KR20170126542A - Method for Providing Simple Member Registration by using Banking Application - Google Patents

Abstract

The present invention relates to a simple member registration method using a banking application. According to the present invention, the simple member registration method using a banking application is performed by a wireless terminal, and comprises: a first step where a banking application is driven (or activated) by an affiliated application when member registration using the banking application is selected by an m^th (1<=m<=M) affiliated application newly installed in the wireless terminal among M (M>=1) affiliated applications affiliated with the banking application; a second step where the banking application uses n (1<=n<=N) security authentication functions designated for member registration of the affiliated application among previously arranged N (N>=1) security authentication functions to perform a user identification authentication process to a designated authentication server; a third step where the banking application checks a one-time ticket received from the authentication server to identify and connect to the affiliated application when the user identification authentication is successful; a fourth step where the banking application checks an information providing agreement of a user to use the one-time ticket to share and provide user member information checked based on a result of the user identification authentication as member information of the affiliated application; and a fifth step where the banking application uses the one-time ticket to share and transfer the user member information to the affiliated application or shares and transfers the user member information to an affiliated server linked to the affiliated application by the one-time ticket.

Description

[0001] The present invention relates to a banking application,

The present invention relates to a method and apparatus for managing user identity information that has been authenticated and authenticated through a banking app when an affiliate application that uses a banking application for membership is newly installed in a wireless terminal and the affiliate app selects a member using a banking app, The user of the banking application is subscribed as a member of the affiliate by sharing and transmitting the membership information for membership of the affiliate corresponding to the application.

A method has been proposed in which membership information stored in a member-registered server is transmitted to another contracted server, and member registration is processed without inputting all member information at the time of member registration of another server (JP-A-10-2007- 0049388 (May 11, 2007) and 10-2007-0087382 (August 28, 2007)).

However, in the conventional method, if the user first agrees to share the member information with another server that is contracted with the server through the procedure of accepting the user's agreement upon joining the server, the user's member information is transferred to another contracted server By transmitting and storing the information in advance, even if the user inputs a part of the member information without inputting all the member information at the time of joining the member to the other server, the member joins the other server contracted by using the previously stored member information. Whether or not a member is subscribed to another server that is contracted with, the user's membership information is transmitted to another server in advance and stored. Even if the user has agreed to the agreement, it infringes on the privacy of the user and spreads the personal information indiscriminately. In addition, the conventional system has a restriction that the user can share the member information only with a specific server which is contracted first with the server at the time when the user first joins the server, and can not share member information with other servers.

In order to solve the above-described problems, an object of the present invention is to provide a banking service providing system, which is capable of providing a banking service in a case where an affiliate application using a banking app is newly installed in a wireless terminal, The user's member information confirmed through authentication is shared and transmitted as member information for joining a member of an affiliate corresponding to the affiliate app, thereby allowing a user of the banking app installed in the wireless terminal to be a member of an affiliate partner corresponding to an affiliate app newly installed in the wireless terminal And a method of joining a simple member using a banking app for performing an affiliation process.

A simple membership subscription method using a banking app according to the present invention is a method executed by a wireless terminal, the method comprising the steps of: selecting one of M (M? 1) M), a banking application is activated (or activated) by the affiliate application when a member subscription is selected using a banking application in the affiliate app of the banking application, A second step of performing a user identification authentication procedure with a specified authentication server using n (1? N? N) security authentication functions designated for membership of an affiliate application among authentication functions; A third step of confirming a one-time ticket issued by the banking application from the authentication server in order to identify the affiliated app with the affiliated app; and a third step of allowing the banking app to send the confirmed user membership information based on the result of the user identification authentication to the one- To A fourth step of confirming the information providing consent of the user for sharing and providing the membership information of the affiliate application; and a step of checking, when confirming the information providing consent of the user, the banking app, And a fifth step of delivering the user's membership information to a partner server connected to the affiliate app through the one-time ticket or sharing the user's membership information with the affiliate app.

According to the present invention, the first step may further include the step of receiving a disposable ticket to identify the banking app from the designated authentication server to identify the affiliated app.

According to the present invention, the disposable ticket can also be issued as an affiliate app that activates (or activates) the banking app through the authentication server.

According to the present invention, the simple membership subscription method using the banking application may further include the step of, when the user identification authentication succeeds, issuing a one-time ticket to the banking app in order to identify the affiliated application from the specified authentication server .

According to the present invention, the simple membership subscription method using the banking app further includes checking the user's membership information corresponding to the user who has successfully authenticated the banking app through the authentication server when the user identification authentication succeeds .

According to the present invention, the user's membership information may be stored in the authentication server for a predetermined time in association with the one-time ticket.

According to the present invention, the method further includes a step of the banking app performing the real name authentication procedure of the user through the confirmed user member information to confirm the real name authentication result of the user can do.

According to the present invention, the simple membership subscription method using the banking app is a method in which, when confirming the information providing consent of the user, the banking app transmits, through the confirmed user member information, And confirming the user's real name authentication result by performing an authentication procedure.

According to another aspect of the present invention, there is provided a method of joining a member using a banking app, the method comprising: confirming whether the banking application performs an account information registration procedure for easy settlement of the affiliate application; And registering the user account information confirmed through the user member information as the account information for the simple settlement of the affiliate app.

According to the present invention, the user account information may be registered in association with the user's membership information on a storage medium of an affiliate server connected to the affiliate app.

According to the present invention, the user account information is registered in association with an identification code unique to a storage medium of a banking server associated with the banking app, and the identification code is stored in a storage medium of an affiliate server linked to the affiliate app, May be registered in association with the member information.

According to the present invention, instead of simply sharing membership information, when an affiliate application affiliated with a banking app is newly installed (or reinstalled) in a user wireless terminal, sharing of membership information between apps and apps or sharing of membership information between apps and servers (Or reinstalled) to a wireless terminal through a secure and convenient way to join affiliate apps.

According to the present invention, when an affiliate application affiliated with a banking app is newly installed (or reinstalled) in a user wireless terminal, a new installation (or reinstallation) is performed through user authentication using the most secure and safe banking app among existing applications. (Or reinstalled) by registering with affiliate apps that have been newly installed (or reinstalled) in the wireless terminal, it is the safest and safest way to handle membership registration.

1 is a diagram illustrating a functional configuration of a wireless terminal, a banking app, and an affiliate app according to an embodiment of the present invention.
2 is a diagram illustrating a process of identifying and authenticating a user through a banking app for a simple membership according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of sharing and transferring user's membership information to an affiliate application (or an affiliate server) according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a process of sharing user registration information with an affiliate app (or an affiliate server) according to another embodiment of the present invention and registering the same.
5 is a diagram illustrating a process of registering account information for easy payment of an affiliate app according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. 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 other words, the following embodiments correspond to the preferred embodiment of the present invention, which is a preferred embodiment of the present invention. In the following embodiments, specific configurations may be omitted, or functions implemented in specific configurations may be referred to as specific configurations It is to be clearly understood that the embodiments that divide or separate the functions embodied in two or more configurations into one configuration are all within the scope of the present invention unless otherwise mentioned in the following embodiments. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of 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 idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a functional configuration of a wireless terminal 100, a banking application 135, and an affiliate application 110 according to an embodiment of the present invention.

More specifically, FIG. 1 illustrates a case where a membership application using the banking application 135 is selected in the affiliated application 110 when the affiliated application 110 using the banking application 135 is newly installed in the wireless terminal 100 The present invention is not limited to the description of the functional configuration of the wireless terminal 100 in which the user identification information is authenticated through the city banking application 135 and is shared with the member information of the affiliate application 110, Those skilled in the art will be able to refer to and / or modify the FIGURE 1 to derive various implementations of the functionality of the wireless terminal 100, but the present invention includes all of the above- And the technical features thereof are not limited only by the method shown in FIG. Preferably, the wireless terminal 100 of FIG. 1 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

1, the wireless terminal 100 includes a control unit 101, a memory unit 108, a screen output unit 102, a user input unit 103, a sound processing unit 104, a local area network communication unit 105, A wireless network communication unit 106, a USIM reader unit 107, and a USIM, and has a battery for power supply.

The control unit 101 is a general term for controlling the operation of the wireless terminal 100. The control unit 101 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 101 loads at least one program code provided in the wireless terminal 100 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 100. FIG. Hereinafter, the configurations of the banking application 135 and the cooperative application 110 according to the present invention, which are realized in the form of program code, will be described in the control unit 101. FIG.

The memory unit 108 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 100 and includes at least one program code executed through the control unit 101 and at least one Save and maintain the dataset. The memory unit 108 basically comprises a system program code and a system data set corresponding to the operating system of the wireless terminal 100, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 100, The program code and data set corresponding to the banking application 135 and the affiliate application 110 of the present invention are also stored in the memory unit 108. [

The screen output unit 102 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) and a driving module for driving the screen output unit 102. The screen output unit 102 is connected to the control unit 101, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 103 is composed of one or more user input devices (e.g., a button, a keypad, a touch pad, a touch screen interlocked with the screen output unit 102) and a drive module for driving the same. And inputs a command for instructing various operations of the control unit 101 or data necessary for the operation of the control unit 101. [

The sound processing unit 104 includes a speaker, a microphone, and a driving module for driving the speaker. The sound processing unit 104 decodes sound data corresponding to a sound output from various calculation results of the control unit 101 and outputs the sound data through the speaker Or a sound signal input through the microphone, and transmits the encoded sound signal to the control unit 101.

The wireless network communication unit 106 and the local area network communication unit 105 are collectively referred to as communication resources for connecting the wireless terminal 100 to a designated communication network. The wireless terminal 100 may include a wireless network communication unit 106 as a basic communication resource, and may include one or more short-range network communication units 105.

The wireless network communication unit 106 collectively refers to a communication resource for connecting the wireless terminal 100 to a wireless communication network via a base station. The wireless communication unit 106 includes an antenna, an RF module, a baseband module, Processing module, and is connected to the control unit 101 to transmit operation results corresponding to wireless communication among various operation results of the control unit 101 through a wireless communication network or receive data through a wireless communication network To the control unit 101, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 106 can connect the wireless terminal 100 to a communication network including a communication channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 106 is a mobile communication unit that performs at least one connection, a location registration, a call processing, a call connection, a data communication, and a handoff to a mobile communication network according to the CDMA / WCDMA / &Lt; / RTI &gt; Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 106 may further comprise a portable Internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 106. [ That is, the wireless network communication unit 106 is a general term for a configuration unit that accesses a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 105 is a generic name of communication resources for connecting a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connecting the wireless terminal 100 to the communication network based on the communication session , The wireless terminal 100 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the local area network communication unit 105 may be integrated with or separated from the wireless network communication unit 106. According to the present invention, the short-range network communication unit 105 connects the wireless terminal 100 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 107 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module that is mounted or detached from the wireless terminal 100 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card provided with an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 107, (Or processing) the program code for the IC chip or extracting (or processing) the data set in accordance with at least one command transmitted from the wireless terminal 100 in connection with the input / output interface To the input / output interface.

The control unit 101 downloads and installs a banking application 135 provided by a designated financial institution from a designated application providing server (for example, an Apple App Store or the like) through a data network connectable via the communication resource according to a user operation , And execute the installed banking application 135. Preferably, the banking application 135 may communicate with a designated authentication server 195 on the network and / or with a banking server through a data network connectable via the communication resource.

According to an embodiment of the present invention, the banking application 135 may be associated with M (M? 1) affiliate applications 110 for easy member registration according to the present invention, (1? M? M) corresponding to one of the M affiliated applications 110 from the application providing server according to the m-th affiliated application 110 ) Can be initiated for the first time (or before the membership registration) according to the present invention. Preferably, the affiliate app 110 may communicate with a designated affiliate server 190 on the network via a data network accessible via the communication resource.

Referring to FIG. 1, an affiliate application 110 of the wireless terminal 100 includes a subscription selection unit 115 that selects subscription through a designated banking application 135, An application confirmation unit 120 for checking whether the banking application 135 is installed in the wireless terminal 100 when the subscription is selected and a banking application 135 And the application driver 125 may be configured to download the banking application 135 if the banking application 135 specified in the wireless terminal 100 is not installed You can perform additional procedures to induce installation. Meanwhile, the affiliated application 110 performs a procedure of the affiliate application 110 for the simple membership in cooperation with the banking application 135, or receives the result of the simple membership registration from the banking application 135, And a subscription procedure unit 130 for receiving and outputting the result of the simple membership subscription. According to another embodiment of the present invention, at least one component of the subscription selection unit 115, the application confirmation unit 120, the application driver 125, and the subscription procedure unit 130 may be a designated server (e.g., an affiliate server (For example, the browser function of the affiliate application 110 or the browser provided in the wireless terminal 100) from the authentication server 195 or the designated web server In this case, at least one of the subscription selecting unit 115, the application checking unit 120, the application driving unit 125, and the subscription processing unit 130 may include a tag string in the web page and / The present invention can be embodied in the form of a script code, and it is evident that the present invention includes embodiments using a web page as described above.

M (1? M? M) affiliate applications 110 corresponding to any one of the M (M? 1) affiliate applications 110 affiliated with the designated banking application 135 can receive user wireless And downloaded to the terminal 100. The subscription selecting unit 115 may refer to a specific data file associated with the affiliated application 110 when the affiliated application 110 is downloaded to the wireless terminal 100 and then executed (or executed before membership registration) / Or the affiliate server 190 to check whether the affiliated application 110 is in a user-registered state or an un-registered state. If the affiliate application 110 is in a non-registered state or a member is required for a designated service of the affiliated application 110, the affiliation selection unit 115 displays an interface screen for membership registration, And an interface for selecting a subscription through the designated banking application 135 can be displayed.

If subscription through the designated banking application 135 is selected through the subscription selecting unit 115, the application checking unit 120 notifies the mobile terminal 100 of a banking application 135) is installed and checked. If the banking application 135 specified in the wireless terminal 100 is not installed, the application driver 125 induces the user to download the banking application 135 from the designated application providing server. In this case, the banking application 135 is downloaded to the wireless terminal 100, and then performs a membership procedure according to a specified procedure.

Meanwhile, when the banking application 135 specified in the wireless terminal 100 is installed, the application driver 125 executes the designated banking application 135 installed in the wireless terminal 100 to be driven and operated, When the application 135 is in the background state, the banking application 135 is activated and processes the banking application 135 to be displayed through the screen output unit 102 of the wireless terminal 100. [

According to the embodiment of the present invention, the application driver 125 may transmit a parameter designated to the banking application 135 in the process of activating (or activating) the banking application 135. [ Preferably, the application driver 125 transmits a recognizable parameter to be activated (or activated) through the affiliated application 110 to the banking application 135 and / or transmits the recognized parameter to the banking application 135 (E.g., N (N &gt; = 1) security authentication functions provided in the banking application 135) for transferring identification / perceptible parameters to the banking application 135 and / An interface that uses the secure authentication function to be used for membership of the middleware application 110).

Referring to FIG. 1, a banking application 135 of the wireless terminal 100 may be activated (or activated) through the affiliated application 110 and may be activated (or activated) through an affiliated application 110 The affiliated application 110 is activated (or activated) by the banking application 135. When the affiliated application 110 is activated (or activated) from the authentication server 195, And a ticket issuing unit 145 for issuing a disposable ticket for mutual identification and identification. According to another embodiment of the present invention, the ticket issuing unit 145 receives the ticket from the designated server (for example, the authentication server 195 or a banking server or a designated web server linked with the banking application 135) (For example, a browser function of the banking application 135 or a browser provided in the wireless terminal 100). In this case, the ticket issuing unit 145 may issue a tag string And / or in the form of script code, and that the present invention also encompasses embodiments utilizing such web pages.

The banking application 135 can be activated (or activated) through any one of the M affiliated applications 110 installed in the wireless terminal 100 and operated through an affiliate application 110 that is executed first (or before membership registration) , The drive confirmation unit 140 checks whether the affiliated app 110 is activated (or activated) when the banking app 135 is activated (or activated). For example, the drive confirmation unit 140 may read the parameter that is input at the time of starting the banking application 135 to check whether the banking application 135 is activated (or activated) through the affiliated application 110 have.

According to the first ticket issuing embodiment of the present invention, when it is confirmed that the banking application 135 has driven (or activated) the affiliated application 110 through the drive confirmation unit 140, The issuing unit 145 may receive a disposable ticket for identifying the cooperative application 110 from the designated authentication server 195. [ The ticket issuing unit 145 communicates with the designated authentication server 195 and transmits terminal information related to the wireless terminal 100 in which the banking application 135 and the affiliate application 110 are installed and / And transmits the information related to the affiliate application 110 that processes the subscription in cooperation with the banking application 135 to the designated authentication server 195 and transmits the information related to the affiliated application 110 from the authentication server 195 to the banking application 135. [ While the application 135 and the affiliated application 110 cooperate with each other to process the simple membership subscription, the banking application 135 and the affiliated application 110 identify one another and provide a one-time ticket for real- It is issued. Preferably, the disposable ticket is generated (or determined) in the form of a unique code value that is not duplicated through the authentication server 195 communicating with the ticket issuing unit 145, (135) and an associated application (110). For example, the subscription procedure unit 130 of the affiliated application 110 may receive the one-time ticket from the authentication server 195. [

Referring to FIG. 1, the banking application 135 of the wireless terminal 100 receives N (N (N)) when the banking application 135 is activated (or activated) (1? N? N) security authentication functions specified in the subscription of the affiliate app 110 among the security authentication functions? 1,? 1) And a member information identifying unit 160 for checking the user's membership information corresponding to the authenticated user through the authentication server 195 according to an embodiment of the present invention. According to another embodiment of the present invention, at least one component of the user authentication unit 150 and the member information confirmation unit 160 may be a banking application (for example, an authentication server 195 or a banking application 135) A Web page provided to the wireless terminal 100 (e.g., a browser function of the banking application 135 or a browser provided in the wireless terminal 100) from a server or a designated web server, At least one component of the user authentication unit 150 and the member information confirmation unit 160 may be implemented in the form of a tag string and / or a script code in the web page. The present invention also includes embodiments using the web page I will make it clear.

If the banking application 135 is confirmed to have activated (or activated) the affiliated application 110 through the drive confirmation unit 140, the user authentication unit 150 may receive the banking application 135, (1 &lt; / = N) specified to be used for membership of the affiliated application 110 among N (N &gt; = 1) security authentication functions (e.g., authentication certificate function, OTP authentication function, n &lt; = N) security authentication functions. For example, the user authentication unit 150 may perform a user identification authentication procedure with a designated authentication server 195 using a public key certificate authentication function provided in the banking application 135.

When the user using the banking application 135 is identified and authenticated through the user authentication unit 150, the member information verification unit 160 receives the authentication information of the user corresponding to the authenticated user from the authentication server 195 Member information can be received and displayed on the screen.

Meanwhile, when a one-time ticket for the banking application 135 is issued through the ticket issuing unit 145, the authentication server 195, if the user is identified and authenticated, (For example, stored for a predetermined period of time), and the membership information confirmation unit 160 may identify the user information and the disposable ticket by using the disposable ticket, The member information can be received from the server 195 and displayed on the screen. Meanwhile, the user's membership information mapped with the disposable ticket may be provided to the affiliated app 110 through the one-time ticket.

Referring to FIG. 1, the banking application 135 of the wireless terminal 100 receives a disposable ticket issued from an authentication server 195 designated to identify itself with the affiliated app 110, And a ticket issuing unit 145 for issuing a disposable ticket for identifying and cooperating with the affiliated app 110 from the designated authentication server 195. The ticket issuing unit 145 includes a ticket issuing unit 145, The ticket confirming unit 155 can confirm the disposable ticket at any time and belongs to the scope of the present invention if the disposable ticket is confirmed at the time when the disposable ticket is needed. According to another embodiment of the present invention, at least one of the ticket validation unit 155 and the ticket issuing unit 145 may include a banking server 135 linked to a designated server (e.g., the authentication server 195 or the banking application 135) (For example, a browser function of the banking application 135 or a browser provided in the wireless terminal 100) from a designated web server (or a designated web server). In this case, At least one component of the confirmation unit 155 and the ticket issuing unit 145 may be implemented in the form of a tag string and / or a script code in the web page. The present invention also includes embodiments using the web page I clarify it clearly.

When the user of the banking application 135 is identified and authenticated through the user authentication unit 150, the ticket checking unit 155 checks the ticket issuing unit 135 at the time of activating (or activating) the banking application 135, The one-off ticket issued from the authentication server 195 designated by the user is checked in step 145, and the confirmed one-time ticket is used in the process of linking with the affiliated application 110 in the future. According to another embodiment of the present invention, the disposable ticket can be issued as a result of user identification authentication.

According to the second ticket issuing embodiment of the present invention, when the banking application 135 performs the user identification authentication procedure to the designated authentication server 195 using the designated security authentication function and succeeds in user identification authentication, The server 145 may receive a disposable ticket from the designated authentication server 195 to identify the cooperating app 110 with the cooperating app 110. The ticket issuing unit 145 communicates with the designated authentication server 195 and transmits the terminal information related to the wireless terminal 100 in which the banking application 135 and the affiliated application 110 are installed and / The information related to the application 135 related to the application 135 and / or the affiliated application 110 that processes the affiliation with the banking application 135, to the designated authentication server 195, The banking application 135 and the affiliated application 110 interoperate with each other to process a simple membership subscription so that the banking application 135 and the affiliated application 110 can identify each other and operate in real- A one-time ticket is issued. Preferably, the disposable ticket is generated (or determined) in the form of a unique code value that is not duplicated through the authentication server 195 communicating with the ticket issuing unit 145, (135) and an associated application (110). For example, the subscription procedure unit 130 of the affiliated application 110 may receive the one-time ticket from the authentication server 195. [ The ticket confirming unit 155 confirms the disposable ticket issued from the designated authentication server 195 through the ticket issuing unit 145. The confirmed disposable ticket is used in the process of interlocking with the affiliated app 110 do.

When the user is identified and authenticated in the authentication server 195, the authentication server 195 confirms the user's membership information for the authenticated user, and the authentication server 195 analyzes the banking application When the disposable ticket is issued to the authentication server 135, the authentication server 195 can manage (store) the identified user membership information and the issued disposable ticket by mapping and storing the disposable ticket.

According to the first simple membership enrollment embodiment of the present invention, user membership information identified as a result of user identification authentication via a designated banking app 135 is sent to the affiliate app 110 (or to an affiliate server 110 associated with the affiliate app 110) (190), the membership of the affiliated application 110 can be completed.

According to the second exemplary embodiment of the present invention, after performing the real name authentication procedure for the user using the user member information confirmed as a result of the user identification authentication through the designated banking application 135, And the user member information is shared and transferred to the affiliate application 110 (or the affiliate server 190 linked to the affiliate application 110), the affiliation of the affiliated application 110 can be completed.

In accordance with the third simple membership embodiment of the present invention, user membership information identified as a result of user identification authentication via a designated banking application 135 is sent to the affiliate app 110 (or to an affiliate server 110 associated with the affiliate app 110) (190), and registering the user account information confirmed through the banking application (135) as the account information for the simple payment of the affiliated application (110) using the user member information, 110 may be completed.

According to the fourth simple membership application embodiment of the present invention, after performing the real name authentication process for the user using the user member information confirmed as a result of the user identification authentication through the designated banking application 135, And the user member information to the affiliate app 110 (or the affiliate server 190 linked to the affiliate app 110) and transmits the user account information confirmed through the banking application 135 using the user member information Can be registered as the account information for the simple settlement of the affiliated application 110 by completing the membership of the affiliated application 110. [

Referring to FIG. 1, the banking application 135 of the wireless terminal 100, when real name authentication of a user is required for subscription to a simple membership, displays the user's membership information corresponding to the authenticated user through the authentication server 195 And a real name authentication processing unit 165 for performing a real name authentication procedure of the user through the identified user member information to confirm the real name authentication result of the user. According to another embodiment of the present invention, at least one of the member information verifying unit 160 and the real name authentication sharing unit includes at least one of a banking server linked to a designated server (e.g., the authentication server 195 or the banking application 135) (For example, a browser function of the banking application 135 or a browser provided in the wireless terminal 100) from a designated web server (e.g., a designated web server). In this case, At least one of the verification unit 160 and the real name authentication sharing unit may be implemented in the form of a tag string and / or a script code in the web page, and the present invention clearly discloses that the web page is also used in the embodiment I will.

When the real name authentication of the user is required to process membership of the affiliate application 110, the member information verification unit 160 confirms the user member information corresponding to the authenticated user through the authentication server 195. Preferably, the member information confirmation unit 160 provides the one-off ticket confirmed through the ticket check unit 155 to the authentication server 195 and transmits the disposable ticket and the member information mapped from the authentication server 195 Lt; / RTI &gt;

The real name authentication processing unit 165 performs the real name authentication procedure for authenticating the user's real name by providing the user name information and the information required for the real name authentication to the designated real name authentication server 195 (not shown) And verifies the real name authentication result of the user through the real name authentication server 195.

Referring to FIG. 1, a banking application 135 of the wireless terminal 100 transmits user member information, which is determined based on a result of the user identification authentication, to member information 110 of the affiliated application 110 using the one- (1), when the user's information provision agreement is confirmed, the user's member information is shared with the affiliated application (110) using the one-time use ticket Or a member information sharing unit 175 that processes the user's membership information to be shared with the affiliate server 190 linked with the affiliate app 110 through the one-time ticket. According to another embodiment of the present invention, at least one of the consent confirmation unit 170 and the member information sharing unit 175 includes at least one of a banking application 135 linked with a designated server (e.g., an authentication server 195 or a banking application 135) A Web page provided to the wireless terminal 100 (e.g., a browser function of the banking application 135 or a browser provided in the wireless terminal 100) from a server or a designated web server, At least one component of the agreement confirmation unit 170 and the member information sharing unit 175 may be implemented in the form of a tag string and / or a script code in the web page. The present invention also includes embodiments using the web page I will make it clear.

A user using the banking app 135 is identified and authenticated via a designated authentication server 195 and / or a disposable ticket is issued / verified to the banking application 135 via a designated authentication server 195, The authentication confirmation unit 170 determines whether or not the user's real name authentication is confirmed based on the user identification information based on the result of the user identification authentication And the member information is not displayed through the banking application 135) to the member information of the affiliated app 110 using the one-time ticket, Displays an interface screen, and confirms the information providing consent of the user through the interface screen.

Meanwhile, according to the embodiment of the present invention, the interface screen requesting the information providing consent of the user is displayed through the affiliated application 110 (or the browser) before the banking application 135 is activated (or activated) Or after the banking application 135 is activated (or activated), the information provision agreement procedure of the user may be performed through the banking application 135 (or the browser) The procedure for sharing and transferring the user's membership information to the affiliate application 110 (or the affiliate server 190) may be performed based on confirmation of the information providing consent of the user.

When the information providing agreement of the user is confirmed through the consent confirmation unit 170, the member information sharing unit 175 shares the user's membership information with the affiliate application 110 using the disposable ticket, The user member information is registered in the affiliate server 190 through the affiliate app 110 or the affiliate server 190 linked with the affiliate app 110 through the one- . Meanwhile, if the real name of the user is authenticated through the real name authentication processing unit 165, the member information sharing unit 175 transmits the real name authentication result of the user to the affiliated application 110 (or the affiliate server 190) The present invention is not limited thereto.

According to the first embodiment of the present invention, the member information sharing unit 175 receives the user's membership information from the designated authentication server 195 using the one-time ticket, and the operating system of the wireless terminal 100 And the user-member information can be shared and transmitted to the affiliated application 110. [ In this case, the affiliated application 110 may request registration of the shared user member information as membership information of the affiliate server 190. The affiliate server 190 may register the shared user information as membership information of the affiliate server 190.

According to the second embodiment of the present invention, the member information sharing unit 175 transmits the inter-application communication function supported by the operating system of the wireless terminal 100 to the affiliated application 110, And the affiliated application 110 receives the user's membership information from the authentication server 195 designated through the one-time ticket and requests the registration of the user's membership information as the membership information of the affiliate server 190. [ The affiliate server 190 may register the shared user information as membership information of the affiliate server 190.

According to the embodiment of sharing third member information of the present invention, when the disposable ticket is already issued to the affiliate application 110 at the time of confirming the information providing consent of the user, the member information sharing unit 175 The association application 110 may share and transmit identification information identifying that the user has agreed to provide the information to the affiliated application 110, and the affiliated application 110 may issue the application-related communication function supported by the operating system of the wireless terminal 100, And receives the user's membership information from the designated authentication server 195 through the one-time use ticket, and requests the user's member information to be registered as the member information of the affiliate server 190. [ The affiliate server 190 may register the shared user information as membership information of the affiliate server 190.

According to the fourth embodiment of the present invention, the member information sharing unit 175 transmits the disposable ticket to the affiliate server 190 associated with the affiliate application 110 from the authentication server 195 specified through the one- The authentication server 195 may request the affiliate server 190 associated with the identified affiliated application 110 to use the disposable ticket and the user membership information mapped with the disposable ticket And the partner server 190 may register the shared user information transmitted from the authentication server 195 as membership information of the affiliate server 190. [

According to an embodiment of the fifth aspect of the present invention, the member information sharing unit 175 receives user membership information from the designated authentication server 195 using the one-time ticket, The affiliate server 190 may share the user's membership information with the affiliate server 190 linked to the affiliate server 190. The affiliate server 190 transmits the user's member information shared and transmitted from the banking application 135 to the affiliate server 190 Information can be registered.

According to an embodiment of sharing the sixth member information of the present invention, the member information sharing unit 175 may share at least one of the first through fifth member information sharing embodiments at least partially, It is possible to share and transfer the user's member information as the member information of the partner server 190 so that the present invention is not limited thereto.

Meanwhile, when the affiliated application 110 is a payment application having a simple payment function, the affiliated application 110 (or the affiliate server 190 (or the partner server 190) through at least one of the first to sixth member information sharing embodiments ) May register the account information for the simple payment of the affiliate application 110 through the banking application 135 before or after the sharing of the user's membership information.

Referring to FIG. 1, the banking app 135 of the wireless terminal 100 includes an account registration confirmation unit 180 for confirming whether to perform an account information registration procedure for simple settlement of the affiliate application 110, And an account registering unit 185 for registering the user account information confirmed through the user member information as account information for simple settlement of the affiliate application 110 when the account information registration is required. According to another embodiment of the present invention, at least one of the account registration confirmation unit 180 and the account registration unit 185 includes a banking server 135 linked with a designated server (e.g., the authentication server 195 or the banking application 135) ), And it is evident that the present invention includes embodiments using the server in this manner.

In the case where the affiliated application 110 is a payment application having a simple payment function, the affiliated application 110 (or the affiliate server 190) is notified through at least one of the first to sixth member information sharing embodiments, The account registration confirmation unit 180 checks whether the affiliated application 110 is a payment application having a simple payment function (for example, when the banking application 135 is activated (E.g., by reading and confirming the parameters delivered from the affiliate app 110 upon activation (or activation) of the affiliate app 110) and / or verifying whether to perform the account information registration process for the affiliate app 110 via the banking app 135 Whether the application 110 is confirmed as a payment application or an account registration procedure is requested by a user operation).

The account registering unit 185 registers the account information for easy payment of the affiliated application 110 through the account registration confirmation unit 180. The account registration unit 185 registers the affiliated application 110 (For example, the bank corresponding to the banking application 135) in cooperation with the authentication server 195 designated based on the user member information confirmed to be shared with the banking application 135 . The user account information may be confirmed through the authentication server 195 and provided to the banking application 135 to be displayed on the screen. However, the user account information according to the embodiment of the present invention may be checked through the authentication server 195 And may not be displayed through the banking application 135.

On the other hand, if the user account information of the user name is not confirmed, the account registration unit 185 can perform a procedure of establishing an account of a user name through non-face authentication in cooperation with a banking server (or a financial company server) And the present invention is not limited thereto.

The account registering unit 185 performs a process of registering the confirmed user account information as account information for simple settlement of the affiliate application 110 through one or more specified storage media. Preferably, the account registering unit 185 may process the disposable ticket so as to be registered as account information for simple settlement of the affiliate application 110. [

According to the first account information registration embodiment of the present invention, the account registration unit 185 processes a registration procedure for storing the user account information and the user's member information in a storage medium of the affiliate server 190 So that the user account information can be registered as account information for simple payment of the affiliate application 110 on the storage medium of the affiliate server 190. [

According to the second account information registration embodiment of the present invention, the account registration unit 185 processes the identification code for uniquely identifying the user account information through the authentication server 195, The user account information and the identification code are mapped and stored in a storage medium of a banking server (or a financial company server) associated with the affiliate server 190, and the identification code and the user membership information are stored in association with the storage medium of the affiliate server 190 The user account information can be registered as the account information for the simple payment of the affiliate application 110 through the storage medium of the banking server (or the financial company server).

FIG. 2 is a diagram illustrating a process of identifying and authenticating a user through the banking application 135 for a simple membership according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating an example in which an affiliate application 110 affiliated with a banking application 135 is newly installed in the wireless terminal 100 and the affiliate application 110 uses the banking application 135 If the user selects and registers the user to be registered in the banking application 135, if the user is a person skilled in the art, referring to and / or modifying FIG. 2, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, The technical features are not limited by the method alone. Meanwhile, although FIG. 2 illustrates a process of issuing a one-time ticket through the authentication server 195 in the banking application 135 before user identification is authenticated, the process of issuing the one- And it is evident that the disposable ticket is included in the scope of the present invention only if it is issued only before the disposable ticket is used even after the user identification authentication.

Referring to FIG. 2, if the m-th affiliated application 110 among the M affiliated applications 110 associated with the banking application 135 is installed in the wireless terminal 100 for the first time (200) The application 110 confirms whether the user is in the membership state (205). If the subscription status of the user is confirmed, the affiliated application 110 can perform a designated service provision procedure for the member (210).

If the subscription status of the user is not confirmed, the affiliated application 110 displays a membership subscription interface screen including an interface for selecting subscription to the banking application 135, And confirms whether interworking membership is selected (220). If the affiliation with the banking application 135 is not selected, the affiliated application 110 processes the subscription according to the designated subscription procedure (step 225).

Meanwhile, when the subscription of the affiliated banking application 135 is selected, the affiliated application 110 performs an application activation (or activation) procedure of the designated banking application 135 to be linked with the membership application 135, (Or activation) process (step 230).

When the banking application 135 installed in the wireless terminal 100 is activated (or activated) (step 235), the banking application 135 displays the information on the basis of the information And confirms whether the banking application 135 is activated (or activated) through the affiliated application 110 (240). If the banking application 135 is not activated (or activated) through the affiliated application 110, the banking application 135 performs a procedure for providing the designated banking service through the banking application 135 245).

Meanwhile, when the banking application 135 is activated (or activated) through the affiliated application 110, the banking application 135 transmits a disposable ticket to the user through the procedure 250 and / or the user identification authentication procedure 275 Can be performed.

Meanwhile, when performing the disposable ticket issuing procedure, the banking application 135 identifies the affiliated application 110 to the designated authentication server 195, requests issuance of a one-time ticket for real-time interlocking for membership, The authentication server 195 confirms the issuance request of the disposable ticket 135 of the banking application 135 and identifies the banking application 135 and the affiliated application 110 to each other, (Dynamically) a unique disposable ticket for interlocking (260), and then executes the process of issuing the generated disposable ticket (265). The banking application 135 requesting issuance of the disposable ticket confirms whether the disposable ticket is issued through the authentication server 195 (270). If the one-time ticket is issued, the banking application 135 may perform a user identification authentication procedure or various procedures using the one-time ticket.

Meanwhile, when performing the user identification authentication procedure, the banking application 135 uses the N (N &gt; = 1) security authentication functions provided in the banking application 135 for the simple member subscription of the affiliated application 110 (E.g., a user identification and authentication procedure using an authorized certificate) to the designated authentication server 195 using the n (1? N? N) , The authentication server 195 performs a procedure for identifying and authenticating a user in cooperation with n security authentication functions executed in the banking application 135 (280). The process of identifying and authenticating the user can be performed n times until all the specified n security authentication functions are used, thereby not limiting the present invention.

Meanwhile, when the user is identified and authenticated through the security authentication function of the banking application 135, the authentication server 195 confirms the user's membership information for the user identified and authenticated through the banking application 135 285). Preferably, the authentication server 195 can confirm the user's membership information registered in the financial company through a banking server (or a financial company server) associated with the banking application 135.

Meanwhile, when the user is identified and authenticated through the security authentication function of the banking application 135 and the disposable ticket is issued to the banking application 135, the authentication server 195 transmits the disposable ticket to the banking application 135 The disposable ticket and the identified user membership information are mapped and stored in a designated storage medium (290).

FIG. 3 is a diagram illustrating a process of sharing and transferring user's membership information to an affiliate application 110 (or an affiliate server 190) according to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating a process of sharing user membership information identified as a result of user identification using the banking application 135 with the affiliate application 110 (or the affiliate server 190) And registers and stores the membership information of the affiliate server 190 in the form of membership information. Referring to FIG. 3 and / or modified by the person skilled in the art, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Technical features are not limited.

Referring to FIG. 3, user membership information is confirmed (300) through an authentication server 195 as a result of user identification authentication using the banking application 135 through the process shown in FIG. 2, and the authentication server 195 (300), the banking application (135) transmits the user's membership information to the affiliate application (110) (or the affiliate server (190)) in order to share and provide And confirms the information providing agreement of the user (305).

If the information providing consent of the user is confirmed, the banking application 135 transmits the user's membership information to the designated affiliated app 110 (or the affiliate application 110) using the one- The authentication server 195 performs a procedure for sharing the application to the banking application 135 or the affiliate application 110 and transmits the shared application to the affiliate application 135 based on the one- 110) (or partner server 190) with the user's membership information (315). Preferably, the banking application 135 and / or the authentication server 195 may use the identified one-off ticket according to at least one of the first to sixth member information sharing embodiments of the present invention to specify the affiliate application 110) (or partner server 190) to share the user's membership information.

Meanwhile, the affiliated application 110 (or the affiliate server 190) may receive from the banking application 135 and / or the authentication server 195 through at least one of the first to sixth member information sharing embodiments The shared user information is shared (320), and the shared user information is registered and stored in the affiliate server (190) (325).

FIG. 4 is a diagram illustrating a process of sharing and transferring user's membership information to an affiliated application 110 (or an affiliate server 190) according to another embodiment of the present invention.

4 shows user member information verified as a result of user identification using the banking application 135 through the process shown in FIG. 2. The user name information is registered in the affiliate application 110 (or an affiliate server 190) and registers and stores the member information of the affiliate server 190 as registration information. As a person skilled in the art, referring to FIG. 4 and / or modified It will be appreciated that various implementations of the process may be inferred (e.g., some steps omitted or alternate implementations), but the present invention encompasses all of the above- The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 4, user membership information is confirmed (400) through an authentication server 195 as a result of user identification authentication using the banking application 135 through the process shown in FIG. 2, and the authentication server 195 (400), the banking application (135) performs the user's real name verification process based on the user's membership information (405).

If confirmation of the user's real name is confirmed, the banking application 135 transmits a user's information providing agreement to share the user's member information with the member information of the specified affiliate application 110 (or the affiliate server 190) (410).

If the information providing consent of the user is confirmed, the banking application 135 transmits the user's membership information to the designated affiliated app 110 (or the affiliate application 110) using the one- The authentication server 195 performs a procedure for sharing the application with the affiliate application 135 or the affiliate application 110 and transmits the shared application to the affiliate application 135 based on the one- 110) (or partner server 190) with the user's membership information (420). Preferably, the banking application 135 and / or the authentication server 195 may use the identified one-off ticket according to at least one of the first to sixth member information sharing embodiments of the present invention to specify the affiliate application 110) (or partner server 190) to share the user's membership information.

Meanwhile, the affiliated application 110 (or the affiliate server 190) may receive from the banking application 135 and / or the authentication server 195 through at least one of the first to sixth member information sharing embodiments The shared user information is shared (425), and the shared user information is registered and stored in the affiliate server (190) (430).

FIG. 5 is a diagram illustrating a process of registering account information for easy payment of an affiliate application 110 according to an embodiment of the present invention.

5 illustrates an example of a case where the user account information is registered for easy settlement of the affiliate application 110 in which the user's member information is shared through the process shown in FIG. 3 or FIG. 4, It is to be appreciated that those skilled in the art will appreciate that various modifications and changes may be made to the process of the present invention without departing from the spirit and scope of the present invention. It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention is not limited to the disclosed embodiments, Features are not limited.

Referring to FIG. 5, when the user's membership information confirmed through the banking application 135 is shared and registered as member information of the affiliate server 190 based on the process shown in FIG. 3 or FIG. 4, the banking application 135 Confirms whether the procedure for registering user account information should be performed for easy settlement of the affiliated application 110 (500). If the user account information needs to be registered for the simple payment of the affiliated application 110, the banking application 135 checks the user account information through the user's member information in cooperation with the authentication server 195 (step 505) , The authentication server 195 confirms the user account information corresponding to the user's membership information (505).

If the user account information of the user is confirmed, the banking application 135 performs a procedure of registering the user account information as account information for simple settlement of the affiliate application 110 (510) The authentication server 195 may register the user account information as account information for simple settlement of the affiliate application 110 (515).

According to the first account information registration embodiment of the present invention, the affiliate server 190 checks (520) the user account information in cooperation with the banking application 135 and / or the authentication server 195, The account information and the user's membership information may be linked and stored in the storage medium of the affiliate server 190 (520).

According to the second account information registration embodiment of the present invention, the banking application 135 and / or the authentication server 195 processes (510, 515) the identification code for uniquely identifying the user account information to be issued The affiliate server 190 processes the user account information and the identification code so that the user account information and the identification code are mapped to the storage medium of the banking server (or financial service server) associated with the banking application 135 (510, 515) 135) and / or the authentication server (195), and stores the identification code and the user's membership information in a storage medium of the affiliate server (190) (520).

100: wireless terminal 110: affiliate app
115: subscription selection unit 120:
125: an application driving unit 130:
135: Banking app 140:
145 Ticket issuing unit 150:
155: ticket confirmation unit 160: member information confirmation unit
165: real name authentication processing unit 170:
175: Member information sharing unit 180: Account registration confirmation unit
185: account registration unit 190: affiliate server
195: authentication server

Claims (11)

A method performed in a wireless terminal,
When the membership application using the banking application is selected from among the M (M? 1) affiliate applications affiliated with the banking application and m (1? M? M) affiliate apps newly installed in the wireless terminal, the banking application transmits the affiliate application (Or activated) through the first step;
(1? N? N) number of security authentication functions designated for membership of an affiliate application out of N (N? 1) security authentication functions having the banking app, A second step of performing;
A third step of confirming a disposable ticket issued by the banking app from the authentication server in order to identify the banking app with the affiliated application when the user identification authentication succeeds; And
A fourth step of confirming the information providing consent of the user for sharing and sharing the user member information confirmed by the banking app based on the result of the user identification authentication as membership information of the affiliate app using the disposable ticket; And
The banking application may share the user's membership information with the affiliate application using the disposable ticket or may transmit the user's membership information to the affiliate server linked with the affiliate application through the one- The method comprising the steps of: (a) receiving, from a banking application,
2. The method according to claim 1,
Further comprising receiving a disposable ticket from the designated authentication server so that the banking application can identify the affiliated application with the affiliated application.
The method of claim 1, wherein the disposable ticket comprises:
(Or activated) the banking app through the authentication server. The method of claim 1, wherein the affiliated application is a banking application.
The method according to claim 1,
Further comprising the step of the banking app issuing a disposable ticket for identifying the affiliated application from the designated authentication server when the user identification is successfully authenticated.
The method according to claim 1,
Further comprising checking the user's membership information corresponding to the user who has successfully authenticated the banking application through the authentication server when the user identification is successfully authenticated.
6. The method according to claim 1 or 5,
Wherein the one-time ticket is stored in the authentication server for a predetermined time in association with the disposable ticket.
6. The method according to claim 1 or 5,
Further comprising the step of the banking app performing the real name authentication procedure of the user through the confirmed user member information to confirm the real name authentication result of the user.
The method according to claim 1,
When confirming the information providing consent of the user, the banking app performs the real name authentication procedure of the user through the confirmed user member information based on the agreed information provision contents to confirm the real name authentication result of the user The method of claim 1, further comprising the steps of:
The method according to claim 1,
Confirming whether the banking application performs an account information registration procedure for simple settlement of the affiliate application; And
When the account information registration is required, performing a procedure of registering the user account information confirmed by the banking app through the user member information as account information for simple settlement of the affiliate app, How to sign up for a membership using a banking app.
10. The method of claim 9,
And registering the user information in association with the user member information on a storage medium of an affiliate server linked with the affiliate app.
10. The method of claim 9,
Wherein the user account information is registered in association with an identification code unique to the storage medium of the banking server associated with the banking app,
Wherein the identification code is registered in association with the user's member information in a storage medium of an affiliate server linked to the affiliate app.

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