KR101409860B1 - Method and apparatus for providing electronic payment and banking service using smart device and credit card reader - Google Patents

Abstract

The present invention relates to a financial card settlement service and a banking service using a smart communication terminal.
The present invention relates to a smart card communication terminal that receives a working key generated corresponding to a financial card reading terminal from a bank server through a smart communication terminal connected to a financial card reading terminal and displays a card number obtained by reading the financial card and a password And transmits the encrypted card information to the smart communication terminal by using the working key again to transmit the encrypted card information to the smart communication terminal using the smart communication terminal. The smart communication terminal encrypts the card information encrypted by the financial card reading terminal and the transaction special together and transmits the encrypted card information to the bank server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic financial settlement service providing method and an electronic financial service providing system using a smart communication terminal and a financial card reading terminal,

The present invention relates to a financial card settlement service and a banking service using a smart communication terminal.

Financial card merchants, such as businesses and businesses registered in a financial card payment service provided by a bank or a credit card company, can receive transaction payments from customers using financial cards such as a customer's cash card or credit card.

POS terminals are widely used in the field of credit finance services using credit cards or check cards of customers. A financial card merchant can use a POS terminal disposed at a store to allow a customer visiting a store to settle a payment using a financial card.

However, if a customer of a financial card merchant visits a customer directly, such as visiting sales, a visiting sales employee directly transfers a transaction from the customer's account, thereby transferring the transaction money. Thus, the financial card merchant receives the transaction amount . However, there is a risk that the manipulation of the visiting sales staff will interfere with the payment of the transaction when the transaction money is transferred from the customer through the visiting sales staff.

In addition, a visiting sales employee may have a separate POS terminal at the time of visiting the customer, so that the transaction payment can be paid using the customer's financial card. In this case, it is troublesome for the visiting sales staff to carry the POS terminal separately.

The present invention is to realize a financial settlement service and a banking service using a financial card using a smart communication terminal of a financial settlement service franchisee.

The financial settlement processing method of a financial card reading terminal according to an embodiment of the present invention includes receiving a working key generated corresponding to the financial card reading terminal from a bank server through a smart communication terminal connected to the financial card reading terminal ; Generating first card information by encrypting a card number obtained by reading the financial card and a password for the financial card inputted by the financial card user; Encrypting the first card information using the working key to generate second card information; And transmitting the second card information to the smart communication terminal. The second card information is encrypted by the smart communication terminal together with a transaction specialist and transmitted to the bank server.

The step of receiving the working key according to an exemplary embodiment of the present invention may include randomly generating the working key when the bank server makes a transaction request from the smart communication terminal and transmitting the working key encrypted using the master key to the financial card reading terminal From the bank server; And decrypting the received working key using the master key embedded in the financial card reading terminal. The step of generating the second card information according to an embodiment may include the step of encrypting the first card information using the working key decrypted using the master key.

According to another aspect of the present invention, there is provided a method of processing financial transactions of a smart communication terminal, the method comprising: generating an encryption session for a transaction request to a bank server; Receiving from the bank server a working key generated corresponding to a financial card reading terminal connected to the smart communication terminal and transferring the working key to the financial card reading terminal; Receiving encrypted second card information from the financial card reading terminal using the working key; Encrypting the transaction information including the transaction information generated based on the transaction content input from the user of the smart communication terminal and the second card information; And transmitting the encrypted transaction information to the bank server.

The method of processing a financial settlement of a communication terminal according to an exemplary embodiment may further include the step of requesting and receiving a public key to the bank server, wherein the transaction information encrypting step uses a public key received from the bank server And encrypting the transaction information.

A method for providing a financial settlement service of a bank server according to an embodiment of the present invention includes receiving a transaction request through an encryption session between the smart communication terminal and the bank server from the smart communication terminal connected to the financial card reading terminal step; Generating a working key for the financial card reading terminal and transmitting the working key to the smart communication terminal; Receiving encrypted transaction information from the smart communication terminal and decrypting the encrypted transaction information; Decoding the second card information among the decrypted transaction information using the working key to restore the first card information; And processing a transaction request from the smart communication terminal based on the transaction information and the first card information among the decrypted transaction information.

The step of generating and transmitting the working key to the smart communication terminal according to an embodiment includes receiving the identification information of the financial card reading terminal from the smart communication terminal when the transaction request is made; Randomly generating a working key corresponding to the identification information of the received financial card reading terminal; And encrypting the generated working key using the master key for the financial card reading terminal and transmitting the encryption key to the smart communication terminal.

The master key according to an embodiment is initially determined and stored by the bank server in correspondence with the identification information of the financial card reading terminal before a start transaction between the smart communication terminal and the bank server, May be transmitted to the terminal.

According to an embodiment of the present invention, a financial card reading terminal for a financial settlement service using a smart communication terminal includes a card reader for reading a financial card; A user interface unit; A communication terminal communication unit for exchanging data with a smart communication terminal connected to the financial card reading terminal; Generating first card information for generating first card information by encrypting card information including the card number of the financial card obtained through the reading unit and the password of the financial card inputted by the financial card user through the user interface unit part; Receiving a working key generated corresponding to the financial card reading terminal from a bank server through the smart communication terminal connected to the financial card reading terminal, encrypting the first card information using the working key, 2 card information, and transmits the second card information to the smart communication terminal.

The financial card reading terminal according to the embodiment of the present invention receives the master key determined by the bank server in correspondence with the identification information of the financial card reading terminal before the start transaction between the smart communication terminal and the bank server And a master key storage unit for storing the master key.

A smart communication terminal that provides a financial settlement service using a financial card reading terminal according to an embodiment of the present invention includes a user interface unit; A reading terminal communication unit for transmitting and receiving data to and from a financial card reading terminal connected to the smart communication terminal; A bank server communication unit for generating an encryption session for a transaction request to the bank server and transmitting and receiving the encrypted transaction information to the bank server; And a terminal transaction processing unit for generating and encrypting a transaction text based on the transaction contents input from the user of the smart communication terminal through the user interface unit, wherein the terminal transaction processing unit transmits the transaction text to the bank server via the bank server communication unit Receiving a working key generated so as to correspond to the financial card reading terminal and transmitting the received working key to the financial card reading terminal via the reading terminal communication unit and by the financial card reading terminal via the reading terminal communication unit Receives the encrypted second card information using the working key, encrypts the transaction information including the transaction special and the second card information, and transmits the encrypted transaction information through the bank server communication unit.

The smart communication terminal according to an exemplary embodiment may further include a financial settlement application driver for receiving and processing a transaction request of the smart communication terminal user through a financial settlement application provided from the bank server.

A bank server providing a financial settlement service using a smart communication terminal and a financial card reading terminal according to an embodiment of the present invention receives a transaction request from a smart communication terminal connected to a financial card reading terminal through an encryption session, A communication terminal communication unit for transmitting and receiving related information; And generating a working key for the financial card reading terminal and transmitting through the smart communication terminal communication unit; Decrypting the encrypted transaction information received through the smart communication terminal; Decoding the second card information among the decrypted transaction information using the working key to restore the first card information; And a bank transaction processing unit for processing a transaction request from the smart communication terminal based on the transaction information and the first card information among the decrypted transaction information and transmitting the transaction request through the smart communication terminal communication unit.

The bank server according to an embodiment further includes a master key storage unit for storing a master key determined by the bank server in correspondence with the identification information of the financial card reading terminal before a start transaction between the smart communication terminal and the bank server And transmits the first generated master key to the financial card reading terminal.

The bank server according to an embodiment receives identification information of the financial card reading terminal when a transaction request is received through the smart communication terminal communication unit; Randomly generating a working key corresponding to the financial card reading terminal based on the identification information of the received financial card reading terminal; The generated working key may be encrypted using the master key for the financial card reading terminal and transmitted through the smart communication terminal communication unit.

Based on the financial settlement service using the smart communication terminal according to one embodiment, the financial settlement franchisee can conveniently carry out the settlement transaction and the account operation and the sales activity through the smart communication terminal by the visiting sales employee .

Since a dedicated application for financial settlement is installed in the smart communication terminal, an environment similar to that of the POS terminal in the offline store can be established, so that the transaction reliability between the merchant and the customer is improved and the transaction details can be managed transparently.

The customer personal information such as the card information transmitted and received between the smart communication terminal and the financial card reading terminal is primarily encrypted and then the customer personal information transmitted and received between the smart communication terminal and the bank server is secondarily encrypted, Is encrypted in two, so it is possible to make a more secure electronic financial settlement.

FIG. 1 illustrates a structure of a financial card reading terminal, a smart communication terminal, and a bank server for implementing a financial settlement service using a smart communication terminal according to an embodiment.
FIG. 2 illustrates a block diagram of a financial card reading terminal for a financial settlement service using a smart communication terminal according to an embodiment.
FIG. 3 illustrates a block diagram of a smart communication terminal that is provided with a financial settlement service using a financial card reading terminal according to an embodiment.
FIG. 4 illustrates a block diagram of a bank server for providing a financial settlement service using a smart communication terminal and a financial card reading terminal according to one embodiment.
FIG. 5 illustrates a communication structure between a terminal, a mobile communication company server, a Value Added Network (VAN) company, and a bank server for a financial settlement service according to an embodiment.
FIG. 6 is a flowchart illustrating a process of using a smart communication terminal to receive a financial settlement service according to an exemplary embodiment of the present invention.
7 shows a flow chart of the opening procedure of a smart communication terminal and a financial card reading terminal according to an embodiment.
FIG. 8 is a flowchart of a financial settlement processing method of a financial card reading terminal for a financial settlement service using a smart communication terminal according to an embodiment.
FIG. 9 is a flowchart illustrating a financial settlement processing method of a smart communication terminal that receives a financial settlement service using a financial card reading terminal according to an embodiment.
10 is a flowchart illustrating a method of providing a financial settlement service for a smart communication terminal and a financial card reading terminal according to an exemplary embodiment of the present invention.
11 shows a transaction processing flow chart of a financial card reading terminal, a smart communication terminal and a bank server according to an embodiment.

1 to 11, a structure of a financial card reading terminal, a smart communication terminal, and a bank server for receiving a financial settlement service using a smart communication terminal provided by a bank server will be described in detail with reference to FIGS. Also, a financial settlement processing method for the financial card reading terminal and the smart communication terminal to receive the financial settlement service of the bank server, and a method for the bank server to provide the financial settlement service are described in detail.

1 illustrates a structure 100 of a financial card reading terminal 110, a smart communication terminal 120 and a bank server 130 for implementing a financial settlement service using a smart communication terminal 120 according to an embodiment. / RTI >

The financial card reading terminal 110 according to one embodiment may be equipped with an IC card (Integrated Circuit Card) reader and a PIN pad (PIN PAD). For example, the financial card reading terminal 110 can read financial cards such as cash IC cards, debit cards, check cards, and credit cards. The PIN can be used to input a password for a financial card from a financial card user. When reading a customer's cash IC card, the account PIN for the cash IC card may be entered via the pin pad.

The smart communication terminal 120 according to an embodiment is connected to the financial card reading terminal 110 to receive the card information for the financial card from the financial card reading terminal 110, Information to the bank server 130. The smart communication terminal 120 and the financial card reading terminal 110 may be interconnected through wired / wireless communication. Or a form in which the smart communication terminal 120 and the financial card reading terminal 110 are combined or a form in which the financial card reading terminal 110 is mounted in the smart communication terminal 120.

The financial settlement service structure 100 according to an exemplary embodiment includes a financial card reading terminal 110, a smart communication terminal 120, and a bank server 130. The smart communication terminal 120 and the bank server 130 may communicate through a network. The network according to an embodiment is a broad concept including possible communication means such as an open Internet, a wired Internet network including a closed intranet, a wireless Internet communication network interworking with a mobile communication network, and a computer network capable of various data communication.

A financial settlement service using the smart communication terminal 120 provided by the bank server 130 according to an exemplary embodiment may be a person such as a corporation, a business, a store, a group / corporation, or a hollow merchant. The establishment may enter into a merchant agreement with the bank for a financial settlement service using the smart communication terminal 120 according to an embodiment. For convenience of the following description, a business entity that has entered into a merchant contract for a financial settlement service using the smart communication terminal 120 according to an exemplary embodiment is referred to as a financial settlement merchant.

According to one embodiment, the financial settlement franchisee may be a financial card franchise store or an account transfer franchise store. When the merchant agreement for the financial settlement service using the smart communication terminal 120 is established, the bank account of the bank transfer server / inquiry, the bank account for receiving the financial card settlement money, etc. Information about a bank account of a financial settlement franchisee can be stored.

The bank server 130 according to one embodiment provides a financial settlement application for the smart communication terminal 120. The bank server 130 according to an exemplary embodiment of the present invention may be configured to perform a deposit inquiry for an account associated with the financial settlement service according to an embodiment, And can provide a financial settlement service such as transfer, payment, and the like.

The financial settlement service for the customer of the financial card merchant can be provided through the financial settlement application installed in the smart communication terminal 120 of the financial card merchant. For example, a financial settlement application may provide financial settlement services such as account transfer to a bank account of a customer, settlement by a cash card, and the like. An additional inquiry service for the registered account may be provided if the bank account of the bank server 130 as well as the account of another bank are previously registered in the bank server 130. [

In addition, a financial settlement service for a financial card merchant can be provided through a financial settlement application installed in the smart communication terminal 120. Typically, through the financial settlement service using the smart communication terminal 120 according to the embodiment, the payment amount of the customer's financial card can be transferred to the bank account of the financial settlement merchant. For example, through the financial settlement application installed in the smart communication terminal 120, the account settlement service, the account inquiry service, the transaction processing result through the financial settlement service according to one embodiment, and the transaction details of the bank account of the financial settlement merchant Financial services such as inquiry service can be processed. According to one embodiment, the bank account of the financial settlement merchant may be a bank account of the bank server 130, or a second account. Information on the account such as the account number of the bank account of the merchant may be registered in the database of the bank server 130 in advance.

2, 3 and 4, the structure of the financial card reading terminal 110, the smart communication terminal 120 and the bank server 130 according to the embodiment will be described in detail.

FIG. 2 illustrates a block diagram of a financial card reading terminal 110 for a financial settlement service using a smart communication terminal 120, according to one embodiment.

The financial card reading terminal 110 according to one embodiment includes a card reading unit 210, a user interface unit 220, a communication terminal communication unit 230, a first card information generating unit 240, (250). ≪ / RTI > The communication terminal communication unit 230 is a means for the financial card reading terminal 110 and the smart communication terminal 120 to exchange data.

Communication Terminal Communication Unit 230 The card reading unit 210, the user interface unit 220, the communication terminal communication unit 230, the first card information generation unit 240, and the second card information generation unit 250, Can be operated by the control of a central processing processor mounted on the reading terminal 110 or an operation processor incorporated in each of them.

The card reading unit 210 according to the embodiment can read the financial card and obtain the card number of the financial card. The user interface unit 220 according to one embodiment can generate the password of the financial card, the cash account password of the cash IC card, etc. input by the user of the financial card.

The first card information generating unit 240 can receive the card number of the financial card from the card reading unit 210 and receive the password of the financial card from the user interface 220. [ The first card information generating unit 240 according to the embodiment can generate the first card information by encrypting the card information including the card number and the password of the financial card. For example, the first card information generating unit 240 may generate the first card information including the TRACK information of the financial card and the encrypted PIN (Blocked Pin) information.

The second card information generating unit 250 may receive the generated working key corresponding to the financial card reading terminal 110 from the bank server 130 through the smart communication terminal 120. [ A running key may be received from the bank server 130 via the smart communication terminal 120 whenever a new transaction request is made while the application is running in the smart communication terminal 120. [

The second card information generating unit 250 can generate the second card information by encrypting the first card information using the working key. The second card information generating unit 250 may transmit the second card information to the smart communication terminal 120. [

The second card information may be encrypted by the smart communication terminal 120 together with the transaction details and transmitted to the bank server 130.

The bank server 130 may determine a master key that is a unique value corresponding to the identification information of the financial card reading terminal 110 prior to the commencement transaction between the smart communication terminal 120 and the bank settlement service of the bank server 130 have. The financial card reading terminal 110 may receive the master key from the bank server 130 and store it in the master key storage unit (not shown) before the start transaction. The financial card reading terminal 110 having a unique master key can be opened together with the smart communication terminal 120 while receiving the master key from the bank server 130 through the smart communication terminal 120. [

The second card information generating unit 250 may receive a randomly generated working key corresponding to the identification information of the financial card reading terminal 110 from the bank server 130. [ Further, the second card information generating unit 250 can receive the working key encrypted using the master key for the financial card reading terminal 110. The second card information generating unit 250 can decrypt the received working key using the master key included in the master key storing unit. The second card information generating unit 250 can generate the second card information by encrypting the first card information using the decrypted working key.

FIG. 3 illustrates a block diagram of a smart communication terminal 120 that is provided with a financial settlement service using a financial card reading terminal 110, according to one embodiment.

The smart communication terminal 120 according to one embodiment may include a user interface unit 310, a reading terminal communication unit 320, a bank server communication unit 330, and a terminal transaction processing unit 340. The reading terminal communication unit 320 is a means for the smart communication terminal 120 to exchange data with the financial card reading terminal 110. [ The bank server communication unit 330 is a means for the smart communication terminal 120 to transmit and receive transaction related information to and from the bank server 130.

The user interface unit 310, the reading terminal communication unit 320, the bank server communication unit 330 and the terminal transaction processing unit 340 are connected to a central processing unit mounted in the smart communication terminal 120, Lt; / RTI >

The bank server communication unit 330 may generate an encrypted session for a transaction request to the bank server 130. [

The terminal transaction processing unit 340 can generate and encrypt the transaction text based on the transaction contents input from the user of the smart communication terminal 120 through the user interface unit 310,

The terminal transaction processing unit 340 receives the working key generated to correspond to the financial card reading terminal 110 by the bank server 130 through the bank server communication unit 330, And can transmit the received working key to the financial card reading terminal 110.

The terminal transaction processing unit 340 can receive the second card information encrypted by the financial card reading terminal 110 using the working key through the reading terminal communication unit 320. [ As described above, the second card information is a form in which the card number and the password of the financial card are secondarily encrypted using the working key. The terminal transaction processing unit 340 may encrypt the transaction information including the transaction special and the second card information and transmit the encrypted transaction information to the bank server 130 through the bank server communication unit 330. [

The smart communication terminal 120 may further include a financial settlement application driver (not shown) for driving a financial settlement application provided from the bank server 130. A transaction request can be input and processed from a user of the smart communication terminal 120 through a financial settlement application driven by a financial settlement application driver (not shown).

The smart communication terminal 120 can receive information encrypted with the transaction processing result information through the bank server communication unit 330.

4 illustrates a block diagram of a bank server 130 for providing financial settlement services using a smart communication terminal 120 and a financial card reading terminal 110 in accordance with one embodiment.

The bank server 130 according to an embodiment includes a communication terminal communication unit 410 for exchanging data with the smart communication terminal 120 connected to the financial card reading terminal 110 and a bank transaction processing unit 420 can do. The communication terminal communication unit 410 and the bank transaction processing unit 420 may be operated by a central processing unit mounted on the bank server 130 or by an operation processor incorporated in the communication server 410, respectively.

A session key sharing request may be received together with a transaction request from the smart communication terminal 120 through the communication terminal communication unit 410. [ The bank server 130 can transmit and receive transaction related information through the encryption session established between the communication terminal communication unit 410 and the bank server 330 of the smart communication terminal 120.

The bank transaction processing unit 420 may generate a working key for the financial card reading terminal 110 and transmit the working key to the smart communication terminal 120 through the smart communication terminal communication unit 410.

The bank transaction processing unit 420 decrypts the encrypted transaction information received through the smart communication terminal communication unit 410, decodes the second card information in the decrypted transaction information using the working key, and restores the first card information can do. The bank transaction processing unit 420 may process the transaction request from the smart communication terminal 120 based on the transaction information and the first card information among the decrypted transaction information.

The bank transaction processing unit 420 may encrypt the processing result information and transmit the processing result information to the smart communication terminal 120 in order to inform the smart communication terminal 120 of the result of processing the transaction request through the communication terminal communication unit 410 have.

The bank transaction processing unit 420 may receive the identification information of the financial card reading terminal 110 when a transaction request is received from the smart communication terminal 120 through the smart communication terminal communication unit 410. The bank transaction processing unit 420 may randomly generate a working key corresponding to the financial card reading terminal 110 based on the identification information of the received financial card reading terminal 110. [

The bank server 130 may further include a master key storage unit (not shown) storing a master key determined in correspondence with the identification information for the financial card reading terminal 110. The bank server 130 may determine a master key that is an encryption key of an eigenvalue corresponding to the identification information of the financial card reading terminal 110 prior to the start transaction between the smart communication terminal 120 and the bank server 130. [ The first generated master key may also be transmitted to the financial card reading terminal 110 and embedded therein. The master key storage unit (not shown) may store a separate master key for each of the one or more financial card reading terminals registered in the bank server 130.

The bank server 130 may also detect the master key for the financial card reading terminal 110 stored in the master key storing unit (not shown) based on the identification information of the received financial card reading terminal 110. [ The bank server 130 encrypts the working key generated based on the identification information of the financial card reading terminal 110 using the detected master key and transmits the encrypted key to the smart communication terminal 120 ). ≪ / RTI >

The bank transaction processing unit 420 stores the working key generated due to the current transaction request. When the transaction information is received through the smart communication terminal communication unit 410, the bank transaction processing unit 420 transmits the second card information of the decrypted transaction information to a working key And can restore the first card information including the card number, the password, and the like.

As described above, the bank transaction processing unit 420 processes the transaction request from the smart communication terminal 120 based on the transaction information and the first card information among the decrypted transaction information, and transmits the processing result to the smart communication terminal communication unit 410 to the smart communication terminal 120.

For example, the bank transaction processing unit 420 may be a bank transaction processing unit, a bank transaction processing unit, and a bank transaction processing unit 420. The bank transaction processing unit 420 may be a transaction processing unit, Inquiry of the results of the transaction, inquiry of the deposit transaction details of the cash card holders, settlement of transactions of transferring the payment made by the customer's cash IC card to the bank account of the pre-registered merchant in the bank.

5 illustrates a communication structure 500 for a financial settlement service according to an embodiment between terminals 110 and 120, a mobile communication company server 510, a VAN company server 520 and a bank server 130 .

Terminals 110 and 120 collectively refer to financial card reading terminal 110 and smart communication terminal 120 according to one embodiment. The smart communication terminal 120 according to an exemplary embodiment may be a smart phone, a smart pad, a PDA (Personal Digital Assistants), a laptop, a slate PC, A personal computing device capable of wireless networking.

The terminals 110 and 120 may use a wireless communication network provided by the mobile communication company server 510. The wireless communication technology of the mobile communication company server 510 that can be used in the present invention can be applied to various wireless communication systems such as a wireless LAN, a Wi-Fi, a 3G, a WiMAX, a WiBro, a wireless mesh network, ZigBee, HSDPA (High Speed Downlink Packet Access), and the like.

The transaction related data of the financial settlement service transmitted between the terminals 110 and 120 and the bank server 130 is transmitted to the mutual exchange server 100 via the VAN server 520 through the wireless communication network provided by the mobile communication company server 510 Lt; / RTI > The VAN company server 520 can not access the personal information of the customers of the terminals 110 and 120 and the bank server 130 and can not access the transaction related data between the terminals 110 and 120 and the bank server 130 Only the transmission and reception telegrams can be delivered.

Data communication between the mobile communication company server 510 and the VAN server 520 may be carried out through a dedicated line.

FIG. 6 is a flowchart 600 illustrating a process of using the smart communication terminal 120 to receive a financial settlement service according to an embodiment of the present invention.

The smart communication terminal 120 and the financial card reading terminal 110 are opened by the financial settlement agent who intends to use the bank financial settlement service according to the embodiment (s610).

In order to open the smart communication terminal 120 and the financial card reading terminal 110 for the financial settlement service according to one embodiment, the VAN server 520 or the bank server 130 may be connected to a smart communication terminal (S620). ≪ / RTI > For example, the smart communication terminal 120 may transmit subscriber identity module (SIM) information of the smart communication terminal 120, merchant information, and the like to the VAN server 520 or the bank server 130. In addition, the smart communication terminal 120 may transmit the identification information of the financial card reading terminal 110 to the VAN server 520 or the bank server 130.

The opening procedure of the smart communication terminal 120 and the financial card reading terminal 110 according to one embodiment will be described in detail below with reference to FIG.

The smart communication terminal 120 can access the financial settlement service homepage using the smart communication terminal 130 operated by the bank server 130 by the input of the financial settlement affiliate shop at step s630. The financial settlement application may be installed in the smart communication terminal 120 in accordance with the input of the financial settlement agent for downloading the financial settlement application provided by the bank server 130 from the financial settlement service homepage in operation s640.

The smart communication terminal 120 is used in connection with the financial card reading terminal 110 so that the smart communication terminal 120 can provide the financial settlement service of the bank server 130 to the financial settlement merchant through the financial settlement application (s650). The smart communication terminal 120 can drive the installed financial settlement application and receive the card information of the financial card read out from the financial card reading terminal 110. [ The financial settlement application can provide a graphical interface for inputting transaction contents. Through the financial settlement application, transactions entered from financial card merchants can be created as transactions.

The smart communication terminal 120 may encrypt the card information and the transaction text and transmit the encrypted card information and the transaction text to the bank server 130 so that the smart communication terminal 120 can request various transactions supported by the financial settlement service to the bank server 130. Accordingly, the bank server 130 may process the settlement request associated with the financial card or the account transaction request associated with the cash card.

FIG. 7 shows a flow chart of the opening procedure of the smart communication terminal 120 and the financial card reading terminal 110 according to an embodiment.

Before the smart communication terminal 120 and the financial card reading terminal 110 of the financial settlement franchisee are opened, the VAN company 520 can register the financial settlement franchise. For example, the VAN company 520 can receive the merchant information of the financial settlement merchant and the identification information of the financial card reading terminal 110 allocated to the financial settlement merchant in advance, and store it in the merchant store information database (not shown). In addition, the VAN company 520 may generate a VAN terminal management number for each financial card reading terminal 110 and store the VAN terminal management number in a merchant information database (not shown).

For example, the merchant information may include a business number of a financial settlement merchant, an address of a merchant, and the like. For example, the identification information of the financial card reading terminal 110 may include a product number, a serial number, and the like that are assigned when the financial card reading terminal 110 is manufactured.

The smart communication terminal 120 requests the VAN company 520 to send the SIM transaction information of the smart communication terminal 120 and the identification number of the financial card reading terminal 110 to the bank server 130 (S710).

The VAN company 520 may generate the merchant number of the financial settlement merchant in accordance with the start transaction request and store the merchant information including the merchant number and the merchant address in the merchant information database (not shown). The VAN company 520 may store the SIM information of the smart communication terminal 120 in a merchant information database (not shown).

The VAN company server 520 transmits the business number received from the smart communication terminal 120 and the identification information of the financial card reading terminal 110 to the VAN server 520 in the financial information database And can be compared with the business number of the payment merchant and the identification information of the financial card reading terminal 110. If the information (the operator number and the terminal identification information) received from the smart communication terminal 120 matches the information stored in the VAN server 520, the smart communication terminal 120 and the financial card reading The terminal 110 may be authenticated.

A VAN terminal management number corresponding to the identification information of the financial card reading terminal 110 may be searched for in the merchant information database (not shown) for the smart communication terminal 120 authenticated to the VAN company server 520. [ The VAN company server 520 receives merchandise information of the smart communication terminal 120 corresponding to the registered merchant number and the identification information of the terminal 110 from the data of the financial settlement merchant store stored in the merchant store information database And the VAN terminal management number.

The VAN company 520 transmits the VAN's affiliate shop management information including the VAN terminal management number retrieved from the merchant information database (not shown) and the previously created merchant information to the smart communication terminal 120 (S720) To the server 130 (S730).

The bank server 130 can use the owner identification information such as the SIM information of the smart communication terminal 120 as proof of transaction details such as transaction denial prevention.

In addition, the VAN company 520 may receive the bank code and the bank franchise number from the bank server 130 in step S740 and may transmit the bank code and the bank franchise number to the smart communication terminal 120 in step S750.

The smart communication terminal 120 of the financial settlement affiliation shop may receive the financial settlement service provided by the bank server 130 in cooperation with the financial card reading terminal 110 through the opening procedure of the smart communication terminal 120 described above . 8 to 10, the operation of each of the financial card reading terminal 110, the smart communication terminal 120, and the bank server 130 for processing the financial settlement service according to one embodiment will be described in detail.

FIG. 8 is a flowchart illustrating a method of processing a financial settlement of a financial card reading terminal 110 for a financial settlement service using the smart communication terminal 120 according to an embodiment.

In step s810, the financial card reading terminal 110 receives the working key from the bank server 130 via the interconnected smart communication terminal 120. [ The received working key is an encryption key generated corresponding to the financial card reading terminal 110 by the bank server 130.

The received working key may be an encryption key randomly generated when the bank server 130 requests a transaction from the smart communication terminal 120 or when the financial settlement application is activated. In addition, a working key encrypted by the bank server 130 using the master key for the financial card reading terminal 110 may be received.

The master key according to the embodiment is determined in response to the identification information of the financial card reading terminal 110 by the bank server 130 prior to the start transaction between the smart communication terminal 120 and the bank server 130, And may be stored or embedded in the financial card reading terminal 110 when the card reading terminal 110 is manufactured.

 In step s820, the card reading section 210 of the financial card reading terminal 110 reads the card number from the financial card and receives the password for the financial card from the financial card user via the user interface section 220. [ The first card information generating unit 240 of the card reading terminal 110 generates the first card information including the TRACK information which is the encrypted card number of the financial card and the PIN number which is the encrypted PIN number.

In step s830, the second card information generating unit 250 of the financial card reading terminal 110 encrypts the first card information using the working key to generate the second card information. In step s840, the financial card reading terminal 110 transmits the second card information to the smart communication terminal 120 via the communication terminal communication unit 230. [

By the smart communication terminal 120, the second card information can be encrypted with the transaction details and transmitted to the bank server 130. The second card information and the encrypted transaction information of the transaction special are input to the bank server (VAN) server 520 via the VAN server 520 based on the transaction details inputted by the financial settlement merchant operating the financial settlement application installed in the smart communication terminal 120 130, respectively.

The second card information encrypted by the financial card reading terminal 110 is transmitted to the bank server 130 so that the bank server 130 transmits the second card information to the bank server 130 The bank card reading terminal 110 can be authenticated to the bank server 130. The bank card reading terminal 110 can be authenticated.

When the application is executed for the transaction between the smart communication terminal 120 and the bank server 130, identification information of the financial card reading terminal 110 is transmitted to the VAN company server 520 by the smart communication terminal 120 It is possible to read the financial card for the VAN company server 520 through the matching of the identification information of the financial card reading terminal 110 stored in the VAN company server 520 and the identification information of the transferred financial card reading terminal 110 The terminal 110 may be authenticated.

9 is a flowchart 900 of a financial settlement processing method of a smart communication terminal 120 receiving a financial settlement service using a financial card reading terminal 110 according to an embodiment.

The smart communication terminal 120 installs the financial settlement application provided by the bank server 130 and drives the financial settlement application to receive various transaction requests of the smart communication terminal user through the application.

In step s910, the smart communication terminal 120 creates an encryption session for a transaction request to the bank server 130. [ The smart communication terminal 120 may request the bank server 130 to share the session key for exchanging transaction related data through the encryption session through the bank server communication unit 330.

The smart communication terminal 120 may obtain the identification information from the financial card reading terminal 110 and transmit it to the bank server 130 when requesting the transaction to the bank server 130.

In step s920, the smart communication terminal 120 accesses the bank server 130 through the bank server communication unit 330 to correspond to the financial card reading terminal 110 connected to the smart communication terminal 120, Lt; / RTI > In addition, the smart communication terminal 120 can receive the encrypted working key using the master key for the financial card reading terminal 110 by the bank server 130.

The smart communication terminal 120 transfers the working key received from the bank server 130 to the financial card reading terminal 110 via the reading terminal communication unit 320.

In step s930, the smart communication terminal 120 receives the second card information from the financial card reading terminal 110 via the reading terminal communication unit 320. [ The second card information is received in the form that the first card information is encrypted with the working key by the financial card reading terminal 110. [

In step s940, the terminal transaction processing unit 340 of the smart communication terminal 120 generates a transaction special based on the transaction content input from the user (that is, the financial settlement agent) through the user interface unit 310. [ The terminal transaction processing unit 340 encrypts the transaction information including the transaction special and the second card information.

The smart communication terminal 120 may request the public key from the bank server 130 to receive the public key. For example, the smart communication terminal 120 may receive the public key from the bank server 130 and store it in the smart communication terminal 120 when the smart communication terminal 120 downloads and installs the financial settlement application. The smart communication terminal 120 can encrypt the transaction information using the public key received from the bank server 130.

In step s950, the smart communication terminal 120 transmits the encrypted transaction information to the bank server 130 through the bank server communication unit 330. [

The encrypted transaction information and various transaction related information transmitted through the bank server communication unit 330 can be transmitted to the bank server 130 via the VAN server 520. [

When requesting the opening of the smart communication terminal 120, the smart communication terminal 120 transmits the user's personal information such as the identification information of the financial card reading terminal 110 and the business number of the smart communication terminal 120 to a VAN company To the server 520.

The smart communication terminal 120 can be authenticated to the VAN server 520 through the matching of the business number received from the smart communication terminal 120 and the business number registered and stored in the VAN company server 520. The smart communication terminal 120 can receive the VAN company affiliation management information of the smart communication terminal 120 from the VAN company server 520 based on the authentication result and the VAN company affiliate management information of the smart communication terminal 120 May be transmitted to the bank server 130 by the VAN company server 520.

The smart communication terminal 120 transmits the public key of the smart transaction terminal 120 to the bank server 130 through the matching of the public key of the encrypted transaction information transmitted by the smart communication terminal 120 and the public key provided by the bank server 130 to the smart communication terminal 120 120 may be authenticated.

10 illustrates a flow diagram of a method by which a bank server 130 provides a financial settlement service for a smart communication terminal 120 and a financial card reading terminal 110, according to one embodiment.

The transaction request is received from the smart communication terminal 120 connected to the financial card reading terminal 110 through the communication terminal communication unit 410 of the bank server 130 in step s1010.

The bank server 130 may receive the session key for the encryption session between the smart communication terminal 120 and the bank server 130 from the smart communication terminal 120 and receive the transaction request through the encryption session. A transaction request of a user of the smart communication terminal 120 may be received through a financial settlement application installed in the smart communication terminal 120. [

The bank transaction processing unit 420 of the bank server 130 generates a working key for the financial card reading terminal 110 and transmits the working key to the smart communication terminal 410 through the communication terminal communication unit 410 in step s1020.

The bank server 130 can exchange transaction related data with the smart communication terminal 410 via the VAN server 520. [

When the installation of the financial settlement application in the smart communication terminal 120 is completed, the bank server 130 may receive the public key request. The bank server 130 may generate the public key and the corresponding private key, and may transmit the public key to the smart communication terminal 120.

The bank server 130 may receive the identification information of the financial card reading terminal 110 from the smart communication terminal 120 at the transaction request of the smart communication terminal 120 or at the time of executing the financial settlement application. The bank transaction processing unit 420 may randomly generate a working key corresponding to the identification information of the received financial card reading terminal 110. [

The bank server 130 determines in advance a master key corresponding to the identification information of the financial card reading terminal 110 before the start transaction between the smart communication terminal 120 and the bank server 110 and stores the master key in the master key storage unit . The master key uniquely determined in the financial card reading terminal 110 is provided to the maker of the financial card reading terminal 110 in the process of manufacturing the financial card reading terminal 110 so as to be built in the financial card reading terminal 110 .

The bank server 130 generates a working key corresponding to the identification information of the financial card reading terminal 110 received together with the transaction request of the smart communication terminal 120 and transmits the working key to the financial card reading terminal 110 ), And encrypt the previously generated working key with the searched master key. The working key encrypted through the master key can be transmitted to the smart communication terminal 120.

In step s1030, the bank server 130 receives the transaction information encrypted by the smart communication terminal 120 from the smart communication terminal 120 through the communication terminal communication unit 410, and the bank transaction processing unit 420 Decrypt the encrypted transaction information.

The bank transaction processing unit 420 may compare the working key of the second card information among the decrypted transaction information with the working key generated by the bank server 130. [ The bank transaction processing unit 420 can authenticate the financial card reading terminal 110 based on the comparison result of the working key.

The bank transaction processing unit 420 may read the public key provided to the smart communication terminal 120 from the encrypted transaction information and authenticate the smart communication terminal 120 based on the public key. Also, the bank transaction processing unit 420 may retrieve the private key corresponding to the public key from the database of the bank server 130. The bank transaction processing unit 420 may decrypt the received transaction information using the private key.

In step s1040, the bank transaction processing unit 420 decrypts the second card information of the transaction information decoded in step s1030 using the working key stored in the bank server 130, thereby restoring the first card information. The card information of the customer of the financial settlement merchant and the password associated with the card can be extracted from the restored card information.

In step s1050, the bank transaction processing unit 420 processes the transaction request received from the smart communication terminal 120 based on the transaction information decoded in step s1030 and the first card information restored in step s1040.

That is, depending on the type of the transaction request, the bank transaction processing unit 420 may process account transactions such as account inquiry, account transfer, account balance inquiry, card payment receipt, and the like for the account of the registered merchant. Alternatively, the bank transaction processing unit 420 may process settlement such as account inquiry and account transfer based on the customer's financial card based on the decrypted first card information and card payment.

The bank transaction processing unit 420 may encrypt the transaction result information of the transaction request and transmit the information to the smart communication terminal 120 through the communication terminal communication unit 410.

The VAN server 520 transmits the identification information of the financial card reading terminal 110 to the VAN server 520 on the basis of the identification information of the financial card reading terminal 110 transmitted to the VAN server 520 and the user's personal information of the smart communication terminal 120, When the financial card reading terminal 110 and the smart communication terminal 120 are authenticated with respect to the smart communication terminal 120, the bank server 130 can receive the VAN company merchant management information for the smart communication terminal 120 from the VAN server 520 have.

When the authentication process between the financial card reading terminal 110, the smart phone communication terminal 120, the VAN company server 520 and the bank server 130 is successfully completed, the smart phone communication terminal 120 and the bank The transactions between the servers 130 can be processed individually.

The bank server 130 receives the identification information of the financial card reading terminal 110 from the reading terminal manufacturer and generates a master key and transmits the master key to the reading terminal manufacturer 1110 so that the master key is transmitted to the financial card reading terminal 110 There can be one each. Even if the master key is exposed, only the encryption key of the corresponding terminal 110 is exposed because it is the master key of the corresponding financial card reading terminal 110 alone. The financial card reading terminal 110 encrypts the identification information of the financial card reading terminal 110 and the card information with the walking key provided from the bank server 130 through the smart communication terminal 120 and transmits the encrypted card information to the bank server 130 , The bank server 130 can authenticate the financial card reading terminal 110 only with the issued working key.

The bank server 130 generates a public key and a private key, and may provide a public key to the smart communication terminal 120 when the installation of the financial settlement application of the smart communication terminal 120 is confirmed. The smart communication terminal 120 transmits the transaction information encrypted with the public key to the bank server 130 so that the bank server 130 can authenticate the financial card reading terminal 110 based on the issued public key.

The bank server 130 according to an embodiment can register an existing account or open a new account as an account for receiving a payment of a financial settlement merchant. The bank server 130 may store the account information including the account number for receiving the payment of the customer in the merchant database. The information on the financial settlement merchant that the bank server 130 receives from the smart communication terminal 120 via the VAN company 520 may include account information as well as merchant information.

The bank server 130 according to an exemplary embodiment may receive the card information of the customer and the card password or the password of the payment account together with the transaction request. The bank server 130 according to an embodiment can authenticate the customer account based on the received card information and the password. When the customer account is authenticated according to an embodiment, the customer's card money may be transferred to the payment settlement account of the financial settlement merchant based on the payment request using the cash card.

The bank server 130 according to an exemplary embodiment may transmit the payment result using the cash card to the National Tax Service or the Financial Supervisory Service and report the cash receipt for the payment.

The bank server 130 according to an exemplary embodiment may process a transaction for a cash card account of a customer in response to a payment request using a customer's cash card, which is input through the smart communication terminal 120. [ The work for the cash card account may include account transactions such as account inquiry, account transfer, and the like.

The bank server 130 according to an exemplary embodiment may store a transaction history generated through a financial settlement service through the smart communication terminal 120 in a database. The bank server 130 may inquire transaction details based on the transaction details requested by the customer or the financial settlement agent entered through the smart communication terminal 120.

Therefore, the financial settlement merchant can use the smart communication terminal 120 and the financial card reading terminal 110 without a separate POS terminal to perform a deposit inquiry and a money transfer for a customer having a financial card. The user can request the bank server 120 to perform a transaction of a financial card account such as a cash card account transaction such as a settlement of accounts, a payment of a paper money, or a payment of a general account, . Accordingly, both the credit finance service and the banking service of the bank operating the bank server 130 using the smart communication terminal 120 and the financial card reading terminal 110 can be provided.

11, a financial card reading terminal 110, a smartphone communication terminal 120, a VAN company server 520, and a bank server 130 for processing financial settlement according to the financial settlement service according to an embodiment ) Is described above.

11 shows a transaction processing flow chart of the financial card reading terminal 110, the smart communication terminal 120 and the bank server 130, according to one embodiment.

When the financial card reading terminal 110 is manufactured by the reading terminal manufacturer 1110, identification information such as the product number and the serial number of the financial card reading terminal 110 is provided to the bank server 130 (s1112). The bank server 130 generates a unique master key corresponding to the identification information of the financial card reading terminal 110 and provides it to the reading terminal manufacturer 1110 (s1114). The stored master key may be matched with the identification information of the financial card reading terminal 110 registered in the bank server 130 and stored in the master key storage unit 1130.

The financial card reading terminal 110 stores the master key provided from the bank server 130 by the reading terminal manufacturer 1110 in the corresponding financial card reading terminal 110 (s1116).

A financial settlement application provided by the bank server 130 is installed in the smart communication terminal 120 of the financial settlement merchant. When the issued financial card reading terminal 110 and the smart communication terminal 120 are connected to each other, the smart communication terminal 120 requests identification information from the financial card reading terminal 110, Identification information is transmitted (s1125).

When the financial settlement application is activated to request a transaction to the bank server 130, the smart communication terminal 120 requests the bank server 130 to share a session key for establishing a cryptographic session (s1135). Upon activation of the financial settlement application, the smart communication terminal 120 may randomly generate a session key. The bank server 130 may also be requested a public key along with a request for session key sharing.

The bank server 130 may receive the identification information of the financial card reading terminal 110 from the smart communication terminal 120 when the financial settlement application of the smart communication terminal 120 is activated. The bank server 130 authenticates the registered financial card reading terminal 110 using the identification information of the financial card reading terminal 110, and generates a working key corresponding to the identification information (s1140). If the authentication of the financial card reading terminal 110 fails, the bank server 130 can stop the transaction processing.

The master key for the current financial card reading terminal 110 can be searched with reference to the identification information of the financial card reading terminal 110 stored in the master key storage unit 1130 and the matching table of the master key. The bank server 130 encrypts the working key generated for the current financial card reading terminal 110 using the searched master key and transmits the encrypted working key to the smart communication terminal 120. The working key is used to transmit the smart communication terminal 120 To the financial card reading terminal 110 (s1145).

When a transaction occurs, the financial card reading terminal 110 reads the financial card of the customer of the financial settlement merchant, receives the pin number, and obtains the card information such as the TRACK information and the encrypted pin number (s1150). The financial card reading terminal 110 first encrypts the card information using the working key transmitted from the bank server 130, and transmits the card information to the smart communication terminal 120 (s1155). For example, a field encryption method such as T-DES or the like can be used for primary encryption of card information.

The transaction contents can be input from the financial settlement merchant through the financial settlement application of the smart communication terminal 120. [ The smart communication terminal 120 generates transaction special information on the basis of the inputted transaction contents, and secondarily encrypts the transaction information including the transaction special information and the first encrypted card information using the public key, and transmits the transaction information to the bank server 130 (S1165). For example, as the secondary encryption of the transaction information, an encryption method such as RSA or SEED can be used.

The bank server 130 decrypts the received transaction information using the private key corresponding to the public key provided to the smart communication terminal 120 and extracts the transaction special information and the first encrypted card information from the decrypted transaction information . The bank server 130 may decrypt the primary encrypted card information using a working key provided to the financial card reading terminal 110. [ Accordingly, the bank server 130 processes the transaction request using the transaction special and the decrypted card information (s1170). In addition, the bank server 130 may notify the transaction result to the smart communication terminal 120 (s1175).

The card information of the financial card reading terminal 110 is encrypted by the working key so that the smart communication terminal 120 can receive the working key from the bank card server 130 and the financial card reading terminal 110, When the transaction information including the card information is transmitted from the smart communication terminal 120 to the bank server 130, the public key is used to perform the secondary encryption The card information can be transmitted and received securely. In addition, the first and second encrypted transaction information can be decrypted only by the bank server 130 using the working key and the public key provided by the bank server 130, thereby assuring safety.

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " processor "or" control unit "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor May implicitly include memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

The present invention has been described with reference to the preferred embodiments.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist the reader in understanding the principles and concepts of the present invention to those skilled in the art, It will be understood that the invention may be embodied in various other forms without departing from the spirit or essential characteristics thereof. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (21)

A financial settlement processing method of a financial card reading terminal,
A smart card reader connected to the financial card reading terminal, the bank server randomly generating a working key encrypted using the master key for the financial card reading terminal when a transaction request is made from the smart communication terminal, Receiving from the bank server;
Decrypting the received working key using the master key embedded in the financial card reading terminal;
Generating first card information by encrypting a card number obtained by reading the financial card and a password for the financial card inputted by the financial card user;
Encrypting the first card information using the decrypted walking key to generate second card information; And
And transmitting the second card information to the smart communication terminal,
The second card information and the transaction special are encrypted together to generate transaction information, the transaction information is transmitted to the bank server by the smart communication terminal,
Wherein the master key is determined by the bank server in correspondence with the identification information of the financial card reading terminal and is provided to the financial card reading terminal before the transaction between the smart communication terminal and the bank server is started, Wherein the financial settlement processing method comprises the steps of: (a) receiving a financial settlement service request for a financial settlement service using a smart communication terminal; delete The method according to claim 1,
Wherein the transaction information transmitted to the bank server is decrypted by the bank server, and based on a result of the matching of the second card information and the working key generated by the bank server among the decrypted transaction information, Wherein the financial card reading terminal is authenticated to the financial card reading terminal of the financial card reading terminal for the financial settlement service using the smart communication terminal. The method according to claim 1,
When the smart communication terminal is opened for the financial settlement service, identification information of the financial card reading terminal and user private information of the smart communication terminal are transmitted to the VAN server,
Characterized in that the financial card reading terminal is authenticated to the VAN server through matching of the identification information of the financial card reading terminal stored in the VAN company server with the identification information of the received financial card reading terminal, A method of financial settlement processing of a financial card reading terminal for a financial settlement service using a terminal. In a financial settlement processing method of a smart communication terminal,
Creating an encryption session for a transaction request to a bank server;
From the bank server, an encrypted working key generated using the master key corresponding to the financial card reading terminal randomly generated by the bank server and connected to the smart communication terminal when the transaction request is made through the encryption session To the financial card reading terminal;
Receiving encrypted second card information from the financial card reading terminal using the working key;
Encrypting the transaction information including the transaction information generated based on the transaction content input from the user of the smart communication terminal and the second card information; And
And transmitting the encrypted transaction information to the bank server,
The financial key reading terminal decrypts the received working key using a master key built in the financial card reading terminal,
The first card information generated by encrypting the card number obtained by reading the financial card and the password input from the financial card user by the financial card reading terminal again using the decrypted walking key, Information is generated,
Wherein the master key is determined by the bank server in correspondence with the identification information of the financial card reading terminal and is provided to the financial card reading terminal before the transaction between the smart communication terminal and the bank server is started, And the access is not allowed to the financial card reading terminal. 6. The method of claim 5,
The financial settlement processing method of the smart communication terminal may further include a step of requesting and receiving a public key from the bank server,
Wherein the step of encrypting the transaction information comprises encrypting the transaction information using a public key received from the bank server. 6. The method of claim 5,
Wherein the step of generating the encryption session comprises the step of acquiring identification information from the financial card reading terminal and transmitting the identification information to the bank server. 6. The method according to claim 5,
Transmitting identification information of the financial card reading terminal and user private information of the smart communication terminal to the VAN server when the smart communication terminal downloads and installs the financial settlement application and then opens; And
Based on the authentication result of the financial card reading terminal for the VAN company by matching the identification information of the reading terminal stored in the server of the VAN server with the identification information of the received financial card reading terminal, Receiving VAN's merchant management information of the communication terminal,
Wherein the management information of the VAN company of the smart communication terminal is transmitted to the bank server by the server of the VAN company. delete A method of providing a financial settlement service of a bank server includes:
Receiving a transaction request from a smart communication terminal connected to a financial card reading terminal through an encryption session between the smart communication terminal and the bank server;
Randomly generating a working key corresponding to the identification information of the financial card reading terminal received from the smart communication terminal when the transaction request is made;
Encrypting the generated working key using the master key for the financial card reading terminal and transmitting the encryption key to the smart communication terminal;
Generating a working key for the financial card reading terminal and transmitting the working key to the smart communication terminal;
Receiving encrypted transaction information from the smart communication terminal and decrypting the encrypted transaction information;
Decoding the second card information among the decrypted transaction information using the working key to restore the first card information; And
Processing the transaction request from the smart communication terminal based on the transaction information and the first card information among the decrypted transaction information,
Wherein the master key is initially determined and stored by the bank server in correspondence with the identification information of the financial card reading terminal before the start transaction between the smart communication terminal and the bank server and transmitted to the financial card reading terminal, Wherein the smart communication terminal is not allowed to access the smart communication terminal, and the smart communication terminal is not allowed to access the smart communication terminal. delete The method as claimed in claim 10, wherein the step of receiving and decoding the encrypted transaction information comprises:
Decrypting the second card information among the decrypted transaction information and the working key generated by the bank server,
Comparing the decrypted working key with a working key generated by the bank server; And
And authenticating the financial card reading terminal based on the comparison result. The method as claimed in claim 1, wherein the financial card reading terminal is a smart card reader. 11. The method of claim 10,
Identification information of the financial card reading terminal and user private information of the smart communication terminal are transmitted from the smart communication terminal to the VAN server when the smart communication terminal is opened for the financial settlement service,
Based on an authentication result of the financial card reading terminal for the VAN server through matching of the identification information of the reading terminal stored in the VAN company server and the identification information of the financial card reading terminal received from the smart communication terminal, And receiving VAN company's merchant management information from the VAN server from the smart communication terminal using the smart communication terminal and the financial card reading terminal. 11. The method of claim 10,
The financial settlement service providing method may further include transmitting a public key to the smart communication terminal,
Wherein the step of receiving and decrypting the encrypted transaction information comprises the step of decrypting the received transaction information using the private key corresponding to the public key, A method of providing a financial settlement service using a read terminal. The method according to claim 10, wherein the financial settlement processing method of the smart communication terminal comprises:
Further comprising the step of receiving a transaction request of a user of the smart communication terminal through a financial settlement application provided from the bank server and installed in the smart communication terminal, A method for providing a financial settlement service using the method. A financial card reading terminal comprising:
A card reading unit for reading a financial card;
A user interface unit;
A communication terminal communication unit for exchanging data with a smart communication terminal connected to the financial card reading terminal;
A master key storage unit for receiving and storing a master key determined by the bank server in correspondence with the identification information of the financial card reading terminal before the start transaction between the smart communication terminal and the bank server;
Generating first card information for generating first card information by encrypting card information including the card number of the financial card obtained through the reading unit and the password of the financial card inputted by the financial card user through the user interface unit part; And
The smart card is connected to the financial card reading terminal through the smart communication terminal, and when the bank server receives a transaction request from the smart communication terminal, From the bank server, decrypts the received working key using the master key, encrypts the first card information using the decrypted working key to generate second card information, And a second card information generator for transmitting the second card information to the smart communication terminal,
The second card information and the transaction special are encrypted together to generate transaction information, the transaction information is transmitted to the bank server by the smart communication terminal,
Wherein the master key is not allowed to be accessed by the smart communication terminal. delete A smart communication terminal comprising:
A user interface unit;
A reading terminal communication unit for transmitting and receiving data to and from a financial card reading terminal connected to the smart communication terminal;
A bank server communication unit for generating an encryption session for a transaction request to a bank server and transmitting and receiving encrypted transaction related information to the bank server; And
And a terminal transaction processing unit for generating and encrypting a transaction text based on a transaction content input from the user of the smart communication terminal through the user interface unit,
Wherein the terminal transaction processing unit receives from the bank server an operation key randomly generated by the bank server when the transaction request is made via the bank server communication unit and encrypted using the master key corresponding to the financial card reading terminal And transmits the received working key to the financial card reading terminal via the reading terminal communication unit and receives the second card information encrypted by the financial card reading terminal via the reading terminal communication unit using the working key And transmits the transaction information including the transaction special information and the second card information through the bank server communication unit,
The financial key reading terminal decrypts the received working key using a master key built in the financial card reading terminal,
The first card information generated by encrypting the card number obtained by reading the financial card and the password input from the financial card user by the financial card reading terminal again using the decrypted walking key, Information is generated,
Wherein the master key is determined by the bank server in correspondence with the identification information of the financial card reading terminal and is provided to the financial card reading terminal before the transaction between the smart communication terminal and the bank server is started, Wherein the financial settlement service is provided using the financial card reading terminal. 19. The smart communication terminal of claim 18,
Further comprising a financial settlement application driver for receiving and processing a transaction request of the smart communication terminal user through a financial settlement application provided from the bank server. Smart communication terminal provided. A bank server providing financial settlement service,
A master key storage unit for storing a master key determined by the bank server in correspondence with the identification information of the financial card reading terminal before a start transaction between the smart communication terminal connected to the financial card reading terminal and the bank server;
A communication terminal communication unit for receiving a transaction request from the smart communication terminal through an encryption session and transmitting and receiving transaction related information; And
When the transaction request is received, randomly generating a working key corresponding to the financial card reading terminal based on the identification information of the financial card reading terminal received from the smart communication terminal communication unit, The smart communication terminal generates the working key using the master key, transmits the created working key through the smart communication terminal communication unit, decrypts the encrypted transaction information received through the smart communication terminal, and transmits the second card information of the decrypted transaction information And decrypts the first card information by using the working key to process a transaction request from the smart communication terminal based on the transaction information and the first card information among the decrypted transaction information, The smart communication terminal according to claim 1, It characterized in that the muscle does not allow smart card terminal and banking financial payment services to the bank server using a reading device.
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