KR100331947B1 - Portable banking apparatus using mobile network - Google Patents

Abstract

The present invention relates to a portable financial business processing device using a wireless communication network, inputs transaction request information and transaction details so that customers can deposit / withdraw / transfer / transfer the account, etc., the transaction request information and transaction approval information and A terminal which displays the transaction details and encrypts information requiring security among the input contents or decrypts encrypted information from a host; A magnetic lead / lighter connected to the terminal and having a light function on the head to read data recorded in the magnetic attached to the customer's bankbook or issue a bankbook; An operator card reader connected to the terminal and reading the operator card to transmit the serial number recorded on the operator card to a host of a financial institution; Bankbook printing machine for printing the transaction details through the terminal to the bankbook; A journal output unit for outputting the transaction details through the terminal; A mobile communication means for transmitting the customer information and the transaction request information to a host of a financial institution with which the customer transacts in a wireless manner, and receiving transaction approval information from the host and providing the transaction approval information to the terminal; And an interface for data transmission between the terminal and the portable communication means.

Description

Portable banking apparatus using mobile network

The present invention relates to a banking processing system, and more particularly, to a portable banking processing apparatus using a wireless communication network.

With the aim of reinforcing the competitiveness of financial institution services and strengthening customer service, each bank operates a bankruptcy storage system to perform major financial tasks such as deposit, withdrawal, remittance, and account transfer.

Conventional outgoing storage is likely to cause a dispute with the customer by handwriting at the time of receipt and withdrawal according to the conventional method, and there is anxiety due to the unconfirmed transaction details of the customer. In addition, in the case of bank employees, unnecessary time is wasted due to duplication of customer accounts and re-entry of transaction details after execution.

In addition, the conventional storage storage has a limit of attracting customers by performing only the storage storage business within a limited area and time.

The technical problem to be achieved by the present invention is a wireless communication network that can receive financial services in real time through a mobile bank teller, who visits a house, shop, office, etc., even if the financial institution users do not go to the teller window if they want to make a financial transaction. It is to provide a portable financial business processing device used.

1 illustrates an embodiment of a portable financial transaction processing apparatus using a wireless communication network according to the present invention.

Figure 2 is a side cross-sectional view showing the main components of a portable financial transaction processing apparatus using a wireless communication network according to the present invention.

Figure 3 is a block diagram showing the internal configuration of a portable financial transaction processing apparatus using a wireless communication network according to the present invention.

Portable financial business processing apparatus using a wireless communication network according to the present invention for solving the technical problem inputs the transaction request information and transaction details so that customers can deposit / withdraw / transfer / transfer the account, the transaction request information And a terminal for displaying transaction approval information and the transaction history, and encrypting information requiring security among the input contents or decrypting encrypted information from a host. A magnetic lead / lighter connected to the terminal and having a light function on the head to read data recorded in the magnetic attached to the customer's bankbook or issue a bankbook; An operator card reader connected to the terminal and reading the operator card to transmit the serial number recorded on the operator card to a host of a financial institution; Bankbook printing machine for printing the transaction details through the terminal to the bankbook; A journal output unit for outputting the transaction details through the terminal; A mobile communication means for transmitting the customer information and the transaction request information to a host of a financial institution with which the customer transacts in a wireless manner, and receiving transaction approval information from the host and providing the transaction approval information to the terminal; And an interface for data transmission between the terminal and the portable communication means.

In addition, the magnetic lead / writer is characterized in that the head of the magnetic reader / writer moves when the insertion of the bankbook reads the information recorded in the magnetic of the bankbook or inputs the customer's information into the magnetic of the bankbook.

In addition, the terminal includes a key input unit for inputting the transaction request information and transaction details so that the customer can deposit / withdraw / transfer / transfer the account; A display unit which displays the transaction request information, the transaction approval information, and the transaction history; An encryption processing unit for encrypting information such as a password of the terminal requiring security among the input contents or decrypting the encrypted information from the host; And a transaction processing unit which transmits the input contents to the encryption processing unit or decrypts the encrypted information from the host and sends a decrypted transaction response message to the input / output unit.

In addition, the encryption method of the encryption processing unit is characterized in that the encryption by generating a random number.

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

Figure 1 shows an embodiment of a mobile banking system according to the present invention, a display 110, keypad 120, magnetic lead / writer 130, operator card reader 140, bank printing machine 150 , The mobile phone 160 and the mobile phone interface 170.

The display 110 displays transaction request information, transaction approval information, and transaction details so that customers can deposit, withdraw, transfer, and transfer accounts. The present invention uses a mono LCD, and the screen size is 640 *. It is 480 and has 80 columns.

The keypad 120 inputs transaction request information, transaction approval information, and transaction details so that the customer can deposit, withdraw, transfer, or transfer the account. In the present invention, an 8 * 5 dot matrix keypad is used.

The magnetic lead / writer 130 reads the information recorded in the magnetic attached to the bankbook or records the customer's information in the magnetic to issue the bankbook. Then, when the bankbook is inserted, a head for reading and writing moves to read the information recorded on the magnetic of the bankbook or to record the customer's information on the bankbook's magnetic.

The operator card reader 140 is a device for reading information recorded on the operator card.

Bankbook printer 150 is to print the transaction details through the terminal to the bankbook, in the present invention is provided with an inkjet 12-pin header, the font is composed of a 12 * 12 2-byte combination.

The mobile phone 160 transmits the customer information and the transaction request information to a host of a financial institution with which the customer transacts in a wireless manner, and receives the transaction approval information from the host and provides the terminal to the terminal.

The mobile phone interface 170 is an interface for data transmission between the terminal and the mobile phone 160.

FIG. 2 is a side cross-sectional view showing the main components of a portable financial transaction processing apparatus using a wireless communication network according to the present invention. FIG.

Reference numeral 210 denotes an operator card reader, in which an operator inserts a card and moves from left to right to read the serial number recorded on the card.

Reference numeral 220 denotes a head portion of a magnetic lead / writer, and when a passbook is inserted into the magnetic lead / writer, the head of the magnetic lead / writer is moved to read information recorded in the magnetic of the passbook. Record the customer's information on the passbook's magnetic.

Reference numeral 230 denotes a passbook printer.

3 is a block diagram showing an internal configuration of a portable financial business processing device using a wireless communication network according to the present invention. The display unit 310, the key input unit 320, the memory unit 330, the control unit 340, the operator The card lead unit 350, the magnetic lead / light unit 360, the passbook printing unit 370, and the mobile phone interface unit 380 are formed.

The display 310 outputs various data on the screen so that the user can use it easily.

The key input unit 320 receives various data as keys.

The memory unit 330 stores a financial business processing program for depositing, withdrawing, remitting, and transferring the account, and stores the transaction history of the customer.

The controller 340 is in charge of processing all the work of the equipment, and encrypts information such as the password of the terminal requiring security among contents input from the key input unit 320 or decrypts the encrypted information from the host. The apparatus further includes an encryption processor 343 and a transaction processor 341 which transmits the input contents to the encryption processor 343 or decrypts the encrypted information from the host and sends the decrypted transaction response message to the display 310.

The operator card lead unit 350 reads the magnetic information of the operator card.

The magnetic lead / light unit 360 reads the magnetic information of the bankbook or writes the information to the magnetic of the bankbook.

The bankbook printing unit 370 prints various output data on the bankbook.

The mobile phone interface unit 380 transmits data between the host and the portable communication means.

The operation of the present invention will be described based on the above configuration.

When the power is applied to initialize the portable financial transaction processing apparatus and the operator carries a card to the operator card reader 350, the information recorded on the operator card is transmitted to the host of the financial institution by the portable communication means. .

At this time, the information is encrypted and transmitted by the encryption processing unit 343 of the control unit 340, the encryption process is as follows.

1. The terminal generates a random number (4 bytes) and encrypts it and sends it to the host. The host decrypts and stores an encrypted random number (4 bytes).

2. The host also generates a random number (4 bytes), encrypts it, and sends it to the terminal.

The terminal decrypts the encrypted random number (4 bytes) and merges the random number (4 bytes) generated in the terminal with the random number (4 bytes) received from the host to generate a random number of 8 bytes.

In addition, the transaction processor 341 of the controller 340 decrypts the encrypted information from the host and transmits the decrypted transaction response message to the display 310.

Therefore, when the transaction between the host and the terminal starts, the customer's deposit / withdrawal / remittance / account transfer, etc., and transmits the transaction of the customer to the host and stored in the memory unit 340. The customer's transaction history is printed on the bankbook through the bankbook printing unit 370.

The drawings and specification are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

According to the present invention, first, it is possible to carry out real-time wireless processing of major financial affairs such as deposit / withdrawal / transfer / account transfer as well as bankbook arrangement by increasing the mobility by carrying out a cashier and storage system using a wireless data service. According to the point that equipment is needed for front-line financial institutions and customers, it is possible to provide financial services for the convenience of customers such as local circulation service in places where customers are concentrated, such as markets and shopping centers, and mobile windows in temporary crowded places such as rest areas. .

Second, at each branch of a financial institution, the mobile banking system is mounted on portable and small vehicles to increase mobility and visit customers who have been hampered by financial affairs due to location constraints and those who frequently need financial transactions. Of course, it can provide customer financial services such as deposit / withdrawal / account transfer.

Claims (4)

In response to the operator information stored in the operator card and the transaction details of the customer's financial affairs, the operator information, the transaction details and transaction request information for processing the financial affairs are transmitted to a host of a financial institution, and transaction approval information is received from the host. A terminal for receiving financial transactions; A magnetic read / write device connected to the terminal and reading data stored in a customer's bankbook or storing the transaction history in the bankbook; A card reader connected to the terminal and transmitting the operator information stored in the operator card to the host of the financial institution to the host; A mobile communication means for transmitting the transaction details, the transaction request information, and the operator information to the host in a wireless manner, and receiving transaction approval information from the host and providing the transaction approval information to the terminal; And And an interface for data transmission between the terminal and the portable communication means. The method of claim 1, wherein the magnetic lead / light group When the bankbook is inserted, the head of the magnetic reader / writer moves to read the information recorded in the magnetic of the bankbook or input the customer's information into the magnetic of the bankbook. . The method of claim 1, wherein the terminal A key input unit for inputting transaction request information and transaction details so that the customer can deposit / withdraw / transfer / transfer the account; A display unit which displays the transaction request information, the transaction approval information, and the transaction history; An encryption processing unit for encrypting information such as a password of the terminal requiring security among the input contents or decrypting the encrypted information from the host; And And a transaction processing unit which transmits the input contents to the encryption processing unit or decrypts the encrypted information from the host and sends a decrypted transaction response message to the input / output unit. The method of claim 3, wherein the encryption method of the encryption processing unit Portable financial business processing device using a wireless communication network, characterized in that the method of generating a random number to encrypt.