KR20160006497A - Certificate publishing method and financial server using a smart device - Google Patents

Abstract

The present invention relates to a method and a finance server for issuing an accredited certificate using a smart device. The method of issuing an accredited certificate using a smart device according to an embodiment of the present invention restricts a request procedure for the accredited certificate such that a user can request the issuance of the accredited certificate only at a counter of a business branch of a company. Therefore, damages due to a false issuance of the accredited certificate can be prevented. Also, a certification number for issuing the accredited certificate is verified by the smart device, which simplifies an issuance procedure of the accredited certificate.

Description

[0001] The present invention relates to a certificate issuing method and a financial server using a smart device,

Embodiments of the present invention relate to a method of issuing an authorized certificate using a smart device and a financial server.

As smart devices such as smart phones and tablet PCs become popular, banks offer smart banking services that enable their account customers to receive banking services using smart devices. The bank provides a smart banking application to implement the smart banking service, and the user of the smart device as the account customer installs the smart banking application in the smart device and executes the banking service by using the smart device.

In order to secure the electronic financial transaction information through the smart banking service, the smart banking application can access the smart banking service only for the account user who is identified by the login of the certificate using the authorized certificate or the ID login using the account user ID of the account user .

Embodiments provide a method of issuing an authorized certificate and a financial server using a smart device that can prevent a public certificate from being stolen by implementing a process by which an authorized certificate can be issued only through a branch office of a financial institution.

A method of issuing an authorized certificate using a smart device according to an exemplary embodiment includes receiving a request for issuing an authorized certificate from a financial server for issuing an authorized certificate and transmitting the received request for issuing the authorized certificate to an issuing server issuing the authorized certificate ; Receiving issuance confirmation information from the issuing server and generating an issuance authentication number corresponding to the received issuance confirmation information; Transmitting a message for issuing the authorized certificate to a smart device of a customer requesting issuance of the authorized certificate; Receiving an authentication number for issuing the authorized certificate from the smart device and determining whether the entered authentication number matches the issued authentication number; And transmitting the issuance confirmation information corresponding to the issuance authentication number to the smart device when the input authentication number matches the issuance authentication number.

The authorized certificate issuing request can be requested only at the window terminal of the financial institution by the request of the customer.

The issuance confirmation information may include a reference number and an authorization code.

The method for issuing the authorized certificate using the smart device may further include storing the received issuance confirmation information and the generated issuance authentication number in association with each other.

The generated issuance authentication number may be deleted when the validity period elapses or when the inputted authentication number does not coincide more than a predetermined number of times.

The message may include link information for executing the financial application of the smart device and displaying an authentication number input screen for issuing the authorized certificate.

The authorized certificate issuing request may include information of a smart device to which the message is to be transmitted.

In the smart device, the secret number of the authorized certificate may be registered in the issuing server according to the issuance confirmation information, and the authorized certificate may be issued.

In a method of issuing a public certificate using a smart device according to another embodiment, in a financial server for issuing the public certificate, a request for issuing a public certificate is issued. In the request for issuing the public certificate, only a request - sending a request for issuing the authorized certificate to the issuing server issuing the authorized certificate; Receiving issuance confirmation information from the issuing server and generating an issuance authentication number corresponding to the received issuance confirmation information; Receiving an authentication number for issuing the authorized certificate from the smart device and determining whether the entered authentication number matches the issued authentication number; And transmitting the issuance confirmation information corresponding to the issuance authentication number to the smart device when the input authentication number matches the issuance authentication number.

The financial server for issuing the authorized certificate using the smart device according to another embodiment receives the authorized certificate issuing request and transmits the received authorized certificate issuing request to the issuing server issuing the authorized certificate, An issuing unit for issuing issuing confirmation information; An authentication number generator for generating an issuance authentication number corresponding to the received issuance confirmation information; And transmitting a message for issuing the authorized certificate to a smart device of a customer requesting issuance of the authorized certificate, receiving an authentication number for issuing the authorized certificate from the smart device, And transmits the issuance confirmation information corresponding to the issuance authentication number to the smart device when the input authentication number matches the issuance authentication number.

The authorized certificate issuing request can be requested only at the window terminal of the financial institution by the request of the customer.

The issuance confirmation information may include a reference number and an authorization code.

The financial server may further include a storage unit for storing the received issuance confirmation information and the generated issuance authentication number in association with each other.

The generated issuance authentication number may be deleted when the validity period elapses or when the inputted authentication number does not coincide more than a predetermined number of times.

The message may include link information for executing the financial application of the smart device and displaying an authentication number input screen for issuing the authorized certificate.

The authorized certificate issuing request may include information of a smart device to which the message is to be transmitted.

And a recording medium recording a program for causing a computer to execute a method of issuing an authorized certificate using a smart device according to another embodiment.

1 is a schematic diagram for explaining a public key certificate issuing system 1 according to an embodiment.
2 is a schematic configuration diagram of the smart device 100 shown in FIG.
FIG. 3 is a schematic configuration diagram of the financial server 1300 shown in FIG.
4 is a signal flow diagram illustrating a method of issuing an authorized certificate using the smart device 100 according to another embodiment.
5A to 5C are exemplary views of a message for issuing a public certificate to the smart device 100 in the financial server 1300. [
6A and 6B are exemplary diagrams for explaining a process of requesting issuance of an authorized certificate in the smart device 100. FIG.
7 is a flowchart illustrating a method of issuing an authorized certificate according to another embodiment of the present invention.

These embodiments are capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the description. It is to be understood, however, that it is not intended to limit the scope of the specific embodiments but includes all transformations, equivalents, and alternatives falling within the spirit and scope of the disclosure disclosed. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description of the embodiments of the present invention,

The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by terms. Terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of the claims. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. Referring to the accompanying drawings, the same or corresponding elements are denoted by the same reference numerals, and a duplicate description thereof will be omitted.

1 is a schematic diagram for explaining a public key certificate issuing system 1 according to an embodiment. 1, an authorized certificate issuing system 1 includes a smart device 100, a bank window terminal 1100, a financial server 1300, and an issuance server 1400. The smart device 1, the bank window terminal 1100, the financial server 1300, and the financial server 1400 can be connected through the communication network 1500.

The smart device 100 is connected to the financial server 1300 so that financial transactions can be performed. Thus, the smart device 100 is equipped with a financial application for financial transactions or a smart banking application. The smart device 100 according to an exemplary embodiment may be a wireless device such as a smart phone, a smart pad, a PDA (Personal Digital Assistants), a laptop, a slate PC, And a personal computing device capable of executing the program. The communication network 1500 according to an exemplary embodiment of the present invention may be a wireless LAN, a Wi-Fi, a 3G, a 4G, a WiMAX, a WiBro, a wireless mesh network, a UWB Speed Downlink Packet Access), and includes a wired / wireless communication network.

The financial server 130 according to an embodiment provides a smart banking application so that account customers can use the smart banking service using the smart device 100. [ The financial server 130 accesses the smart banking application through a smart banking application, such as a deposit inquiry for an account linked to a smart banking service, a bank transfer, a transaction processing result through a financial settlement service, Banking service can be provided. The smart banking service provided through the smart banking application installed in the smart device 100 of the account customers can be used.

The smart banking application according to an embodiment provides an initial setting function for specifying a login mode or reconfiguring a start menu so that a customer, that is, a user of a smart banking service can be executed in a desired manner. The financial server 130 can store and manage the initial setting information designated according to the user's personal selection in receiving the smart banking service by using the smart device 100 by the user. Examples of the initial setting information include initial execution information, login mode information, start menu information, and the like. The initial execution information may indicate whether or not the smart banking application has been executed in the current smart device 100. The login mode information may indicate whether the user can log in using the certificate or the user ID whenever the smart banking application is executed. The start menu information may indicate a start menu that is initially displayed each time the smart banking application is executed. A certificate is an electronic signature certificate issued by an accredited certification authority and may include a public certificate. For example, accredited certification bodies are institutions such as Financial Supervisory Service, Korea Securities Computing, Korea Information Certification, Korea Computerization Agency, Korea Electronics Certification, and Korea Trade Information & Telecommunication. Specialized service areas are specialized for each certification body. In the case of financial institutions, KFTC provides services for bank Internet banking.

A procedure for issuing an authorized certificate according to the related art will be described.

The customer visits the branch office, confirms the identity of the customer at the branch office, and creates an electronic financial service application form. Then, smart banking application is executed on the smart device to select the certificate issuance menu, confirm agreement, resident registration number confirmation, withdrawal account number confirmation, account password confirmation, additional authentication, confirmation of transfer password, confirmation of security card or OTP password, And registration of the password for the storage of the authorized certificate, and so on.

In the issuance of the authorized certificate according to the embodiment, the customer visits the branch office, confirms the identity, creates the electronic financial service application, and requests the issuance of the authorized certificate window through the window terminal 1100. At this time, at the time of preparing the application, the information of the smart device 100 that issued the public certificate, for example, a telephone number, etc., is described. In addition, at the request of the customer, it is possible to apply for issuance of the official certificate only at the branch office.

In another embodiment, when a customer visits a branch office, executes a smart banking application using the smart device 100 of the customer, and issues an authorized certificate window issuance / reissue to the customer's smart device 100 when the authorized authentication center is selected Is provided. When the customer selects the issuance / re-issuance of the authorized certificate window, the authorized certificate to be used in the corresponding smart device 100 can be issued only after the customer himself / herself visits the branch office and the authentication number is provided at the window. In other words, the customer receives the certification number offline from the dealers' window and has the certification number for issuing the official certificate window. Then, the user can receive the official certificate through the smart device 100 by inputting the real name information for issuing the authorized certificate and inputting the authentication number provided at the dealership window.

The financial server 1300 performs a process of confirming the real name of the certificate issued by the window terminal 1100 and requests the financial server 1400 to apply for the certificate registration. Receives the reference number / authorization code for issuing the authorized certificate from the financial server 1400, and generates the issuance authorization number corresponding to the received reference number / authorization code. The customer is provided with the issuance authorization number generated at the branch office. The financial server 1300 transmits a message for issuing the authorized certificate to the smart device 100 registered by the customer.

In another embodiment, the customer may not apply for a message issuance at the branch office. In this case, the financial server 1400 executes the smart banking application in the smart device 100 and issues / renews the authorized certificate window in the public authentication center Provide a menu. Then, the customer can input the issuance authorization number received from the branch office.

The smart device 100 receives the message, selects the authorized certificate issuing guidance, and the smart banking application is automatically executed, and the user authentication screen for issuing the authorized certificate is displayed. The customer enters and confirms the issuance authorization number provided by the branch office. The financial server 1300 transmits the reference number / authorization code to the smart device 100 when the issuance authentication number inputted from the smart device 100 matches the generated issuance authentication number, And requests and completes issuing a public certificate to the financial server 1400 using a reference number / authorization code.

Since the issuance of the authorized certificate according to the present embodiment is a process for requesting issuance of the authorized certificate only at the dealership window, the issuance of the authorized certificate by the impersonation can be prevented. Since there are only two authorized certificate passwords, the user input process in the smart device can be simplified and user convenience can be enhanced as compared with the conventional technology.

Referring again to FIG. 1, the window terminal 1100 may be a terminal provided at a branch office of a financial institution, and is a terminal for processing a request for issuing an authorized certificate from a customer who visited a business branch. The financial server 1300 acts as a server of a financial institution connected to the window terminal 1100 of a branch office through an internal communication network and serves an authorized certificate issuance service in cooperation with the financial server 1400 do. The financial server 1400 may include an issuing organization that issues an authorized certificate, for example, a Korea Financial Telecommunications & Clearings Institute, Korea Securities Computing Corporation, Korea Information Authentication, Korea Computerization Agency, Korea Electronics Certification, Korea Trade &

2 is a schematic configuration diagram of the smart device 100 shown in FIG.

The smart device 100 may further include a control unit 101, a user input unit 110, a communication unit 120, a sensing unit 140, an A / V input unit 160, and a memory 170. The control unit 101 controls the overall operation of the smart device 100 and drives the smart banking application and transmits the authentication certificate issuing authentication number input through the smart device 100 to the financial server 1300 through the communication unit 120. [ . In addition, according to the reference number / authorization code received from the financial server 1300, the issuance server 1400 requests issuance of the authorized certificate and receives the authorized certificate.

 Hereinafter, the components will be described in order.

The user input unit 110 means a means for the user to input data for controlling the smart device 100. [ For example, the user input unit 110 may include a key pad, a dome switch, a touch pad (contact type capacitance type, pressure type resistive type, infrared ray detection type, surface ultrasonic wave conduction type, A tension measuring method, a piezo effect method, etc.), a jog wheel, a jog switch, and the like, but is not limited thereto.

The user input unit 110 can receive a user input. For example, the user input unit 100 may receive a user input for selecting a predetermined button corresponding to a content selection, a biometric information input selection, and an encryption / decryption request.

The output unit 120 is for outputting an audio signal, a video signal, or a vibration signal. The output unit 120 may include a display unit 121, an acoustic output unit 122, a vibration motor 123, and the like.

When the display unit 121 and the touch pad have a layer structure and are configured as a touch screen, the display unit 121 may be used as an input device in addition to the output device. The display unit 121 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, a three-dimensional display A 3D display, and an electrophoretic display. According to the embodiment of the smart device 100, the smart device 100 may include two or more display units 121. [ At this time, the two or more display units 121 may be arranged to face each other using a hinge.

The audio output unit 122 outputs audio data received from the communication unit 150 or stored in the memory 170. [ The sound output unit 122 outputs sound signals related to functions (e.g., call signal reception sound, message reception sound, alarm sound) performed in the smart device 100. [ The sound output unit 122 may include a speaker, a buzzer, and the like.

The vibration motor 123 can output a vibration signal. For example, the vibration motor 123 may output a vibration signal corresponding to an output of audio data or video data (e.g., a call signal reception tone, a message reception tone, etc.). In addition, the vibration motor 123 may output a vibration signal when a touch is input to the touch screen.

The control unit 101 controls the overall operation of the smart device 100. For example, the control unit 101 may include a user input unit 110, an output unit 120, a sensing unit 140, a communication unit 150, an A / V input unit 160 ) Can be generally controlled.

The sensing unit 140 may sense the state of the smart device 100 or the state around the smart device 100 and may transmit the sensed information to the control unit 101. [

The sensing unit 140 includes a magnetism sensor 141, an acceleration sensor 142, a temperature / humidity sensor 143, an infrared sensor 144, a gyroscope sensor 145, (GPS) 146, an air pressure sensor 147, a proximity sensor 148, and an RGB sensor (illuminance sensor) 149. However, the present invention is not limited thereto. The function of each sensor can be intuitively deduced from the name by those skilled in the art, so a detailed description will be omitted.

The communication unit 150 may include at least one component that allows communication between the smart device 100 and the external device 200 or between the smart device 100 and the server 300. [ For example, the communication unit 150 may include a short-range communication unit 151, a mobile communication unit 152, and a broadcast reception unit 153.

The short-range wireless communication unit 151 includes a Bluetooth communication unit, a BLE (Bluetooth Low Energy) communication unit, a Near Field Communication unit, a WLAN communication unit, a Zigbee communication unit, IrDA, an infrared data association) communication unit, a WFD (Wi-Fi Direct) communication unit, an UWB (ultra wideband) communication unit, an Ant + communication unit, and the like.

The mobile communication unit 152 transmits and receives radio signals to at least one of a base station, an external terminal, and a server on a mobile communication network. Here, the wireless signal may include various types of data depending on a voice call signal, a video call signal, or a text / multimedia message transmission / reception.

The broadcast receiving unit 153 receives broadcast signals and / or broadcast-related information from outside through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. The smart device 100 may not include the broadcast receiving unit 153 according to the embodiment.

The communication unit 150 can receive a call connection request from the external device 200. [

The A / V (Audio / Video) input unit 160 is for inputting an audio signal or a video signal, and may include a camera 161 and a microphone 162. The camera 161 can obtain an image frame such as a still image or a moving image through the image sensor in a video communication mode or a photographing mode. The image captured through the image sensor can be processed through the control unit 101 or a separate image processing unit (not shown).

The image frame processed by the camera 161 can be stored in the memory 170 or transmitted to the outside through the communication unit 150. [ The camera 161 may be equipped with two or more cameras according to the configuration of the terminal.

The microphone 162 receives an external acoustic signal and processes it as electrical voice data. For example, the microphone 162 may receive acoustic signals from an external device or speaker. The microphone 162 may use various noise reduction algorithms to remove noise generated in receiving an external sound signal.

The memory 170 may store a program for processing and control of the control unit 101 and may store data to be input / output (e.g., a plurality of menus, a plurality of first hierarchical submenus corresponding to each of the plurality of menus, A plurality of second layer submenus corresponding to each of the plurality of first layer submenus, and the like).

The memory 170 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (e.g., SD or XD memory), a RAM (Random Access Memory) SRAM (Static Random Access Memory), ROM (Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory) , An optical disc, and the like. The smart device 100 may also operate a web storage or a cloud server that performs a storage function of the memory 170 on the Internet.

The programs stored in the memory 170 may be classified into a plurality of modules according to their functions, for example, a UI module 171, a touch screen module 172, a notification module 173, .

The UI module 171 can provide a specialized UI, a GUI, and the like that are interlocked with the smart device 100 for each application. The touch screen module 172 senses a touch gesture on the user's touch screen and can transmit information on the touch gesture to the control unit 101. [ The touch screen module 172 according to an embodiment of the present invention can recognize and analyze the touch code. The touch screen module 172 may be configured as separate hardware including a controller.

Various sensors may be provided in or near the touch screen to sense the touch or near touch of the touch screen. An example of a sensor for sensing the touch of the touch screen is a tactile sensor. A tactile sensor is a sensor that detects the contact of a specific object with a degree or more that a person feels. The tactile sensor can detect various information such as the roughness of the contact surface, the rigidity of the contact object, and the temperature of the contact point.

In addition, a proximity sensor is an example of a sensor for sensing the touch of the touch screen.

The proximity sensor refers to a sensor that detects the presence or absence of an object approaching a predetermined detection surface or a nearby object without mechanical contact using the force of an electromagnetic field or infrared rays. Examples of proximity sensors include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor. The user's touch gestures can include tap, touch & hold, double tap, drag, panning, flick, drag and drop, swipe.

The notification module 173 may generate a signal for notifying the occurrence of an event of the smart device 100. [ Examples of events generated in the smart device 100 include call signal reception, message reception, key signal input, schedule notification, and the like. The notification module 173 may output a notification signal in the form of a video signal through the display unit 121 or may output a notification signal in the form of an audio signal through the sound output unit 122, It is possible to output a notification signal in the form of a vibration signal.

FIG. 3 is a schematic configuration diagram of the financial server 1300 shown in FIG.

3, the financial server 1300 includes an interface unit 1310, an authentication number generation unit 1320, and a control unit 1330.

The interface unit 1310 receives the authorized certificate issuing request from the counter terminal, transmits the received authorized certificate issuing request to the issuing server that issues the authorized certificate, and receives the issuing confirmation information from the issuing server. Here, the issuance confirmation information may include a reference number / authorization code. The reference number / authorization code corresponds to the temporary ID and the temporary password for the customer to issue a public certificate, and is information issued by the personalization agent. The customer can get a public certificate by entering the reference number, authorization code and setting the public certificate password.

The authentication number generator 1320 generates an issuance authentication number corresponding to the received issuance confirmation information. The authentication number generation unit 1320 generates the issuance authentication number so as to correspond to the received issuance confirmation information on a one-to-one basis. The authentication number can be 8 digits and can be generated through a random number generation algorithm. Here, the authentication number of eight digits is exemplified, but it is needless to say that it is possible to use a combination of various numbers, capital letters, and the like. Here, the authentication number can be set to be valid for an effective period of time, for example, 30 minutes, and can be deleted thereafter. Or if the authentication number is inconsistent with the authentication number input from the smart device for a predetermined number of times, for example, five times or more. Also, although not shown, the financial server 1300 may further include a storage unit (not shown) for matching the issuance confirmation information and the matched issuance authentication number in a one-to-one correspondence.

The control unit 1330 transmits a message for issuing the authorized certificate to the smart device of the customer who requested the issuance of the authorized certificate, receives the authentication number for issuing the authorized certificate from the smart device, And if the input authentication number matches the issuance authentication number, the issuance confirmation information corresponding to the issuance authentication number is transmitted to the smart device.

4 is a signal flow diagram illustrating a method of issuing an authorized certificate using the smart device 100 according to another embodiment.

Referring to FIG. 4, when a customer visits a branch office to apply for issuance of an authorized certificate, an application for issuing the authorized certificate is transmitted to the financial server 1300 through the window terminal 1100. The financial server 1300 requests the issuance server 1400 to apply for an authorized certificate registration. Issuer server 1400 sends a reference number / authorization code to financial server 1300. The financial server 1300 generates and stores a public certificate issuing authentication number matching the received reference number / authorization code. Here, although it is shown that the message is transmitted to the smart device 100 after the generation and storage, the smart device 100 can send a message for inputting the authentication certificate number to the smart device 100 at the time of generating the issuing authentication number. The customer is provided with the certificate issuing certification number at the branch office.

The financial server 1300 transmits a message including link information to the certificate issuing application page to the smart device 100 corresponding to the telephone number registered by the customer. As shown in FIG. 5A, the smart banking application is automatically executed, and guides the authorized certificate issuing information, as shown in FIG. 5B. In the smart device 100, when the message is confirmed, the smart banking application is automatically executed, and the authorized certificate user authentication screen is displayed. As shown in FIG. 5C, a screen for inputting the authentication number for issuing the authorized certificate is shown. When the authentication number is input in the smart device 100, the financial server 1300 checks whether the previously issued issuance authentication number matches the entered authentication number. If they match, the smart device 100 transmits a reference number / authorization code . When the smart device 100 inputs the reference number / authorization code and inputs the authentication certificate password, the issuance server 1400 issues the authentication certificate. As shown in FIG. 6A, when it is verified that the issuance authentication number matches in the financial server 1300, when the smart device 100 inputs the authorized certificate password twice, as shown in FIG. 6B, Can receive.

7 is a flowchart illustrating a method of issuing an authorized certificate according to another embodiment of the present invention.

Referring to FIG. 7, in step 700, a financial server for issuing a public certificate receives a certificate issuance request. The certificate issuance request can be applied only by the customer at the branch office, and the certificate issuance request includes the information of the smart device identifying the certification number, for example, a telephone number.

In step 702, the authorized certificate issuing request is transmitted to the issuing server. Here, the issuing server is a server operated by a certificate issuer, and in the case of a financial institution, it may be a issuing server of a financial institute.

In step 704, the issuance confirmation information is received from the issuing server. The issuance confirmation information includes a temporary ID / non-reference number / authorization code for issuing the authorized certificate.

In step 706, an issuance authentication number corresponding to the issuance confirmation information is generated. The financial server matches the issuance confirmation information received from the issuing server and generates an authentication number through a random number generation algorithm. Here, the authentication number may be an 8-digit number, but is not limited thereto.

In step 708, the smart device transmits a message for issuing the authorized certificate. The financial server transmits a message for authentication of the authorized certificate to the smart device of the customer corresponding to the telephone number previously applied. Here, the message may execute the smart banking application of the smart device, and may include the user authentication screen link information.

In step 710, an authentication number is input from the smart device.

In step 712, it is determined whether the generated issuance authentication number matches the entered authentication number.

If the generated issuance authentication number matches the entered authentication number in step 714, then in step 714, the issuance confirmation information corresponding to the issuance authentication number is transmitted to the smart device. The financial server compares the issuance authentication number generated in advance with the authentication number entered from the customer's smart device and confirms that they match.

In step 716, the smart device receives an authorized certificate using the issuance confirmation number.

In step 712, if the generated issuance authentication number does not match the input authentication number, it is determined in step 718 whether the number of inconsistencies is equal to or greater than a predetermined number. If the number of inconsistencies is equal to or greater than the predetermined number, the issuance authentication number is deleted in step 720, and the process ends. If the number of inconsistencies is smaller than the predetermined number, the authentication number is reentered in step 710. In this case, the issuing authentication number is deleted in the case of inconsistency. However, the present invention is not limited to this, and the issuing authentication number may be automatically deleted if the input and verification are not performed for a predetermined time, for example, after 30 minutes elapses.

The method of issuing the authorized certificate using the smart device according to the embodiment enables the issuance of the authorized certificate only at the dealers' window, thereby preventing the damage caused by the issuance of the authorized certificate, and verifying the authentication number for issuing the authorized certificate through the smart device , The procedure for issuing certificates can be simplified.

It will be understood by those skilled in the art that the block diagrams disclosed in this embodiment are conceptual representations of circuits for implementing the principles of this embodiment. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments can be implemented in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " control portion "or" portion "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor (DSP) hardware, (ROM), a random access memory (RAM), and a non-volatile storage device.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to one embodiment and various modifications of the phrase, means that a particular feature, structure, characteristic, etc., is included in at least one embodiment of the principles of the invention in connection with the embodiment. Thus, the appearances of the phrase "in one embodiment" and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist those of ordinary skill in the art in understanding the principles and concepts of the embodiments disclosed herein without departing from the essential characteristics of the embodiments It is to be understood that the invention may be embodied in various other forms without departing from the spirit or scope of the invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the embodiments is set forth in the appended claims rather than the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the embodiments.

Claims (17)

A method for issuing an authorized certificate using a smart device,
Receiving, at a financial server for issuing the authorized certificate, a request for issuing an authorized certificate and transmitting the received request for issuing the authorized certificate to an issuing server issuing the authorized certificate;
Receiving issuance confirmation information from the issuing server and generating an issuance authentication number corresponding to the received issuance confirmation information;
Transmitting a message for issuing the authorized certificate to a smart device of a customer requesting issuance of the authorized certificate;
Receiving an authentication number for issuing the authorized certificate from the smart device and determining whether the entered authentication number matches the issued authentication number; And
And transmitting the issuance authentication information corresponding to the issuance authentication number to the smart device when the input authentication number matches the issuance authentication number. The method according to claim 1,
The authorized certificate issuing request includes:
And requesting only from a window terminal of a financial institution according to the application of the customer. The method according to claim 1,
The issuance confirmation information includes:
A reference number, and an authorization code. The method according to claim 1,
And storing the received issuance confirmation information and the generated issuance authentication number in association with each other. The method according to claim 1,
Wherein the generated issuance authentication number is deleted when the validity period elapses or when the inputted authentication number does not coincide more than a predetermined number of times. The method according to claim 1,
The message comprises:
And a link information for executing a financial application of the smart device and displaying an authentication number input screen for issuing the authorized certificate. 3. The method of claim 2,
The authorized certificate issuing request includes:
And the information about the smart device to which the message is to be transmitted. The method according to claim 1,
In the smart device,
Wherein the certificate issuing server registers the password of the authorized certificate in the issuing server according to the issuance confirmation information, and then issues the authorized certificate. A method for issuing an authorized certificate using a smart device,
Wherein the issuance request of the authorized certificate is requested only from a window terminal of the financial institution by the request of the customer, and the request for issuing the authorized certificate is transmitted to the financial server for issuing the authorized certificate, To an issuing server that issues an issuance request;
Receiving issuance confirmation information from the issuing server and generating an issuance authentication number corresponding to the received issuance confirmation information;
Receiving an authentication number for issuing the authorized certificate from the smart device and determining whether the entered authentication number matches the issued authentication number; And
And transmitting the issuance authentication information corresponding to the issuance authentication number to the smart device when the input authentication number matches the issuance authentication number. 10. A recording medium on which a program for causing a computer to execute the method according to any one of claims 1 to 9 is recorded. A financial server for issuing an authorized certificate using a smart device,
An interface for receiving a public certificate issuing request, transmitting the received public certificate issuing request to an issuing server that issues the public certificate, and receiving issuance confirmation information from the issuing server;
An authentication number generator for generating an issuance authentication number corresponding to the received issuance confirmation information; And
A message for issuing the authorized certificate is transmitted to a smart device of a customer requesting issuance of the authorized certificate, an authentication number for issuing the authorized certificate is input from the smart device, and the received authentication number, And transmits the issuance confirmation information corresponding to the issuance authentication number to the smart device when the input authentication number matches the issuance authentication number. 12. The method of claim 11,
The authorized certificate issuing request includes:
Wherein the request is made only at the window terminal of the financial institution by the application of the customer. 12. The method of claim 11,
The issuance confirmation information includes:
A reference number, and an authorization code. 12. The method of claim 11,
And a storage unit for storing the received issuance confirmation information and the generated issuance authentication number in association with each other. 12. The method of claim 11,
Wherein the generated issuance authentication number is deleted when the expiration date of the validity period or the input authentication number is inconsistent for a predetermined number of times or more. 12. The method of claim 11,
The message comprises:
And a link information for executing a financial application of the smart device and displaying an authentication number input screen for issuing the authorized certificate. 12. The method of claim 11,
The authorized certificate issuing request includes:
And information of a smart device to which the message is to be transmitted.

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