to an embodiment of the present invention includes: an application driving step in which the financial transaction application of a specific bank selected in a mobile terminal having a plurality of financial transaction applications of each bank is driven; A card reader inserting step of inserting a card reader into an audio port of the mobile terminal; A card reading step of reading a bank card, such as a cash card, a debit card, or a check card, associated with the bankbook deposit account of the specific bank, to the card reader and providing financial information stored in the bank card to the mobile terminal; And performing an approval process for a bank server of the specific bank, which receives the financial information from the mobile terminal among the respective bank servers, to perform an approval process for the identity verification and the bank transaction request of the mobile terminal.

According to an embodiment, the financial information includes at least one of bank information, depositor information, account number information, transferable amount information, transaction details information, card information or cell phone number information of a depositor, The confirmation may be performed through at least one of the account holder information, the card information, or the mobile phone number information, and the bank transaction may include account transfer service and transaction history inquiry service of the deposit account book.

According to an example, a mobile banking service method using a card reader may further include a step of inputting bank transfer information in which the financial transaction application receives a bank account account number, a transfer amount, and a preset password of the counterpart during the account transfer business .

The mobile banking service system and method using the card reader according to the embodiment of the present invention can read the financial information stored in the bank card through the card reader at the time of mobile banking and can easily perform the identity authentication using the read financial information.

In addition, the mobile banking service system and method using the card reader according to the embodiment of the present invention can simplify the banking operation in mobile banking through a simple process instead of a complicated procedure at various stages.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate exemplary embodiments of the invention and, together with the description of the invention, It should not be construed as limited.
1 is a schematic block diagram of a mobile banking service system using a card reader according to an embodiment of the present invention.
FIG. 2 is a view showing a coupling relationship between the mobile terminal and the card reader of FIG. 1;
3 is a rear view of the card reader of Fig.
4 is a side view of the card reader of FIG.
FIG. 5 is a diagram showing the configuration of the mobile terminal and the card reader of FIG. 1;
6 to 8 are views illustrating a mobile banking service using a card reader according to an embodiment of the present invention.
9 is a schematic flowchart of a mobile banking service method using a card reader according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Each drawing has been partially or exaggerated for clarity. It should be noted that, in adding reference numerals to the constituent elements of the respective drawings, the same constituent elements are shown to have the same reference numerals as possible even if they are displayed on different drawings. 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.

FIG. 1 is a schematic block diagram of a mobile banking service system using a card reader according to an embodiment of the present invention. FIG. 2 is a diagram illustrating a relationship between a mobile terminal and a card reader of FIG. 1, FIG. 3 is a rear view of the card reader of FIG. 1, FIG. 4 is a side view of the card reader of FIG. 1, and FIG. 5 is a view showing the configuration of the mobile terminal and the card reader of FIG.

Referring to FIGS. 1 and 2, a mobile banking service system 10 using a card reader includes a mobile terminal 100, a card reader 200, and a bank server 300. Hereinafter, each configuration will be described in detail.

The mobile terminal 100 loads a financial transaction application (FA) of each bank, and the financial transaction application (FA) is driven according to the execution of the user.

The mobile terminal 100 is a communication terminal that can use a web service in a wired / wireless communication environment and means a communication terminal that transmits a bank transaction to each bank server 300 when the user requests a bank transaction.

The mobile terminal 100 is connected to the Internet via a wireless communication network using a browser for Internet connection such as a wireless application protocol (Internet access protocol), an HTML (Internet protocol) based on HTML using an HTTP protocol And is linked to each of the bank servers 300 connected to the Internet network.

When the user drives a web browser provided in the mobile terminal 100 or a financial transaction application (FA) of each bank, the mobile terminal 100 requests access to the respective bank servers 300 via the wireless communication network And the user interface is interlocked with the bank server 300, and then the user interface necessary for using the bank transaction service is loaded.

The communication network connects the mobile terminal 100 and each bank server 300. The communication network includes a base station, a wireless communication network, an inter-working function, a WAP gateway, and an Internet network. In addition, the communication network may include a 3G or Long Term Evolution (LTE) mobile communication network or a Wi-Fi (Wi-FI) capable of wireless Internet.

The mobile terminal 100 accesses the card reader 200 and receives the financial information FI stored in the bank card from the card reader 200 and transmits the financial information FI to the respective bank cards BC To the corresponding bank server 300.

5, the mobile terminal 100 includes an audio port 110, a card reader communication unit 120, a modem unit 130, a card data processing unit 140, a control unit 150, a user interface unit 160, And a communication unit 170.

An external device such as the audio jack 210 of the card reader 200 may be coupled to the audio port 110. That is, the audio jack 210 may be inserted into the audio port 110. The audio port 110 can exchange voice information, audio information, data, power, etc. with an external device.

The card reader communication unit 120 converts the analog data received through the audio port 110 into digital data and converts the digital data received from the modem unit 130 into analog data and transmits the analog data to the audio port 110 .

Demodulation unit 130 demodulates data received from the card reader communication unit 120 and modulates the data received from the card data processing unit 140 and transmits the data to the card reader communication unit 120. [

The card data processing unit 140 converts read data from a bank card (BC) received from the audio port 110 and converted into digital data by the card reader communication unit 120 and demodulated by the modulation / demodulation unit 130 It can be converted into a format according to the schedule standard and the specification of the settlement institution and provided to the control unit 150.

The user interface unit 160 may receive an input signal from a user and output an output signal to a user under the control of the control unit 150. [ The communication unit 170 may transmit and receive voice and data between the mobile terminal 100 and the communication network and / or the bank server 300 under the control of the control unit 150. [

1 to 4, the card reader 200 reads financial information FI, which is electrically connected to the mobile terminal 100 and stored in a bank card (BC) of a specific bank selected from the bank, and transmits the financial information FI to the mobile terminal 100 ).

As shown in FIG. 2, the mobile terminal 100 has an audio port 110. The mobile terminal 100 can read the financial information FI stored in the bank card BC through the card reader 200 detachably coupled to the audio port 110. [ Here, the audio port 110 may include an ear microphone port. The mobile terminal 100 can encrypt the read financial information FI and transmit it to the corresponding bank server 300. [

The financial transaction application (FA) running on the mobile terminal 100 may be a dedicated financial transaction application (FA) of a particular bank. Therefore, if a bank is changed and the bank card (BC) is a card of another bank, the financial transaction application (FA) of the changed bank may also be executed.

The bank card (BC) may include at least one of a cash card, a debit card, or a check card associated with a specific bank's free deposit and withdrawal account book. Therefore, here, the bank card (BC) is a card connected to a general account book that can be withdrawn from and withdrawn from a commercial bank at any time. It means that it is possible to easily deposit and withdraw money, transaction history inquiry or account transfer from a nearby automated teller machine do.

The financial information FI includes bank information I1 of the deposit bankbook, account holder information I2, account number information I3, transferable amount information I4, transaction details information I5, card information I6, And mobile phone number information I7 of the mobile terminal.

5, the card reader 200 includes an audio jack 210, a communication unit 220, a modulation / demodulation unit 230, a decoder 240, a card information reading unit 250, a control unit 260, 270).

2, the audio jack 210 may be coupled to the audio port 110 of the mobile terminal 100 to transmit and receive voice information, audio information, data, power, etc. with the mobile terminal 100. [ That is, in the present invention, the audio jack 210 of the card reader 200 can be easily and detachably coupled to the audio port 110 of the mobile terminal 100. Here, the audio jack 210 may include an earphone jack. Therefore, the mobile terminal 100 and the card reader 200 are electrically connected to each other and data transmission / reception can be easily performed. The card reader 200 can be provided to read both the magnetic card and / or the IC card. That is, the card reader 200 can be provided not only to read only the magnetic card or the IC card, but also to read both the magnetic card and the IC card.

The communication unit 220 may convert the analog data received through the audio jack 210 into digital data and transmit the digital data to the modem unit 230. The modem 230 demodulates the data received from the communication unit 220. [

The card information reading unit 250 can read the financial information FI encoded in the magnetic strip of the bank card or the IC chip. For example, the card information reading unit 250 may be a magnetic stripe reader (MSR). At this time, the financial information FI read from the magnetic strip reader can be transmitted to the decoder 240 in an unencrypted information state. The decoder 240 can convert the frequency signal, which is the financial information FI read from the card information reading unit 250, into the code information. As another example, the card information reading unit 250 may be an IC chip reader. The magnetic strip reader and the IC chip reader may be provided in a single card reader 200, respectively, in different positions.

The power supply unit 270 can supply power necessary for driving the card reader 200. [ The power supply unit 270 may be a variety of types of power supply units capable of supplying power to the card reader 200 stably by replacing or charging a general battery or a secondary battery.

Referring again to FIG. 1, each bank server 300 receives financial information FI stored in a bank card (BC) of the corresponding bank from the mobile terminal 100 and confirms identity and bank transaction requests And transmit it to the mobile terminal 100.

In other words, the bank server 300 receives the financial information FI from the mobile terminal 100. The bank server 300 may perform approval processing on the identity verification and bank transaction request from the mobile terminal 100 and transmit the approval processing to the mobile terminal 100. [

Here, the identity verification may be performed through at least one of identity information (PI) such as account holder information (I2), card information (I6) and / or mobile phone number information (I7) among financial information (FI).

The bank server 300 may perform identity authentication by collectively or step-by-step requesting the identity verification information (PI) through the mobile terminal 100 and comparing the identity verification information with the previously input identification information PI. The personal identification information PI requested by the bank server 300 may include at least one or all of the account holder information I2, the card information I6, and the mobile phone number information I7. The depositor information (I2) may include the name, resident registration number and address of the account holder. The card information I6 may include card number information I6-1, card validity period information I6-2, and / or card serial number information I6-3.

6 to 8 illustrate a mobile banking service using a card reader according to an embodiment of the present invention.

Referring to FIG. 6, the bank transaction may include an account transfer service (T1) of a deposit account and a transaction history inquiry service (T2). That is, as shown in FIG. 6, the financial transaction application (FA) executed in the mobile terminal 100 may be provided with a money transfer service (T1) and a transaction history inquiry service (T2) linked to a deposit account.

Referring to FIG. 7, a financial transaction application (FA) of the mobile terminal 100 may receive a resident registration number and / or a mobile phone number for identity verification.

Next, referring to FIG. 8, the financial transaction application (FA) can receive the bank account account number of the counterpart, the transfer amount, and the preset password at the account transfer business (T1). The financial transaction application FA requests the bank server 300 to process the account transfer service (T1) upon completion of inputting the bank account account number, the transfer amount, and the preset password of the other party.

The financial transaction application FA receives the range information (for example, 2014.1.1 to 2014.3.31, one month before the present date, etc.) for a certain period at the transaction history inquiry service (T2) And may transmit the transaction history information of the deposit account in the input period from the bank server 300 to the mobile terminal 100.

As described above, financial services such as account transfer service, account inquiry service, transaction processing result and transaction history inquiry service to a bank account of a specific bank are processed through a financial transaction application (FA) installed in the mobile terminal 100 . Therefore, although the present invention can not withdraw cash, it can be utilized as a personal ATM such as a bank transfer and inquiry service.

The bank account is the bank account of the bank server 300 at each bank. Information on the account such as the account number of the bank account of the merchant can be registered in the database of the bank server 300 in advance.

Each bank server 300 provides a respective bank's financial transaction application (FA) for the mobile terminal 100. The bank server 300 according to one embodiment can provide a financial transaction service such as a deposit inquiry or an account transfer to an account linked with a financial transaction service through a financial transaction application (FA) installed in the mobile terminal 100 have.

A mobile banking service method using a card reader when performing a banking service through a mobile banking service system 10 using a card reader having the above configuration will now be described.

9 is a schematic flowchart of a mobile banking service method using a card reader according to an embodiment of the present invention.

Referring to FIG. 9, a mobile banking service method using a card reader includes an application driving step S10, a card reader inserting step S20, a card reading step S30, a bank transfer information input step S40, Step S50.

First, in an application driving step (S10), a financial transaction application (FA) of a specific bank selected for using the corresponding bank card (BC) in a mobile terminal (100) in which a plurality of financial transaction applications (FA) .

Then, in the card reader inserting step S20, the card reader 200 is inserted into the audio port 110 of the mobile terminal 100. That is, the audio jack 210 of the card reader 200 is coupled to the audio port 110 of the mobile terminal 100 and electrically connected thereto.

Next, in a card reading step S30, a bank card BC, such as a cash card, a debit card or a check card, associated with a bank account of a specific bank, is read by a card reader 200, And provides the mobile terminal 100 with the financial information FI stored in the storage unit BC. The financial information FI includes bank information I1 of depositing bankbook, account holder information I2, account number information I3, transferable amount information I4, transaction details information I5, card information I6, And the mobile phone number information I7 of the mobile phone number.

In step S50, the bank server 300 of the specific bank receiving the financial information FI from the mobile terminal 100 identifies the identity of the mobile terminal 100, The approval process is performed for the bank transaction request.

The identity verification may be performed through at least one of account holder information I2, card information I6, or mobile phone number information I7. The bank transaction may include the account transfer service (T1) of the deposit account book and the transaction history inquiry service (T2).

In the account transfer information input step S40, the financial transaction application (FA) at the time of the account transfer business (T1) can receive the bank account account number, the transfer amount, and the preset password of the other party to receive the account transfer.

The respective steps are performed according to the detailed configuration of each component of the mobile banking service system 10 using the card reader according to the embodiment of the present invention.

In the mobile banking service method using the card reader, each of the above steps may be sequentially performed according to the order of the identification numbers. However, according to circumstances, a certain step with a slower identification number is performed before another specific step with a higher identification number It will be apparent to those skilled in the art that the invention may be practiced or practiced simultaneously.

The present invention having the above-described configuration and method can read financial information (FI) stored in a bank card (BC) through a card reader at the time of mobile banking, and can easily perform authentication by using the same. In addition, the present invention can simplify the banking operation in mobile banking through a simple process instead of a complicated procedure at various stages.

The foregoing description is merely illustrative of the technical idea of the present invention and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: Mobile banking service system using card reader
100: mobile terminal 110: audio port
200: Card reader 210: Audio jack
300: Bank server

Claims (8)

In a mobile banking service system,
A mobile terminal on which the financial transaction application of each bank is mounted;
A card reader electrically connected to the mobile terminal and reading financial information stored in a bank card of a specific bank selected from the banks and providing the read financial information to the mobile terminal; And
And a bank server for accepting the financial information from the mobile terminal and performing an approval process for the identity verification and the bank transaction request and transmitting the authentication request to the mobile terminal. The method according to claim 1,
Wherein the bank card includes at least one of a cash card, a debit card, and a check card associated with the free banknote deposit account of the specific bank,
Wherein the financial information includes at least one of bank information of the deposit bank account, depositor information, account number information, transferable amount information, transaction details information, card information, or mobile phone number information of the account holder, . 3. The method of claim 2,
Wherein the identity verification is performed through at least one of the account holder information, the card information, or the mobile phone number information,
Wherein the bank transaction includes a bank account transfer service and a transaction history inquiry service of the deposit account book. The method of claim 3,
Wherein the financial transaction application is a mobile banking service system using a card reader that receives a bank account account number of a counter party, a transfer amount, and a preset password at the account transfer business. The method according to claim 1,
The mobile terminal having an audio port,
Wherein the card reader is detachably coupled to the audio port and is provided to read the IC card and / or the magnetic card. In a mobile banking service method,
Operating an application in which the financial transaction application of a specific bank selected in a mobile terminal equipped with a plurality of financial transaction applications of each bank is driven;
A card reader inserting step of inserting a card reader into an audio port of the mobile terminal;
A card reading step of reading a bank card, such as a cash card, a debit card, or a check card, associated with the bankbook deposit account of the specific bank, to the card reader and providing financial information stored in the bank card to the mobile terminal; And
And performing approval processing for the identity verification and the bank transaction request of the mobile terminal by the bank server of the specific bank receiving the financial information from the mobile terminal among the respective bank servers, Using mobile banking service method. The method according to claim 6,
Wherein the financial information includes at least one of bank information, account holder information, account number information, transferable amount information, transaction details information, card information, or mobile phone number information of the account holder of the deposit account,
Wherein the identity verification is performed through at least one of the account holder information, the card information, or the mobile phone number information,
And the bank transaction includes the account transfer service and transaction history inquiry service of the deposit account book. 8. The method of claim 7,
Wherein the financial transaction application includes a bank transfer account information number, a transfer amount, and a pre-set password, and the account transfer information is input in the account transfer service.

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