KR100738207B1 - System for processing cash payment, financial automatic devices and program recording medium - Google Patents

Abstract

A cash payment processing system, an ATM(Automated Teller Machine) and a program recording medium are provided to let a remittee draw out the sent money through a CD(Cash Dispenser)/ATM even if the remittee does not have a bankbook, by using a cash payment method. A cash payment processing system is composed of an information receiving unit(115) receiving information about a cash payment request, the sum of money, a payment account, and a customer receiving money from a terminal; an information checking unit checking information about the money deposited in the payment account in order to judge that the sum of money corresponding to the cash payment request information enables to be drawn out; a financial transaction processing unit(105) transferring the requested money to a virtual account if the sum of money corresponding to the cash payment request information is available; and an information processing unit processing virtual account information, a cash payment number, or a password cord, and both the cash payment number and the password cord and storing the processed result in a storing medium(135). If the cash payment number, the password cord, or both the cash payment number and the password cord are transmitted through the ATM, the financial transaction processing unit checks validity of the cash payment number, the password cord, or both the cash payment number and the password cord by interlocking with the storing medium and transmits cash payment confirmation information to the ATM according to the result.

Description

System for Processing Cash Payment, Financial Automatic Devices and Program Recording Medium}

1 is a view showing a cash payment system using a financial terminal according to an embodiment of the present invention.

2 is a diagram illustrating an embodiment in which a cash payment number and / or a password are stored in the ledger D / B according to another embodiment of the present invention.

3 is a diagram illustrating an embodiment in which a cash payment number and / or a password are stored in a database associated with the ledger D / B according to another embodiment of the present invention.

4 is a diagram showing the configuration of the Internet banking-based cash payment system according to an embodiment of the present invention.

5 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to a preferred embodiment of the present invention.

6 is a diagram illustrating an internet banking-based financial transaction method according to an embodiment of the present invention.

7 is a diagram illustrating an information providing process for cash payment using a financial terminal according to an embodiment of the present invention.

8 is a diagram illustrating a method of encrypting and transmitting cash payment information using a symmetric key (or secret key) method in an information processing server according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a method for decrypting cash payment information encrypted and received by a customer communication unit by a symmetric key (or secret key) method according to an embodiment of the present invention.

10 is a diagram illustrating a method for encrypting and transmitting cash payment information in a public key infrastructure structure in an information processing server according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a method for decrypting cash payment information encrypted and received by a customer communication means in a public key infrastructure according to an embodiment of the present invention.

12 is a diagram illustrating a method of encrypting and transmitting cash payment information in an electronic envelope method in an information processing server according to an exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a method of decrypting cash payment information encrypted and received by a customer communication unit by an electronic envelope method according to an embodiment of the present invention.

14A and 14B illustrate a method of encrypting and transmitting cash payment information in a key exchange method in an information processing server according to an embodiment of the present invention.

15A and 15B illustrate a method of decrypting cash payment information encrypted and received by a customer communication unit by a key exchange method according to an embodiment of the present invention.

16 is a diagram illustrating an information providing process for cash payment using a financial terminal according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a functional configuration of a financial terminal for cash payment using a cash payment number and / or a password according to an embodiment of the present invention.

18 is a diagram illustrating an operation process of a financial terminal for cash payment using a cash payment number and / or a password according to an embodiment of the present invention.

19 is a diagram illustrating an operation process of a financial server for cash payment using a cash payment number and / or a password according to an embodiment of the present invention.

20 is a diagram illustrating a process of withdrawing cash from a financial terminal through a cash payment using a cash payment number and / or a password according to one embodiment of the present invention.

21 is a diagram showing a cash payment system using a financial terminal according to another embodiment of the present invention.

22 is a diagram illustrating an information providing process for cash payment using a financial terminal according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating an information providing process for cash payment using a financial terminal corresponding to an individual transaction according to another embodiment of the present invention.

<Description of main parts of drawing>

100: information processing server 105: financial processing unit

110: information generating unit 115: information receiving unit

120: password processing unit 125: information storage unit

130: information transmission unit 135: storage medium

140: financial system

The present invention uses a given cash payment number and / or password without a bankbook and / or card when a given financial institution customer (= cash sender) pays a given cash to a given cash recipient. And a cash dispenser / automatic teller machine (CD / ATM), and a system and a method for withdrawing the cash through a predetermined financial terminal.

Conventionally, a method of transmitting funds in a non-face-to-face manner by a sender and a receiver of a fund includes a window terminal-based financial transaction and / or a financial terminal-based financial transaction and / or internet banking and / or wireless banking and / or telebanking and / or Account transfer through at least one financial transaction method of TV banking has been mainly used.

In the transfer of funds through the financial transaction means as described above, the fund transmitting side is inconvenient to obtain the account information of the fund receiving side in advance, and in order for the receiving side to withdraw the transferred funds, It is inconvenient to bring a bankbook (or card) and visit a branch (or branch) of a financial institution or visit a CD / ATM window.

Meanwhile, the conventional non-face-to-face payment means include a credit card payment method, a check card payment method, a debit card payment method, a prepaid card payment method, and a bank transfer payment method based on a network infrastructure. The payment method of the method includes a problem that it is difficult to use the payment amount as a payment method for transactions between individuals other than the affiliated store that obtained the business registration.

An object of the present invention is an information receiving step for receiving cash payment request information-payment target amount information, withdrawal account information, cash receiving customer information, etc. from the terminal in a predetermined information receiving means; Check the balance information deposited in the withdrawal account to see if it is possible to withdraw the amount of money corresponding to the cash payment request information, and if it is possible to withdraw the amount corresponding to the cash payment request information, a predetermined information processing means Determine a predetermined cash payment number and / or secret code for generating and / or in connection with the terminal, and stores the generated and / or determined cash payment number and / or secret code in a predetermined storage medium, When the cash payment number and / or secret code is transmitted through a predetermined financial transaction processing means the storage medium (or storage medium operation number) ), And to provide a cash processing method and system to check the validity of said cash code, and / or the secret code, and transmits the cash payment authorization information based on the check result, as the automatic teller machine in conjunction.

The cash payment processing system according to the present invention comprises: information receiving means for receiving cash payment request information-payment target amount information, withdrawal account information, cash receiving customer information, etc. from a terminal; Information checking means for confirming balance information deposited in the withdrawal account whether the amount of money corresponding to the cash payment request information is possible; Information generation means for generating a predetermined cash payment number and / or a secret code for cash payment if the amount of money corresponding to the cash payment request information is possible to withdraw; Information storage means for storing the generated cash payment number and / or secret code in association with the cash payment request information and / or the withdrawal account information to store in a predetermined storage medium; Information transmitting means for transmitting the generated cash payment number and / or secret code to the cash receiving customer communication means; And when the cash payment number and / or secret code is transmitted through the automated teller machine, confirming the validity of the cash payment number and / or secret code in connection with the storage medium (or storage medium operating means), and confirming the result. According to, characterized in that it comprises a; financial transaction processing means for transmitting the cash payment approval information to the automated teller machine.

On the other hand, the cash payment processing system according to the present invention comprises: information receiving means for receiving cash payment request information-payment target amount information, withdrawal account information, cash receiving customer information, etc. from the terminal; Information checking means for confirming balance information deposited in the withdrawal account whether the amount of money corresponding to the cash payment request information is possible; Information generation means for generating a predetermined cash payment number and / or a secret code for cash payment if the amount of money corresponding to the cash payment request information is possible to withdraw; Information storage means for storing the generated cash payment number and / or secret code in association with the cash payment request information and / or the withdrawal account information to store in a predetermined storage medium; Information transmitting means for transmitting the generated cash payment number and / or secret code to the terminal; And when the current prohibition number and / or secret code is transmitted through the automated teller machine, confirms the validity of the cash payment number and / or secret code in association with the storage medium (or storage medium operation means) and confirms the validity. According to the result, the financial transaction processing means for transmitting the cash payment approval information to the automated teller machine; characterized in that it comprises a.

On the other hand, the cash payment processing system according to the present invention comprises: information receiving means for receiving cash payment request information-payment target amount information, withdrawal account information, cash receiving customer information, etc. from the terminal; Information checking means for confirming balance information deposited in the withdrawal account whether the amount of money corresponding to the cash payment request information is possible; Information generation means for determining a predetermined cash payment number and / or a secret code for cash payment in association with the terminal when the amount of money corresponding to the cash payment request information is possible withdrawal; Information storage means for storing the determined cash payment number and / or secret code in association with the cash payment request information and / or the withdrawal account information and storing the predetermined cash payment number on a predetermined storage medium; When the cash payment number and / or secret code is transmitted through the automated teller machine, in conjunction with the storage medium (or storage medium operating means), to verify the validity of the cash payment number and / or secret code, the verification result Therefore, the financial transaction processing means for transmitting the cash payment approval information to the automated teller machine; characterized in that it comprises a.

On the other hand, the cash payment processing system according to the present invention comprises: information receiving means for receiving cash payment request information-payment target amount information, withdrawal account information, cash receiving customer information, etc. from the terminal; Information checking means for confirming balance information deposited in the withdrawal account whether the amount of money corresponding to the cash payment request information can be withdrawn; A financial transaction processing means for transferring the payment target amount to a predetermined virtual account when the withdrawal amount corresponding to the cash payment request information is possible; And information processing means for linking the virtual account information with a predetermined cash payment number and / or secret code for the cash payment and storing the virtual account information on a predetermined storage medium. When the cash payment number and / or secret code is transmitted, the financial transaction processing means, in connection with the storage medium (or storage medium operating means), confirms the validity of the cash payment number and / or secret code, and the confirmation According to the result, the cash payment approval information is transmitted to the automatic teller machine.

According to the present invention, the terminal is characterized in that it comprises at least one or more electronic products, such as wired terminal, wireless terminal, financial automation equipment, TV.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing a function of each means provided in the above-mentioned cash payment processing system.

On the other hand, the cash payment processing method according to the present invention comprises: an information receiving step of receiving cash payment request information-payment target amount information, withdrawal account information, cash receiving customer information, etc. from the terminal in a predetermined information receiving means; An information checking step of confirming balance information deposited in the withdrawal account whether the amount of money corresponding to the cash payment request information can be withdrawn by a predetermined information checking means; If it is possible to withdraw the amount of money corresponding to the cash payment request information, the predetermined information processing means generates a predetermined cash payment number and / or secret code for the cash payment and / or determines the connection with the terminal, A cash payment number and / or secret code processing step of storing the generated and / or determined cash payment number and / or secret code in a predetermined storage medium; When the cash payment number and / or secret code is transmitted through the automated teller machine, the validity of the cash payment number and / or secret code is validated in connection with the storage medium (or storage medium operating means) in a predetermined financial transaction processing means. And a financial transaction processing step of transmitting cash payment approval information to the automatic teller machine according to the checking result.

On the other hand, the financial automation device according to the present invention, the input means for receiving a cash payment number and / or secret code; Transmission means for transmitting predetermined cash payment approval request data (or full text) including the cash payment number and / or secret code to a server on a communication network; And cash payment control means for reading cash data (or full text) from the server, reading the data (or full text), determining whether to pay cash, and delivering a cash payment command to the cash payment section. It is characterized by.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a cash payment system using a financial terminal according to an embodiment of the present invention.

More specifically, Figure 1 shows that when a customer using a given financial institution (= cash sender) pays a given cash recipient a predetermined cash, the cash recipient is given a predetermined cash payment number and / or without a bankbook and / or card. Or a system configuration for withdrawing the cash through a predetermined financial terminal, including a CD / ATM (Cash Dispenser / Automatic Teller Machine) using a password, the general knowledge in the technical field to which the present invention belongs If you have one, you can infer a variety of system configurations to pay a predetermined cash through a predetermined financial terminal using a predetermined cash payment number and / or password without a passbook and / or card by referring to and / or modifying this drawing. As will be appreciated, the present invention encompasses all of the inferred implementation methods and is not limited by the implementation method illustrated in FIG.

The customer using the financial institution corresponds to a current customer having at least one financial account opened at a predetermined financial institution, and the cash receiver is the current customer himself and / or at least one financial account opened at the financial institution. And at least one of another customer and / or a third party customer who has not opened a financial account at the financial institution.In the following embodiment, the customer using the financial institution (= cash sender) is referred to as a "cash sender". And the cash recipient is referred to as a "cash receiver".

Referring to FIG. 1 according to an embodiment of the present invention, a cash payment system using the financial terminal includes at least one financial transaction system used by at least one cash transmitting customer, the financial transaction system and a predetermined financial network. A financial system 140 for performing a financial transaction procedure requested from the financial transaction system and a cash payment service using the financial terminal according to the present invention in connection with the financial transaction system and / or the financial system 140. And an information processing server 100 for providing a customer corresponding to a cash receiving customer receiving a predetermined cash payment number and / or password for the cash payment from the information processing server 100. Communication means and at least one financial group for the cash receiver to withdraw the cash; And characterized by comprising comprises a.

In particular, although the information processing server 100 is shown as a server located between the financial transaction system and the financial system 140 in FIG. 1, the information processing server 100 is the financial transaction system according to the intention of a person skilled in the art. It is possible that some of the functional components provided in, and / or constituting the information processing server 100 are included in the financial transaction system, and / or according to the intention of the person skilled in the art, the information processing server 100 It is possible that some of the functional components provided in the financial system 140 and / or constituting the information processing server 100 are included in the financial system 140, thereby limiting the present invention. No.

The financial transaction system includes a window terminal based banking system, a financial terminal based banking system including a CD / ATM, an internet banking system, a wireless banking system, an IC chip based wireless banking system, a telebanking system, a home banking system, and a TV banking system. Characterized in that it comprises at least one or more.

In the banking terminal-based banking system of the financial transaction system, the cash sending customer (a customer using a financial institution) visits a branch (or branch) of the financial institution directly and prepares a document corresponding to the customer's bank account (or card). When the account book (or the card) and the slip are submitted to the teller, the teller inputs the financial transaction information written in the slip through a predetermined teller terminal and enters the information through the predetermined financial network (for example, the bank). When transmitted to the financial system 140, the financial system 140, characterized in that for processing the financial transaction corresponding to the financial transaction information.

According to the method of the present invention, the cash sending customer for a financial terminal based cash payment according to the present invention based on the window terminal-based banking system, a predetermined cash payment slip (or a conventional withdrawal slip based on the financial terminal based cash payment) Cash payment request information is filled out and submitted to the teller, and the teller inputs the present payment request information written in the slip through the teller terminal to the information processing server 100. When transmitting, the information processing server 100 performs an information processing function for the financial terminal-based cash payment according to the present invention in connection with the financial system 140.

In addition, a financial terminal-based banking system including a CD / ATM of the financial transaction system is a financial terminal provided in the branch (or branch) of the financial institution and / or public places that the cash transmitting customer (customer using a financial institution). If the visitor inserts the customer account (or card) into the card reader provided in the financial terminal and inputs (or selects) predetermined financial transaction information based on the financial transaction interface provided by the financial terminal. When the terminal transmits the financial transaction information to the financial system 140 through a predetermined financial network (eg, CD common network), the financial system 140 processes the financial transaction corresponding to the financial transaction information. It features.

According to an embodiment of the present invention, the cash transmitter for the financial terminal-based cash payment according to the present invention based on the financial terminal-based banking system, the card reader equipped with the customer account (or card) in the financial terminal Inserted in the bank and based on a financial terminal-based cash payment interface provided by the financial terminal (eg, an interface for inputting (or selecting) predetermined cash payment request information corresponding to a financial transaction interface for financial terminal-based banking). Inputting (or selecting) cash payment request information, the financial terminal transmits the cash payment request information to the information processing server 100, and the information processing server 100 and the financial system 140; It is characterized in that the information processing function for the financial terminal-based cash payment according to the present invention in connection.

In addition, the Internet banking system of the financial transaction system is a cash transmission customer (customer using a financial institution) is a predetermined client terminal (for example, a personal computer (PC) equipped with a web browsing function and / or banking program) and / Or using a notebook to access an Internet banking server via a predetermined wired communication network (e.g., Transmission Control Protocol / Internet Protocol (TCP / IP) based Internet, xDSL based wired network) (and / or Internet Banking Customer Login) Requesting at least one financial transaction, the Internet banking server provides a financial transaction interface corresponding to the financial transaction request to the client terminal, and the client terminal provides predetermined financial transaction information through the financial transaction interface. Non-face-to-face financial transaction procedures defined in the internet banking system (e.g., Financial transaction using an accredited certificate, and / or financial transaction using an One Time Password (OTP), the Internet banking server provides the financial transaction information to the financial system 140. The financial system 140 may process a financial transaction corresponding to the financial transaction information.

According to an embodiment of the present invention, the cash sending customer accesses the Internet banking server through a predetermined client terminal (and / or internet banking) for a financial terminal-based cash payment according to the present invention based on the internet banking system. When the client terminal requests the cash terminal-based cash payment, the Internet banking server requests a predetermined cash payment in response to an internet banking-based cash payment interface (eg, a financial transaction interface for internet banking) corresponding to the cash payment request. An interface for inputting (or selecting) information to the client terminal, and inputting (or selecting) predetermined cash payment request information through the cash payment interface at the client terminal, thereby forming a non-face-to-face defined in the Internet banking system. Internet banking server according to the financial transaction procedure When the transmission, the Internet banking server transmits the cash payment request information to the information processing server 100, the information processing server 100 in connection with the financial system 140 in the financial terminal based cash according to the present invention Characterized in that it performs an information processing function for payment.

In addition, the wireless banking system of the financial transaction system is based on the CDMA (Code Division Multiple Access) based on a predetermined wireless terminal (for example, a wireless web browsing function and / or a wireless banking program) for the cash transmission customer (customer using a financial institution) A predetermined wireless communication network (eg, a CDMA based mobile communication network, an IEEE802.16x based mobile Internet, using a mobile communication terminal, and / or an IEEE 802.16x based portable Internet terminal, and / or a DataTAC / Mobitex based wireless data communication terminal, etc.) When requesting at least one financial transaction by connecting to a wireless banking server (and / or a wireless banking customer login) through a DataTAC / Mobitex-based wireless data communication network, the wireless banking server may establish a financial transaction interface corresponding to the financial transaction request. Provided to the wireless terminal, and the predetermined financial transaction information is provided through the financial transaction interface in the wireless terminal. And transmit the data to the wireless banking server according to a non-face-to-face financial transaction procedure defined in the wireless banking system (eg, financial transaction using an accredited certificate, and / or financial transaction using OTP), By providing financial transaction information to the financial system 140, the financial system 140 is characterized in that to process the financial transaction corresponding to the financial transaction information.

According to an embodiment of the present invention, the cash sending customer accesses the wireless banking server through a predetermined wireless terminal (and / or wireless banking customer) for a financial terminal based cash payment according to the present invention based on the wireless banking system. Upon requesting the financial terminal-based cash payment by logging in, the wireless banking server provides a wireless banking-based cash payment interface corresponding to the cash payment request (for example, predetermined cash payment request information corresponding to the financial transaction interface for wireless banking). An interface for inputting (or selecting) to the wireless terminal, and inputting (or selecting) predetermined cash payment request information through the cash payment interface in the wireless terminal to define a non-face-to-face finance defined in the wireless banking system. When the transaction is transmitted to the wireless banking server, the wireless banking server Transfers the cash payment request information to the information processing server 100 and performs the information processing function for the financial terminal based cash payment according to the present invention in connection with the financial system 140 in the information processing server 100. Characterized in that.

In addition, the IC chip-based wireless banking system of the financial transaction system is a wireless terminal (for example, the financial IC chip and the financial IC chip) that the cash transmission customer (customer using a financial institution) is equipped with a predetermined IC chip-based financial transaction function. IC chip-based financial transaction procedures through a Code Division Multiple Access (CDMA) -based mobile communication terminal with a base banking program, and / or an IEEE 802.16x-based portable Internet terminal, and / or a DataTAC / Mobitex-based wireless data communication terminal) (For example, a financial transaction procedure using a financial means provided in a financial IC chip) to generate predetermined financial transaction information, and convert the financial transaction information into a non-face-to-face financial transaction procedure defined in the IC chip-based wireless banking system. For example, a predetermined wireless communication network (e.g., CDMA based mobile communication network, IEEE802.16x based mobile Internet, DataTAC / Mobitex based wireless data) according to a financial transaction using an accredited certificate. And a financial transaction corresponding to the financial transaction information in the financial system 140 by providing the financial transaction information to the financial system 140 through the wireless banking server. It is characterized by.

According to an embodiment of the present invention, the cash transmission customer for the financial terminal based cash payment according to the present invention based on the IC chip-based wireless banking system IC chip through a wireless terminal equipped with the IC chip-based financial transaction function Generate a predetermined cash payment request information by performing a base financial transaction procedure, and transfer the cash payment request information to a wireless banking server through a predetermined wireless communication network according to a non-face-to-face financial transaction procedure defined in the IC chip-based wireless banking system. When the transmission, the wireless banking server transmits the cash payment request information to the information processing server 100, the information processing server 100 in connection with the financial system 140 in the financial terminal based cash according to the present invention It is characterized by performing an information processing function for payment.

According to another embodiment of the present invention, in the case of the IC chip-based wireless banking system, the wireless terminal may be provided with an information processing function for the financial terminal-based cash payment provided in the information processing system. This is not limited.

In addition, the banking system of the financial transaction system, the cash transmission customer (customer using a financial institution) is a predetermined voice using a predetermined call terminal (for example, a wired telephone or a mobile communication terminal equipped with a voice call function) Access (and / or telebanking customers) to telebanking servers (e.g., Automatic Response Service (ARS) servers) through a telephone network (e.g., Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network) Log), the telebanking server provides a financial transaction interface including a predetermined voice guidance service to the call terminal, and in response, the call terminal inputs predetermined financial transaction information through the financial transaction interface. Non-face-to-face financial transaction procedures defined in the telebanking system (e.g., the transmission and reception of financial transaction information in the dual frequency multi-frequency (DTMF) method). In response to the transmission to the telebanking server, the telebanking server provides the financial transaction information to the financial system 140 to process the financial transaction corresponding to the financial transaction information in the financial system 140. do.

According to an embodiment of the present invention, the cash sending customer accesses a telebanking server through a predetermined voice communication network using a predetermined call terminal for a cash terminal based cash payment according to the present invention based on the telebanking system. (And / or tele-banking customer login), a tele-banking-based cash payment interface (e.g., requesting a predetermined cash payment through voice guidance for tele-banking) that includes a predetermined voice guidance service from the tele-banking server to the call terminal. An interface for inputting (or selecting) information, and correspondingly inputting (or selecting) predetermined cash payment request information through the payout interface in the call terminal, thereby defining a non-face-to-face finance defined in the telebanking system. When transmitting to the telebanking server according to the transaction procedure, the cash payment from the telebanking server And transmits information to the information processing server 100, and performs the information processing function for the financial terminal-based cash payment according to the present invention in connection with the financial system 140 in the information processing server 100. It is done.

In addition, the home banking system of the financial transaction system is a predetermined wired / wireless communication network (for example, a home appliance connected to at least one wired or wireless communication network) by the cash transmitting customer (customer using a financial institution). request at least one financial transaction by accessing (and / or logging in to a home banking customer) a home banking server via an xDSL-based wired network, a CDMA-based mobile network, an IEEE802.16x-based mobile Internet, or an IEEE 802.11x-based wireless LAN. When the home banking server provides a financial transaction interface corresponding to the financial transaction request to the home banking device, the home banking device inputs predetermined financial transaction information through the financial transaction interface to the home banking system. Defined non-face-to-face financial transaction procedures (eg, financial transactions using accredited certificates, and / or gold using OTP) When the transaction is transmitted to the home banking server, the financial system 140 processes the financial transaction corresponding to the financial transaction information by providing the financial transaction information to the financial system 140. It is characterized by.

According to an embodiment of the present invention, the customer of the cash transmission for accessing the financial terminal based cash payment according to the present invention based on the home banking system is connected to the home banking server through a predetermined home banking device (and / or home banking). When the customer terminal requests the cash terminal-based cash payment, the home banking server requests a predetermined cash payment in response to the home banking-based cash payment interface (eg, a financial transaction interface for home banking) corresponding to the cash payment request. An interface for inputting (or selecting) information to the home banking device, and inputting (or selecting) predetermined cash payment request information through the cash payment interface in the home banking device and defined in the home banking system. When transmitting to the home banking server according to a non-face-to-face financial transaction procedure, the cash bank from the home banking server The request information is transmitted to the information processing server 100, and the information processing server 100 performs an information processing function for the financial terminal based cash payment according to the present invention in connection with the financial system 140. It is done.

In addition, the TV banking system of the financial transaction system is that the cash transmission customer (customer using a financial institution) is a predetermined digital TV (eg, Set-Top-Box, and / or satellite DMB (Digital Multimedia Broadcasting) A terminal, and / or a terrestrial DMB terminal) to a TV banking server via a predetermined wired or wireless communication network (eg, xDSL based wired communication network, CDMA based mobile communication network, IEEE802.16x based portable Internet, IEEE 802.11x based wireless LAN, etc.). Upon requesting at least one financial transaction by accessing (and / or logging into a TV banking customer), the TV banking server provides a financial transaction interface corresponding to the financial transaction request to the digital TV, and the financial transaction on the digital TV. By inputting predetermined financial transaction information through an interface, a non-face-to-face financial transaction procedure defined in the TV banking system (eg, financial transaction using an accredited certificate, and / or Is transmitted to the TV banking server according to a financial transaction using an OTP), the TV banking server provides the financial transaction information to the financial system 140 to correspond to the financial transaction information in the financial system 140. Characterized in processing financial transactions.

According to an embodiment of the present invention, the cash sending customer accesses the TV banking server through a predetermined digital TV (and / or a TV banking customer) for a financial terminal based cash payment according to the present invention based on the TV banking system. Upon requesting the financial terminal-based cash payment by logging in, the TV banking server provides a cash payment request information corresponding to a TV banking-based cash payment interface (eg, a financial transaction interface for TV banking) corresponding to the cash payment request. Interface to input (or select) to the digital TV, and input (or select) predetermined cash payment request information through the cash payment interface on the digital TV to define a non-face-to-face finance defined in the TV banking system. When the transaction is sent to the TV banking server, the TV banking server receives the cash payment request information. It is transmitted to the information processing server 100, characterized in that the information processing server 100 performs an information processing function for the financial terminal based cash payment according to the present invention in connection with the financial system 140.

The financial institution used by the cash transmitting customer includes a predetermined financial system 140 for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It features.

The financial system 140 provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB) connected to a predetermined return channel (Return Channel) through the TV banking server Terminal, terrestrial DMB terminal, etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

Referring to FIG. 1, the information processing server 100 may include an information receiver 115 receiving cash payment request information using the financial terminal from at least one financial transaction system, and received through the information receiver 115. A financial processing unit 105 for processing a financial transaction required for cash payment using the financial terminal in connection with the financial system 140 based on the cash payment request information, and predetermined cash for cash payment using the financial terminal; Information generation unit 110 for generating a payment number and / or password, and the cash payment number and / or password generated by the information generation unit 110 through a predetermined network means customer communication means of the customer receiving cash The information transmission unit 130 and the cash payment number and / or password to be transmitted to the processing associated with the payment amount information and / or predetermined financial account information And an information storage unit 125 for storing on a predetermined storage medium (135) characterized by comprising.

When the customer communication means of the cash-receiving customer is connected to an open network (e.g., a network capable of random access to communication packets, such as a TCP / IP based wired communication network) (e.g., when the network means comprises an open network), The information processing server 100 is characterized by further comprising an encryption processing unit 120 for encrypting the cash payment number and / or password in a predetermined encryption method, wherein the information transmission unit 130 is The cash payment number and / or password encrypted by the encryption processing unit 120 is characterized in that for transmitting to the customer communication means of the customer receiving the cash through a predetermined network means.

The information receiving unit 115 may receive predetermined cash payment request information for cash payment using the financial terminal from at least one financial transaction system used by the cash transmitting customer.

According to an embodiment of the present invention, when the cash transmitting customer uses the teller terminal-based banking system, the cash payment request information is preferably received by the information receiver 115 through the teller terminal.

In addition, when a cash transmitting customer uses a financial terminal-based banking system including the CD / ATM, the cash payment request information is preferably received by the information receiving unit 115 through the financial terminal.

In addition, when the cash transmission customer uses the Internet banking system, the cash payment request information is preferably received by the information receiving unit 115 through the Internet banking server, if the information processing server 100 is the client When the terminal is exposed to a communication network to which the terminal is connected (for example, when the information processing server 100 has a web server function), the cash payment request information is directly received from the client terminal to the information receiving unit 115. It is possible, and the invention is not limited thereby.

In addition, when the cash transmission customer uses the wireless banking system, the cash payment request information is preferably received by the information receiving unit 115 through the wireless banking server, if the information processing server 100 is wireless When the terminal is exposed to a communication network to which the terminal is connected (for example, when the information processing server 100 has a wireless server function), the cash payment request information may be directly received from the wireless terminal to the information receiving unit 115. It is possible, and the invention is not limited thereby.

In addition, when the cash transmitting customer uses the IC chip-based wireless banking system, the cash payment request information is preferably received by the information receiving unit 115 through the wireless banking server, if the information processing server 100 Is exposed to a communication network to which the IC chip-based wireless terminal is connected (eg, when the information processing server 100 is equipped with a wireless server function), the cash payment request information is received from the IC chip-based wireless terminal. It is possible to receive directly to the receiver 115, whereby the present invention is not limited.

In addition, when the cash transmitting customer uses the telebanking system, the cash payment request information is preferably received by the information receiving unit 115 through the telebanking server, if the information processing server 100 is the call When the terminal is exposed to a communication network to which the terminal is connected (for example, when the information processing server 100 has an ARS server function), the cash payment request information is directly received from the call terminal to the information receiving unit 115. It is possible, and the invention is not limited thereby.

In addition, when the cash transmission customer uses the home banking system, the cash payment request information is preferably received by the information receiving unit 115 through the home banking server, if the information processing server 100 is the home When the banking device is exposed to the connected communication network, the cash payment request information may be directly received from the home banking device to the information receiving unit 115, and thus the present invention is not limited thereto.

In addition, when the cash transmitting customer uses the TV banking system, the cash payment request information is preferably received by the information receiving unit 115 through the TV banking server, if the information processing server 100 is the digital When the TV is exposed to the connected communication network (eg, Return Channel), the cash payment request information may be directly received from the digital TV to the information receiving unit 115, thereby limiting the present invention. Not.

According to the implementation method of the present invention, the cash payment request information is the payment amount information to be paid by the cash sending customer through the cash payment system using the financial terminal according to the present invention, and the payment amount of the financial account of the cash sending customer The financial account information to be withdrawn, the financial transaction processing information required to withdraw the payment amount from the financial account of the cash transmitting customer through the financial transaction system, at least one financial terminal information with which the payment amount is withdrawn, and cash At least one customer communication means for the receiving customer is preferably included.

Preferably, the payment amount information of the cash payment request information includes the amount information to be paid to a predetermined cash receiver by the cash transmitting customer through the cash payment system using the financial terminal according to the present invention. Is preferably withdrawn from at least one or more of the financial account of the cash sending customer.

The financial account information of the cash payment request information is information corresponding to the cash-transmitting customer-owned financial account with which the payment amount is withdrawn, and preferably includes an account number for the financial account. It may further comprise additional information such as branch (or branch) number for the account, and / or the name of the account holder.

Further, the financial transaction processing information in the cash payment request information is information for withdrawing the payment amount for the financial terminal-based cash payment according to the present invention from the financial account of the cash transmitting customer, and corresponds to each financial transaction system. It is preferable to include the financial transaction processing information.

For example, when the financial transaction system used by the cash transmitting customer is an internet banking system, the financial transaction processing information is provided in the financial account password and a security card issued to the cash transmitting customer by the financial institution for the internet banking. It is preferable to include any one of the security code.

Further, the financial terminal information of the cash payment request information is information for designating at least one or more financial terminals through which the cash receiving customer can withdraw the payment amount, wherein the cash transmitting customer uses the cash terminal information. The payment terminal can be processed to withdraw the payment amount from the financial terminal near the receiving customer.

Here, the financial terminal information is the financial terminal location information (for example, Seoul Subway Line 2 City Hall Station) which can withdraw the payment amount and / or the branch (or branch) information provided with the financial terminal (for example, Yeoksam, Gangnam-gu, Seoul) At least one or more).

According to another exemplary embodiment of the present invention, the financial terminal information may be omitted from the cash payment request information, and in this case, the cash receiving customer may withdraw the payment amount through any financial terminal.

In addition, the customer communication means information of the cash payment request information is the cash receiver to receive the cash payment number and / or password to be provided to the financial terminal in order to withdraw the payment amount through the financial terminal It is preferable to include at least one or more communication means information, such as a mobile phone number and / or mail address and / or messenger account information of the customer, the cash payment number and / or password is provided through the customer communication means information.

According to another embodiment of the present invention, it is possible to omit the customer communication means information in the cash payment request information, in which case the cash payment number and / or password through the financial transaction system used by the cash transmitting customer The cash transmitting customer may then provide the cash payment number and / or password directly to the customer communication means of the cash receiving customer.

When the cash payment request information including the payment amount information, the financial account information, and the financial transaction processing information is received through the information receiving unit 115, the financial processing unit 105 is linked with the financial system 140 to receive the cash. Characterizing that the amount corresponding to the payment amount information is withdrawn from the cash sending customer financial account through the financial account information and the payment amount information included in the payment request information can be paid to a predetermined cash receiving customer .

Here, the check that the amount corresponding to the payment amount information is withdrawn from the cash transmitting customer financial account can be paid to a predetermined cash receiving customer, the balance deposited in the cash transmitting customer financial account corresponding to the financial account information. And whether the amount is larger or smaller than the amount corresponding to the payment amount information.

In addition, the financial processing unit 105 corresponds to the payment amount information from the cash sending customer financial account through the financial account information and the financial transaction processing information included in the cash payment request information in connection with the financial system 140. It is characterized in that the financial transaction is processed so that a predetermined cash receiving customer can withdraw the payment amount through a predetermined financial terminal.

According to an embodiment of the present invention, the financial processing unit 105 is linked to the financial system 140 through the financial account information and financial transaction processing information included in the cash payment request information through the cash transmission customer financial account And setting a lock on the financial account so that the amount corresponding to the payment amount information from the withdrawal and / or transfer is not made by the other financial transaction.

According to another exemplary embodiment of the present invention, when the financial processing unit 105 and the financial system 140 cooperate with each other to provide a predetermined escrow function (for example, cash using a financial terminal according to the present invention). When a predetermined escrow account is provided for the payment), the financial processing unit 105 is linked with the financial system 140 and the financial account information and financial transaction processing information included in the cash payment request information. And withdrawing the amount corresponding to the payment amount information from the cash transmitting customer financial account through the escrow account.

After the financial processing unit 105 performs a financial transaction process necessary for cash payment using the financial terminal in connection with the financial system 140 based on the cash payment request information, the information generating unit 110 A predetermined cash receiving customer generates a cash payment number and / or a password for withdrawing an amount corresponding to the payment amount information without a bankbook (or a card) through a predetermined financial terminal.

Here, the cash payment number is a one-to-one correspondence with the cash payment request information received from the predetermined financial transaction system to the information receiving unit 115, and / or one-to-one with the financial transaction processed through the financial processing unit 105. It characterized in that it comprises at least one or more of the matching serial number, wherein the cash payment number preferably comprises information that can be input through the key input means provided in the predetermined financial terminal to withdraw the payment amount For example, when the key input means provided in the financial terminal to which the payment amount is withdrawn supports only number input, the cash payment number and / or the password may be formed of a plurality of numbers, or the payment amount may be withdrawn. When the key input means provided in the financial terminal to be supported supports inputting numbers / letters / symbols, the cash payment is made. Number and / or password can be composed of a plurality of number / character / symbol.

The password may include at least one piece of authentication information for authenticating the withdrawal of the amount corresponding to the payment amount information by inputting the cash payment number through a key input means provided in a predetermined financial terminal. In this case, the password may include information that can be input through a key input means provided in a predetermined financial terminal for withdrawing the payment amount, for example, a key provided in the financial terminal with which the payment amount is withdrawn. When the input means supports only numeric input, the cash payment number and / or password is preferably composed of a plurality of numbers, or the key input means provided in the financial terminal to which the payment amount is withdrawn inputs numbers / letters / symbols. If you support the cash payment number and / or password may be divided into a plurality of numbers / letters / symbols It is possible eojineun.

In particular, when both the cash transmitting customer and the cash receiving customer are current customers, the password corresponds to information corresponding to the customer authentication means provided in the financial terminal for withdrawing the amount corresponding to the payment amount information (e.g., in the financial terminal). When the fingerprint recognition function is provided, it may include the biometric information including the fingerprint of the customer receiving the cash), whereby the present invention is not limited.

According to the method of the present invention, the cash payment number and the password are preferably mutually processed, whereby the cash receiver receives the cash through a key input means provided in a predetermined financial terminal without a bank account (or card). It is possible to withdraw the amount corresponding to the payment amount through the procedure of entering the payment number and password.

According to another embodiment of the present invention, it is possible to omit the password according to the intention of a person skilled in the art (for example, by encrypting the cash payment number and transmitting it to the customer communication means of the cash receiving customer, and transmitting the encrypted cash payment number). If it is possible to authenticate the validity of the cash payment through the decryption process, the password associated with the cash payment number can be omitted), whereby the present invention is not limited.

The information transmitting unit 130 transmits the cash payment number and / or password generated by the information generating unit 110 to the customer communication means of the cash receiving customer through a predetermined network means, the customer The communication means may be a wireless terminal (e.g., CDMA-based mobile communication terminal, IEEE 802.16) of the cash receiving customer capable of transmitting and receiving a predetermined wireless message (e.g., short message (SMS), multimedia message (MMS)) and / or wireless internet access. x-based mobile Internet terminal, etc.), and / or at least one or more mail addresses of the cash-receiving customers, and / or messenger accounts of the cash-receiving customers.

According to the method of the present invention, the information transmitting unit 130 transmits the information to the customer communication means of the customer receiving the cash preferably further comprises the payment amount information in addition to the cash payment number and / or password. Thus, the cash receiving customer can intuitively check how much money can be withdrawn using the financial terminal.

In addition, the information transmitted by the information transmitting unit 130 to the customer communication means of the cash receiving customer is predetermined financial terminal information that can withdraw the amount corresponding to the payment amount information in addition to the cash payment number and / or password It is preferable to further include, whereby the cash receiving customer can withdraw the amount corresponding to the payment amount only in the financial terminal corresponding to the financial terminal information.

Hereinafter, the information transmitting unit 130 including the cash payment number and / or password, and / or the payment information and / or financial terminal information according to the intention of the skilled person is transmitted to the customer communication means This information is called cash payment information.

According to the implementation method of the present invention, the information transmitting unit 130 communicates the customer's customer of the cash receiving customer through the predetermined network means in order to secure the convenience of cash payment using the financial terminal; It is preferable to carry out the batch transfer by means.

In addition, the information transmitter 130 transmits the cash payment number in advance to the customer communication means of the cash receiving customer through a predetermined network means in order to secure stability and / or reliability of the cash payment using the financial terminal. And, after a certain period of time, it is preferable to transmit a predetermined password associated with the cash payment number, or transmit the cash payment number and password together.

In particular, in the above cash payment number and / or password transmission process, the process of approving the cash sending customer to withdraw the amount corresponding to the payment amount to the cash receiving customer during the predetermined time period is further performed. It is desirable to be.

In addition, the information transmission unit 130 to the first customer communication means of the cash receiving customer through a predetermined network means to secure the stability and / or reliability and / or security of the cash payment using the financial terminal It is preferable to transmit the cash payment number, and transmit a predetermined password associated with the cash payment number to the second customer communication means of the cash receiving customer, or transmit the cash payment number and the password together.

In addition, the information transmitting unit 130 transmits the encrypted cash payment number and / or password to at least one or more customer communication means through a predetermined network means in order to secure a high security of the cash payment using the financial terminal. Preferably, the cash payment number and / or password is encrypted by the encryption processing unit 120.

According to an embodiment of the present invention, when the customer communication means is a wireless terminal of a cash receiving customer and the wireless terminal is capable of transmitting and receiving a predetermined wireless message (for example, the mobile communication terminal capable of transmitting and receiving a short message by the customer communication means). , The information transmitting unit 130 includes the cash payment number and / or password in the wireless message and transmits the cash payment number and / or password to the wireless terminal of the cash receiving customer through a predetermined wireless communication network.

In addition, when the customer communication means is a wireless terminal of a cash-receiving customer, and the wireless terminal has a predetermined wireless Internet connection (for example, the customer communication means is WAP / ME (Wireless Application Protocol / Mobile Explorer) based wireless Internet access Or a mobile communication terminal capable of wireless Internet access using a mobile IP (MIP)), the information transmission unit 130 for checking the cash payment number and / or password Sending a predetermined network address to a wireless terminal of the cash receiving customer through a predetermined wireless communication network (for example, when the wireless terminal is a mobile communication terminal, a wireless message including a predetermined callback URL (CallbackURL) is a customer wireless terminal. And then the cash receiving customer via the wireless terminal through the network address and the cash payment number and / or To check the password is preferred.

In addition, when the customer communication means is the mail address of the customer receiving the cash, the information transmitting unit 130 preferably transmits the cash payment number and / or password in a predetermined mail to the mail account of the customer receiving the cash. In addition, when the customer communication means is a messenger account of the customer receiving the cash, the information transmitting unit 130, the cash payment number and / or password through the message function provided in the messenger program corresponding to the messenger account the cash It is desirable to send to the messenger account of the receiving customer.

Those skilled in the art to which the present invention pertains, inferring various forms of customer communication means other than the connected customer wireless terminal, and / or mail address, and / or messenger account with reference to FIG. It will be understood that the method of transmitting the cash payment number and / or password to the inferred customer communication means, the present invention encompasses all of the inferred implementation methods.

When the customer communication means of the cash receiving customer is connected to an open network such as an e-mail address and / or a messenger account, the encryption processing unit 120 encrypts the cash payment number and / or password through a predetermined encryption method. In this case, the information transmission unit 130 is characterized in that for transmitting the encrypted cash payment number and / or password to the customer communication means of the customer receiving the cash through a predetermined network means.

In particular, when transmitting the encrypted cash payment number and / or password to the customer communication means of the customer receiving the cash, the information transmission unit 130 is a predetermined for decrypting the encrypted cash payment number and / or password It is possible to further transmit the security program to the customer communication means of the cash receiving customer, whereby the present invention is not limited.

According to the embodiment of the present invention, the encryption processing unit 120 encrypts the cash payment number and / or password, a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or It is preferable to include at least one or more of the electronic envelope encryption method and / or key exchange encryption method, and those skilled in the art to which the present invention pertains, in addition to the encryption method in response to the customer communication means Although various forms of encryption methods may be inferred for encrypting the cash payment number and / or password, the present invention includes all such inferred implementation methods.

The information storage unit 125 stores the cash payment number and / or password generated by the information generation unit 110 in a predetermined storage medium 135, wherein the cash receiver receives the cash. The stored cash payment number and / or password and the payment amount information and / or the predetermined financial account information to withdraw the amount corresponding to the payment amount information through a payment number and / or password through a predetermined financial terminal. It characterized in that the cooperative processing to store, and if the cash payment request information includes the predetermined financial terminal information through the information receiving unit 115, the information storage unit 125 further links the financial terminal information It is characterized by processing and storing.

According to an exemplary embodiment of the present invention, when the financial processing unit 105 locks the amount corresponding to the payment amount information in the cash sending customer financial account, the financial processing unit 105 is processed in association with the cash payment number and / or the password. The financial account information is preferably made to include the financial account information of the cash transmission customer set the lock.

According to another exemplary embodiment of the present invention, the financial processing unit 105 and the financial system 140 interoperate with each other to provide a predetermined escrow function (for example, predetermined payment for cash payment using the financial terminal according to the present invention). When an escrow account is provided), and when the amount corresponding to the payment amount is deposited in the escrow account, the financial account information linked to the cash payment number and / or the password may include the escrow account information. Do.

According to another exemplary embodiment of the present invention, the financial account (eg, the financial account of the cash transmitting customer whose lock on the payment amount is set, and / or the escrow account in which the payment amount is deposited) is confirmed through the cash payment number. If possible, the financial account information can be omitted, and / or if the payment amount information can be confirmed through the financial account information (e.g., the amount of the lock is set through the financial account of the cash sending customer). And / or the amount deposited in the escrow account), it is possible that the payment amount information is omitted, whereby the present invention is not limited.

In FIG. 1 according to a preferred embodiment of the present invention, the storage medium 135 is shown to be provided in association with the information processing server 100. However, the storage medium 135 may include the information processing server ( 100 and the cash payment number in the ledger D / B provided in the financial system 140 to facilitate withdrawal of the payment amount through the financial terminal according to the intention of the skilled person And / or store the password in association with the payment amount information and / or predetermined financial account information, and / or the cash payment number and / or password in a predetermined database associated with the ledger D / B. The information and / or the predetermined financial account information may be stored in association with each other, which will be described in detail with reference to FIGS. 2 and 3.

2 is a view showing an embodiment in which the cash payment number and / or password is stored in the ledger D / B according to another embodiment of the present invention.

In detail, FIG. 2 shows the cash payment in the ledger information provided in the ledger D / B when the storage medium 135 illustrated in FIG. 1 is the ledger D / B provided on the financial system 140. The information structure for one embodiment of how the number and / or password is stored is shown. If a person of ordinary skill in the art belongs to the present invention, referring to and / or modifying the drawing 2, the ledger D / B Various information configuration methods for storing the cash payment number and / or password in the present invention may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided on the financial system 140 may include a predetermined customer ledger and an account ledger (or reception) associated with the customer ledger. Ledger) and at least one information associated with the account ledger, if the person of ordinary skill in the art belongs, ledger D / B provided on the financial system 140 In addition to the customer ledger and the account ledger shown in Figure 2, the at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers further includes It will be clearly understood that it is, and because you will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger (or receiving ledger) is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes at least one of interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (months), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information including at least one of; and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares; and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the cash payment number and / or password and / or payment amount information and / or financial account information and / or financial terminal information processed by the information processing server 100 shown in FIG. The cash payment number and / or password and / or payment amount information and / or financial account information and / or financial terminal information are further stored in the form of additional information added to the predetermined CIF number for linking with the ledger. It is included, whereby a predetermined cash receiving customer in the financial terminal-based financial transactions made based on the financial system 140, through the cash payment number and / or password through the amount corresponding to the payment amount information through the financial information It is easily provided to withdraw money from the account.

According to another embodiment of the present invention, the cash payment number and / or password and / or payment amount information and / or financial account information and / or financial terminal information is stored in the form of information included in the account ledger ( Omitted), and / or in the form of additional information added to the ledger other than the account ledger (eg, the customer ledger), and / or in the form of information contained in the ledger other than the account ledger (eg, the customer ledger). All of them are possible, and this invention is not limited.

3 is a diagram illustrating an embodiment in which a cash payment number and / or a password are stored in a database associated with the ledger D / B according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates an information structure of an exemplary method in which the storage medium 135 illustrated in FIG. 1 is stored in a predetermined database linked to the ledger D / B provided on the financial system 140. As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to associate the cash payment number and / or password with the ledger D / B in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 shows the cash payment number and / or password and / or payment amount information and / or financial account information and / or financial terminal information in the ledger information of the ledger D / B provided on the financial system 140. If it is not easy to store (e.g., it is not easy to change the ledger D / B of the DBMS due to the policy of the financial institution, or the system expansion is not easy due to the characteristics of the financial system 140), the ledger D Instead of / B, the cash payment number and / or password and / or payment amount information and / or financial account information and / or financial terminal information are stored in a predetermined database, and the database is linked to the ledger D / B. The implementation method of storing is shown.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 140 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores the cash payment number and / or password in association with predetermined payment amount information and / or financial account information, and stores the cash payment number and / or password and / or Alternatively, the payment amount information and / or financial account information and / or financial terminal information is preferably further included in the CIF number corresponding to the ledger information in order to process the ledger D / B.

Hereinafter, a preferred embodiment of the cash payment system using the financial terminal based on the most commonly used Internet banking system of the financial transaction system will be described.

However, the cash payment system using the financial terminal according to the present invention is never based solely on the Internet banking system, and the cash payment system using the financial terminal is based on a financial terminal including a window terminal based banking system and a CD / ATM. It is possible to be based on at least one or more of a banking system, a wireless banking system, an IC chip-based wireless banking system, a telebanking system, a home banking system, a TV banking system, and have a general knowledge in the technical field to which the present invention belongs. If it is, refer to the cash payment system using a financial terminal based on the Internet banking system below, a window terminal based banking system, a financial terminal based banking system including CD / ATM, a wireless banking system, an IC chip based wireless banking system, Based on at least one of a telebanking system, a home banking system, and a TV banking system Would be able to easily infer the system configuration, the present invention comprises both a system configuration in which the inference.

4 is a diagram showing the configuration of an Internet banking-based cash payment system according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a predetermined connection between at least one client terminal 450 and a communication channel for internet banking based on a TCP / IP based network (eg, the Internet). An embodiment of an internet banking system that processes at least one or more financial transactions requested from the client terminal 450 in cooperation with the financial system 140 in the internet banking server 400, wherein the internet banking system includes a web browser. At least one client terminal 450 and the Internet banking server 400 for providing an Internet banking service to the at least one client terminal 450, the Internet banking server 400 is a predetermined interface Gold for processing the financial services necessary to provide the Internet banking service by means of It is associated with the system 140. The

Those of ordinary skill in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. However, the present invention is not limited to the components omitted.

That is, FIG. 4 illustrates the client terminal 450 and the Internet banking server based on a predetermined browser program (eg, Internet Explorer of Microsoft Corporation and / or Netscape Navigator of Netscape Corporation) provided in the client terminal 450. While the method of implementing the Internet banking system for processing cash payments using the financial terminal in the meantime, if the person of ordinary skill in the art belongs, Internet banking using the browser program shown in Figure 4 A cash payment using the financial terminal between the client terminal 450 and the internet banking server based on a predetermined internet banking program installed in the client terminal 450 by referring to and / or modifying a method for connecting to a financial transaction channel based on the financial transaction channel. Infer the configuration of the Internet banking system to handle It will be appreciated, but the present invention includes an internet banking system provided based on the internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking system configuration shown in Figure 4, in addition to the non-face-to-face channel-based financial transactions according to the present invention It would be possible to infer another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, but the present invention provides for such a telebanking system and / or a wireless banking system and / or a TV banking system. Or any non-face-to-face channel banking system including a non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal 450 includes at least one web browser for accessing the internet banking server 400 and receiving a browsing-based wired web service based on the wired communication function based on TCP / IP and the wired communication function. And a wired terminal including at least one desktop computer and / or a notebook, wherein the Internet banking server is provided through a predetermined network means including the TCP / IP-based Internet. 400 and a communication channel for internet banking is connected.

Referring to FIG. 4, the financial system 140 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An information system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch information support, and customer information management; And various electronic financial services (e.g., internet banking, phone banking, CD / Cash Dispenser) / ATM (Automated Teller Machine), other exchanges, call centers by accessing the financial system and external computer networks including homes, businesses, stores and card companies. , An external system that provides financial settlement, etc., and interfacing between components within the financial system. Interface module corresponding to the middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It comprises a DBMS (Database Management System) including at least one database for storing and managing the, and the intention of the skilled person and / or the type of each financial institution (eg commercial banks, savings banks, trust banks) and the financial Depending on the purpose and characteristics of the system, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and the present invention belongs to Those skilled in the art will clearly understand the technical details of the financial system 140, so Detailed description will be omitted for convenience, to which the present invention is not limited.

According to the present invention, the CD / ATM unit provided in the external system on the financial system 140 for cash payment using the financial terminal 140 corresponds to at least one or more financial terminals. Of course, it characterized in that it comprises a function for processing the cash payment financial transaction through the cash payment number and / or password according to the present invention.

To this end, the CD / ATM unit provided in the external system on the financial system 140 checks the cash payment number and / or password received from a predetermined financial terminal through a predetermined financial network (for example, CD common network), By comparing the confirmed cash payment number and / or password with the cash payment number and / or password stored in the storage medium 135 (or ledger D / B, or a predetermined database associated with the ledger D / B), It is preferable to approve (or authenticate) the withdrawal of the amount corresponding to the payment amount information through the financial terminal.

If the withdrawal of the amount corresponding to the payment amount information is approved (or authenticated), the CD / ATM unit provided in the external system on the financial system 140 receives the amount corresponding to the payment amount information through the financial terminal. It is preferable to process the withdrawal, whereas, if it is not approved (or certified) to withdraw the amount corresponding to the payment amount information, the CD / ATM unit provided in the external system on the financial system 140 is provided through the financial terminal. It is desirable to process the amount corresponding to the payment amount information so that it is not withdrawn.

In addition, the financial system 140 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 140 and the purpose of the financial system 140. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 140, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the embodiment of the present invention, the DBMS provided in the financial system 140, the financial institution opens at least one financial account to at least one financial transaction customer, at least one or more financial based on the financial account And a ledger D / B for storing at least one ledger for providing a transaction service, wherein the ledger D / B performs at least one financial transaction processing that the financial institution will provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 140. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the Internet banking server 400 interworks with the financial system 140 through the external system. For this purpose, the Internet banking server 400 is provided through a predetermined interface means. It is preferred to include a component for interworking with.

The Internet banking server 400 is a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one client terminal 450, and / or It is provided with a DBMS 420 including a database for storing the Internet banking information required to provide a predetermined Internet banking service in conjunction with the financial system 140, or the DBMS 420 is provided according to the implementation method It is characterized in that the interworking with the data server, thereby providing a predetermined Internet banking service to at least one or more of the client terminal (450).

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the client terminal 450 when at least one client terminal 450 accesses and logs in to the Internet banking server 400. Or when the customer authenticates the financial transaction customer during at least one financial transaction through the internet banking server 400, and / or when the customer subscribes to the internet banking server 400 for at least one financial product. Customer authentication information for authenticating the customer to subscribe to, and when the financial transaction request from the customer via the client terminal 450, in conjunction with the financial system 140 to process the financial transaction corresponding to the financial transaction request It is preferable to include the banking element information for, and necessary for Internet banking according to the intention of the skilled person It may be included at least one further information, the figure 4, this is omitted for convenience.

Referring to FIG. 4, the Internet banking server 400 connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more client terminals 450. An interface unit 405, a web page operating unit 415 for operating a web page to be provided to at least one or more of the client terminals 450 in cooperation with the web interface unit 405 and the DBMS 420; A UI processing unit 410 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal 450 in cooperation with the webpage operation unit 415, and the UI processing unit In operation 410, the predetermined content for providing the Internet banking service is extracted from the DBMS 420 or stored in the DBMS 420 from the client terminal 450. And a content operation unit 425 for receiving predetermined content to be processed, and process Internet banking based on HTTP between the client terminal 450 and the internet banking server 400 by the function configuration. A communication channel and a user interface are implemented.

In addition, the Internet banking server 400 authenticates the customer with at least one client terminal 450 in association with the webpage operation unit 415 through the UI processing unit 410 based on the customer authentication information of the Internet banking information. It is characterized in that it comprises a customer authentication unit 430 to provide an interface screen, or at least one or more customer authentication information based on the interface screen.

In addition, the internet banking server 400 interoperates with the webpage operation unit 415 through the UI processing unit 410 based on the banking element information of the internet banking information to at least one or more client terminals 450. A banking processing unit 435 may be provided to provide a related interface screen or receive at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 400 comprises a ledger processing unit 440 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system 140 through a predetermined interface means. Characterized in that, the ledger processing unit 440 is preferably connected to the external system of the financial system 140 through the interface means.

The customer authentication information stored in the DBMS 420 may include ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the Internet banking server 400 through the client terminal 450. It is preferable to include a member information including at least one, wherein the customer authentication unit 430 in conjunction with the UI processing unit 410 to the ID / PW information of the customer to the client terminal 450 Request, receive the ID / PW information from the client terminal 450, and compare the received ID / PW information with ID / PW information included in the member information to authenticate the customer. .

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 400 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The client terminal 450 is encrypted using at least one or more of a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method Preferably, the customer authentication unit 430 further includes a function configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 420 may be a certification authority information (for example, KFTC) and authentication server information, and / or the issuing a predetermined official certificate to a customer connected through the client terminal 450. Accredited certificate registrar information (e.g., when the accredited certificate is registered through the process, the process information, when the accredited certificate is registered through the process, etc.), and / or certificate information issued to the customer by the certification body. It is preferable that the further comprises, wherein the customer authentication unit 430 requests the authentication certificate-based customer authentication through the authentication certificate registered by the registration authority to the authentication server of the certification authority, the customer from the authentication server By receiving an authentication result, the customer is characterized in that the authentication.

According to an embodiment of the present invention, the customer authentication unit 430 provides communication session information and the certificate information connected to the client terminal 450 to the authentication server of the certification authority, and the authentication server provides the communication session information. After performing a customer authentication procedure corresponding to the certificate information to the client terminal 450 based on the, it is preferable to provide the result to the customer authentication unit 430.

In addition, the customer authentication information stored in the DBMS 420 is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 400 through the client terminal 450, and / or predetermined to the customer It is preferable to include the directory connection information of the certification authority issuing the public certificate, the client authentication unit 430 in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the client the client terminal Requesting the certificate-based customer information to the 450, receiving the certificate-based customer information from the client terminal 450, and authenticating the certificate-based customer information through the copy of the certificate and / or the directory of the certification authority, Characterize the customer.

According to the exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 430 or a predetermined random number generated by the client terminal 450. The client terminal 450 uses at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method for the random number through the certificate. Encrypted through one or more encryption schemes provided to the customer authentication unit 430 (for example, when the random number is generated in the client terminal 450 further includes a random number in the form of a plain text), the customer authentication unit 430 ) Compares each other by decrypting the encrypted random number based on the copy of the customer's certificate and / or the certificate information of the customer extracted from the directory. Or, and / or encrypt and compare the random number in the plain text form (for example, the random number generated by the customer authentication unit 430, and / or the random number generated by the client terminal 450). It is preferable.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the client terminal 450 previously stored information (eg, stored in the storage device of the client terminal 450 in the Internet banking server 400). Information, and / or information (or system information) previously stored in the client terminal 450, and / or storage read out from an IC card (and / or IC chip) interworking with the client terminal 450. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the client terminal 450 converts the stored information to the symmetric key (or secret key) encryption scheme, and / or public key encryption scheme, and / or electronic envelope encryption scheme, and / or key exchange through the public certificate. At least one of the encryption methods The encryption method is provided through the above encryption method and provided to the customer authentication unit 430, and based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory by the customer authentication unit 430. It is desirable to authenticate the customer by decrypting and comparing the encrypted stored information.

According to another exemplary embodiment of the present invention, the certificate-based customer information includes input information (for example, a key input device provided in the client terminal 450) input through an input means provided in the client terminal 450. Information input through an input device (eg, a short-range communication device) other than a key input device provided in the client terminal 450, and in this case, the client terminal 450. The at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is used for the input information. The encryption is provided through the customer authentication unit 430, and the image is extracted from the copy of the customer's official certificate and / or the directory in the customer authentication unit 430 It decrypts the client's encrypted certificate information based on the input information, by mutual comparison, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 420 is preferably made of OTP generation information for generating an OTP authentication code that matches the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, At this time, the customer authentication unit 430 interoperates with the UI processing unit 410 to request a predetermined OTP code from the client terminal 450, receives the OTP code from the client terminal 450, and generates the OTP. By generating a predetermined OTP authentication code based on the information, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic at the client terminal 450 to provide a more advanced security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 430 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When at least one financial transaction is requested from the client terminal 450, the banking processor 435 interoperates with the UI processor 410 to request the financial transaction corresponding to the requested financial transaction to the client terminal 450. Providing a data input interface screen and receiving (or selecting) predetermined financial transaction request information from the client terminal 450 through the financial transaction request information input interface screen, by referring to the banking element information; It is characterized in that the predetermined financial transaction information corresponding to the financial transaction request information is generated (or extracted) and provided to the ledger processing unit 440.

For example, when the financial transaction requested from the client terminal 450 is an account transfer transaction, the banking processor 435 may be linked with the UI processor 410 to transmit information to the client terminal 450. For example, a predetermined interface screen for inputting (or selecting) a withdrawal account number, a withdrawal account password, a deposit bank information, a deposit account number, a transfer amount information, a security code number, etc.) is provided, and the account is displayed through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) necessary for the transfer is received and received, the banking element information will be referred to. Generate predetermined financial transaction information for withdrawing the transfer amount from a withdrawal account and depositing it into the deposit account to the ledger processing unit 440. And balls.

According to the exemplary embodiment of the present invention, the banking processor 435 receives at least one financial transaction request information from the client terminal 450, and performs at least one customer authentication scheme in cooperation with the customer authentication unit 430. It is preferable to authenticate the customer who requested the financial transaction through the client, and thereby, confidentiality of the customer who requested the financial transaction through the client terminal 450 (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Confidentiality, Authentication, Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processor 435 may be configured to secure confidentiality, authentication, integrity, and nonrepudiation of at least one financial transaction request information transmitted from the client terminal 450. In step 450), the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processing unit 435 receives the financial transaction request information from the client terminal 450, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 435 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the client terminal 450 for at least one financial transaction. In this case, the financial transaction request information may be encrypted and transmitted by an electronic envelope method. In this case, the banking processor 435 may receive the financial transaction request information from the client terminal 450 and decrypt the electronic transaction method. Preferably, this ensures confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information.

The ledger processing unit 440 may be linked with the financial system 140 through a predetermined interface unit. When predetermined banking information is generated (or extracted) by the banking processing unit 435, Identifying at least one or more ledger information to be extracted from the ledger on the financial system 140 in response to financial transaction information, and extracting the identified ledger information from the ledger on the financial system 140 through the interface means; And / or generate (or extract) ledger record information recorded in the ledger on the financial system 140 in response to the financial transaction information, and generate the ledger on the ledger on the financial system 140 through the interface means. Or extracted) the ledger record information.

For example, the financial transaction requested from the client terminal 450 is an account inquiry transaction for the last month, and the banking processing unit 435 receives financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry. When generated (or extracted), the ledger processing unit 440 is linked to the account ledger (and / or the customer ledger) on the financial system 140 through the interface means based on the financial transaction information for the account inquiry Transaction history of the account from the transaction history information associated with the account ledger) is extracted from the transaction history of the account and provided to the banking processor 435.

According to the present invention, the internet banking server 400 is an interface screen that the banking processor 435 provides to the client terminal 450 in cooperation with the web page operation unit 415 through the UI processing unit 410. Among them, the client terminal 450 comprises a cash payment interface screen including a user interface for inputting (or selecting) at least one cash payment request information, wherein the cash payment from the client terminal 450 An information relay unit which relays the cash payment request information to the information processing server 100 when predetermined cash payment request information is input (or selected) through an interface and received through the web interface unit 405 ( And 455).

According to an embodiment of the present invention, when the cash payment request information is received with an encryption and / or an electronic signature attached according to a non-face-to-face financial transaction procedure defined in the internet banking system, the information relay unit 455 may be configured to receive the cash payment request information. A validity verification process such as decryption and / or digital signature verification for the cash payment request information may be further performed, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, a functional configuration unit (eg, the information receiving unit 115, and / or the financial processing unit 105, and / or the information generating unit 110) provided in the information processing server 100 is provided. ) Is provided in the Internet banking server 400, the information relay unit 455 may be replaced by the functional configuration unit, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, a web server function (eg, the information processing server 100 is provided to the client terminal 450 in the information processing server 100 is provided with the cash payment interface, and the client terminal 450 is provided). ), The banking processing unit 435 is linked with the web page operation unit 415 via the UI processing unit 410 to the client terminal 450. The provided interface screen may include a user interface for requesting a cash payment interface screen for inputting (or selecting) at least one cash payment request information from the client terminal 450, and the client terminal 450 may include the user interface. In the case of requesting a cash payment interface, the information relay unit is located between the client terminal 450 and the information processing server 100. And providing a cash payment interface and relaying a communication channel for transmitting and receiving the cash payment request information, and then connecting the cash payment interface from the information processing server 100 to the client terminal 450 through the communication channel. It is possible to receive the cash payment request information directly from the client terminal 450, whereby the present invention is not limited.

When the cash payment request information is received by the information processing server 100, the information processing server 100 in response to the cash payment request information through the functional configuration shown in Figure 1 cash through the financial terminal Process a predetermined financial transaction for payment, generate a cash payment number and / or password corresponding to the financial transaction processing, and then receive the cash payment number and / or password through Send to customer communication means.

Thereafter, the customer receiving the cash corresponds to the payment amount information by visiting a predetermined financial terminal using the cash payment number and / or password received through the customer communication means and inputting the cash payment number and / or password. The amount to be withdrawn.

According to the method of the present invention, the information processing server 100 preferably transmits the information to the customer communication means of the cash receiving customer further comprises the payment amount information in addition to the cash payment number and / or password. .

In addition, the information transmitted by the information processing server 100 to the customer communication means of the customer receiving the cash is predetermined financial terminal information that can withdraw the amount corresponding to the payment amount information in addition to the cash payment number and / or password It is preferred to further comprise a.

5 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to a preferred embodiment of the present invention.

In more detail, FIG. 5 illustrates the Internet banking-based cash payment system shown in FIG. 4 when the client terminal 450 accesses the Internet banking server through a TCP / IP-based network (eg, the Internet). The present invention relates to a method of connecting an internet banking-based financial transaction channel between the client terminal 450 and an internet banking server by performing a predetermined customer authentication procedure. 5 and various modifications may be inferred from the client terminal 450 and the internet banking server to connect an internet banking-based financial transaction channel for cash payment using a financial terminal. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. The.

That is, FIG. 5 shows the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 450. Although the implementation method for connecting the Internet banking-based financial transaction channel for cash payments using the financial terminal between the client terminal 450 and the Internet banking server based on the present invention, having a general knowledge in the art Growing up, the client terminal 450 based on a predetermined internet banking program mounted on the client terminal 450 by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. ) And use a financial terminal between the Internet banking server Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for a cash payment, the present invention includes an provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 5, in addition to the internet banking system, and a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems, may infer an implementation method for connecting non-face-to-face channel-based financial transaction channels for cash payments using financial terminals, but the present invention provides the telebanking system and And / or all types of non-face-to-face channel based financial transactions including wireless banking systems and / or TV banking systems and / or future non-face-to-channel banking systems, the technical configuration of the present invention being illustrated in FIG. It is by no means limited to Internet banking.

Hereinafter, in FIG. 5, the client terminal 450 is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 5, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (500), the server connects a communication channel between the terminal and the server through the browser. In this case, the communication channel is a web page generated (or extracted) by a request of a browser program provided in the client terminal 450 and transmitted to the client terminal 450 by the server. Assigns a predetermined communication session so that a browser program included in the client terminal 450 may receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page. Means.

According to another embodiment of the present invention, when the client terminal 450 is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one of the internet banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (510).

According to another exemplary embodiment of the present invention, when the client terminal 450 is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. You can check whether you want to update the program (and / or the security module associated with the Internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (515), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (520).

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (525) or to mount and / or update the security module for internet banking on the terminal (515), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (530), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the same method, and is provided to the server for cash payment using a financial terminal in the terminal. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the client terminal 450 is provided with a predetermined internet banking program, the Internet banking-based secure channel is provided from the server to the terminal according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and provided by at least one encryption method (and / or encryption algorithm), the electronic signature is confirmed by the terminal and / or the encryption is performed. Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm), and also the cash payment using the financial terminal in the terminal. Attach certain electronic signatures to information (or data) to be provided to the server for Is encrypted with at least one encryption method (and / or encryption algorithm) and transmitted, the server verifies the digital signature and / or a predetermined decryption method (and / or encryption algorithm) corresponding to the encryption method (and / or encryption algorithm). / Or decryption algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (535).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, and the server includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Data is preferably transmitted electronically and / or encrypted over the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (540), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (545).

If the Internet banking customer authentication fails (550), the server blocks the Internet banking security channel for the terminal (555), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (550), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (560), where the Internet banking based The financial transaction channel refers to at least one financial transaction request requested from the terminal, and the server accesses the ledger on the financial system 140 to perform the requested financial transaction (eg, account inquiry, account transfer, bill payment). , ... ... etc.) means a communication channel that can handle.

6 is a diagram illustrating an internet banking-based financial transaction method according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an Internet banking-based cash payment system shown in FIG. 4, wherein the client terminal 450 accesses the Internet banking server through the process shown in FIG. After performing, if an internet banking-based financial transaction channel is connected between the client terminal 450 and the internet banking server, the financial terminal from the client terminal 450 to the internet banking server through the internet banking-based financial transaction channel. When providing the cash payment request information for cash payment using the, the Internet banking server for providing the cash payment request information to the information processing server 100, which is typically in the technical field to which the present invention belongs. Those skilled in the art will be able to refer to and / or modify this drawing to modify the client terminal 450 and the Internet. Although various implementation methods for providing cash payment request information through an internet banking-based financial transaction channel between banking servers may be inferred, the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited to this.

For example, the cash payment request information may be provided from the client terminal 450 to the information processing server 100, whereby the present invention is not limited thereto.

In addition, in FIG. 6, the Internet banking base is accessed by accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 450. When the financial transaction channel is connected, it is illustrated that the cash payment request information is provided to the Internet banking server through the browser program. However, if the person having ordinary knowledge in the technical field to which the present invention pertains is illustrated in FIG. Refer to and / or modify an internet banking-based financial transaction method using a browser program and request the cash payment from the client terminal 450 to the internet banking server based on a predetermined internet banking program mounted on the client terminal 450. Implementation method to provide information It may be inferred, but the present invention is not limited thereto.

In addition, if a person of ordinary skill in the art to which the present invention pertains, a method for providing cash payment request information based on the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction method shown in FIG. In addition, other banking systems such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer a non-face-to-face channel based financial transaction method for cash payment using a financial terminal. The present invention provides a method for providing all kinds of non-face-to-face channel-based cash payment request information including a banking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system proposed in the future. This is not limited to the case of the Internet banking shown in FIG.

Hereinafter, in FIG. 6, the client terminal 450 is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 6, when the internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 5, the terminal establishes the internet banking-based financial transaction channel for cash payment using a financial terminal. If the server requests a cash payment using the Internet banking-based financial terminal (600), the server checks the cash payment using the Internet banking-based financial terminal requested from the terminal, the cash using the Internet banking-based financial terminal At least one user interface information to be provided to the terminal for payment is extracted (605).

According to one embodiment of the invention, the user interface information is preferably extracted from the banking element information stored in the DBMS 420 provided on the Internet banking-based cash payment system.

Thereafter, the server generates (or extracts) a web page corresponding to a predetermined cash payment interface including the extracted user interface information (610), and generates (or extracts) through the internet banking-based financial transaction channel. The transmitted web page is output to the terminal and output (615).

According to the implementation method of the present invention, the cash payment interface is the payment information of the cash payment customer to pay through the cash payment system using the financial terminal according to the present invention and the financial account of the cash sending customer in the terminal; Designate financial account information for which the payment amount is to be withdrawn, financial transaction processing information necessary for withdrawing the payment amount from the financial account of the cash transmitting customer through the financial transaction system, and at least one financial terminal for which the payment amount is withdrawn; And an interface for inputting (or selecting) cash payment request information including at least one financial terminal information and at least one customer communication means information for a cash receiving customer, and / or the cash payment request information and / Or validating the Internet banking customer requesting the financial transaction. A password (e.g., an account password, etc.) and / or a security code (e.g., a security code printed on a security card issued to a customer during the internet banking application process) and / or one time password (e.g., It is preferable to further include an interface for inputting an internet banking application process (or after an internet banking application) and a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution.

Here, the interface for inputting (or selecting) the payment amount information inputs an amount to be paid to a predetermined cash receiving customer through a cash payment system using the financial terminal according to the present invention in a predetermined currency. It is desirable to include a user interface (eg, entering via an Edit control).

In addition, the interface for inputting (or selecting) the financial account information selects a predetermined financial account (eg, a combo box) in which the payment amount is withdrawn from at least one customer-owned financial account opened in the financial institution. It is desirable to include a user interface (which is selected via a Box control).

In addition, the interface for inputting (or selecting) the financial transaction processing information is a non-face-to-face financing defined by the financial institution to provide withdrawal transactions (or remittance transactions) among non-face-to-face financial transaction methods defined on the Internet banking system. It is preferred to include a user interface for entering (or selecting) transaction-based authentication information.

In addition, the interface for inputting (or selecting) the financial terminal information may classify or classify a branch (or branch) having at least one financial terminal with which the cash receiver may withdraw an amount corresponding to the payment amount. , A user interface (eg, Seoul (large category), Gangnam-gu (middle classification), Yeoksam branch (small classification), etc.) that selects sequentially in a small classification form, and / or is based on a Geographic Information System (GIS). At least one financial terminal capable of withdrawing an amount corresponding to the payment amount on a map of the at least one financial terminal, and at least one or more of the cash receiving customer may withdraw an amount corresponding to the payment amount on the map; It is preferred to include a user interface for selecting a financial terminal.

In addition, the interface for inputting (or selecting) the customer communication means information inputs (eg, edit control) at least one or more of the customer communication means of the mobile phone number and / or mail address and / or messenger account information of the cash receiving customer It is desirable to include a user interface.

According to an embodiment of the present invention, the web page transmission and / or output process is preferably performed at least once according to the internet banking financial transaction procedure, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the client terminal 450 is provided with a predetermined internet banking program, the server does not generate (or extract) a web page, and extracts the extracted user interface information from the internet banking. It may be processed into a data structure corresponding to a predetermined communication protocol defined in the program and transmitted to the terminal, whereby the present invention is not limited.

Then, the terminal through the cash payment interface, the cash payment information to be paid by the customer, the cash payment system using the financial terminal according to the present invention, and the financial amount of the cash payment customer's financial account will be withdrawn Account information, financial transaction processing information necessary to withdraw the payment amount from the financial account of the cash transmitting customer through the financial transaction system, financial terminal information specifying at least one financial terminal to which the payment amount is withdrawn; Cash payment request information including at least one customer communication means information for the cash receiving customer is input (or selected) (620).

If the cash payment request information is input (or selected) through the cash payment interface at the terminal (625), the terminal transmits the input (or selected) cash payment request information to the server through the financial transaction channel. Transmit (630).

According to an embodiment of the present invention, transmitting the cash payment request information input (or selected) to the server through the financial transaction channel may include receiving the cash payment request information input (or selected) through the cash payment interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server checks the validity of the cash payment request information by receiving and reading the cash payment request information through the financial transaction channel (635).

According to an embodiment of the present invention, receiving and reading the cash payment request information through the financial transaction channel and confirming validity may decode the cash payment request information received from the terminal and / or the cash payment request information. This includes checking the digital signature attached to it.

In addition, the validity check of the cash payment request information, it is preferable to further comprise authenticating the password and / or security code and / or OTP included in the cash payment request information.

If the validity of the cash payment request information is not authenticated (640), the server generates a web page including predetermined cash payment error information and transmits the webpage to the terminal (645), corresponding to the cash payment request information. Do not perform financial transaction procedures.

On the other hand, if the validity of the cash payment request information is authenticated (640), the server relays the cash payment request information to the information processing server 100 (650).

7 is a diagram illustrating an information providing process for cash payment using a financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 7, after the predetermined cash payment request information is received by the information processing server 100 through the same process as in FIG. 6, the financial processing using the financial terminal is performed by the information processing server 100. An embodiment of the present invention relates to a method of generating a cash payment number and / or a password and transmitting the generated cash payment number and / or password to a customer communication means of a cash receiving customer. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. It will be possible to infer various implementation methods for transmitting the cash payment number and / or password to the customer communication means of the customer receiving the cash, but the present invention includes all the implementation methods inferred, shown in Figure 7 It is not limited to implementation method.

In addition, in FIG. 7, the cash payment number and / or password is selectively encrypted and transmitted when transmitting the cash payment number and / or password to the customer communication means of the cash receiving customer. However, the present invention is not limited thereto. Depending on the intention (and / or the nature of the customer communication means) the cash payment number and / or password can always be sent encrypted and / or always transmitted without encryption.

Hereinafter, in FIG. 7, the information processing server 100 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, at least the payment amount information, the financial account information, the financial transaction processing information, the financial terminal information, and the customer communication means information are received from the predetermined financial transaction system to the server through the same process as in FIG. When the cash payment request information including one or more is received (700), the server extracts payment amount information, financial account information and financial transaction processing information from the cash payment request information (705), and the financial system 140 In connection with the financial transaction information for processing the financial transaction for payment to a predetermined cash receiving customer by using a predetermined financial terminal, based on the extracted payment amount information, financial account information and financial transaction processing information. 710).

According to the implementation method of the present invention, the financial transaction for cash payment using the financial terminal, the financial lock setting so that the amount corresponding to the payment amount in the financial account of the cash transmission customer is not withdrawn by another financial transaction It is preferable to include a transaction, and / or when the financial system 140 supports an escrow account, withdraw the amount corresponding to the payment amount from the financial account of the cash transmitting customer and deposit it in the escrow account. It is desirable to include financial transactions.

If the financial transaction processing is completed (715), the server generates a predetermined cash payment number and / or password for the cash payment using the financial terminal according to the present invention (720).

Thereafter, the server extracts the customer communication means information of the cash receiving customer from the cash payment request information to transmit the cash payment information to the customer communication means of the cash receiving customer, and confirms the customer communication means (725). In operation 730, predetermined cash payment information to be provided to the customer communication means is generated, including the cash payment number and / or password, payment amount information and / or financial terminal information included in the cash payment request information.

According to the method of the present invention, the cash payment information comprises a data structure (or message structure) that can be provided to the customer communication means of the cash receiving customer corresponding to the customer communication means information included in the cash payment request information. desirable.

For example, if the customer communication means information is a mobile phone of the cash receiver, the cash payment information is generated in the form of a wireless message (eg, a short message or a multimedia message) that can be provided to the mobile phone of the cash receiver. The customer's mobile phone is generated in the form of a wireless web page that can be accessed by checking through the wireless Internet based on the callback.

Alternatively, if the customer communication means information is the mail address of the cash receiving customer, the cash payment information is generated in the form of electronic mail that can be sent to the mail account of the cash receiving customer.

Thereafter, the server checks whether the cash payment information is encrypted based on the customer communication means information (735).

According to the method of the present invention, if the customer communication means of the cash receiving customer is present in an open network (eg, an e-mail address, etc.), the cash payment information is preferably encrypted.

On the other hand, if the customer communication means of the cash-receiving customer exist on a closed network and / or a secure network (eg, a wireless message in which message transmission and reception is managed by a network operator, and / or security with encryption and digital signature functions) Mail), the cash payment information may not be encrypted, and the present invention is not limited thereto.

If it is not necessary to encrypt the cash payment information (740), the server generates the cash to the customer communication means of the cash receiving customer via a predetermined network means (e.g., a network corresponding to the customer communication means information). The payment information is transmitted (745), and the customer communication means receives and outputs the cash payment information (765).

On the other hand, if the cash payment information needs to be encrypted (740), the server performs an encryption procedure for the cash payment information (750), and the encrypted cash payment information is assigned to a predetermined network means (e.g., the customer communication means information). And transmits the encrypted cash payment information to the customer communication means of the cash receiving customer through a network corresponding to the data transmission (755), and the customer communication means receives and decrypts the encrypted cash payment information to receive the cash payment information. Restore (760), and output the restored current payment information (765).

Hereinafter, the at least one of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method for the cash payment information in the information processing server 100. Encrypting through one or more encryption methods and transmitting to the customer communication means of the cash receiving customer, decoding and outputting the cash payment information by a decryption method corresponding to the encryption method and receiving the cash payment information from the customer communication means of the cash receiving customer; For convenience, the customer communication means of the cash receiving customer includes an information receiving unit 115 for receiving the cash payment information, a decryption unit for decoding the encrypted cash payment information, and the decrypted cash payment information. It demonstrates and shows as what consists of the screen output part to output.

8 is a diagram illustrating a method of encrypting and transmitting cash payment information in a symmetric key (or secret key) method in the information processing server 100 according to an exemplary embodiment of the present invention.

More specifically, FIG. 8 illustrates an embodiment of the present invention in which an information processing server 100 having a predetermined encryption function encrypts and transmits the cash payment information in a symmetric key (or secret key) manner. If there is a general knowledge in the field, various implementation methods for encrypting the cash payment information in a symmetric key (or secret key) method by the information processing server 100 on the network means by referring to and / or modifying this figure 8. It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In this figure 8 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the information processing server 100, the public certificate is the information processing server 100 Stored in a predetermined memory unit, and / or stored in an ID-000 type IC chip (or IC card) mounted or detached from the information processing server 100, and / or the information processing. When a predetermined IC card reader is provided in the server 100, it can be all stored in the IC card inserted into the IC card reader, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the symmetric key (or secret key) is stored in a memory unit provided in the information processing server 100 in addition to an authorized certificate, and / or from the customer communication means to the information processing server 100. It can be included in the interface screen provided by) and / or embedded in the communication program to communicate with the customer communication means on the information processing server 100, thereby the anti-invention is not limited.

Referring to FIG. 8, predetermined cash payment information including a predetermined cash payment number and / or password, payment amount information and / or financial terminal information is generated in the information generating unit 110 of the information processing server 100. When provided to the encryption processing unit 120, if the cash payment information is provided, the encryption processing unit 120 encrypts the cash payment information from the official certificate provided in the information processing server 100 A predetermined symmetric key (or secret key) is read (805), and the cash payment information is encrypted (810) via the read symmetric key (or secret key).

Here, the encryption function of the encryption processing unit 120 is called E (Encryption), the symmetric key (or secret key) is k (key), the cash payment information is P (Plaintext), and the symmetric key (or secret). If the cash payment information encrypted with the key) is referred to as C (Ciphertext), the encryption function of the encryption processing unit 120 may be expressed by a formula such as "Ek (P) = C".

According to the method of the present invention, the encryption processing unit 120 encrypts the cash payment information through the symmetric key (or secret key), SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, It is preferable to include at least one or more of the International Data Encryption Algorithm (IDEA), and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the cash payment information is encrypted through the symmetric key (or the secret key) as described above, the information transmission unit 130 transfers the encrypted cash payment information to the customer communication means through a communication protocol defined on the network means. Transmit (815).

9 is a diagram illustrating a method for decrypting cash payment information encrypted and received by a customer communication means by a symmetric key (or secret key) method according to an embodiment of the present invention.

In more detail, FIG. 9 is a method for decrypting the cash payment information encrypted and received from an information processing server 100 having a predetermined encryption function by a symmetric key (or secret key) method in a predetermined customer communication means. As is known in the art to which the present invention pertains, refer to and / or modify this figure 9 to convert the encrypted cash payment information from the information processing server 100 on the network means to a symmetric key (or Various implementation methods for decrypting using a secret key) method may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 9 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the customer communication means, the public certificate is a predetermined interworking with the customer communication means It is preferably stored in a database (not shown), whereby the present invention is not limited.

9, the information receiving unit 115 of the customer communication means receives the encrypted cash payment information through the network means and provides it to the decryption unit (900), wherein the cash payment information is defined in the network means. It is preferably received via the communication protocol stack.

Thereafter, the decryption unit extracts a predetermined symmetric key (or secret key) for decrypting the encrypted cash payment information from the authorized certificate provided in the customer communication means (905), and the extracted symmetric key (or secret key). In step 910, the encrypted cash payment information is decrypted.

Here, the decryption function of the decryption unit is called D (Decryption), the symmetric key (or secret key) is k (key), the cash payment information encrypted with the symmetric key (or secret key) C (Ciphertext), and When the decrypted cash payment information is called P (Plaintext), the function of decrypting the encrypted cash payment information by the decryption unit may be expressed by an expression such as "Dk = P, or Dk (Ek (P)) = P". have.

According to the embodiment of the present invention, the algorithm for decrypting the encrypted cash payment information through the symmetric key (or secret key), SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably includes at least one or more, and various types of decryption algorithms may be used, but the decryption algorithm is matched with the encryption algorithm used in the information processing server 100. The present invention is not limited to the specific decoding algorithm.

When the cash payment information encrypted through the symmetric key (or secret key) is decrypted as described above, the decryption unit provides the decrypted cash payment information to the screen output unit (915), and the screen output unit provides the decrypted cash payment. The cash payment number and / or password included in the information, payment amount information and / or financial terminal information are output.

10 is a diagram illustrating a method for encrypting and transmitting cash payment information in a public key infrastructure structure in the information processing server 100 according to an embodiment of the present invention.

More specifically, FIG. 10 illustrates an embodiment of the present invention in which an information processing server 100 having a predetermined encryption function encrypts and transmits the cash payment information in a public key infrastructure structure. With the knowledge of the present invention, various methods of encrypting the cash payment information in a public key manner may be inferred from the information processing server 100 on the network means by referring to and / or modifying the drawing 10. The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 10 according to the embodiment of the present invention, the receiving side public key is preferably read from the public certificate provided in the information processing server 100, and the public certificate is provided in the information processing server 100. Stored in a predetermined memory unit and / or stored in an IC chip (or IC card) of ID-000 type mounted on or detached from the information processing server 100, and / or the information processing server 100. In the case where a predetermined IC card reader is provided, all of them can be stored in the IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the receiving public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the public certificate to the information processing server 100, thereby limiting the present invention. No.

Referring to FIG. 10, predetermined cash payment information including a predetermined cash payment number and / or password, payment amount information and / or financial terminal information is generated in the information generating unit 110 of the information processing server 100. When the cash payment information is provided, the encryption processing unit 120 provides a predetermined receiving side public key for encrypting the cash payment information from the authorized certificate. Extraction (1005), and encrypts the cash payment information through the extracted receiving side public key (1010).

Herein, the encryption function of the encryption processing unit 120 is referred to as E (Encryption), and the cash payment encrypted with the receiving public key k1 (key), the cash payment information P (Plaintext), and the receiving public key. When the information is referred to as C (Ciphertext), the encryption function of the encryption processing unit 120 may be expressed by an expression such as "Ek1 (P) = C".

According to an embodiment of the present invention, the encryption processing unit 120 encrypts the cash payment information through the receiving side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the cash payment information through the RSA encryption algorithm, among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n and a b, if the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a- 1) (b-1) ", wherein the encryption function of the encryption processing unit 120 may be expressed as" C = Ek1 (P) = Pe mod n ".

When the cash payment information is encrypted using the public key as described above, the information transmitter 130 transmits the encrypted cash payment information to the customer communication means through a network component on the network means (1015). .

11 is a diagram illustrating a method for decrypting cash payment information encrypted and received by a customer communication means in a public key infrastructure according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates an embodiment of a method of decrypting the cash payment information encrypted and received from an information processing server 100 having a predetermined encryption function in a predetermined key communication method using a public key infrastructure. In the art to which the present invention pertains, a public key-based cash payment information encrypted with the receiving party's public key by the information processing server 100 on the network means is referred to and / or modified with reference to FIG. Various implementation methods of decoding in a structured manner may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 11 according to an embodiment of the present invention, the receiving side private key for decrypting the cash payment information encrypted with the receiving side public key in a public key infrastructure is read from the public certificate provided in the customer communication means. Preferably, the public certificate is preferably stored in a predetermined database (not shown) interoperating with the customer communication means, and thus the present invention is not limited thereto.

Referring to FIG. 11, the information receiving unit 115 of the customer communication means receives encrypted cash payment information through the network means and provides it to the decryption unit (1100), wherein the cash payment information is defined in the network means. It is preferably received via a communication protocol stack.

Thereafter, the decryption unit extracts a receiving side private key for decrypting the encrypted cash payment information from the authorized certificate provided in the customer communication means (1105), and the encrypted cash payment through the extracted receiving side private key. Decode the information (1110).

Here, the decryption function of the decryption unit is referred to as D (Decryption), the receiving private key is k2 (key), and the cash payment information encrypted with the receiving public key is decrypted with C (Ciphertext) and the receiving private key. If the cash payment information is called P (Plaintext), the function of decrypting the encrypted cash payment information may be expressed by a formula such as "Dk2 = P, or Dk2 (Ek (P)) = P".

According to an embodiment of the present invention, the algorithm for decrypting the cash payment information encrypted with the receiving party's public key by the decryption unit through the receiving party's private key is RSA (Ron Rivest, Adi Shamir, Len). Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used However, the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the information processing server 100, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the cash payment information through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, where n is a prime number not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e, the undisclosed index is d, the n satisfies "n = a * b", d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the decoding unit may be expressed as" P = Dk2 = Cd mod n ".

When the cash payment information encrypted by the receiving side public key is decrypted by the information processing server 100 through the receiving side private key as described above, the decryption unit provides the decrypted cash payment information to the screen output unit (1115). The screen output unit outputs a cash payment number and / or password and payment amount information and / or financial terminal information included in the decrypted cash payment information.

12 is a diagram illustrating a method of encrypting and transmitting cash payment information in an electronic envelope method in the information processing server 100 according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates an embodiment of the present invention for encrypting and transmitting the cash payment information in an electronic envelope method in an information processing server 100 having a predetermined encryption function, which is common in the art. With knowledge, various embodiments of the present invention may be inferred by referring to and / or modifying this drawing 12 so as to encrypt the cash payment information in an electronic envelope manner in the information processing server 100 on the network means. Includes all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In this figure 12 according to the embodiment of the present invention, the receiving side public key is preferably read from the public certificate provided in the information processing server 100, and the public certificate is provided in the information processing server 100. Stored in a predetermined memory unit and / or stored in an IC chip (or IC card) of ID-000 type mounted on or detached from the information processing server 100, and / or the information processing server 100. In the case where a predetermined IC card reader is provided, all of them can be stored in the IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the receiving public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the public certificate to the information processing server 100, thereby limiting the present invention. No.

Referring to FIG. 12, predetermined cash payment information including a predetermined cash payment number and / or a password, payment amount information and / or financial terminal information is generated in the information generating unit 110 of the information processing server 100. When the cash payment information is provided, the encryption processing unit 120 encrypts the cash payment information using a secret key (symmetric key) method. A predetermined random secret key is generated (1205), and the cash payment information is encrypted using the generated secret key (1210).

Here, the encryption function of the encryption processing unit 120 is called E (Encryption), the secret key is r (random secret key), the cash payment information P (Plaintext), and the cash payment information encrypted with the secret key Speaking of C (Ciphertext), the encryption function of the encryption processing unit 120 may be expressed by a formula such as "Er (P) = C".

According to the embodiment of the present invention, the encryption processing unit 120 encrypts the cash payment information through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data Encryption). It is preferable to include at least one of the algorithm (Algorithm), and various forms of encryption algorithm may be used, but the present invention is not limited by a specific encryption algorithm.

Thereafter, the encryption processing unit 120 encrypts the secret key (random secret key) used to encrypt the cash payment information. For this purpose, the encryption processing unit 120 extracts a predetermined receiving side public key from the public certificate. In operation 1215, the secret key is encrypted using the receiving side public key (1220).

Here, the encryption function of the encryption processing unit 120 is referred to as E (Encryption), and the secret encrypted by the receiving side public key k1 (key), the secret key r (random Secret key), and the receiving side public key If the key is C (Ciphertext), the encryption function of the encryption processing unit 120 may be expressed by an expression such as "Ek1 (r) = C".

According to the embodiment of the present invention, the encryption processing unit 120 encrypts the secret key through the receiving side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), It is preferable to include at least one or more of DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, ECDH, in addition to various encryption algorithms may be used, the present invention by a specific encryption algorithm This is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the encryption processing unit 120 may be expressed as" C = Ek1 (r) = re mod n ".

If the cash payment information is encrypted with the secret key and the secret key is encrypted with the receiving side public key, the encryption processing unit 120 encrypts the secretion information encrypted with the secret key and the receiving side public key. Generate and provide transaction data associated with a key to the information transmitter 130 (1225), and the information transmitter 130 transmits the transaction data to the customer communication means through a network component on a network means ( 1230).

13 is a diagram illustrating a method for decrypting cash payment information encrypted and received by a customer communication means in an electronic envelope method according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a method of decrypting the transaction data by an electronic envelope method in a customer communication unit that receives transaction data including encrypted cash payment information from an information processing server 100 having a predetermined encryption function. As is related to the present invention, those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 13 to convert the transaction data encrypted by the electronic envelope method in the information processing server 100 on the network means. Various implementation methods for decoding by the same electronic envelope method may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 13 according to the embodiment of the present invention, the receiving side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate provided in the customer communication means. It is preferably stored in a predetermined database (not shown) that cooperates with the customer communication means, and the present invention is not limited thereby.

Referring to FIG. 13, the information receiving unit 115 of the customer communication unit receives predetermined transaction data including the cash payment information encrypted through the network means and provides the transaction data to the decrypting unit (1300). Is preferably received via a communication protocol stack defined in said network means.

Thereafter, the decryption unit extracts a receiving side private key for decrypting the encrypted secret key included in the transaction data from the authorized certificate provided in the customer communication means (1305), and through the extracted receiving side private key The information processing server 100 decrypts the secret key encrypted with the receiving side public key (1310), extracts a predetermined secret key for decrypting the cash payment information (1315), and uses the extracted secret key. By decrypting the cash payment information (1320), the information processing server 100 extracts the cash payment information encrypted with the secret key (1325).

Here, the decryption function of the decryption unit is called D (Decryption), and the secret that is decrypted by the receiving side private key k2 (key), the receiving side public key encrypted by the C (Ciphertext), and the receiving side private key If the key is r (random secret key), the function of decrypting the encrypted secret key can be expressed by a formula such as "Dk2 = r, or Dk2 (Ek1 (r)) = r".

According to an embodiment of the present invention, an algorithm for decrypting a secret key encrypted by a receiving side public key in the information processing server 100 through the receiving side private key is RSA (Ron Rivest, Adi Shamir, Len Adleman). ), DSA (Digie Signature Algorithm), DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, ECDH or at least one or more of the various forms of decoding algorithms may be used. However, the decryption algorithm is characterized in that it matches the encryption algorithm used in the information processing server 100, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", where the decoding function of the decoder can be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the decryption unit is called D (Decryption), the secret key is r (random secret key), the cash payment information encrypted with the secret key (C (Ciphertext)) and the decrypted cash payment information Speaking of P (Plaintext), the function of decrypting the encrypted cash payment information may be expressed by a formula such as “Dr = P, or Dr (Er (P)) = P”.

According to an embodiment of the present invention, the algorithm for decrypting the encrypted cash payment information through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data Encryption Algorithm) It is preferable to include at least one of the above, and in addition to the decryption algorithm of various forms may be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the information processing server 100, specific decryption The present invention is not limited by the algorithm.

When the cash payment information is decrypted as described above, the decryption unit provides the decrypted cash payment information to the screen output unit (1330), and the screen output unit includes the cash payment number and / or password included in the decrypted cash payment information. And payment information and / or financial terminal information.

14A and 14B illustrate a method of encrypting and transmitting cash payment information in a key exchange method in the information processing server 100 according to an embodiment of the present invention.

More specifically, FIGS. 14A and 14B illustrate a method of transmitting and encrypting the cash payment information in a key exchange method in an information processing server 100 having a predetermined encryption function. Persons of ordinary skill in the art may refer to and / or modify this drawing 14 to infer various implementation methods for encrypting the cash payment information in a key exchange manner in the information processing server 100 on the network means. The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 14 according to the embodiment of the present invention, the transmitting side private key and the receiving side public key are preferably read from the public certificate provided in the information processing server 100, and the public certificate is the information processing server. Stored in a predetermined memory unit provided in the (100), and / or stored in the IC chip (or IC card) of the ID-000 type to be mounted or detached in the information processing server 100, and / or the When a predetermined IC card reader is provided in the information processing server 100, it can be all stored in the IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the transmitting side private key and the receiving side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate to the information processing server 100. The present invention is not limited.

14A and 14B, a predetermined cash payment including a predetermined cash payment number and / or password, payment amount information and / or financial terminal information in the information generating unit 110 of the information processing server 100 is shown. When the information is generated, it is provided to the cryptographic processing unit 120 (1400). When the cash payment information is provided, the cryptographic processing unit 120 provides the cash payment information with a predetermined one-way hash function (eg, the cash). Regardless of the length of the payment information, a message digest including a hash code of a certain length may be generated, and the original message may be identified (or inferred) through the hash code (or message digest). A one-way hash function, wherein the information processing server 100 and the customer communication means use the same hash function to generate a predetermined message digest (1405), and the message die. The digital signature is digitally signed by encrypting the Zest using the transmitting side private key (1410).

Herein, the encryption function of the encryption processing unit 120 is referred to as E (Encryption), the sender private key is encrypted with t1 (15erminal side key), the message digest is m (message digest), and the sender private key. If the message digest is C (Ciphertext), the digital signature function of the encryption processing unit 120 may be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, the encryption processing unit 120 encrypts the message digest through the sender's private key, including RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), It is preferable to include at least one or more of DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, ECDH, in addition to various encryption algorithms may be used, the present invention by a specific encryption algorithm This is not limited.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the digital signature function of the encryption processing unit 120 may be expressed as" C = Et1 (m) = me mod n ".

In addition, the encryption processing unit 120 generates a predetermined random secret key for encrypting the cash payment information using a secret key (symmetric key) method (1415), and the cash payment information The message digest encrypted with the sender private key and a copy of a certificate (eg, a certificate including a sender's public key) included in the public certificate are linked to each other and encrypted using the generated private key (1420).

Here, the encryption function of the encryption processing unit 120 is called E (Encryption), the secret key is r (random secret key), the cash payment information and the copy of the certificate P (Plaintext), and the cash encrypted with the secret key When the payment information and the copy of the certificate are referred to as C (Ciphertext), the encryption function of the encryption processing unit 120 may be expressed by an equation such as "Er (P) = C".

According to the embodiment of the present invention, the encryption processing unit 120 encrypts the cash payment information and the certificate copy through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA. It is preferable to include at least one or more of the International Data Encryption Algorithm, and in addition, various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

In addition, the encryption processing unit 120 extracts a predetermined receiving side public key from the authorized certificate in order to encrypt the secret key that encrypts the cash payment information (1425), and uses the cash on the receiving side public key. The secret key encrypting the payment information is encrypted (1430).

Here, the encryption function of the encryption processing unit 120 is referred to as E (Encryption), and the receiving side public key is encrypted with s1 (server side key), the secret key with r (random secret key), and the receiving side public key. When the secret key is referred to as C (Ciphertext), the encryption function of the encryption processing unit 120 may be expressed by an expression such as "Es1 (r) = C".

According to the embodiment of the present invention, the encryption processing unit 120 encrypts the secret key through the receiving side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), It is preferable to include at least one or more of DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, ECDH, in addition to various encryption algorithms may be used, the present invention by a specific encryption algorithm This is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the encryption processing unit 120 may be expressed as" C = Es1 (r) = re mod n ".

A copy of a certificate including the cash digest information and the message digest encrypted with the sender's private key and the sender's public key is linked and encrypted via the generated secret key, and the secret key is transmitted through the receiver's public key. If encrypted, the encryption processing unit 120 encrypts a copy of a certificate including the cash digest information encrypted with the secret key, the message digest encrypted with the sending side private key, and the sending side public key, with the receiving side public key. Generates predetermined transaction data in association with the secret key, and provides the generated transaction data to the information transmitter 130 (1435), and the information transmitter 130 transmits the transaction data to a network on a network means. A component is transmitted to the customer communication means (1440).

15A and 15B illustrate a method of decrypting cash payment information encrypted and received by a customer communication means by a key exchange method according to an embodiment of the present invention.

In more detail, FIGS. 15A and 15B illustrate a method of key exchange of the transaction data in a customer communication unit that receives transaction data including encrypted cash payment information from an information processing server 100 having a predetermined encryption function. A method for decrypting, which is a thing of ordinary skill in the art to which the present invention pertains, is referred to and / or modified with reference to FIG. 15 and encrypted by the key exchange method in the information processing server 100 on the network means. Various implementation methods for decrypting the transaction data obtained by the same key exchange method may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 15 according to the embodiment of the present invention, the receiving side private key and the transmitting side public key for decrypting the transaction data in a key exchange method are preferably read from the public certificate provided in the customer communication means. The public certificate is preferably stored in a predetermined database (not shown) interworking with the customer communication means, and the present invention is not limited thereto.

15A and 15B, the information receiver 115 of the customer communication means receives transaction data including the cash payment information encrypted through the network means (1500), and transmits the transaction data to the decryption unit. Preferably, the transaction data is received via a communication protocol defined in the network means, and / or the message digest encrypted with the payment information encrypted with the secret key and the sender private key. And a copy of the certificate including the sender's public key, and the secret key encrypted with the receiver's public key.

Thereafter, the decryption unit extracts the receiving side private key from the public certificate provided in the customer communication means to decrypt the secret key encrypted with the receiving side public key (1510), and the secret key through the receiving side private key. By decrypting (1515), the secret key for decrypting the copy of the certificate including the message digest encrypted with the cash payment information and the sending side private key and the sending side public key is extracted (1520).

Here, the decryption function of the decryption unit is called D (Decryption), and the receiving side private key is s2 (server side key), the secret key encrypted with the receiving side public key is decrypted with C (Ciphertext) and the receiving side private key. If the secret key is r (random secret key), the function of decrypting the encrypted secret key by the decryptor can be expressed by a formula such as "Ds2 = r, or Ds2 (Es1 (r)) = r".

According to an embodiment of the present invention, an algorithm for decrypting a secret key encrypted by a receiving side public key in the information processing server 100 through the receiving side private key is RSA (Ron Rivest, Adi Shamir, Len). Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used However, the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the information processing server 100, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the decoder can be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the decryption unit decrypts a copy of the certificate including the message digest and the sender public key encrypted with the cash payment information and the sender private key using the extracted secret key ( A copy of a certificate including the cash payment information encrypted with the secret key, the message digest encrypted with the sender private key, and the sender public key;

Here, the decryption function of the decryption unit is referred to as D (Decryption), and the secret key is r (random secret key), the cash digest information encrypted with the secret key and the message digest encrypted with the sender private key and the sender public. A copy of the certificate containing the key is C (Ciphertext), and a copy of the certificate including the message digest encrypted with the decrypted cash payment information and the sending side private key and the sending side public key is P (Plaintext). The decryption unit decrypts a copy of the certificate including the encrypted cash payment information, the message digest encrypted with the sender private key, and the sender public key, " Dr = P, or Dr (Er (P)) = P. Can be expressed as an expression such as "

According to an embodiment of the present invention, an algorithm for decrypting a copy of a certificate including the message digest encrypted with the encrypted cash payment information and the sending side private key and the sending side public key through the secret key, It is preferable to include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data Encryption Algorithm (IDEA), and in addition to this, various types of decryption algorithms may be used. Characterized by matching the encryption algorithm used in the information processing server 100, the invention is not limited by a specific decryption algorithm.

In addition, the decryption unit extracts the message digest generated and transmitted from the cash payment information by the information processing server 100 by decrypting the message digest encrypted with the transmitting side private key through the transmitting side public key (1530). (1535).

Here, the decryption function of the decryption unit is referred to as D (Decryption), and the message digest encrypted with the sender's public key t2 (terminal side key) and the sender's private key is decrypted with C (Ciphertext) and the sender's public key If the message digest is m (Message Digest), the function of decrypting the encrypted message digest by the decryption unit may be expressed by a formula such as "Dt2 = m, or Dt2 (Es1 (r)) = m".

According to an embodiment of the present invention, an algorithm for decrypting a message digest encrypted by the transmitting side private key by the decryption unit through the transmitting side public key may be RSA (Ron Rivest, Adi Shamir, Len Adleman). ), DSA (Digie Signature Algorithm), DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, ECDH or at least one or more of the various forms of decoding algorithms may be used. However, the decryption algorithm is characterized in that it matches the encryption algorithm used in the information processing server 100, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the decoding unit may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the decryption unit generates a predetermined message digest through the same one-way hash function with the received cash payment information (1540), and then generates the generated message digest and the decrypted message digest. By comparing (1545), the validity of the received cash payment information is verified.

If the generated message digest coincides with the decrypted message digest (1550), the decryption unit provides the cash payment information to the screen output unit (1555), and the screen output unit is included in the decrypted cash payment information. The cash payment number and / or password and payment amount information and / or financial terminal information are output.

16 is a diagram illustrating an information providing process for cash payment using a financial terminal according to another exemplary embodiment of the present invention.

In more detail, FIG. 16 illustrates that after the predetermined cash payment request information is received by the information processing server 100 through the process as shown in FIG. 6, the financial processing process using the financial terminal is performed by the information processing server 100. When the cash payment number and / or password is generated and transmitted to the customer communication means of the cash transmitting customer, the cash communication number and / or password is transmitted from the customer communication means of the cash transmitting customer to the customer communication means of the cash receiving customer As a method of implementation, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 16 to transmit the cash payment number and / or password to the customer communication means of the cash receiving customer. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the seal shown in FIG. It is not limited in this way.

In addition, in FIG. 16, in the transmission of the cash payment number and / or password to the customer communication means of the cash receiving customer, the process of encrypting the cash payment number and / or password is omitted for convenience, but the present invention is thereby omitted. If not limited thereto, the cash payment number and / or password may be encrypted and / or always transmitted without encryption according to the intention of the person skilled in the art (and / or characteristics of the customer communication means).

Hereinafter, in FIG. 16, the information processing server 100 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 16, at least the payment amount information, the financial account information, the financial transaction processing information, the financial terminal information, and the customer communication means information are received from the predetermined financial transaction system to the server through the same process as in FIG. When receiving cash payment request information including one or more (1600), the server extracts the payment amount information, financial account information and financial transaction processing information from the cash payment request information (1605), the financial system 140 Process a financial transaction to pay an amount of money corresponding to the payment amount to a predetermined cash receiving customer based on the extracted payment amount information, financial account information and financial transaction processing information using a predetermined financial terminal. (1610).

According to the implementation method of the present invention, the financial transaction for cash payment using the financial terminal, the financial lock setting so that the amount corresponding to the payment amount in the financial account of the cash transmission customer is not withdrawn by another financial transaction It is preferable to include a transaction, and / or when the financial system 140 supports an escrow account, withdraw the amount corresponding to the payment amount from the financial account of the cash transmitting customer and deposit it in the escrow account. It is desirable to include financial transactions.

If the financial transaction processing is completed (1615), the server generates a predetermined cash payment number and / or password for cash payment using the financial terminal according to the present invention (1620).

Thereafter, the server generates (1625) predetermined cash payment information including the cash payment number and / or password and payment amount information and / or financial terminal information included in the cash payment request information (1625). The payment information is transmitted to the customer communication means of the cash transmitting customer through the financial transaction system (1630).

According to the method of the present invention, the cash payment information comprises a data structure (or message structure) that can be provided to the customer communication means of the cash transmitting customer corresponding to the customer communication means information included in the cash payment request information. desirable.

Thereafter, the customer communication means of the cash transmitting customer confirms whether to transmit the received cash payment information to the customer communication means of a predetermined cash receiving customer (1635). If the cash payment information is transmitted to the customer communication means of the cash receiving customer, If it is transmitted (1640), the customer communication means of the cash transmitting customer transmits the cash payment information through a predetermined network means (e.g., a network connecting the customer communication means of the cash transmitting customer and the customer communication means of the cash receiving customer). The cash receiving customer transmits the customer communication means (1645), and the cash receiving customer communication means receives and outputs the cash payment information (1650).

17 is a diagram illustrating a functional configuration of a financial terminal for cash payment using a cash payment number and / or a password according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place. In an unmanned financial terminal, a preferred functional configuration for cash payment using a predetermined cash payment number and / or password without a predetermined bankbook (or card), and has a general knowledge in the technical field to which the present invention belongs. In this regard, various implementation methods for a financial terminal for cash payment using a predetermined cash payment number and / or password without a predetermined bankbook (or card) may be inferred by referring to and / or modifying the drawing 17. The invention includes all the implementation methods inferred above, and is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 17, the financial terminal is connected through a predetermined financial terminal to configure a function on the financial system 140 for processing a financial transaction that pays predetermined cash through a cash payment number and / or password according to the present invention. The elements are called "financial servers" for convenience.

Referring to FIG. 17, the financial terminal outputs a processing screen to a card reader unit 1710 for recognizing an MS card and / or an IC card to obtain predetermined information, and each financial transaction step provided through the financial terminal. A screen output unit 1715, a key input unit 1720 for receiving predetermined information according to each financial transaction step, and a communication unit 1730 for communicating with a financial server on the financial system 140 through a predetermined financial network. And a memory unit 1755 for storing, by the financial terminal, at least one or more financial transaction processing information for the financial transaction processing, predetermined financial transaction history information after the financial transaction, and cash for each financial transaction. A cash control unit 1740 for paying and a power supply unit 1725 for supplying power to the financial terminal, at least one terminal function unit 1735, and a control unit for each function component provided in the financial terminal; It comprise a portion 1705.

The control unit 1705 controls the overall operation of the financial terminal in the functional configuration, manages the flow of information or data between each component, using a predetermined cash payment number and / or password without a predetermined account (or card) Control at least one or more components provided in the financial terminal for cash payment, at least one processor and execution memory (Central Processing Unit (MPU) / Micro Processing Unit (MPU) hardware) For example, it comprises a register) and a bus (BUS) for inputting and outputting predetermined data and at least one or more electronic circuits (or integrated circuits) therefor, and also for performing software-specific functions. Loading from the predetermined recording medium provided in the financial terminal into the execution memory and in the processor It comprises a predetermined program routine (Routine) and / or program data that is arithmetic processing by. In particular, the control unit 1705 includes a predetermined operating system and / or a terminal control program routine for managing the financial terminal after the financial terminal is booted in software. 17 shows at least one program component provided in the financial terminal for convenience in cash payment using a predetermined cash payment number and / or password in the controller 1705 for convenience. Explain.

The card reader unit 1710 provides an interface between the card and the financial terminal to read at least one or more information or data included in the card for at least one or more financial transactions, and is an ISO / IEC 7810 standard. An MS reader interface for interfacing a magnetic stripe (MS) card with a financial terminal, and / or a contact IC reader interface for interfacing an integrated circuit (IC) card based on an ISO / IEC 7816 standard with a financial terminal. And / or a non-contact IC reader unit for interfacing a non-contact IC card based on ISO / IEC 14443 with a financial terminal, wherein the contact IC reader unit and / or the non-contact IC reader unit are provided in the financial terminal. It is preferable to correspond to.

The MS reader unit is a card reader unit 1710 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. And interfacing predetermined information or data to a financial terminal from at least one or more tracks included in the MS of the MS card.

The contact IC reader unit is a card reader unit 1710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the financial terminal.

The non-contact IC reader unit is a card reader unit 1710 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It comprises the above antenna, the power supply to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal It is characterized by interfacing to.

The screen output unit 1715 is predefined or real-time defined to be output to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the control unit 1705 in a financial terminal. And at least one or more information or data, wherein the predefined information or data to be output on the screen in the financial terminal is provided in the key data and the financial terminal input through the key input unit 1720. Information stored or generated by an element, information transmitted / received through the communication unit 1730, and data corresponding to a predetermined operation result performed by the financial terminal.

According to the exemplary embodiment of the present invention, the screen output unit 1715 displays a processing screen and / or an interface screen according to a cash payment step using a predetermined cash payment number and / or password without a predetermined bankbook (or card). It is preferable to output to the screen output device.

The key input unit 1720 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a key input device, and selects a predetermined key button provided in the key input device in a specific input mode and / or operation mode of the financial terminal controlled by the controller 1705. When predetermined information (or signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1705. 1705 is a predetermined function that obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal, and / or is defined to match the key event. Characterized in that for obtaining a running instruction. The key input unit 1720 and the key input device including at least one key button interwork with each other to perform a function of key input means provided in the financial terminal.

According to an exemplary embodiment of the present invention, a key input device interoperating with the key input unit 1720 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 1720 is configured to obtain at least one or more information according to a cash payment step using a predetermined cash payment number and / or a password from a predetermined key input device without a predetermined passbook (or card). It is preferable to receive an input.

The communication unit 1730 is characterized in that it provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal and the external world of each financial system) provided in the financial terminal, Network communication unit 1730 and / or a predetermined cable communication port (e.g., RS) for providing transactional communication with a financial server provided on financial system 140 via a network (e.g., existing network, or CD / ATM network, etc.). -232c, cable communication unit 1730 and / or infrared ray communication, RF (Radio Frequency) communication, Bluetooth, wireless to provide transactional communication with external communication devices (USB (Universal Serial Bus), etc.) It includes a local area communication unit 1730 that provides a transactional communication with the local area communication device through at least one or more short-range wireless communication including a wireless LAN, Wi-Fi, Ultra Wide Band system (UWB). Made open, it comprises a communication protocol and communications applications to provide transactional communications by software.

According to an embodiment of the present invention, the communication unit 1730 uses the financial server on the financial system 140 and a predetermined cash payment number and / or password through the network communication unit 1730 via a predetermined financial network. It is desirable to connect a communication channel for processing cash payments.

The memory unit 1755 is a storage medium 135 that stores at least one or more information or data required for the control unit 1705 to perform a predetermined control function. The memory unit 1755 is electrically Erasable and Programmable Read Only Memory EEPROM. ), At least one storage means including a flash memory (FM), a hard disk drive (HDD), and a predetermined program required by the controller 1705 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 1755 preferably stores at least one financial transaction processing information used by the financial terminal to process a cash payment using a predetermined cash payment number and / or password. And / or after the cash payment processing using the predetermined cash payment number and / or password, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 1740 is a financial transaction result corresponding to the card read through the card reader unit 1710 from a predetermined financial system through the communication unit 1730, a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result) and, if received, a cash storage unit provided with the financial terminal for cash (or cash requested by the financial transaction customer) corresponding to the cash payment instruction (or cash payment approval result). Read from 1745 and pays to the customer through a predetermined cash discharging unit (1750).

The terminal function unit 1735 is a component provided in the financial terminal in addition to the components illustrated in FIG. 17 and / or components provided in the financial terminal for a predetermined purpose or role, and typically supports financial transaction support. It includes a variety of additional function configuration according to the intention of those skilled in the art, such as a secure application module (SAM) and / or print output unit for printing and outputting the receipt and / or biometric recognition device for biometrics. Those skilled in the art to which the present invention pertains will easily understand each terminal function unit 1735 provided according to the characteristics of the financial terminal, and thus a detailed description thereof will be omitted.

Referring to FIG. 17, a mode checking unit 1760 for confirming whether an operation mode of the financial terminal is a cash payment mode for paying predetermined cash through a predetermined cash payment number and / or a password, and the key input unit 1720. An information input unit 1765 for inputting a cash payment number and / or a password through the message input unit 1765, a text generation unit 1770 for generating a cash payment request message including the cash payment number and / or password, and the communication unit 1730. The cash payment request message is transmitted to the financial server through a), the cash payment approval message corresponding to the cash payment request message is received from the financial server, and the received cash payment approval message is read to read the current payment unit. Characterized in that it comprises a specialized processing unit for performing the cash withdrawal procedure through (1740).

The financial terminal includes a plurality of operation modes such as a financial transaction mode for processing a financial transaction using the [xxx] according to the present invention, or a cash withdrawal mode using a cash card (or a debit card), and the mode checking unit The operation 1760 is characterized in that whether the operation mode of the financial terminal is a financial transaction mode for processing financial transactions using the [xxx] according to the present invention.

According to an exemplary embodiment of the present invention, the financial terminal selects a cash payment through a cash payment number and / or a password according to the present invention from among a plurality of operation modes on a basic screen, thereby setting the cash payment number and / or password. It is desirable to switch to a financial transaction mode that handles cash payments.

According to another exemplary embodiment of the present invention, the financial terminal performs a cash payment through a cash payment number and / or a password according to the present invention among a plurality of operation modes after a predetermined IC card is inserted into the IC card reader. By selection, it is preferable to switch to the financial transaction mode for processing cash payments via the cash payment number and / or password.

The information input unit 1765 checks the cash through the key input unit 1720 when the operation mode of the financial terminal is a cash payment mode through a cash payment number and / or a password. Characterized by entering a payment number and / or password, the cash payment number and / or password is provided to the full text generation unit 1770.

The full text generation unit 1770 generates a predetermined cash payment request full text including the cash payment number and / or password and financial terminal identification information (not shown) stored in a memory unit provided in the financial terminal. The financial terminal identification information includes at least one of financial terminal serial number, financial terminal address information, financial terminal ID information, and financial terminal manager (or operator) information for identifying the financial terminal among a plurality of financial terminals. It is preferable to make it.

The specialized processor 1175 transmits the generated cash payment request telegram to the financial server through the communication unit 1730, and after the cash payment request telegram is transmitted to the financial server, the finance Receive a predetermined cash payment approval message including a cash payment approval history or a cash payment error history corresponding to the cash payment request information from the server.

At this time, the financial server that has received the cash payment request message confirms the validity of the cash payment number and / or password, thereby confirming whether to pay the payment amount associated with the cash payment number and / or password. Generating a cash payment processing history including any one of cash payment approval details or cash payment error details corresponding to the verification result, and generating a predetermined cash payment approval full text including the cash payment processing details; To send.

If the payment amount associated with the cash payment number and / or password is approved to be paid through the financial terminal, the financial server is linked with the financial system 140 to withdraw the amount corresponding to the payment amount. May perform a predetermined financial transaction procedure.

If the cash payment approval message transmitted from the financial server is received through the communication unit 1730, the expert processing unit 175 may either cash payment approval history or cash payment error history from the received cash payment approval message. By extracting the cash payment processing history including a, and reading the cash payment processing history, it is checked whether or not to withdraw the amount corresponding to the payment amount to the customer who entered the cash payment number and / or password.

If it is confirmed that the amount corresponding to the payment amount is withdrawn to the customer who inputs the cash payment number and / or password, the specialized processor 1175 may correspond to the payment amount through the cash payment unit 1740. Withdraw money.

18 is a view showing the operation of the financial terminal for cash payment using the cash payment number and / or password in accordance with an embodiment of the present invention.

More specifically, FIG. 18 illustrates a predetermined cash payment number in the financial terminal when the operation mode of the financial terminal illustrated in FIG. 17 is switched to the cash payment mode using the cash payment number and / or password according to the present invention. / Or receiving a password to generate a predetermined cash payment request full-text to the process of transmitting to the financial server on the financial system 140 through the financial network, if the person of ordinary skill in the art By referring to and / or modifying the drawing 18, it is possible to infer various operating processes of the financial terminal for cash payment using the cash payment number and / or password according to the present invention. All are included and the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 18, the financial terminal illustrated in FIG. 17 may have various financial transaction modes (e.g., cash withdrawal financial transaction mode using MS card, bank transfer financial transaction mode, and / or cash withdrawal financial transaction mode using IC card). May be switched to the cash payment mode using a different cash payment number and / or password in the present invention by selecting a menu displayed on the financial terminal. Periodically (or in response to an operation mode selection menu event), it is checked whether the operation mode of the financial terminal is switched to the cash payment mode (1800).

If the operation mode of the financial terminal is not switched to the cash payment mode (for example, when switching to another kind of financial transaction mode (1805), the financial terminal corresponds to the financial system 140 corresponding to each financial transaction mode). In operation 1810, the financial transaction corresponding to the financial transaction mode is processed.

On the other hand, when the operation mode of the financial terminal is switched to the cash payment mode (1815), the financial terminal outputs an interface screen for inputting the cash payment number and / or password, and corresponds to the interface screen through a predetermined key input Verify that the cash payment number and / or password is entered (1815).

If a predetermined cash payment number and / or password is input through the interface screen (1820), the financial terminal includes the input cash payment number and / or password and financial terminal identification information corresponding to the financial terminal. Generate a cash payment request telegram (1825), and transmits the generated cash payment request telegram to the financial server provided in the financial system 140 through the financial network (1830).

19 is a view showing the operation of the financial server for cash payment using the cash payment number and / or password in accordance with an embodiment of the present invention.

In more detail, in FIG. 19, when the financial terminal shown in FIG. 17 transmits a predetermined cash payment request message through the process shown in FIG. 18, the cash payment request message is received and read to receive the cash payment. Regarding the approval process, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 19 to finance for cash payment using a cash payment number and / or a password according to the present invention. Although various operation processes of the server may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 19, when a predetermined cash payment request message is transmitted from a predetermined financial terminal through the process illustrated in FIG. 18, the financial server receives the cash payment request message and receives a predetermined cash payment number and / or Extracting the password and the financial terminal identification information (1900), and checks the validity of the financial terminal identification information is matched with the financial terminal information registered by the cash transmitting customer in conjunction with the storage medium 135 (or ledger D / B) (1905)

According to another embodiment of the present invention, if the cash transmitting customer does not register the financial terminal information, and / or if the cash payment function can be performed through all financial terminals of the financial institution, identifying the financial terminal. Validation of the information may be omitted.

If the validity of the financial terminal identification information is not authenticated (1910), the financial server generates a cash payment processing history corresponding to a predetermined cash payment error history (1915), the cash including the cash payment processing history A payment approval message is generated and transmitted to the financial terminal through the financial network (1940).

On the other hand, if the validity of the financial terminal identification information is authenticated (1910), the financial server checks the validity of the cash payment number and / or password in conjunction with the storage medium 135 (or ledger D / B). (1920).

According to the method of the present invention, the validity check against the cash payment number and / or password, the cash payment number and / or password extracted from the full cash payment request the storage medium 135 (or ledger D / B) comparing and authenticating with the cash payment number and / or password stored in.

If the validity of the cash payment number and / or password is not authenticated (1925), the financial server generates a cash payment processing history corresponding to a predetermined cash payment error history (1915) and generates the cash payment processing history. A cash payment approval full text including a payment is generated and transmitted to the financial terminal through the financial network (1940).

On the other hand, if the validity of the cash payment number and / or password is authenticated (1925), the financial server to withdraw the payment amount associated with the cash payment number through the financial terminal (e.g. cash sending customer A financial transaction for withdrawing the locked payment amount from the financial terminal of the financial account, or a financial transaction for withdrawing the payment amount deposited in an escrow account through the financial terminal (1930); After generating a predetermined cash payment processing history including payment approval details and payment amount information (1935), a cash payment approval message including the cash payment processing details is generated and transmitted to the financial terminal through the financial network. (1940).

20 is a diagram illustrating a process of withdrawing cash from a financial terminal through a cash payment using a cash payment number and / or a password according to one embodiment of the present invention.

In more detail, in FIG. 20, the financial terminal shown in FIG. 17 receives and reads a predetermined cash payment approval message from the financial server performing the process shown in FIG. 19 to withdraw cash corresponding to the payment amount. As regards the process, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 20 to provide a financial terminal for cash payment using a cash payment number and / or password according to the present invention. Various cash withdrawal processes may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 20, when a cash payment approval message including a predetermined cash payment processing history is transmitted from the financial server through the process shown in FIG. 19, the financial terminal receives the cash payment approval message and receives the cash. The payment processing details are extracted (2000), and the extracted cash payment processing details (eg, cash payment approval details, or cash payment error details) are read to confirm whether or not the cash is paid (2005).

If the check result does not confirm that the cash is to be paid (for example, the cash payment processing history includes the cash payment error history) (2010), the financial terminal outputs a cash payment error message corresponding to the cash payment error history. In operation 2015, the procedure for initializing the cash payment mode corresponding to the current operation mode of the financial terminal to the default operation mode is performed.

On the other hand, if it is confirmed that the cash is to be paid (for example, the cash payment processing history includes the cash payment approval history) (2010), the financial terminal checks the payment amount information included in the cash payment processing history ( 2020) a function of withdrawing cash corresponding to the payment amount (for example, a function of discharging the cash corresponding to the payment amount from the cash storage part of the cash terminal provided in the financial terminal and discharging it to the cash discharging part); (2025).

If the cash withdrawal process corresponding to the payment amount is completed (2030), the financial terminal performs a procedure for initializing the cash payment mode corresponding to the current operation mode to the default operation mode (2035).

21 is a diagram showing a cash payment system using a financial terminal according to another embodiment of the present invention.

More specifically, FIG. 21 illustrates a CD / ATM (Cash Dispenser) using a predetermined cash payment number and / or a password without a bankbook and / or a card as an interpersonal payment means on an interpersonal transaction system (eg, an internet auction system or used goods sale system). A system configuration for paying a payment amount through a predetermined financial terminal including an automatic teller machine, and a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. By using a predetermined cash payment number and / or password without a bankbook and / or card to be able to infer a variety of system configurations for paying a predetermined cash through a predetermined financial terminal, the present invention provides a method for inferring All are included and are not limited by the implementation method shown in FIG.

In the following embodiment, the purchase side client is referred to as a "cash transmitting customer" and the selling side client is referred to as a "cash receiving customer" in the interpersonal transaction system for convenience.

Referring to FIG. 21 according to another embodiment of the present invention, a cash payment system using the financial terminal includes an interpersonal transaction system that provides a transaction between at least one cash transmitting customer and a cash receiving customer, the interpersonal transaction system, and And / or an information processing server 100 for providing a cash payment service using a financial terminal according to the present invention in connection with the financial system 140, and further comprising the information processing server 100 from the information processing server 100. And customer communication means corresponding to a cash receiving customer receiving a predetermined cash payment number and / or password for cash payment, and at least one financial terminal for the cash receiving customer to withdraw the cash. do.

The interpersonal trading system is characterized in that it comprises all systems in which goods and cash are traded between individuals, such as an internet auction system and / or used goods trading system, the present invention is not limited by a specific interpersonal trading system.

According to one embodiment of the present invention, a web server provided in the interpersonal transaction system provides an interpersonal transaction processing function for processing a corresponding personal transaction, a predetermined cash payment interface to the cash transmitting customer terminal, and the cash payment. It is preferable to further add a function of receiving predetermined cash payment request information input (or selected) through an interface and relaying it to the information processing server.

According to another exemplary embodiment of the present invention, when the information processing server 100 is provided with a web server function, the web server provided in the interpersonal transaction system may have an interpersonal transaction processing function for processing a corresponding personal transaction; By linking and connecting a communication channel between the cash transmitting customer terminal and the information processing server 100, the information processing server 100 provides a predetermined cash payment interface to the cash transmitting customer terminal, and provides the cash payment interface. It is preferable to further add a function to receive the predetermined cash payment request information input (or selected) through.

The financial institution used by the cash transmitting customer includes a predetermined financial system 140 for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It features.

The financial system 140 provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal 450 (eg, a personal computer equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x based portable Internet, the wireless LAN. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB) connected to a predetermined return channel (Return Channel) through the TV banking server Terminal, terrestrial DMB terminal, etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

Referring to FIG. 21, the information processing server 100 receives an information payment unit 115 for receiving cash payment request information using the financial terminal from at least one interpersonal transaction system, and received through the information reception unit 115. A financial processing unit 105 for processing a financial transaction required for cash payment using the financial terminal in connection with the financial system 140 based on the cash payment request information, and predetermined cash for cash payment using the financial terminal; Information generation unit 110 for generating a payment number and / or password, and the cash payment number and / or password generated by the information generation unit 110 through a predetermined network means customer communication means of the customer receiving cash Link the information transmission unit 130 and the cash payment number and / or password to the payment amount information and / or the predetermined financial account information transmitted to By separating by having an information storage unit 125 to store in a storage medium 135 it is characterized in that formed.

When the customer communication means of the cash-receiving customer is connected to an open network (e.g., a network capable of random access to communication packets, such as a TCP / IP based wired communication network) (e.g., when the network means comprises an open network), The information processing server 100 is characterized by further comprising an encryption processing unit 120 for encrypting the cash payment number and / or password in a predetermined encryption method, wherein the information transmission unit 130 is The cash payment number and / or password encrypted by the encryption processing unit 120 is characterized in that for transmitting to the customer communication means of the customer receiving the cash through a predetermined network means.

The information receiver 115 may receive predetermined cash payment request information for cash payment using the financial terminal from at least one interpersonal transaction system used by the cash transmitting customer.

According to the implementation method of the present invention, the cash payment request information is the payment amount information to be paid by the cash sending customer through the cash payment system using the financial terminal according to the present invention, and the payment amount of the financial account of the cash sending customer The financial account information to be withdrawn, the financial transaction processing information necessary to withdraw the payment amount from the financial account of the cash transmitting customer through the interpersonal transaction system, at least one financial terminal information with which the payment amount is withdrawn, and cash At least one customer communication means for the receiving customer is preferably included.

Preferably, the payment amount information of the cash payment request information includes the amount information to be paid to a predetermined cash receiver by the cash transmitting customer through the cash payment system using the financial terminal according to the present invention. Is preferably withdrawn from at least one or more of the financial account of the cash sending customer.

The financial account information of the cash payment request information is information corresponding to the cash-transmitting customer-owned financial account with which the payment amount is withdrawn, and preferably includes an account number for the financial account. It may further comprise additional information such as branch (or branch) number for the account, and / or the name of the account holder.

Further, the financial transaction processing information in the cash payment request information is information for withdrawing the payment amount for the financial terminal-based cash payment according to the present invention from the financial account of the cash transmitting customer, and corresponds to each interpersonal transaction system. It is preferable to include the financial transaction processing information.

Further, the financial terminal information of the cash payment request information is information for designating at least one or more financial terminals through which the cash receiving customer can withdraw the payment amount, wherein the cash transmitting customer uses the cash terminal information. The payment terminal can be processed to withdraw the payment amount from the financial terminal near the receiving customer.

Here, the financial terminal information is the financial terminal location information (for example, Seoul Subway Line 2 City Hall Station) which can withdraw the payment amount and / or the branch (or branch) information provided with the financial terminal (for example, Yeoksam, Gangnam-gu, Seoul) At least one or more).

According to another exemplary embodiment of the present invention, the financial terminal information may be omitted from the cash payment request information, and in this case, the cash receiving customer may withdraw the payment amount through any financial terminal.

In addition, the customer communication means information of the cash payment request information is the cash receiving customer to receive the cash payment number and / or password that the cash receiving customer must enter the financial terminal to withdraw the payment amount through the financial terminal It is preferable to include at least one or more communication means information, such as mobile phone number and / or mail address and / or messenger account information of the, and the cash payment number and / or password is provided through the customer communication means information.

According to another embodiment of the present invention, it is possible to omit the customer communication means information in the cash payment request information, in which case the cash payment number and / or password is provided to the cash transmitting customer, and then the cash transmission. A customer may directly provide the cash payment number and / or password to the customer communication means of the cash receiving customer.

When the cash payment request information including the payment amount information, the financial account information, and the financial transaction processing information is received through the information receiving unit 115, the financial processing unit 105 is linked with the financial system 140 to receive the cash. Characterizing that the amount corresponding to the payment amount information is withdrawn from the cash sending customer financial account through the financial account information and the payment amount information included in the payment request information can be paid to a predetermined cash receiving customer do.

Here, the check that the amount corresponding to the payment amount information is withdrawn from the cash transmitting customer financial account can be paid to a predetermined cash receiving customer, the balance deposited in the cash transmitting customer financial account corresponding to the financial account information. And whether the amount is larger or smaller than the amount corresponding to the payment amount information.

In addition, the financial processing unit 105 corresponds to the payment amount information from the cash sending customer financial account through the financial account information and the financial transaction processing information included in the cash payment request information in connection with the financial system 140. It is characterized in that the financial transaction is processed so that a predetermined cash receiving customer can withdraw the payment amount through a predetermined financial terminal.

According to an embodiment of the present invention, the financial processing unit 105 is linked to the financial system 140 through the financial account information and financial transaction processing information included in the cash payment request information through the cash transmission customer financial account And setting a lock on the financial account so that the amount corresponding to the payment amount information from the withdrawal and / or transfer is not made by the other financial transaction.

According to another exemplary embodiment of the present invention, when the financial processing unit 105 and the financial system 140 cooperate with each other to provide a predetermined escrow function (for example, cash using a financial terminal according to the present invention). When a predetermined escrow account is provided for the payment), the financial processing unit 105 is linked with the financial system 140 and the financial account information and financial transaction processing information included in the cash payment request information. And withdrawing the amount corresponding to the payment amount information from the cash transmitting customer financial account through the escrow account.

After the financial processing unit 105 performs a financial transaction process necessary for cash payment using the financial terminal in connection with the financial system 140 based on the cash payment request information, the information generating unit 110 A predetermined cash receiving customer generates a cash payment number and / or a password for withdrawing an amount corresponding to the payment amount information without a bankbook (or a card) through a predetermined financial terminal.

Here, the cash payment number is a one-to-one correspondence with the cash payment request information received by the information receiving unit 115 from a predetermined interpersonal transaction system, and / or one-to-one with a financial transaction processed through the financial processing unit 105. It characterized in that it comprises at least one or more of the matching serial number, wherein the cash payment number preferably comprises information that can be input through the key input means provided in the predetermined financial terminal to withdraw the payment amount For example, when the key input means provided in the financial terminal to which the payment amount is withdrawn supports only numeric input, the cash payment number and / or the password may be formed of a plurality of numbers. If the key input means provided in the financial terminal to be withdrawn supports the input of numbers / letters / symbols, The class number and / or password may consist of a plurality of numbers / letters / symbols.

The password may include at least one piece of authentication information for authenticating the withdrawal of the amount corresponding to the payment amount information by inputting the cash payment number through a key input means provided in a predetermined financial terminal. In this case, the password may include information that can be input through a key input means provided in a predetermined financial terminal for withdrawing the payment amount, for example, a key provided in the financial terminal with which the payment amount is withdrawn. When the input means supports only numeric input, the cash payment number and / or password is preferably composed of a plurality of numbers, or the key input means provided in the financial terminal to which the payment amount is withdrawn inputs numbers / letters / symbols. If you support the cash payment number and / or password may be divided into a plurality of numbers / letters / symbols It is possible eojineun.

In particular, when both the cash transmitting customer and the cash receiving customer are current customers, the password corresponds to information corresponding to the customer authentication means provided in the financial terminal for withdrawing the amount corresponding to the payment amount information (e.g., in the financial terminal). When the fingerprint recognition function is provided, it may include the biometric information including the fingerprint of the customer receiving the cash), whereby the present invention is not limited.

According to the method of the present invention, the cash payment number and the password are preferably mutually processed, whereby the cash receiver receives the cash through a key input means provided in a predetermined financial terminal without a bank account (or card). It is possible to withdraw the amount corresponding to the payment amount through the procedure of entering the payment number and password.

According to another embodiment of the present invention, it is possible to omit the password according to the intention of a person skilled in the art (for example, by encrypting the cash payment number and transmitting it to the customer communication means of the cash receiving customer, and transmitting the encrypted cash payment number). If it is possible to authenticate the validity of the cash payment through the decryption process, the password associated with the cash payment number can be omitted), whereby the present invention is not limited.

The information transmitting unit 130 transmits the cash payment number and / or password generated by the information generating unit 110 to the customer communication means of the cash receiving customer through a predetermined network means, the customer The communication means may be a wireless terminal (e.g., CDMA-based mobile communication terminal, IEEE 802.16) of the cash receiving customer capable of transmitting and receiving a predetermined wireless message (e.g., short message (SMS), multimedia message (MMS)) and / or wireless internet access. x-based mobile Internet terminal, etc.), and / or at least one or more mail addresses of the cash-receiving customers, and / or messenger accounts of the cash-receiving customers.

According to the method of the present invention, the information transmitting unit 130 transmits the information to the customer communication means of the customer receiving the cash preferably further comprises the payment amount information in addition to the cash payment number and / or password. Thus, the cash receiving customer can intuitively check how much money can be withdrawn using the financial terminal.

In addition, the information transmitted by the information transmitting unit 130 to the customer communication means of the cash receiving customer is predetermined financial terminal information that can withdraw the amount corresponding to the payment amount information in addition to the cash payment number and / or password It is preferable to further include, whereby the cash receiving customer can withdraw the amount corresponding to the payment amount only in the financial terminal corresponding to the financial terminal information.

Hereinafter, the information transmitting unit 130 including the cash payment number and / or password, and / or the payment information and / or financial terminal information according to the intention of the skilled person is transmitted to the customer communication means This information is called cash payment information.

According to the implementation method of the present invention, the information transmitting unit 130 communicates the customer's customer of the cash receiving customer through the predetermined network means in order to secure the convenience of cash payment using the financial terminal; It is preferable to carry out the batch transfer by means.

In addition, the information transmitter 130 transmits the cash payment number in advance to the customer communication means of the cash receiving customer through a predetermined network means in order to secure stability and / or reliability of the cash payment using the financial terminal. And, after a certain period of time, it is preferable to transmit a predetermined password associated with the cash payment number, or transmit the cash payment number and password together.

In particular, in the above cash payment number and / or password transmission process, the process of approving the cash sending customer to withdraw the amount corresponding to the payment amount to the cash receiving customer during the predetermined time period is further performed. It is desirable to be.

In addition, the information transmission unit 130 to the first customer communication means of the cash receiving customer through a predetermined network means to secure the stability and / or reliability and / or security of the cash payment using the financial terminal It is preferable to transmit the cash payment number, and transmit a predetermined password associated with the cash payment number to the second customer communication means of the cash receiving customer, or transmit the cash payment number and the password together.

In addition, the information transmitter 130 transmits the encrypted cash payment number and / or password to at least one customer communication means through a predetermined network means in order to secure a high security of the cash payment using the financial terminal. Preferably, the cash payment number and / or password is encrypted by the encryption processing unit 120.

According to an embodiment of the present invention, when the customer communication means is a wireless terminal of a cash receiving customer and the wireless terminal is capable of transmitting and receiving a predetermined wireless message (for example, the customer communication means is a mobile communication terminal capable of short message transmission and reception). Case), the information transmitter 130 preferably includes the cash payment number and / or password in the wireless message and transmits the cash payment number and / or password to the wireless terminal of the cash receiving customer through a predetermined wireless communication network.

In addition, when the customer communication means is a wireless terminal of a cash-receiving customer, and the wireless terminal has a predetermined wireless Internet connection (for example, the customer communication means is WAP / ME (Wireless Application Protocol / Mobile Explorer) based wireless Internet access Or a mobile communication terminal capable of wireless Internet access using a mobile IP (MIP)), the information transmission unit 130 for checking the cash payment number and / or password Sending a predetermined network address to a wireless terminal of the cash receiving customer through a predetermined wireless communication network (for example, when the wireless terminal is a mobile communication terminal, a wireless message including a predetermined callback URL (CallbackURL) is a customer wireless terminal. And then the cash receiving customer via the wireless terminal through the network address and the cash payment number and / or It is preferable to confirm the password wind.

In addition, when the customer communication means is the mail address of the customer receiving the cash, the information transmitting unit 130 preferably transmits the cash payment number and / or password in a predetermined mail to the mail account of the customer receiving the cash. In addition, when the customer communication means is a messenger account of the customer receiving the cash, the information transmitting unit 130, the cash payment number and / or password through the message function provided in the messenger program corresponding to the messenger account the cash It is desirable to send to the messenger account of the receiving customer.

Those skilled in the art to which the present invention pertains, with reference to this figure 21 infers various forms of customer communication means other than the connected customer wireless terminal, and / or e-mail address, and / or messenger account, It will be understood that the method of transmitting the cash payment number and / or password to the inferred customer communication means, the present invention encompasses all of the inferred implementation methods.

When the customer communication means of the cash receiving customer is connected to an open network such as an e-mail address and / or a messenger account, the encryption processing unit 120 encrypts the cash payment number and / or password through a predetermined encryption method. In this case, the information transmission unit 130 is characterized in that for transmitting the encrypted cash payment number and / or password to the customer communication means of the customer receiving the cash through a predetermined network means.

In particular, when transmitting the encrypted cash payment number and / or password to the customer communication means of the customer receiving the cash, the information transmission unit 130 is a predetermined for decrypting the encrypted cash payment number and / or password It is possible to further transmit the security program to the customer communication means of the cash receiving customer, whereby the present invention is not limited.

According to the embodiment of the present invention, the encryption processing unit 120 encrypts the cash payment number and / or password, a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or It is preferable to include at least one or more of the electronic envelope encryption method and / or key exchange encryption method, and those skilled in the art to which the present invention pertains, in addition to the encryption method in response to the customer communication means Although various forms of encryption methods may be inferred for encrypting the cash payment number and / or password, the present invention includes all such inferred implementation methods.

The information storage unit 125 stores the cash payment number and / or password generated by the information generation unit 110 in a predetermined storage medium 135, wherein the cash receiver receives the cash. The stored cash payment number and / or password and the payment amount information and / or the predetermined financial account information to withdraw the amount corresponding to the payment amount information via a payment number and / or password through a predetermined financial terminal; It characterized in that the cooperative processing to store, and if the cash payment request information includes the predetermined financial terminal information through the information receiving unit 115, the information storage unit 125 further links the financial terminal information It is characterized by processing and storing.

According to an embodiment of the present invention, when the financial processing unit 105 sets a lock on an amount corresponding to the payment amount information on the cash transmission customer financial account, the finance is processed in association with the cash payment number and / or the password. The account information preferably includes the financial account information of the cash transmission customer with the lock.

According to another exemplary embodiment of the present invention, the financial processing unit 105 and the financial system 140 interoperate with each other to provide a predetermined escrow function (for example, predetermined payment for cash payment using the financial terminal according to the present invention). When an escrow account is provided), and when the amount corresponding to the payment amount is deposited in the escrow account, the financial account information linked to the cash payment number and / or the password may include the escrow account information. Do.

According to another exemplary embodiment of the present invention, the financial account (eg, the financial account of the cash transmitting customer whose lock on the payment amount is set, and / or the escrow account in which the payment amount is deposited) is confirmed through the cash payment number. If possible, the financial account information can be omitted, and / or if the payment amount information can be confirmed through the financial account information (e.g., the amount of the lock is set through the financial account of the cash sending customer). And / or the amount deposited in the escrow account), it is possible that the payment amount information is omitted, whereby the present invention is not limited.

In FIG. 21 according to the preferred embodiment of the present invention, the storage medium 135 is illustrated as being provided in association with the information processing server 100. However, the storage medium 135 is the information processing server 100. In addition, the cash payment number and / to the ledger D / B provided in the financial system 140 to facilitate withdrawal of the payment amount through the financial terminal according to the intention of the skilled person Or a password is stored in association with the payment amount information and / or predetermined financial account information, and / or the cash payment number and / or password is stored in a predetermined database associated with the ledger D / B. And / or stored in association with predetermined financial account information, the preferred embodiment of which is referred to FIGS. 2 and 3 above.

22 is a diagram illustrating an information providing process for cash payment using a financial terminal according to another exemplary embodiment of the present invention.

In more detail, in FIG. 22, when predetermined cash payment request information is received from the interpersonal transaction system shown in FIG. 21 to the information processing server 100, the financial transaction using the financial terminal is performed by the information processing server 100. The present invention relates to a method of generating a cash payment number and / or a password after processing and transmitting the generated cash payment number and / or password to a customer communication means of a cash receiving customer, and a person skilled in the art may refer to this drawing 22 and / or Or it may be modified to infer various implementation methods for transmitting the cash payment number and / or password to the customer communication means of the customer receiving the cash, but the present invention includes all the implementation methods inferred, as shown in Figure 22 It is not limited to the implementation method shown.

In addition, in FIG. 22, the cash payment number and / or password are selectively encrypted and transmitted when transmitting the cash payment number and / or password to the customer communication means of the cash receiving customer. However, the present invention is not limited thereto. Depending on the intention (and / or the nature of the customer communication means) the cash payment number and / or password can always be sent encrypted and / or always transmitted without encryption.

In the following figure 22, the information processing server 100 shown in the figure 21 will be referred to as " server " for convenience.

Referring to FIG. 22, while at least one cash transmitting customer and a cash receiving customer process an individual transaction through a predetermined interpersonal transaction system, payment amount information from the cash transmitting customer to the server through the interpersonal transaction system, When cash payment request information including at least one financial account information, financial transaction processing information, financial terminal information, and customer communication means information is received (2100), the server receives payment amount information from the cash payment request information; Extract financial account information and financial transaction processing information (2105), and calculate an amount corresponding to the payment amount based on the extracted payment amount information, financial account information and financial transaction processing information in connection with the financial system 140. A financial transaction for payment to a predetermined cash receiving customer is processed using a predetermined financial terminal (2110).

According to the implementation method of the present invention, the financial transaction for cash payment using the financial terminal, the financial lock setting so that the amount corresponding to the payment amount in the financial account of the cash transmission customer is not withdrawn by another financial transaction It is preferable to include a transaction, and / or when the financial system 140 supports an escrow account, withdraw the amount corresponding to the payment amount from the financial account of the cash transmitting customer and deposit it in the escrow account. It is desirable to include financial transactions.

If the financial transaction processing is completed (2115), the server generates a predetermined cash payment number and / or password for cash payment using the financial terminal according to the present invention (2120).

Thereafter, the server extracts the customer communication means information of the cash receiving customer from the cash payment request information to transmit the cash payment information to the customer communication means of the cash receiving customer (2125). In operation 2130, predetermined cash payment information to be provided to the customer communication means is generated, including the cash payment number and / or password, payment amount information and / or financial terminal information included in the cash payment request information.

According to the method of the present invention, the cash payment information comprises a data structure (or message structure) that can be provided to the customer communication means of the cash receiving customer corresponding to the customer communication means information included in the cash payment request information. desirable.

For example, if the customer communication means information is a mobile phone of the cash receiver, the cash payment information is generated in the form of a wireless message (eg, a short message or a multimedia message) that can be provided to the mobile phone of the cash receiver. The customer's mobile phone is generated in the form of a wireless web page that can be accessed by checking through the wireless Internet based on the callback.

Alternatively, if the customer communication means information is the mail address of the cash receiving customer, the cash payment information is generated in the form of electronic mail that can be sent to the mail account of the cash receiving customer.

Thereafter, the server checks whether the cash payment information is encrypted based on the customer communication means information (2135).

According to the method of the present invention, if the customer communication means of the cash receiving customer is present in an open network (eg, an e-mail address, etc.), the cash payment information is preferably encrypted.

On the other hand, if the customer communication means of the cash-receiving customer exist on a closed network and / or a secure network (eg, a wireless message in which message transmission and reception is managed by a network operator, and / or security with encryption and digital signature functions) Mail), the cash payment information may not be encrypted, and the present invention is not limited thereto.

If it is not necessary to encrypt the cash payment information (2140), the server sends the generated cash payment to the customer communication means of the cash receiving customer via a predetermined network means (e.g., a network corresponding to the customer communication means information). Information is transmitted (2145), and the customer communication means receives and outputs the cash payment information (2165).

On the other hand, if the cash payment information should be encrypted (2140), the server performs an encryption procedure for the cash payment information (2150), and the encrypted cash payment information is assigned to a predetermined network means (e.g., the customer communication means information). And transmits the encrypted cash payment information to the customer communication means of the cash receiving customer (2155), and the customer communication means receives and decrypts the encrypted cash payment information to receive the cash payment information. Restore (2160), and output the restored current payment information (2165).

22 is a diagram illustrating an information providing process for cash payment using a financial terminal corresponding to an interpersonal transaction according to an embodiment of the present invention.

In more detail, in FIG. 22, when predetermined cash payment request information is received from the interpersonal transaction system shown in FIG. 21 to the information processing server 100, the financial transaction using the financial terminal is performed by the information processing server 100. The present invention relates to a method of generating a cash payment number and / or a password after processing and transmitting the generated cash payment number and / or password to a customer communication means of a cash receiving customer. Or it may be modified to infer various implementation methods for transmitting the cash payment number and / or password to the customer communication means of the customer receiving the cash, but the present invention includes all the implementation methods inferred, as shown in Figure 22 It is not limited to the implementation method shown.

In addition, in FIG. 22, the cash payment number and / or password are selectively encrypted and transmitted when transmitting the cash payment number and / or password to the customer communication means of the cash receiving customer. However, the present invention is not limited thereto. Depending on the intention (and / or the nature of the customer communication means), the cash payment number and / or password can always be sent encrypted and / or always transmitted without encryption.

In the following figure 22, the information processing server 100 shown in the figure 21 will be referred to as " server " for convenience.

Referring to FIG. 22, while at least one cash transmitting customer and a cash receiving customer process an individual transaction through a predetermined interpersonal transaction system, payment amount information from the cash transmitting customer to the server through the interpersonal transaction system, When cash payment request information including at least one financial account information, financial transaction processing information, financial terminal information, and customer communication means information is received (2100), the server receives payment amount information from the cash payment request information; Extract financial account information and financial transaction processing information (2105), and calculate an amount corresponding to the payment amount based on the extracted payment amount information, financial account information and financial transaction processing information in connection with the financial system 140. A financial transaction for payment to a predetermined cash receiving customer is processed using a predetermined financial terminal (2110).

According to the implementation method of the present invention, the financial transaction for cash payment using the financial terminal, the financial lock setting so that the amount corresponding to the payment amount in the financial account of the cash transmission customer is not withdrawn by another financial transaction It is preferable to include a transaction, and / or when the financial system 140 supports an escrow account, withdraw the amount corresponding to the payment amount from the financial account of the cash transmitting customer and deposit it in the escrow account. It is desirable to include financial transactions.

If the financial transaction processing is completed (2115), the server generates a predetermined cash payment number and / or password for cash payment using the financial terminal according to the present invention (2120).

Thereafter, the server extracts the customer communication means information of the cash receiving customer from the cash payment request information to transmit the cash payment information to the customer communication means of the cash receiving customer (2125). In operation 2130, predetermined cash payment information to be provided to the customer communication means is generated, including the cash payment number and / or password, payment amount information and / or financial terminal information included in the cash payment request information.

According to the method of the present invention, the cash payment information comprises a data structure (or message structure) that can be provided to the customer communication means of the cash receiving customer corresponding to the customer communication means information included in the cash payment request information. desirable.

For example, if the customer communication means information is a mobile phone of the cash receiver, the cash payment information is generated in the form of a wireless message (eg, a short message or a multimedia message) that can be provided to the mobile phone of the cash receiver. Alternatively, the customer's mobile phone is generated in the form of a wireless web page that can be accessed by checking through the wireless Internet based on the callback.

Alternatively, if the customer communication means information is the mail address of the cash receiving customer, the cash payment information is generated in the form of electronic mail that can be sent to the mail account of the cash receiving customer.

Thereafter, the server checks whether the cash payment information is encrypted based on the customer communication means information (2135).

According to the method of the present invention, if the customer communication means of the cash receiving customer is present in an open network (eg, an e-mail address, etc.), the cash payment information is preferably encrypted.

On the other hand, if the customer communication means of the cash-receiving customer exist on a closed network and / or a secure network (eg, a wireless message in which message transmission and reception is managed by a network operator, and / or security with encryption and digital signature functions) Mail), the cash payment information may not be encrypted, and the present invention is not limited thereto.

If it is not necessary to encrypt the cash payment information (2140), the server sends the generated cash payment to the customer communication means of the cash receiving customer via a predetermined network means (e.g., a network corresponding to the customer communication means information). Information is transmitted (2145), and the customer communication means receives and outputs the cash payment information (2165).

On the other hand, if the cash payment information should be encrypted (2140), the server performs an encryption procedure for the cash payment information (2150), and the encrypted cash payment information is assigned to a predetermined network means (e.g., the customer communication means information). And transmits the encrypted cash payment information to the customer communication means of the cash receiving customer (2155), and the customer communication means receives and decrypts the encrypted cash payment information to receive the cash payment information. Restore (2160), and output the restored payment information (2165)

According to an embodiment of the present invention, the encryption / decryption procedure for the cash payment information may include a symmetric key (or secret key) scheme corresponding to FIGS. 8 and 9, and / or a disclosure corresponding to FIGS. 10 and 11. And at least one of a key method, and / or an electronic envelope method corresponding to FIGS. 12 and 13, and / or a key exchange method corresponding to FIGS. 14 and 15.

Thereafter, an embodiment for withdrawing an amount corresponding to the payment amount information using a predetermined financial terminal based on a cash payment number and / or a password included in the cash payment information may include the financial terminal shown in FIG. Reference is made to FIGS. 18, 19 and 20 which illustrate a process of withdrawing the amount corresponding to the payment amount using the cash payment number and / or password.

FIG. 23 is a diagram illustrating an information providing process for cash payment using a financial terminal corresponding to an individual transaction according to another embodiment of the present invention.

In more detail, FIG. 23 illustrates that when predetermined cash payment request information is received from the interpersonal transaction system shown in FIG. 21 to the information processing server 100, the financial transaction using the financial terminal is performed by the information processing server 100. After the cash payment number and / or password is generated and sent to the customer communication means of the cash transmitting customer, the cash payment number and / or password is transmitted from the customer communication means of the cash transmitting customer to the customer communication means of the cash receiving customer As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 to transfer the cash payment number and / or password to the customer communication means of the cash receiving customer. While various implementation methods of transmission may be inferred, the present invention includes all implementation methods inferred, It is not limited to the implementation method shown in FIG.

In addition, in FIG. 23, the process of encrypting the cash payment number and / or password is omitted for convenience in transmitting the cash payment number and / or password to the customer communication means of the cash receiving customer. If not limited thereto, the cash payment number and / or password may be encrypted and / or always transmitted without encryption according to the intention of the person skilled in the art (and / or characteristics of the customer communication means).

Hereinafter, in this drawing 23, the information processing server 100 shown in drawing 21 will be referred to as " server " for convenience.

Referring to FIG. 23, while at least one cash transmitting customer and a cash receiving customer process an individual transaction through a predetermined interpersonal transaction system, payment amount information from the cash transmitting customer to the server through the interpersonal transaction system, When the cash payment request information including at least one of financial account information, financial transaction processing information, financial terminal information, and customer communication means information is received (2300), the server receives payment amount information from the cash payment request information. Extracting financial account information and financial transaction processing information (2305), the amount corresponding to the payment amount based on the extracted payment amount information, financial account information and financial transaction processing information in connection with the financial system 140; A financial transaction for payment to a predetermined cash receiving customer is processed using a predetermined financial terminal (2310).

According to the implementation method of the present invention, the financial transaction for cash payment using the financial terminal, the financial lock setting so that the amount corresponding to the payment amount in the financial account of the cash transmission customer is not withdrawn by another financial transaction It is preferable to include a transaction, and / or when the financial system 140 supports an escrow account, withdraw the amount corresponding to the payment amount from the financial account of the cash transmitting customer and deposit it in the escrow account. It is desirable to include financial transactions.

If the financial transaction processing is completed (2315), the server generates (2320) a predetermined cash payment number and / or password for cash payment using the financial terminal according to the present invention.

Thereafter, the server generates (2325) predetermined cash payment information including the cash payment number and / or password and payment amount information and / or financial terminal information included in the cash payment request information (2325). The payment information is transmitted to the customer communication means of the cash transmitting customer through the interpersonal transaction system (2330).

According to the method of the present invention, the cash payment information comprises a data structure (or message structure) that can be provided to the customer communication means of the cash transmitting customer corresponding to the customer communication means information included in the cash payment request information. desirable.

Thereafter, the customer communication means of the cash transmitting customer confirms whether to transfer the received cash payment information to the customer communication means of a predetermined cash receiving customer (2335). If the cash payment information is transmitted to the customer communication means of the cash receiving customer, If it is transmitted (2340), the customer communication means of the cash-transmitting customer transmits the cash payment information through a predetermined network means (e.g., a network connecting the customer communication means of the cash-transmitting customer and the customer communication means of the cash-receiving customer). The cash receiving customer transmits the customer communication means (2345), and the cash receiving customer communication means receives and outputs the cash payment information (2350).

Thereafter, an embodiment for withdrawing an amount corresponding to the payment amount information using a predetermined financial terminal based on a cash payment number and / or a password included in the cash payment information may include the financial terminal shown in FIG. Reference is made to FIGS. 18, 19 and 20 which illustrate a process of withdrawing the amount corresponding to the payment amount using the cash payment number and / or password.

According to the present invention, in the non-face-to-face transfer of funds, the fund transmitting side does not acquire the account information of the fund receiving side through the cash payment method using the cash payment number and / or password according to the present invention. There is an advantage that can transfer a predetermined amount of money to the receiving side.

According to the present invention, in a non-face-to-face transfer of funds, the cash receiving system uses the cash payment number and / or password according to the present invention to receive the funds through a predetermined CD / ATM without a bankbook (or card). There is an advantage in that the funds can be withdrawn in cash.

According to the present invention, in the non-face-to-face payment processing, secure and reliable payment of transactions between individuals who have not obtained a predetermined business registration through a cash payment method using a cash payment number and / or a password according to the present invention. There is an advantage that can be used as a means.

Claims (8)

delete delete delete Information receiving means for receiving cash payment request information-payment amount information, withdrawal account information, cash receiving customer information, etc. from the terminal; Information checking means for confirming balance information deposited in the withdrawal account whether the amount of money corresponding to the cash payment request information is possible; A financial transaction processing means for transferring the payment target amount to a predetermined virtual account when the withdrawal amount corresponding to the cash payment request information is possible; And And information processing means for linking the virtual account information with a predetermined cash payment number or secret code for the cash payment or a cash payment number and a secret code and storing the same in a predetermined storage medium. If a cash payment number or secret code or cash payment number and secret code are sent through the automated teller machine, The financial transaction processing means, Checking the validity of the cash payment number or secret code or cash payment number and secret code in connection with the storage medium (or storage medium operating means), according to the verification result, the cash payment approval information to the automated teller machine Cash payment processing system, characterized in that for transmitting. The terminal of claim 4, wherein the terminal comprises: Cash payment processing system characterized in that it comprises at least one or more electronic products, such as wired terminal, wireless terminal, financial automation equipment, TV. A computer-readable recording medium having recorded thereon a program for executing a function of each means of claim 4. delete Input means for receiving a cash payment number or secret code or cash payment number and secret code; Transmitting means for transmitting predetermined cash payment approval request data (or full text) including the cash payment number or secret code or cash payment number and secret code to a server on a communication network; And If the cash payment approval data (or full text) is received from the server, the cash payment control means for reading the data (or full text) to determine whether the cash payment, and delivers a cash payment command to the cash payment unit; Characterized by financial automation equipment.

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