KR101156374B1 - Method for providing financial transaction service with memory card between mobile and recording medium - Google Patents

Method for providing financial transaction service with memory card between mobile and recording medium Download PDF

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Publication number
KR101156374B1
KR101156374B1 KR1020090070373A KR20090070373A KR101156374B1 KR 101156374 B1 KR101156374 B1 KR 101156374B1 KR 1020090070373 A KR1020090070373 A KR 1020090070373A KR 20090070373 A KR20090070373 A KR 20090070373A KR 101156374 B1 KR101156374 B1 KR 101156374B1
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KR
South Korea
Prior art keywords
information
financial transaction
memory card
payer
wireless terminal
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KR1020090070373A
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Korean (ko)
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KR20110012591A (en
Inventor
김소현
남진석
유한상
윤동욱
임찬혁
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사단법인 금융결제원
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Priority to KR1020090070373A priority Critical patent/KR101156374B1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353Payments by cards read by M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification

Abstract

The present invention relates to a method for providing a financial transaction service between mobile devices equipped with a memory card, and a recording medium therefor. In order to solve the problem that the financial transaction is impossible, the financial transaction information between the payer and the payee is transmitted and received through a memory card to provide a financial transaction service without visiting a separate place.

Description

Method for Providing Financial Transaction Service with Mobile Memory Card and Recording Media for It {Method for Providing Financial Transaction Service with Memory Card between Mobile and Recording Medium}

1 is a diagram illustrating a financial transaction system for providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a wireless terminal function having a function of providing a financial transaction service using a memory card according to an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a memory card for providing a financial transaction service between terminals using payment means information stored in a memory according to an embodiment of the present invention.

4 is a diagram illustrating a process of providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function according to an embodiment of the present invention.

5 is a diagram illustrating a process of providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: financial transaction server 105: interface unit

110: information receiver 115: information transmitter

120: validation unit 125: financial transaction processing unit

130: Ledger D / B 135: Financial System

140: recipient wireless terminal 145: recipient memory card

150: payer memory card 155: payer wireless terminal

The present invention transmits and receives the financial transaction information between the payer and the payee through a memory card, so that financial transactions can be made without visiting a place equipped with an automated teller machine or visiting a financial transaction where a financial transaction service is available. .

With the development of information and communication technology, people are widely using wireless terminals such as mobile phones / PDAs, and therefore, they are using services such as convenient internet / telephone calls.

In addition, the use of services such as mobile banking using this situation is also using a convenient financial transaction service.

However, in the case of such a convenient financial transaction service, it is also necessary to provide the account number to the other party, and therefore, various problems that may occur if the user cannot input properly due to the exchange of the account number and the use of the multi-digit interchange. There is a situation.

According to the present invention, a memory card provided in a customer wireless terminal is to provide a method for providing a financial transaction service by sharing the account number through mutual communication and a recording medium therefor.

According to the present invention, a method of providing a financial transaction service between customers through a payee wireless terminal and a payer wireless terminal equipped with a memory card having a short-range wireless communication function includes a virtual machine (VM) provided in the payer wireless terminal. When the transfer amount is input (or selected) and a request from the payer's wireless terminal is received from the payer account information for the transfer (or selected), the memory card mounted on the payer's wireless terminal is received. Requesting payee account information from a memory card mounted on a payee wireless terminal through a short-range wireless communication; and receiving payee account information from the proximity memory card, the memory card mounted on the payer wireless terminal; In the received payee account information, the transfer amount information input through the VM and the transfer amount to pay And the geupin; and the resulting financial transaction request information, generating the transaction request information to the financial account based on the information characterized by comprising the step of requesting a financial transaction and transmits it to the financial transaction server.

In the method for providing a mobile card-to-mobile financial transaction service according to the present invention, when the financial transaction result information corresponding to the transmitted financial transaction request information is received from the financial transaction server, the memory card mounted in the payer wireless terminal is provided. And determining whether the short range wireless communication is possible with the adjacent memory card, and transmitting the received financial transaction result information to the close memory card through the short range wireless communication.

On the other hand, the method for providing a financial transaction service between customers through a payee wireless terminal and a payer wireless terminal equipped with a memory card having a short-range wireless communication function according to the present invention, the memory card provided in the receiver wireless terminal When the transfer amount information and the recipient account information input (or selected) through the VM (Virtual Machine) driven through the payee wireless terminal are received, the payer account information is checked from the memory card mounted in the payer wireless terminal. Generating financial transaction request information based on the confirmed payer account information, the received transfer amount information, and the recipient account information, and transmitting the generated financial transaction request information to a financial transaction server to request a financial transaction; Characterized in that it comprises a step.

In accordance with another aspect of the present invention, a method for providing a financial inter-mobile financial transaction service is provided to the payer wireless terminal in a memory card mounted on the payer wireless terminal when the transfer amount information and the payee account information are received from the payee memory card. And requesting authentication for the transfer amount transfer process by receiving the VM, and receiving and authenticating authentication information input (or selected) through the VM.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for providing a financial transaction service between mobile with a memory card.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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 diagram illustrating a financial transaction system for providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that a predetermined customer is provided to provide a financial transaction service between a wireless terminal equipped with a memory card having a short range wireless communication function to a financial transaction system through a wireless terminal equipped with a predetermined memory card. If the financial transaction request information including at least one account information, a transfer amount information, and a payee account information is provided, the payer account information, the transfer amount information, and the payee included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function using account information, and a person having ordinary knowledge in the technical field to which the present invention belongs, 1 and / or modified to provide a memory card with a near field communication function. Various implementation methods may be inferred for the construction of a financial transaction system for providing a financial transaction service between wireless terminals, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG. No.

For example, a person having ordinary skill in the art to which the present invention pertains may use a short range wireless communication function, not a wireless terminal equipped with a memory card, to which the subject for transmitting the financial transaction request information is referred to and / or modified with reference to FIG. It is possible to transmit the financial transaction request information to the client terminal equipped with wired communication and / or wireless communication function provided, and to receive and relay the financial transaction request information to the financial transaction server 100, whereby the present invention is not limited thereto. .

Hereinafter, a financial transaction service between wireless terminals equipped with the memory card having the short-range wireless communication function using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for providing a "financial transaction server 100" is referred to for convenience, and the financial transaction server 100 in FIG. It is preferable to include all kinds of banking servers including at least one or more banking server, wireless banking server, home banking server and the like.

Referring to FIG. 1 according to an embodiment of the present invention, a financial transaction system for providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function includes a wireless terminal having a memory card provided by a customer. And a payer wireless terminal 155 including at least one of the payer wireless terminal 155, a network means corresponding to a wireless communication network to which the payer wireless terminal 155 is connected, and the payer wireless terminal 155 through the network means. And a financial transaction server 100 providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function and a financial system 135 in which the payer account is opened. do.

The financial system 135 which processes the at least one financial transaction service through the payer account in connection with the financial transaction server 100 is at least one or more windows provided at branches (and / or branches) of the financial institution. Characterized in that the terminal is connected through a predetermined financial network (for example, the current network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

In addition, the financial system 135 may 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 the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network) and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 135 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) PCS equipped with at least one wireless terminal (e.g., access and browsing function connected to the mobile communication network) connected to an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. At least one financial transaction through a Personal Communication System and / or Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics) Provide non-face-to-face financial transaction services to customers.

In addition, the financial system 135 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) Equipped with at least one wireless terminal (e.g., a financial IC chip) connected to a mobile communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. The wireless terminal provides an IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system 135 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 135 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 135 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial system 135 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. A computer 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 office information support, and a customer information management; Interconnection between the financial system 135 and at least one other financial system 135 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g. Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc. in the financial system (135) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and / or the financial system 135. Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 135, and predetermined information (e.g., required for performing respective functions in components in the financial system 135). , A ledger information, and / or customer information, and / or management information, etc.), and a DBMS (DataBase Management System) including at least one database for storing and managing the information.

In addition, the financial system 135 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 135 and the purpose of the financial system 135. 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 matters of the financial system 135, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 135, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B 130 for storing at least one ledger for providing, wherein the ledger D / B 130 includes at least one financial institution to be provided to the financial transaction customer by the financial institution. At least one or more ledger information (eg, customer ledger, ledger, collateral ledger, etc.) for transaction processing, and at least one corresponding to each ledger information (eg, to further refine and / or supplement the attributes / functions of each ledger) The above ledger additional information is stored in a relational process and stored in relation. The ledger information is the payment. Including predetermined account ledger corresponding to the account is characterized in that formed.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 130 according to the type of each financial institution and the purpose and characteristic of the financial system 135; In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

According to one embodiment of the invention, the customer is connected to the financial transaction server 100 via the payment terminal wireless terminal 155 connected to a predetermined wireless communication network, at least one provided by the financial transaction server 100 When the financial transaction request information for providing the financial transaction service between the wireless terminals equipped with the memory card having the short range wireless communication function is input (or selected) through the above user interface, the payer wireless terminal 155 selects a predetermined amount. It is preferable to transmit to the financial transaction server 100 provided on the financial transaction system through the network means.

Here, the payer radio terminal 155 connected to the wireless communication network may include all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network. CDMA-based mobile as a generic term for a terminal device and / or all terminal devices connected to the IEEE 802.16x based portable Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex method wireless data communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals connected to a communication network; And / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or HSDPA At least one wireless communication terminal connected to the base wireless communication network, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex-based wireless data communication network, and the like.

In addition, the network means for connecting the payer wireless terminal 155 and the financial transaction server 100 may be a CDMA-based mobile communication network and / or HSDPA-based wireless communication network according to the type of wireless communication network connected to the direct-in wireless terminal and And / or any one of IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network, and / or includes all kinds of future wireless communication networks including a predetermined wireless interval. Do.

In addition, the payer wireless terminal 155 outputs at least one or more user interfaces provided by the financial transaction server 100, and inputs and / or selects at least one or more information through the user interface to perform the financial transaction. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the financial transaction server 100, etc.) for transmitting to the server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of at least one payer wireless terminal 155, so the detailed description thereof is omitted for convenience.

In the financial transaction system as described above, at least one wireless communication network connecting the payer wireless terminal 155 and the payer wireless terminal 155 and the financial transaction server 100 is used by the customer. And performs a function of a financial transaction interface for registering financial transaction request information for providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function.

The financial transaction server 100 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system-side components connected to the payer wireless terminal 155 through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the payer wireless terminal 155 is a payer wireless terminal 155 that can be connected to a wireless banking server on a predetermined wireless banking system, the financial transaction server 100 is the wireless banking. A predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 135 through the wireless banking system ( Or a device), a program included in the server (or device), and / or in an external system on the financial system 135 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or a device), and / or a program provided in the external world on the financial system 135, whereby the present invention is not limited.

The financial transaction request information transmitted from the payer wireless terminal 155 to the financial transaction server 100 to provide a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function is predetermined. It characterized in that it comprises at least one or more of the payer account information, the transfer amount information and the payee account information.

In addition, the financial transaction request information preferably further comprises transaction authentication information for processing the financial transaction request of the payer wireless terminal 155.

The payer account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the payer customer, customer information (for example, the name of the account holder, or the payment according to the intention of the skilled person) Customer information file (CIF) number corresponding to the account, etc.), financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact information (e.g., the payer account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The transfer amount information includes a financial transaction amount withdrawn from the payer account to provide a financial transaction service between wireless terminals equipped with a memory card having a short-range wireless communication function. Is characterized in that it does not exceed the balance (or the amount withdrawable through the payer account) deposited in the payer account.

The payee account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the payee customer name, according to the intention of the person skilled in the art (for example, the name of the account holder, or the payee account) Corresponding customer information file (CIF) number, financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g. Name of a contact person, a contact person code, etc.).

The transaction authentication information is confidentiality, authentication, integrity and non-repudiation of the financial transaction for providing the financial transaction service between the wireless terminals equipped with the memory card having the near field communication function. Information for securing at least one or more of (Nonrepudiation), characterized in that it comprises at least one or more passwords corresponding to the payer account, or a password corresponding to the financial transaction.

In addition, in the characteristics of the financial transaction system shown in Figure 1, characterized in that the financial transaction for providing a financial transaction service between wireless terminals equipped with a memory card having a short-range wireless communication function is made through a non-face-to-face channel, The transaction authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the payer account, and / or through an One Tome Password (OTP) generator provided to the customer. It is preferable to further comprise the generated OTP code.

In addition, in the characteristics of the financial transaction system shown in Figure 1, characterized in that the financial transaction for providing a financial transaction service between wireless terminals equipped with a memory card having a short-range wireless communication function through a non-face-to-face channel, The transaction authentication information is authorized certificate information provided in the payer wireless terminal 155 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the payer wireless terminal 155), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

Referring to FIG. 1, the financial transaction server 100 may include an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the payer wireless terminal 155 through a network means, and the interface. The information receiving unit 110 (or information receiving) for receiving the financial transaction request information including at least one of the payer account information, the transfer amount information, and the payee account information from the payer wireless terminal 155 in association with the payload 105. Means) and an information transmitting unit 115 (or information transmitting means) for transmitting the financial transaction result information corresponding to the received financial transaction request information to the payer wireless terminal 155 in association with the interface unit 105. It is characterized by consisting of).

When the financial transaction request information generated by the memory card is transmitted to the payer wireless terminal 155, and the financial transaction request information is received by the payer wireless terminal 155, the payer wireless terminal 155 is provided. The received financial transaction request information is transmitted to the financial transaction server 100 through the network means, and the information receiver 110 is transmitted from the payer wireless terminal 155 in association with the interface unit 105. Characterized in that for receiving the financial transaction request information.

If the financial transaction server 100 receives the financial transaction request information transmitted from the payer wireless terminal 155, and the financial transaction processing is completed for the received financial transaction request information, the financial transaction result information is generated. If so, the information transmitter 115 transmits the generated financial transaction result information to the payer wireless terminal 155 in association with the interface unit 105.

Here, the financial transaction processing history is characterized in that it comprises the payer account information, the transfer amount information and the payee account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

The financial transaction result information is characterized in that it comprises a protocol structure for transmitting the generated financial transaction processing details to the payer wireless terminal 155 through the network means, the financial transaction result information is the financial It is preferable to be encrypted similar to the transaction request information or transmitted to the payer wireless terminal 155 with the electronic signature of the financial institution attached.

Referring to FIG. 1, the financial transaction server 100 provides a financial transaction service between wireless terminals equipped with a memory card having a short-range wireless communication function in which financial transaction request information received from the payer wireless terminal 155 is provided. Characterized in that it comprises a validating unit 120 (or validating means) for confirming that the validity to meet.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes a financial account corresponding to the payer account information included in the financial transaction request information in the ledger D / B 130 on the financial system 135. It is preferable to include whether the account ledger (or customer ledger corresponding to the payer account) is provided, and if the account ledger (or customer ledger corresponding to the payer account) is provided It is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is the account ledger for the financial account corresponding to the recipient account information included in the financial transaction request information in the ledger D / B 130 on the financial system 135 (or the And checking whether the customer ledger corresponding to the payee account is provided. When the account ledger (or the customer ledger corresponding to the payee account) is provided, the validity of the financial transaction request information is authenticated. It is preferable to be.

In addition, the validity check on the financial transaction request information is an amount deposited in the payer account (for example, an account ledger provided in the ledger D / B 130 on the financial system 135 corresponding to the payer account). (Or the amount withdrawable) is greater than the amount of the transfer included in the financial transaction request information, preferably, if the balance of the payer account (or withdrawable amount) is greater than the amount of the transfer; It is desirable that the validity of the request information be authenticated.

If the received financial transaction request information includes transaction authentication information, the validity verification of the financial transaction request information is performed on various passwords corresponding to the transaction authentication information included in the financial transaction request information and the payer account. Correspondingly comparing the various passwords (or linked) on the account ledger provided in the ledger D / B 130 on the financial system 135, and confirming that the various passwords corresponding to the transaction authentication information match Preferably, if the various passwords corresponding to the transaction authentication information match, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 1, when the transaction authentication information further includes predetermined security code information, the validity of the financial transaction request information is determined by the security code information. And the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B 130 on the financial system 135 in response to the payer account. It is preferable to include whether the security code information corresponding to the authentication information is matched, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

Further, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In the case of encryption through an encryption key included in an accredited certificate, the validation of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information). It is preferable that the decryption is performed normally. If the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

Referring to FIG. 1, the financial transaction server 100 is a wireless terminal equipped with a memory card having a short-range wireless communication function based on the financial transaction request information that is validated in association with the financial system 135. And a financial transaction processing unit 125 (or financial transaction processing means) for processing a financial transaction for providing the inter-financial transaction service.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 125 is linked to the financial system 135 provided with an account ledger corresponding to the payer account and includes the payer included in the financial transaction request information. And processing a financial transaction for providing a financial transaction service between wireless terminals equipped with the memory card with the short-range wireless communication function based on the account information, the transfer amount information, and the payee account information.

According to the method of the present invention, the financial transaction processing unit 125 corresponds to the transfer amount information from the account ledger corresponding to the payer account information included in the financial transaction request information in connection with the financial system 135. It is preferable to withdraw the amount of money, and to process the withdrawal amount to be deposited into the recipient financial account included in the financial transaction request information.

2 is a diagram illustrating a functional configuration of a wireless terminal 200 having a function of providing a financial transaction service using a memory card 235 according to an exemplary embodiment of the present invention.

More specifically, Figure 2 is a method for implementing a financial transaction service using the memory card 235 to a wireless terminal 200 connected to a CDMA / WCDMA or GSM-based wireless communication network, the present invention A person skilled in the art may refer to and / or modify this drawing 2 to access a wireless terminal 200 other than the wireless terminal 200 connected to the CDMA / WCDMA or GSM-based wireless communication network. It will be possible to infer an implementation method having a function of providing a financial transaction service using the memory card 235 to 200, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the implemented method.

According to an embodiment of the present invention, the wireless terminal 200 providing a CDMA / WCDMA-based mobile communication service has a physical body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), and an antenna in terms of hardware. And a battery 225, and internally, a predetermined modem chip (e.g., a built-in function such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, etc.) , Qualcomm's MSM series modem chip), various memory devices, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), and high power Isolator to prevent reverse transmission signal, RF / IF SAW filter to remove out-of-band unwanted signal, frequency up circuit of transmission path, reception path A frequency downconversion circuit, a VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to a reference clock source, a UHF frequency synthesizer used as a local signal for frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. The internal components are gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various multimedia services and / or additions are included in the modem chip. Various functions for services are being integrated together.

Referring to FIG. 2, the wireless terminal 200 having a function of providing a financial transaction service using the memory card 235 may include a control unit 205 corresponding to the modem chip and a liquid crystal display (LCD). A screen output unit 210 corresponding to the microphone, a sound processor 215 corresponding to a microphone / speaker, a key input unit 220 corresponding to a keypad, a wireless processor 230 corresponding to an antenna and various RF modules, And a memory unit 245 corresponding to the nonvolatile memory, and a battery 225 for supplying a predetermined power.

In addition, the wireless terminal 200 is a memory card 235 mounted on or detached from the wireless terminal 200 to provide various financial (or payment) services and / or various additional services corresponding thereto, and the memory card. It is preferable to further include a memory card reader 240 for reading / writing predetermined information (or data) at 235.

In addition, the wireless terminal 200 further includes a camera unit (not shown) that reads predetermined image information to provide various multimedia services and / or various additional services corresponding thereto, and / or a predetermined short range device. And a near field communication unit (not shown) for connecting a near field communication channel with each other.

The control unit 205 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 200 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting program data, and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that the memory unit 245 and / or in software A generic term for program routines and / or program data loaded from the memory device (or chipset) into the execution memory and computed through the processor to perform a specific function (thus, a financial transaction service using the memory card 235). For convenience, a predetermined program routine recorded in the recording medium of the wireless terminal 200 is provided in the control unit 205. The program routine included in the control unit 205 is basically an operating system routine (not shown) and at least one system management routine (eg, a power management routine, a channel (forward / reverse direction)). Management routine, handoff routine, etc.), and various functional configurations to be implemented in the wireless terminal 200 by the controller 205 are realized.

According to the exemplary embodiment of the present invention, after power is supplied to the wireless terminal 200, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are controlled by the controller. By loading into the execution memory included in 205 and arithmetic processing by the processor, the wireless terminal 200 according to a predetermined booting procedure, the system setting detailed state, the pilot channel acquisition detailed state, the synchronization channel acquisition detailed state and timing. An operation mode corresponding to the " mobile station initialization state " including the conversion detail state is set.

After performing the booting procedure, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are loaded into the execution memory included in the controller 205 and loaded into the processor. By the arithmetic processing, the wireless terminal 200 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state", and so on. Call Processing) procedure.

The screen output unit 210 is a function configuration unit for checking the operation mode operation and the operation state corresponding to the operation mode of the wireless terminal 200, at least one including an LCD provided in the wireless terminal 200 And a screen output device and a driver for driving the screen output device, and outputs at least one key data input through the key input unit 220 in conjunction with the control unit 205, and / Or output a menu screen, a function processing screen, and a function processing result screen corresponding to at least one or more functions (or programs) included in the wireless terminal 200, and / or provided in the wireless terminal 200 ( Or outputting at least one or more contents (eg, text contents, image contents, multimedia contents) that are downloaded.

According to the exemplary embodiment of the present invention, the screen output unit 210 outputs a menu screen, a function processing screen, and a function processing result screen corresponding to a function of providing a financial transaction service using the memory card 235. It is desirable to perform the function of.

The sound processor 215 is a functional component that processes input and output of sound in each operation mode of the wireless terminal 200. The sound processor 215 decodes at least one or more encoded sound data and is provided in the wireless terminal 200. And a vocoder and a codec for encoding and encoding a sound signal inputted through a microphone provided in the speaker and / or a microphone provided in the wireless terminal 200. .

According to an exemplary embodiment of the present invention, the sound processor 215 may include a sound corresponding to a predetermined ring back tone through the speaker in an operation mode corresponding to the “system access state” among the operation modes of the wireless terminal 200. It is preferable to decode and output data, and / or to encode and input a predetermined voice signal through a microphone in an operation mode corresponding to the "call channel state", or to decode and output a predetermined voice signal through a speaker. .

In addition, the sound processor 215 plays at least one sound content and / or multimedia content provided (or downloaded) by the wireless terminal 200 in at least one operation mode including the "mobile station call waiting state." In this case, it is preferable to decode and output sound data corresponding to the reproduced content.

According to the exemplary embodiment of the present invention, the sound processor 215 preferably performs a function of sound output means for decoding and outputting sound data corresponding to a function of providing a financial transaction service using the memory card 235. .

The key input unit 220 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. And a driver for driving the key input device, thereby detecting at least one key input signal generated by clicking (or entering) the key button in the key input device. It is characterized by.

According to the present invention, if a predetermined key input signal is detected from a predetermined key button provided in the key input device in a predetermined input mode and / or at least one or more operation modes controlled by the control unit 205, the key. The input unit 220 generates a predetermined key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the detected key input signal, and provides the generated key event to the controller 205. The controller 205 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 200 (eg, a specific key event in each input mode and / or operation mode). Read key data from the key table that stores (manages) at least one key data corresponding to the key event; and / or It characterized in that the command to execute the bit and the matching is defined predetermined function shipping dock.

According to the exemplary embodiment of the present invention, the key input unit 220 inputs a predetermined telephone number in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the wireless terminal 200, and inputs a predetermined " By inputting a "call" button, it is preferable to change the operation mode of the wireless terminal 200 to an operation mode corresponding to the "system access state".

In addition, the key input unit 220 inputs a predetermined function key (for example, a menu key) in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the wireless terminal 200, thereby providing the wireless terminal. It is desirable to execute various functions provided in 200.

According to the method of the present invention, the key input unit 220 preferably performs a function of key input means for inputting at least one or more key data corresponding to a function of providing a financial transaction service using the memory card 235. Do.

The wireless processor 230 is a functional component that connects a wireless channel with a base station on a mobile communication network in which the wireless terminal 200 operates based on CDMA / WCDMA, and includes a CDMA modem and various RF modules (eg, duplexer filter, power). Amplifiers, High Power Amplifiers (HPAs), Isolators, RF / IF SAW Filters, Frequency Up-Circuits, Frequency Down-Conversion Circuits, VCTCXOs, UHF Frequency Synthesizers, etc. for Reference Clock Sources) and Antennas And a location registration and / or slot mode and / or power control corresponding to each operation mode of the wireless terminal 200 in association with the control unit 205. Control and / or hand-off and / or call processing procedures.

According to the exemplary embodiment of the present invention, the radio processor 230 may transmit / receive a radio frequency signal transmission / reception function corresponding to a function of providing a financial transaction service using the memory card 235 (eg, antenna control, modulation of radio frequency signals, Synthesis, amplification and / or filtering).

In particular, the wireless processor 230 processes or receives information or a signal transmitted from the wireless terminal 200 to the base station in a CDMA stack or receives from the base station to provide a financial transaction service using the memory card 235. It is preferred to include a function for reading out predetermined information or signals from the CDMA stack.

The memory card reader 240 interfaces with a memory card 235 including at least one of Secure Digital (SD) or MiniSD or MicroSD, and at least one or more between the SPI Master and the SPI Slave by a SPI (Serial Peripheral Interface). Exchange information (or data or commands).

The memory unit 245 corresponds to a storage medium for storing at least one or more information (or data) in the wireless terminal 200, and / or a recording medium for recording a program code corresponding to at least one or more program routines. The generic term for volatile memory includes read only memory (ROM) corresponding to the read-only memory, flash memory (FM), electrically erasable and programmable read only memory (EEPROM), and the like. It is characterized by.

According to the exemplary embodiment of the present invention, the ROM information of the nonvolatile memory is not to be stored, and the flash memory is provided through an operating system routine, a call processing program routine, and / or the wireless terminal 200. Various application program routines and information or data for the same are stored, and the EEPROM is extracted and / or generated during the execution of an application provided in the terminal 200 with parameters related to terminal registration and a phone number (eg, an address book) or the wireless terminal 200. Preferably at least one or more information (or data) is stored.

According to an exemplary embodiment of the present invention, the memory unit 245 stores at least one terminal identification information for providing a financial transaction service using the memory card 235, and the terminal identification information is wireless. Preferably, the terminal 200 includes at least one of a radio terminal 200 assigned to the terminal 200, an electronic serial number (ESN), a dynamic (or fixed) IP address, and the like.

Referring to FIG. 2, the wireless terminal 200 includes an output processor 250 for processing a transfer amount input interface for inputting transfer amount information for providing a financial transaction service using a memory card 235, and When the transfer amount information is input (or selected) through the output transfer amount input interface, the input (or selected) transfer amount information is provided to the memory card 235 through the memory card reader 240. And an information processing unit 255.

Here, when providing the transfer amount information input (or selected) to the transfer amount input interface to the memory card 235, it is preferable to transmit a command for activating the short-range wireless communication function provided in the memory card 235. The short-range wireless communication function activated by the command may enable communication with an adjacent memory card 235 or a terminal having a short-range communication function.

Referring to FIG. 2, the wireless terminal 200 transmits payment means information (eg, credit card information / check card information / debit card information / financial account information) included in the memory card 235 to the memory card 235. If the user wants to use the financial transaction service based on the read payment means information, the authentication is performed or the payment means information provided in the memory card 235 is transferred to another terminal (eg, the memory card 235). Or a payment terminal, etc.), it is characterized in that it further comprises an information processing unit 255 for transmitting the authentication information to the memory card 235 when authentication information is input.

Here, the authentication information preferably includes a password or OTP information or security card information corresponding to the payment means information provided in the memory card 235.

Referring to FIG. 2, when the one or more information (or data) to be transmitted from the memory card 235 to the server on the communication network is read through the memory card reader unit 240, An information transmitter 260 that transmits the above information (or data) to a server on a communication network, and when receiving one or more information (or data) from a server on the communication network, receives the received one or more information (or data). And an information receiving unit 265 for processing the received one or more pieces of information (or data) to be provided to the memory card 235 through the memory card reader unit 240.

Here, the information (or data) desired to be transmitted from the memory card 235 to the server on the communication network may be financial transaction request information for using a financial transaction service, or may include payment request information. The server on the merchant preferably comprises a financial institution server (eg, a bank server / card company server, etc.) that provides financial transaction services.

In addition, the information (or data) that the memory card 235 receives from the server on the communication network is preferably result information corresponding to the transmitted financial transaction request information to use the financial transaction service.

In addition, when transmitting the one or more information (or data) from the memory card 235 to the server on the communication network, it is preferable to further include the terminal identification information provided in the wireless terminal 200, the terminal identification The information is used to authenticate the wireless terminal 200 on which the memory card 235 is mounted.

3 is a diagram illustrating a functional configuration of a memory card 300 that provides an inter-terminal financial transaction service using payment means information stored on a memory according to an embodiment of the present invention.

In more detail, Figure 3 is an embodiment of a memory card 300 having a memory card payment mode for providing a financial transaction service between terminals using payment means information stored on the memory, the technical field to which the present invention belongs Those skilled in the art will be able to infer the functional configuration of the various memory card 300 to provide a financial transaction service between terminals using the payment means information stored in the memory by referring to and / or modified in this figure 3 The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to provide a financial transaction service between terminals using payment means information stored in a memory. Although a method of transmitting payment approval request information and a method of generating and transmitting a payment approval request full text are shown and described in one drawing, the present invention is not limited thereto and only one method may be provided. have.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3, in addition to the SD (Secure Digital) memory card 300, the MiniSD memory card 300, MicroSD (T- Applicable to all memory cards 300, such as Flash) memory card 300, MMC memory card 300, Compact Flash (CF) memory card 300, Memory Stick, eXtreme Digital (XD) memory card 300 It is possible, and the invention is not limited thereby.

Referring to FIG. 3, a memory card 300 having a memory card payment mode for an inter-terminal financial transaction service using payment means information stored in a memory basically has a control unit 310, a memory unit 385, and a communication processing unit. It comprises a 360 and the security application module 375 and the memory access control unit 380, including at least one or more terminal functional unit (not shown) according to the intention of the skilled person.

The control unit 310 controls the overall operation of the memory card 300 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on payment information stored in the memory card provided in the customer's mobile phone. And interoperating and controlling at least one component provided in the memory card 300, and executing at least one processor including a central processing unit (CPU) / micro processing unit (MPU) in hardware. Memory (e.g., a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific M (Ra) in memory. A predetermined program routine that is loaded from a predetermined recording medium into the execution memory for processing by the processor (Routine) and / or program data (hence, a predetermined program recorded on a recording medium provided in the memory card 300 for payment processing based on payment information stored in the memory card provided in the customer's mobile phone, and / Or a component capable of being processed by software among the functional components included in the memory card 300, which is provided in the controller 310.

According to the exemplary embodiment of the present invention, the controller 310 may access a component (eg, the memory unit 385, the communication processor 360, the security application module 375, and the memory access provided in the memory card 300). Controlling and managing the electronic payment service defined in the memory card 300 by interworking a control beam and / or a terminal function unit (not shown) according to the intention and purpose of those skilled in the art, as well as the present invention, Terminal to use the payment means information stored in the memory, and / or to control the components provided in the memory card 300 for inter-financial transaction service using the payment means information stored on the memory It is preferable to execute a program recorded on a recording medium provided in the memory card 300 for the inter-financial transaction service.

The memory unit 385 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the memory card 300 is performed. General term of non-volatile memory for storing information or data), and includes at least one or more storage means including hardware electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM), The predetermined program routine and program data (for example, data input or outputted by the program routine to perform a predetermined function) required for the control unit 310 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 385 may include at least one payment means information for providing a payment service using the memory card 300 and a memory for the memory card 300 according to a request of a customer. Card 300 information, merchant information (or merchant terminal information) to be set when a target merchant is to be specified when providing a payment service using the memory card 300, and usage conditions corresponding to a specified usage condition for each payment method It is preferable that the information and at least one device information for limiting the device on which the memory is mounted.

In addition, the memory unit 385 may further store deactivation setting information for the stored payment means.

The communication processor 360 may be connected to the memory card 300 through a predetermined short range wireless communication process while the memory card 300 performs a predetermined function (for example, an electronic payment processing function). ) And a predetermined wireless communication processing unit 370 for connecting a communication session, and a wired communication processing unit 365 for connecting a communication channel for the device on which the memory card 300 is mounted.

The wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), WLAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The secure application module (SAM) is a confidentiality and / or authentication required by the memory card 300 to perform electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, and / or secure and reliable structures within the memory card 300 without using an authentication server (or server) on a payment network. As a safety device for performing the operation, the memory card 300 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). It adds an authenticator that decrypts, prevents forgery (or tampering) of the message, or extracts important information important in performing the security request function. It is characterized by performing a function of storing.

In general, the security application module 375 is preferably composed of a predetermined security application module 375 inserter and a security application module 375 chip, the security application module 375 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 375 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the memory card 300 to perform a predetermined security request function. ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit prescribes predetermined information or data (eg, payment processing result information or data) generated by the memory card 300 and / or as a result of performing a predetermined function (eg, electronic payment processing function). And a printing protocol and a driver for printing the print information or data through a predetermined printing device in accordance with a predefined printing form.

Referring to FIG. 3, the memory card 300 requests an authentication for the payment service to provide a financial transaction service between terminals using payment means information stored on a memory according to the present invention. 315 is provided.

Authentication request and confirmation for the payment service according to the embodiment of the present invention, the program request for the authentication information input (or selection) to the terminal equipped with the memory card 300, and the drive in the terminal After receiving the authentication information input (or selected) through the program, it is preferable to check the authentication of the received authentication information.

Authentication request and confirmation for the payment service according to another embodiment of the present invention, a program capable of inputting (or selecting) authentication information through an operation of the terminal equipped with the memory card, and through the driven program It is preferable to check the authentication of the authentication information by receiving authentication information input (or selected).

Referring to FIG. 3, the memory card 300 includes an information confirming unit 320 confirming payment means information stored on the memory unit 385, and a terminal providing the confirmed payment means information and payment information. An information generation unit 325 for generating payment approval request information based on the received payment information, and the payment approval request information generated through the communication processing unit 360 through the terminal equipped with the memory card 300. And a payment processing unit 330 which receives the payment approval result information and completes a payment process when the server which has received the payment approval request information is transmitted to a server and the server which has received the payment approval request information is transmitted. It is characterized by comprising.

The information checking unit 320 confirms payment means information stored on the memory unit 385, and the confirmed payment means information is provided to the information generating unit 325.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 385, in order to confirm the payment means information stored on the secure memory area, in conjunction with the memory access control unit 380 It is advisable to follow a separate memory approach.

The information generation unit 325 generates payment approval request information based on the payment information received from the terminal providing the payment information and the confirmed payment means information, and the payment approval request information generated Is provided to the payment processing unit 330.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The payment processing unit 330 transmits the payment approval request information generated by the information generation unit 325 to the server on the payment network through the communication processing unit 360, and correspondingly, the server A predetermined payment processing procedure for providing a financial transaction service between terminals using payment means information stored in the memory through the payment approval request information is performed. Among the payment approval details or payment error details corresponding to the memory payment settlement result; A payment processing history corresponding to any one is generated, predetermined payment approval result information including the payment processing history is generated and transmitted to the memory card 300 through the payment network.

After the payment approval request information is transmitted to the server through the payment processing unit 330, the payment processing unit 330 makes a payment corresponding to the payment approval request information from a server on the network through the communication processing unit 360. Periodically (or in response to the information receiving event of the communication processing unit 360), the payment approval result information including the processing history is received.

If payment approval result information including payment processing details corresponding to the payment approval request information is received through the communication processing unit 360, the payment processing unit 330 may include the payment processing details included in the payment approval result information ( For example, payment approval details or payment error details) may be stored on the memory unit 385 or output through an output device provided in the terminal on which the memory card 300 is mounted.

Referring to FIG. 3, the memory card 300 includes an information confirming unit 320 confirming payment means information stored on the memory unit 385, and a terminal providing the confirmed payment means information and payment information. A full text generation unit 335 for generating a full text of the payment approval request based on the received payment information, and a full text transmission unit 340 for transmitting the generated full text of the payment approval request to the server on the network through the communication processing unit 360. And a professional processing unit 345 for receiving a payment approval result message including a payment processing history corresponding to the full payment approval request message from the server on the network through the communication processing unit 360 to complete the payment processing. It is characterized by.

The information checking unit 320 confirms payment means information stored on the memory unit 385, and the confirmed payment means information is provided to the information generating unit 325.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 385, in order to confirm the payment means information stored on the secure memory area, in conjunction with the memory access control unit 380 It is advisable to follow a separate memory approach.

The full text generation unit 335 generates the full text of the payment approval request request including at least one or more payment information received from the terminal providing the payment information and the confirmed payment means information. The payment approval request text is provided to the specialized transmission unit 340.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The specialized transmission unit 340 transmits the payment approval request telegram generated by the professional generation unit 335 to a server on a network through the communication processing unit 360. After performing a predetermined payment processing procedure for providing a financial transaction service between terminals using payment means information stored in the memory through the payment approval request text, payment approval details or payment error details corresponding to the payment processing result. Generates a payment processing history corresponding to any one of the, and generates a predetermined payment approval result full text including the payment processing history and transmits it to the memory card 300 through the network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 340, the expert processing unit 345 transmits the payment approval request message from the server on the payment network through the communication processing unit 360. Periodically (or in response to the full text reception event of the communication processor 360), a full text of the payment approval result including the corresponding payment processing history is received.

If the payment approval message including the payment processing details corresponding to the payment approval request message is received through the communication processor 360, the expert processing unit 345 may include the payment processing details included in the payment approval message (eg, Payment approval details, or payment error details) is preferably stored on the memory unit 385, or output through the output device provided in the terminal equipped with the memory card 300.

Referring to FIG. 3, the memory card 300 communicates with an adjacent payee memory card 300 in association with the communication processor 360 to confirm payee account information, and the payment stored on the memory unit 385. Information confirmation unit 320 for confirming the account information, the payee account information and the payer account information, the transfer amount information provided by the terminal equipped with the memory card 300, and the transfer process to the payee account An information generation unit 325 for generating financial transaction request information including authentication information for transmitting the information, and transmitting the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 300. The memory 350 processes a financial transaction corresponding to the financial transaction request information in a server on the network, and generates financial transaction result information corresponding to the financial transaction. When DE 300 is transmitted through a mounting terminal to the memory card 300, characterized in that formed by an information reception section 355 for receiving the financial transaction result information.

The information checking unit 320 receives the payee account information provided in the payee memory card 300 from the payee memory card 300 adjacent to the memory card 300, and the payment stored on the memory unit 385. It is characterized in that the checking account information, the confirmed payee account information and payer account information is provided to the information generation unit 325.

Here, the payer account information is preferably stored in a secure memory area on the memory unit 385, and in order to check the payer account information stored on the secure memory area, It is desirable to check in accordance with a separate memory approach in conjunction.

In addition, it is preferable to include the step of confirming the authentication for providing the payee account information at the terminal side provided with the memory card 300 for transmitting the payee account information.

In addition, it is possible to further receive the transfer amount information from the memory card 300 of the addressee side, whereby the present invention is not limited.

The information generation unit 325, when the confirmed payee account information, the payer account information and the transfer amount information is confirmed, based on this to further verify the authentication information for the transfer processing to generate a financial transaction request information, characterized in that The generated financial transaction request information is provided to the information transmitter 350.

According to an embodiment of the present invention, the authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. Characterized in that it comprises at least one password corresponding to the payer financial account, or a password corresponding to the financial transaction.

In addition, the authentication information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the payer financial account, and / or OTP (One Tome Password) generator provided to the customer It is preferably made further comprising an OTP code generated through.

The information transmitter 350 transmits the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 300.

The server receiving the financial transaction request information processes a financial transaction corresponding to the financial transaction request information, generates financial transaction result information corresponding thereto, and generates a memory card through a terminal equipped with the memory card 300. When transmitting to 300, the information receiving unit 355 is characterized in that for receiving the financial transaction result information.

Referring to FIG. 3, when the unique information (or merchant information) of the terminal is received from the terminal requesting payment using the payment means provided in the memory card 300, the received memory card 300 is received. It is characterized in that it comprises an information verification unit 320 for confirming the payment means information corresponding to the unique information (or merchant information), it is preferable to process so that the payment means to be used in the payment processing process.

According to an embodiment of the present invention, the payment means information confirmation corresponding to the received unique information (or affiliated store information) is information that matches the received unique information (or affiliated store information) in association with the memory unit 385. Check and check the stored payment means information in connection with the identified unique information (or merchant information).

If the payment means information for the unique information (or merchant information) is confirmed, it is preferable to process the confirmed payment means to be used in the payment processing process.

That is, after processing the payment means identified among the plurality of payment means provided in the memory card 300 to be activated, and processing to be deactivated again when the payment processing is completed through the activated payment means. It is preferable.

Here, in addition to confirming the payment means corresponding to the unique information (or merchant information), the payment means may be processed according to the payment information, and the present invention is not limited thereto.

For example, if the payment amount is less than 10,000, debit card payment means, if more than 10,000 credit card payment means to be used, or transportation charges are applied to the credit card payment means is applied to the general payment process to use the debit card payment means. It is possible.

If a request for changing / canceling / deleting payment means for each stored unique information (or affiliated store information) is received, it is possible to change / cancel / delete based on this, and thus the present invention is not limited thereto.

4 is a diagram illustrating a process of providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a transfer amount by driving a virtual machine (VM) in a payer wireless terminal 155 having a short range wireless communication function, and provided to the payer wireless terminal 155 through the VM. Receiving payee account information from the payee memory card 145 accessing by activating the near field communication function of the payer memory card 150, and receiving payee account information and payer provided in the payer memory card 150 When the financial transaction request information is generated and transmitted to the financial transaction server 100 based on the account information and the transfer amount information, the financial transaction server 100 provides a financial transaction service corresponding to the received financial transaction request information. As shown in the drawings, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 and have a short range wireless communication function. Various implementation methods for the process of providing a financial transaction service between the card-mounted wireless terminals may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

For example, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to provide a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function. It is possible to infer a method of omitting a part of, and / or modifying the order of some processes, thereby not limiting the present invention.

Referring to FIG. 4 according to an embodiment of the present invention, the wireless terminal 155, which is a payment on the financial transaction system shown in FIG. Enter (or select) 400.

In this case, the VM is preferably provided in the payer wireless terminal 155, and is received and used from a server providing the VM, if necessary, and / or a predetermined short distance in the payer wireless terminal 155. It is possible to connect to and use a server (not shown) that provides a financial transaction service between wireless terminals equipped with a memory card equipped with a wireless communication function, by which the present invention is not limited.

If a transfer amount is input (or selected) through the driven VM (405), the payer wireless terminal 155 shows the transfer amount input (or selected) through the driven VM in FIG. To the payee memory card 150, and correspondingly, the payee memory card 150 stores the payee account information stored in the payee memory card 145 with the payee memory card 145 shown in FIG. Request for transmission (415).

Thereafter, the recipient memory card 145 is provided for authentication information input of the recipient wireless terminal 140 with the recipient memory card 145 to provide the recipient account information provided in the recipient memory card 145. Request for authentication for driving the VM and providing the recipient account information (420), and correspondingly, the recipient wireless terminal 140 drives the VM corresponding to the request, and then the authentication information is input through the driven VM. (425), and if authentication information for providing payee account information stored in the payee memory card 145 is input (or selected) through the driven VM, the input (or selected) authentication information is entered. 430 is transmitted to the recipient memory card 145 (430).

Subsequently, when the recipient memory card 145 receives the authentication information transmitted from the recipient memory card 145, whether the received authentication information is authentication information capable of providing the recipient account information stored in the recipient memory card 145. Check whether or not (435).

Here, the authentication information preferably comprises one or more of password or security card information or OTP information corresponding to the recipient account information provided in the recipient memory card 145, the recipient according to the intention and purpose of those skilled in the art It may be a separately set password for providing payee account information stored in the memory card 145.

If the authentication of the authentication information for providing the payee account information is completed, the payee memory card 145 checks the payee account information stored in the payee memory card 145 (445). When the stored payee account information is confirmed (450), the confirmed payee account information is transmitted to the payer memory card 150 through short-range wireless communication (455), and correspondingly, the payer memory card 150 Check the payer account information stored in the payer memory card 150 (460).

If the payer account information stored in the payer memory card 150 is confirmed (465), the payer memory card 150 is the received payee account information, the confirmed payer account information and the input ( Or select) generating financial transaction request information based on the transfer amount information (470), and converting the generated financial transaction request information through the payer wireless terminal 155 provided with the payer memory card 150; Transmitting to the transaction server 100 (475), and correspondingly, the financial transaction server 100 generates (or extracts) financial transaction result information by processing a financial transaction based on the received financial transaction request information ( 480).

The financial transaction request information transmitted from the payer wireless terminal 155 to the financial transaction server 100 to provide a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function is predetermined. It characterized in that it comprises at least one or more of the payer account information, the transfer amount information and the payee account information.

In addition, the financial transaction request information preferably further comprises transaction authentication information for processing the financial transaction request of the payer wireless terminal 155.

The payer account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the payer customer, customer information (for example, the name of the account holder, or the payment according to the intention of the skilled person) Customer information file (CIF) number corresponding to the account, etc.), financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact information (e.g., the payer account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The transfer amount information includes a financial transaction amount withdrawn from the payer account to provide a financial transaction service between wireless terminals equipped with a memory card having a short-range wireless communication function. Is characterized in that it does not exceed the balance (or the amount withdrawable through the payer account) deposited in the payer account.

The payee account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the payee customer name, according to the intention of the person skilled in the art (for example, the name of the account holder, or the payee account) The corresponding customer information file (CIF) number, financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g. Name of a contact person, a contact person code, etc.).

The transaction authentication information is confidentiality, authentication, integrity and non-repudiation of the financial transaction for providing the financial transaction service between the wireless terminals equipped with the memory card having the near field communication function. Information for securing at least one or more of (Nonrepudiation), characterized in that it comprises at least one or more passwords corresponding to the payer account, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. The transaction authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the payer account, and / or through an One Tome Password (OTP) generator provided to the customer. It is preferable to further comprise the generated OTP code.

In addition, in the characteristic of the financial transaction system shown in FIG. The transaction authentication information is authorized certificate information provided in the payer wireless terminal 155 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the payer wireless terminal 155), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the payer account information included in the financial transaction request information in connection with the financial system, Preferably, the withdrawal amount is processed to be deposited into a recipient financial account included in the financial transaction request information.

Thereafter, when the financial transaction result information including the financial transaction processing result corresponding to the received financial transaction request information is generated (or extracted), the financial transaction server 100 generates the financial transaction result information (or extracted). Through the receiver radio terminal 140 transmits to the recipient memory card 145 provided in the recipient terminal (485).

According to the above process, a financial transaction service is provided between the payer memory card 150 provided in the payer wireless terminal 155 and the payee memory card 145 provided in the payee wireless terminal 140. After the financial transaction result information is provided to the payer memory card 150 provided in the payer wireless terminal 155, the payer memory card 150 is in a state in which the payee memory card 145 is in close communication. Recognizing a certain time (490), if the communication is confirmed to be possible (495), the received financial transaction result information is provided to the payee memory card 145, the recipient wireless with the payee memory card 145 It is processed to be output through the terminal 140 (499).

Here, the financial transaction processing history is characterized in that it comprises the payer account information, the transfer amount information and the payee account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

5 is a diagram illustrating a process of providing a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates a method of inputting a transfer amount by operating a virtual machine (VM) in a receiver wireless terminal 140 having a short range wireless communication function, and receiving a receiver provided in the receiver wireless terminal 140 through the VM. It provides the payer account information and the transfer amount information from the payer memory card 150 accessing by activating the near field communication function of the memory card 145, the payer wireless terminal 155 in the payer memory card 150 After confirming this, the financial transaction request information is generated based on the received payee account information, the transfer amount information, and the confirmed payer account information, and transmitted to the financial transaction server 100. A process of providing a financial transaction service corresponding to the received financial transaction request information at 100 is shown, and has a general knowledge in the technical field to which the present invention belongs. However, various implementation methods for a process of providing a financial transaction service between a wireless terminal equipped with a memory card having a short range wireless communication function by referring to and / or modifying the present invention may be inferred. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

For example, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to provide a financial transaction service between wireless terminals equipped with a memory card having the short range wireless communication function. It is possible to infer a method of omitting a part of, and / or modifying the order of some processes, thereby not limiting the present invention.

Referring to FIG. 5 according to an embodiment of the present invention, the receiver wireless terminal 140 on the financial transaction system shown in FIG. 1 drives a VM at the request of a customer, and transfers a transfer amount through the driven VM. Input (or select) 500.

Here, the VM is preferably provided in the receiver wireless terminal 140, and received from the server providing the VM as needed, and / or predetermined short-range wireless communication in the receiver wireless terminal 140 as needed. It is possible to connect and use a server (not shown) for providing a financial transaction service between wireless terminals equipped with a memory card with a function, and the present invention is not limited thereby.

In addition, the VM may be provided with a function of inputting (or selecting) further including authentication information for providing payee account information stored in the payee memory card 145 included in the payee wireless terminal 140.

If the transfer amount is input (or selected) through the driven VM (505), the payee wireless terminal 140 is a memory card (i.e. payer close to the memory card provided in the payee wireless terminal 140). The transfer amount information input (or selected) to the memory card 150 and the payee account information stored in the payee memory card 145 are transferred to the payer memory card 150 via short-range wireless communication. In operation 510, the payee memory card 145 confirms payee account information stored in the payee memory card 145 in response to the request.

If the payee account information stored in the payee memory card 145 is confirmed 520, the payee memory card 145 transmits the confirmed payee account information to the payer memory card 150 through short-range wireless communication. In operation 525, the payer memory card 150 receives the payee account information and the transfer amount information transmitted from the payee memory card 145, and confirms the received payee account information and the transfer amount information. Process for the VM to be driven through the payer wireless terminal 155, and outputs the received payee account information and transfer amount information through the driven VM to request authentication for the transfer process of the transfer amount (530) ).

Thereafter, the payer wireless terminal 155 drives the VM according to the request of the payer memory card 150 to output the received transfer amount information (possible to output payee account information), and the authentication information is transmitted through the VM. If input (or selected) (535), the input (or selected) authentication information is transmitted to the payer memory card 150 (540), and corresponding to the payment provided in the payer wireless terminal 155 The in-memory card 150 receives the authentication information transmitted from the baby payer wireless terminal 155, and checks whether the received authentication information is authenticated (545).

The authentication information may include at least one of password, security card information, or OTP information corresponding to the recipient account information provided in the recipient memory card 145. It may also be a separate password for providing payee account information stored in the payee memory card 145.

If the authentication of the received authentication information is confirmed (550), the payer memory card 150 checks the payer account information stored in the payer memory card 150 (555), if the payment When the payer account information stored in the in-memory card 150 is confirmed (560), the financial transaction request information including at least one or more of the confirmed payer account information, the received transfer amount information, and the payee account information is generated. In operation 565, the generated financial transaction request information is transmitted to the financial transaction server 100 through the payer wireless terminal 155 provided with the payer memory card 150 (570). The transaction server 100 processes the financial transaction based on the received financial transaction request information to generate (or extract) financial transaction result information (575).

The financial transaction request information transmitted from the payer wireless terminal 155 to the financial transaction server 100 to provide a financial transaction service between wireless terminals equipped with a memory card having a short range wireless communication function is predetermined. It characterized in that it comprises at least one or more of the payer account information, the transfer amount information and the payee account information.

In addition, the financial transaction request information preferably further comprises transaction authentication information for processing the financial transaction request of the payer wireless terminal 155.

The payer account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the payer customer, customer information (for example, the name of the account holder, or the payment according to the intention of the skilled person) Customer information file (CIF) number corresponding to the account, etc.), financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact information (e.g., the payer account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The transfer amount information includes a financial transaction amount withdrawn from the payer account to provide a financial transaction service between wireless terminals equipped with a memory card having a short-range wireless communication function. Is characterized in that it does not exceed the balance (or the amount withdrawable through the payer account) deposited in the payer account.

The payee account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the payee customer name, according to the intention of the person skilled in the art (for example, the name of the account holder, or the payee account) Corresponding customer information file (CIF) number, financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g. Name of a contact person, a contact person code, etc.).

The transaction authentication information is confidentiality, authentication, integrity and non-repudiation of the financial transaction for providing the financial transaction service between the wireless terminals equipped with the memory card having the near field communication function. Information for securing at least one or more of (Nonrepudiation), characterized in that it comprises at least one or more passwords corresponding to the payer account, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. The transaction authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the payer account, and / or through an One Tome Password (OTP) generator provided to the customer. It is preferable to further comprise the generated OTP code.

In addition, in the characteristic of the financial transaction system shown in FIG. The transaction authentication information is authorized certificate information provided in the payer wireless terminal 155 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the payer wireless terminal 155), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the payer account information included in the financial transaction request information in connection with the financial system, Preferably, the withdrawal amount is processed to be deposited into a recipient financial account included in the financial transaction request information.

Thereafter, when the financial transaction result information including the financial transaction processing result corresponding to the received financial transaction request information is generated (or extracted), the financial transaction server 100 generates the financial transaction result information (or extracted). Through the receiver wireless terminal 140, and transmits to the recipient memory card 145 provided in the recipient terminal (580).

According to the above process, a financial transaction service is provided between the payer memory card 150 provided in the payer wireless terminal 155 and the payee memory card 145 provided in the payee wireless terminal 140. After the financial transaction result information is provided to the payer memory card 150 provided in the payer wireless terminal 155, the payer memory card 150 is in a state in which the payee memory card 145 is in close communication. Recognizing a predetermined time (585), if communication is confirmed to be possible (590), the recipient financial card provided with the recipient memory card 145 by providing the received financial transaction result information to the recipient wireless card (145) The processor 140 processes the output through the terminal 140 (595).

Here, the financial transaction processing history is characterized in that it comprises the payer account information, the transfer amount information and the payee account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

According to the present invention, the memory card provided in the customer wireless terminal to share the account number through mutual communication to provide a financial transaction service, the process of providing separate account numbers through voice / handwriting, etc. is omitted, There is an advantage that can be solved the problem of exposure of account number that may occur due to and the problem that occurs in the process of confirming this.

Claims (5)

  1. In a method of providing a financial transaction service between wireless terminals of a memory card equipped with a near field communication function and mounted on a wireless terminal,
    Requesting the interface output for the financial transaction service from the memory card mounted in the payer wireless terminal to the payer wireless terminal;
    Receiving the payment account information from a memory card mounted in a payee wireless terminal in close proximity via short-range wireless communication when the payment amount information received through the interface is received from the payer wireless terminal;
    When the payee account information is received from the memory card attached to the payee wireless terminal in the payer's memory card, the received payee account information, the transfer amount information, and the payer account information to pay the transfer amount Generating financial transaction request information;
    Requesting a financial transaction by transmitting the generated financial transaction request information from the payer's memory card to a financial transaction server through the payer wireless terminal; How to Provide Services.
  2. The method of claim 1,
    When the financial transaction result information corresponding to the financial transaction request information transmitted from the financial transaction server in the payer's memory card is received through the payer's wireless terminal, a short-range wireless communication with a memory card installed in the close payee wireless terminal; And checking the availability and transmitting the received financial transaction result information to a memory card of the recipient wireless terminal through short-range wireless communication.
  3. In a method of providing a financial transaction service between wireless terminals of a memory card equipped with a near field communication function and mounted on a wireless terminal,
    Receiving the payee account information and the transfer amount information from the memory card mounted on the payee wireless terminal in proximity to the payee wireless terminal in the memory card mounted on the payer wireless terminal;
    When the payee account information and the transfer amount information are received from the memory card mounted on the payee wireless terminal in the payer's memory card, the received payee account information, the transfer amount information, and the payer account to pay the transfer amount Generating financial transaction request information based on the information;
    Requesting a financial transaction by transmitting the generated financial transaction request information from the payer's memory card to a financial transaction server through the payer wireless terminal; How to Provide Services.
  4. The method of claim 3,
    When the payment amount information and the recipient account information are received from the payee memory card in the payer's memory card, a request is made to the payer wireless terminal to input authentication information for the transfer amount transfer processing, and the authentication provided from the payer wireless terminal is requested. A process of providing a financial transaction service between mobiles with a memory card, comprising: processing authentication for information.
  5. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.
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KR20080096637A (en) * 2008-10-17 2008-10-31 주식회사 신한은행 System and method for processing payment
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KR20090036632A (en) * 2007-10-10 2009-04-15 주식회사 신한은행 Device for processing realtime account transaction and recording medium
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