KR101275300B1 - A method and an apparatus for managing a secret fund in the mobile terminal - Google Patents

A method and an apparatus for managing a secret fund in the mobile terminal Download PDF

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Publication number
KR101275300B1
KR101275300B1 KR1020110120362A KR20110120362A KR101275300B1 KR 101275300 B1 KR101275300 B1 KR 101275300B1 KR 1020110120362 A KR1020110120362 A KR 1020110120362A KR 20110120362 A KR20110120362 A KR 20110120362A KR 101275300 B1 KR101275300 B1 KR 101275300B1
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KR
South Korea
Prior art keywords
mobile terminal
application
wireless communication
card
slush
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Application number
KR1020110120362A
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Korean (ko)
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KR20130054775A (en
Inventor
이경수
Original Assignee
중소기업은행
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Priority to KR1020110120362A priority Critical patent/KR101275300B1/en
Publication of KR20130054775A publication Critical patent/KR20130054775A/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
    • G06Q20/04Payment circuits
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communication
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

In the mobile terminal according to the present invention, a slush management method includes the steps of determining, by a mobile terminal, whether a card having a wireless communication chip is approaching within a certain distance; Searching for and driving an application for slush payment processing corresponding to information stored in the wireless communication chip, when the card has approached within the predetermined distance; If the user's ID and password are input according to the driving of the application, executing the user's slush account inquiry and transfer transaction after performing the access authentication process; And deleting, by the mobile terminal, all execution details of the application according to the user's termination command.

Description

A method and an apparatus for managing a secret fund in the mobile terminal}

The present invention relates to a small amount of slush management, and more particularly, to a technology for performing a process such as account inquiry and bank transfer without exposing a slush account on a mobile terminal.

Since ancient times, married people have taken various means of storage to raise slush funds. Through various means such as drawers, belts, books, shoe soles, etc., we have managed emergency money not exposed to others.

Previously, there was a continuous requirement for slush fund management, and as a commodity, Internet-only bank accounts and security accounts are commercialized. However, in the case of an Internet-only bankbook, there is no real bankbook, but there is a risk that the spouse is exposed as it is if he / she knows his or her personal information and the official certificate password. In addition, the security account is relatively secure because it allows only transactions through the CD / ATM and the branch window, but it is more inconvenient than the general account when making a transfer or look up the transaction history.

Therefore, even if a husband wants to make a savings passbook and continue to pay his living expenses to his mother, his husband knows his / her official certificate code. In addition, there is a constant inconvenience to carry out such a transaction every time through a secured account, but it is inconvenient to carry out such a task every time, and to visit a sales office every time.

In addition, even if a wife does not know the opening of a slush account book and trying to manage separately when the bonus is deposited, there is a problem that is exposed to the wife who knows the official certificate password.

The problem to be solved by the present invention is to recognize a card having an NFC chip for driving the application for the slush account and to recognize the access of the card, to run the application, without exposing the slush account on the mobile terminal The present invention relates to a method and apparatus for managing a slush fund in a mobile terminal, which enables the processing of account inquiry and account transfer.

In order to solve the above problems, the slush management method in the mobile terminal according to the present invention comprises the steps of determining whether the mobile terminal has a card embedded with a wireless communication chip within a certain distance; Searching for and driving an application for slush payment processing corresponding to information stored in the wireless communication chip, when the card has approached within the predetermined distance; If the user's ID and password are input according to the driving of the application, executing the user's slush account inquiry and transfer transaction after performing the access authentication process; And deleting, by the mobile terminal, all execution details of the application according to the user's termination command.

Preferably, if the card is within the predetermined distance, the mobile terminal further comprises the step of determining whether the card exists within the predetermined distance for a predetermined time, wherein the card is within the predetermined distance for the predetermined time If present, the mobile terminal is characterized in that the search and running the application.

In order to solve the above problems, the slush management device in the mobile terminal according to the present invention includes a wireless communication chip detection unit for detecting whether the card containing the wireless communication chip has approached within a certain distance; A memory storing an ID and password information of a user, an application for executing a user's slush account inquiry and a transfer transaction; And

When the user's ID and password are input, the access authentication process is performed, and when the card approaches the predetermined distance according to a sensing result of the wireless communication chip detector, the application corresponding to the information stored in the wireless communication chip. And an application driving controller for searching and driving the controller, wherein the application driving controller controls to delete all execution details of the application according to the user's termination command.

Preferably, the wireless communication chip comprises a Radio Frequency Identification (RFID) chip and a Near Field Communication (NFC) chip.

Preferably, if the card has approached within the predetermined distance, further comprises a time check unit for checking whether the card exists within the predetermined distance for a predetermined time, the application driving control unit according to the check result of the time check unit, If the card is within the predetermined distance for the predetermined time, it is characterized in that for searching and driving the application corresponding to the information stored in the wireless communication chip.

According to the present invention, the method of use can be used more conveniently than the existing one while enhancing the security of the existence of the slush account. In other words, by supplementing the way that only the disadvantage of the existing security account, such as CD / ATM or sales outlet transactions, it is possible to freely view and transfer the slush account anytime and anywhere through their mobile terminal.

In addition, by allowing access through a unique ID / password for driving the application, even if the spouse knows his or her own certificate information can not be accessed.

1 is a flowchart of an embodiment for explaining a slush management method in a mobile terminal according to the present invention.
FIG. 2 is a reference diagram illustrating an image screen on a mobile terminal for explaining each step illustrated in FIG. 1.
3 is a block diagram of an embodiment for explaining a slush management device in a mobile terminal according to the present invention.

Hereinafter, a method for managing a slush in a mobile terminal according to the present invention will be described with reference to the accompanying drawings.

First, in order to explain the present invention, a prior procedure is required. In other words, the wireless communication chip must be embedded in the card. The wireless communication chip includes a radio frequency identification (RFID) chip and a near field communication (NFC) chip. The wireless communication chip stores code information for searching for an application for slush payment processing.

Here, the card includes a variety of cards, such as credit card, cash payment card, check card, discount card. Cards with wireless communication chips can be associated with a slush account.

On the other hand, the mobile terminal possessed by the user is provided with an application for slush payment processing, such an application is downloaded through the app store. Mobile terminals include smart phones, tablet PCs, notebook computers, PDAs, and the like.

1 is a flowchart of an embodiment for explaining a slush management method in a mobile terminal according to the present invention.

The mobile terminal determines whether the card in which the wireless communication chip is embedded has approached within a certain distance (step 100). The mobile terminal owned by the user determines whether the card in which the wireless communication chip is embedded is approached within a certain distance, for example, within 10 [cm]. The wireless communication chip stores code information for searching whether an application for slush payment processing is present in the mobile terminal.

In step 100, if the card approaches within a certain distance, the mobile terminal determines whether the card exists within a certain distance for a predetermined time (step 102). For example, the mobile terminal determines whether the card stays more than 5 [sec] within a distance of 10 [cm].

In step 102, if the card is present within a certain distance for a predetermined time, the mobile terminal searches for and drives an application for slush payment processing corresponding to information stored in the wireless communication chip (step 104). For example, the mobile terminal reads code information stored in an RFID chip, an NFC chip, or the like as a wireless communication chip, and searches whether an application for slush payment corresponding to the code information exists in the mobile terminal. Thereafter, if the corresponding application exists, the mobile terminal drives the application.

After step 104, if the user's ID and password are input according to the driving of the application, the mobile terminal executes the user's slush account inquiry and transfer transaction after performing the access authentication process (step 106). When the application is running, an ID and password input window for executing the application is displayed. Accordingly, the user inputs a pre-registered ID and password, and the mobile terminal determines whether the input ID and password match the registered ID and password, and if it is determined that the ID and password match, the user's command is input. Therefore, the application is executed to execute the operations of inquiry of slush account and transfer transaction.

After step 106, it is determined whether a user's end command is input (step 108).

In step 108, if a termination command is input, the mobile terminal deletes all execution details of the application on the mobile terminal (step 110). According to the termination command of the application, the mobile terminal deletes all transaction history information such as background information on the details of the slush account inquiry and the transfer transaction made on the mobile terminal and icon information displayed for driving the application on the mobile terminal.

On the other hand, in step 102, if the card does not exist for a certain time within a certain distance, the above-described process is terminated. The fact that the card does not exist on the mobile terminal for a certain period of time does not allow the user to intentionally run the application, in which case the application embedded on the mobile terminal does not run.

FIG. 2 is a reference diagram illustrating an image screen on a mobile terminal for explaining each step illustrated in FIG. 1. As shown in FIG. 2, when a card having a wireless communication chip accesses a mobile terminal (1), the mobile terminal reads code information of the wireless communication chip, and the application for slush management stored in the mobile terminal. Search for (2). Thereafter, after the mobile terminal displays the ID and password input window by driving the application, when the ID and password are input by the user, the mobile terminal determines whether the connection authentication is valid (4). Thereafter, if the ID and password are valid, the mobile terminal executes account inquiry and transfer transaction for the slush account (5). Then, when the user's exit command is input, the mobile terminal deletes all the execution history of the application on the mobile terminal.

Hereinafter, a slush management apparatus in a mobile terminal according to the present invention will be described with reference to the accompanying drawings. Here, the mobile terminal equipped with a slush management device includes a smartphone, a tablet PC, a notebook, a PDA, and the like.

3 is a block diagram of an embodiment for explaining a slush management device in a mobile terminal according to the present invention. The wireless communication chip detection unit 200, the time check unit 210, the application driving control unit 220 and the memory ( 230).

The wireless communication chip detecting unit 200 detects whether the card in which the wireless communication chip is embedded has approached within a predetermined distance, and outputs the detected result to the application driving control unit 220. The wireless communication chip detecting unit 200 determines whether the card in which the wireless communication chip is embedded is approached within a predetermined distance, for example, within 10 [cm]. The wireless communication chip stores code information for searching whether an application for slush payment processing is present in the mobile terminal. In addition, the wireless communication chip detector 200 reads code information (that is, code information for searching for an application for slush payment processing) included in an RFID chip and an NFC chip as a wireless communication chip, and read the code information. To the application driving controller 220.

The application driving controller 220 finally determines that the card has approached a certain transaction from the mobile terminal through the detection result of the wireless communication chip detector 200, and instructs the time checker 210 to check the time.

The time checker 210 timings a predetermined time under the control of the application driving controller 220 and outputs the timing result to the application driving controller 220. For example, the time checker 210 checks whether the card stays at least 5 [sec] within a distance of 10 [cm].

When the application driving controller 220 determines that the card is present within a predetermined distance for a predetermined time, according to the detection result of the wireless communication chip detector 200 and the check result of the time checker 210, the information stored in the wireless communication chip. Search for the application that corresponds to. The application driving control unit 220 reads code information stored in an RFID chip or an NFC chip as a wireless communication chip, and searches whether there is an application for slush payment corresponding to the code information in the mobile terminal. Thereafter, if an application corresponding to code information exists, the application driving controller 220 drives the corresponding application. Thereafter, when the application is driven, an ID and password input window for executing the application is displayed, and the user inputs an ID and password, and the application driving controller 220 is provided with the registered ID and password. If the ID and password are matched with the registered ID and password, the application is run according to the user's command to control the execution of the user's slush account inquiry and the transfer transaction.

 Thereafter, when a user's termination command is input, the application driving controller 220 controls to delete all execution details of the application on the mobile terminal. The application driving control unit 220 deletes all transaction history information such as background information on the details of the slush account inquiry and the transfer transaction made on the mobile terminal and icon information displayed for driving the application according to the application termination command. do.

The memory 230 stores user ID and password information and information on an application for executing the user's slush account inquiry and transfer transaction. The memory 230 provides ID and password information of the user and information on the application at the request of the application driving controller 220.

Meanwhile, the method inventions of the present invention described above can be implemented as computer readable codes / instructions / programs. For example, it may be implemented in a general-purpose digital computer for operating the code / instructions / program using a computer-readable recording medium. The computer-readable recording medium includes storage media such as magnetic storage media (eg, ROM, floppy disk, hard disk, magnetic tape, etc.), optical reading media (eg, CD-ROM, DVD, etc.) .

The slush management method and apparatus in the present invention mobile terminal has been described with reference to the embodiment shown in the drawings for clarity, but this is only an example, and those skilled in the art have various modifications and It will be appreciated that other equivalent embodiments are possible. Accordingly, the true scope of the present invention should be determined by the appended claims.

200: wireless communication chip detector
210: time check part
220: application driving control unit
230: Memory

Claims (5)

  1. Determining, by the mobile terminal, whether the card having the wireless communication chip has approached within a certain distance;
    If the card is within the predetermined distance, determining, by the mobile terminal, whether the card is within the predetermined distance for a predetermined time;
    Searching and driving an application for slush payment processing corresponding to information stored in the wireless communication chip, if the card exists within the predetermined distance for the predetermined time;
    If the user's ID and password are input according to the driving of the application, executing the user's slush account inquiry and transfer transaction after performing the access authentication process; And
    According to the user's termination command, the mobile terminal comprises a step of deleting all the execution history of the application, the slush management method in a mobile terminal.
  2. delete
  3. A wireless communication chip detector for detecting whether a card having a wireless communication chip is approached within a predetermined distance;
    A time checker which checks whether the card exists within the predetermined distance for a predetermined time if the card approaches the predetermined distance;
    A memory storing an ID and password information of a user, an application for executing a user's slush account inquiry and a transfer transaction; And
    When the user's ID and password are input, the device performs connection authentication, and searches for the application corresponding to the information stored in the wireless communication chip according to a detection result of the wireless communication chip detector and a check result of the time checker. An application driving control unit for driving;
    The application driving control unit according to the user's termination command, the slush management device in the mobile terminal, characterized in that for controlling to delete all the execution history of the application.
  4. The method of claim 3,
    The wireless communication chip includes a RFID (Radio Frequency Identification) chip and NFC (Near Field Communication) chip, characterized in that the device for managing a mobile terminal in a mobile terminal.
  5. delete
KR1020110120362A 2011-11-17 2011-11-17 A method and an apparatus for managing a secret fund in the mobile terminal KR101275300B1 (en)

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WO2015038550A1 (en) * 2013-09-10 2015-03-19 Simple Finance Technology Corp. Transferring funds between financial accounts of two accountholders

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070015781A (en) * 2005-08-01 2007-02-06 이수근 Internet banking method
KR20070107218A (en) * 2006-05-02 2007-11-07 (주)넥스지텔레콤 System for using smart card
KR20070111703A (en) * 2006-05-18 2007-11-22 에스케이 텔레콤주식회사 Mobile terminal, method and system for providing financial service ticket by using the mobile terminal
KR20110024245A (en) * 2009-09-01 2011-03-09 에스케이텔레콤 주식회사 Portable storage device having software therein and method for protecting privacy data in disconnection of the portable storage device from computer

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070015781A (en) * 2005-08-01 2007-02-06 이수근 Internet banking method
KR20070107218A (en) * 2006-05-02 2007-11-07 (주)넥스지텔레콤 System for using smart card
KR20070111703A (en) * 2006-05-18 2007-11-22 에스케이 텔레콤주식회사 Mobile terminal, method and system for providing financial service ticket by using the mobile terminal
KR20110024245A (en) * 2009-09-01 2011-03-09 에스케이텔레콤 주식회사 Portable storage device having software therein and method for protecting privacy data in disconnection of the portable storage device from computer

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