KR101463451B1 - System for Processing Transaction by using Token Code - Google Patents

System for Processing Transaction by using Token Code Download PDF

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Publication number
KR101463451B1
KR101463451B1 KR1020050074605A KR20050074605A KR101463451B1 KR 101463451 B1 KR101463451 B1 KR 101463451B1 KR 1020050074605 A KR1020050074605 A KR 1020050074605A KR 20050074605 A KR20050074605 A KR 20050074605A KR 101463451 B1 KR101463451 B1 KR 101463451B1
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KR
South Korea
Prior art keywords
information
token
wireless terminal
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financial transaction
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KR1020050074605A
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Korean (ko)
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KR20070016893A (en
Inventor
김재형
홍종철
권봉기
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주식회사 비즈모델라인
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Priority to KR20050071512 priority
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Publication of KR20070016893A publication Critical patent/KR20070016893A/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
    • 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/07Indexing scheme relating to G06F21/10, protecting distributed programs or content
    • G06F2221/0702Binding
    • G06F2221/0711Token
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12Messaging; Mailboxes; Announcements

Abstract

The present invention relates to a transaction processing system using a token code, the system comprising: a transaction processing system using a token code implemented in a server communicating with a customer's wireless terminal having a program for displaying a disposable token code, For storing the wireless terminal information for identifying the wireless terminal equipped with the authenticated program and the customer specific information using the authenticated program based on the result of authenticating the validity of the program mounted on the wireless terminal of the customer for display, A receiving unit that is dynamically generated through a designated program code and receives a disposable token code displayed through an authenticated program of a wireless terminal corresponding to the wireless terminal information upon a financial transaction request through the wireless terminal or the payment request terminal, Based on the result of validating the validity of the code, It is associated with and a part that handles financial transactions to be performed using a financial account information or information card of the customer's own stored in the specified storage medium for processing a financial transaction request procedure.
Wireless, financial transaction, payment, bill, disposable, password

Description

[0001] The present invention relates to a transaction processing system using a token code,

1 is a diagram illustrating a financial transaction processing system according to an embodiment of the present invention.

2 is a diagram illustrating token agent information to be provided to a wireless terminal according to an embodiment of the present invention.

FIG. 3 illustrates an embodiment of a method for installing a token agent in a customer wireless terminal according to an embodiment of the present invention. Referring to FIG.

FIGS. 4A, 4B, and 4C are views illustrating the configuration of information stored in the storage medium according to an embodiment of the present invention.

5 is a diagram illustrating a functional configuration of a wireless terminal equipped with a token agent according to an embodiment of the present invention.

6 is a diagram illustrating a token code structure according to an embodiment of the present invention.

7A and 7B are diagrams illustrating a token code operation process according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a financial transaction processing process according to an embodiment of the present invention.

9A and 9B are diagrams illustrating a financial transaction process according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a financial transaction processing process according to another embodiment of the present invention.

11 is a diagram illustrating a financial transaction process according to another embodiment of the present invention.

12 is a diagram illustrating token agent information to be provided to a wireless terminal according to another embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a token code operation process according to an embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

100: Token agent providing server 105: Agent providing service

120: storage unit 125: storage medium

130: financial transaction server 135: financial transaction department

140: Information transfer unit 145: Interface unit

150: Receiving unit 155:

160: authentication unit 500: customer wireless terminal

575: Communication processor 580:

585: Financial Transaction Department 190a:

590b: input unit 590c:

590d:

A transaction processing system using a token code implemented in a server communicating with a wireless terminal of a customer having a program for displaying a disposable token code, the system comprising: A storage unit for storing wireless terminal information for identifying a wireless terminal equipped with the authenticated program and customer specific information using the authenticated program based on a result of the authentication of the wireless terminal or the payment request terminal, A receiving unit for receiving a disposable token code dynamically generated through a designated program code and displayed through an authenticated program of a wireless terminal corresponding to the wireless terminal information when a transaction is requested and a result of authenticating the validity of the token code, The customer information stored in the storage medium in association with the unique information Using token code comprising a financial transaction processing to be performed, the process to handle the requested financial transaction using a financial account information or information related to the card transaction processing system.

Conventionally, a predetermined customer wireless terminal authenticates the validity of the financial transaction (such as payment and / or bill delivery) at the time of a predetermined financial transaction (payment and / or bills payment) in connection with the connected financial transaction means A procedure for inputting a predetermined password for a financial transaction has been performed.

However, due to the characteristics of the information communication technology, the password for the financial transaction transmitted through the network includes a problem of hacking and / or theft and / or loss and / or abuse, thereby enabling a safer and more reliable financial transaction There is a need for a financial transaction safeguard that is hacked and / or stolen and / or not lost, hacked and / or stolen and / or misused even if lost and / or lost for payment (payment and / or bill payment)

An object of the present invention is to provide a transaction processing system using a token code implemented in a server communicating with a customer's wireless terminal having a program for displaying a disposable token code, A storage unit for storing wireless terminal information for identifying a wireless terminal equipped with the authenticated program and customer specific information using the authenticated program based on a result of authenticating the validity of the program, A receiving unit for receiving a disposable token code dynamically generated through a designated program code and displayed through an authenticated program of a wireless terminal corresponding to the wireless terminal information, In association with the unique information, Is a financial transaction unit comprising transaction processing system using a token code to handle that the handles of the requested financial transaction procedure using a financial account information or information of the card reserved to be performed to provide.

A transaction processing system using a token code according to the present invention is a transaction processing system using a token code implemented in a server communicating with a customer's wireless terminal having a program for displaying a disposable token code, A storage unit for storing wireless terminal information for identifying a wireless terminal equipped with the authenticated program and customer specific information using the authenticated program based on a result of authenticating the validity of a program installed in the wireless terminal of the customer, A receiving unit for receiving a disposable token code dynamically generated through a designated program code and displayed through an authenticated program of a wireless terminal corresponding to the wireless terminal information upon a financial transaction request through a wireless terminal or a payment request terminal, Based on the result of authenticating the validity, Specified is characterized in that it comprises a storage medium unit for processing financial transactions to be performed is stored in the procedure for processing the requested financial transaction using a financial account information, or card information of the customer in possession.

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In the transaction processing system using the token code of the present invention, the customer specific information includes relationship information for establishing a relationship between the customer and the program.

In the transaction processing system using the token code of the present invention, the storage unit may process the customer's financial account information or card information to be stored in a designated storage medium.

In the transaction processing system using the token code of the present invention, the token code is dynamically generated through the program code included in the wireless terminal, or dynamically generated through the program code included in the program of the wireless terminal, or And is dynamically generated through a server capable of communicating with the program of the wireless terminal and received by the wireless terminal.

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The transaction processing system using the token code according to the present invention may further comprise an authentication unit for processing the received token code so that the validity of the received token code is authenticated.

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The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the book.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. If a person skilled in the art is familiar with the present invention, it will be possible to easily understand the functions of the components which have been used in the past among the functional configurations not shown in the following, The relationship between the components and the components added for the present invention will also be clearly understood.

In order to more effectively describe the technical elements constituting the present invention, a preferred embodiment of the present invention will be described below with reference to a typical functional configuration of a financial transaction processing apparatus and a financial transaction server, The present invention is not limited to the above-described embodiments, but may be embodied externally in cooperation with the token agent providing server and the financial transaction server.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a financial transaction processing system according to an embodiment of the present invention.

1 is a block diagram showing a configuration of a customer terminal 500 according to an embodiment of the present invention. Referring to FIG. 1, a predetermined customer transaction terminal 500 transmits a predetermined token code And a financial transaction processing system that processes financial transactions (payment and / or bill delivery, etc.).

1, which is a preferred embodiment of the present invention, the financial transaction processing system includes a predetermined token agent for processing a predetermined financial transaction (such as settlement and / or bill delivery) in connection with a predetermined financial transaction means A token agent providing server 100 for providing and installing a predetermined token agent in the customer wireless terminal 500 and a token agent 500 installed in the customer wireless terminal 500, (Or card) information and the customer-specific information for processing financial transaction (settlement and / or bill delivery, etc.) based on the generated predetermined token code information And storing the customer information including at least one customer information and the predetermined token agent information for the token agent provided in the wireless terminal in association with each other. A financial transaction server 130 for processing a predetermined financial transaction (settlement and / or bill payment, etc.) in cooperation with the customer wireless terminal 500 based on the information stored in the storage medium 125, .

In addition, the financial transaction processing system may further include at least one payment request terminal 171 and / or a payment request server for providing predetermined payment information to the financial transaction server 130, The payment request terminal 171 and / or the payment request server provide predetermined payment information to the financial transaction server 130 via the predetermined network 170 and / or the communication means 170.

According to the method of the present invention, the payment request terminal 171 preferably includes a wired terminal including a personal computer used by a CAT (Credit Authorization Terminal) and / or an administrator of an online store And the payment request server 171 includes an e-commerce web server (e.g., an Internet shopping mall server) having an online store.

In addition, the financial transaction processing system may further include at least one bills issue server 172 for providing the bills payment information to the financial transaction server 130, and the bills issue server 172 provides predetermined bill payment information to the financial transaction server 130 via a predetermined network 170 and / or communication means 170. [

In addition, the financial transaction processing system is preferably interlocked with a predetermined financial system 175 that processes financial transactions (settlement and / or bill payment, etc.) in cooperation with the financial transaction server 130, 175 are preferably provided in a predetermined financial institution.

According to an embodiment of the present invention, the financial system 175 may include a financial system 175 in which the customer's financial account (or financial product) is opened and operated, such as a credit or receipt, An information system module 190 for processing the headquarters duties, supporting dealer information, and managing customer relationship, and an information system module 190 for managing the financial system 175, home, business, An extrinsic module 180 for connecting to an external computer network and providing various electronic financial services (e.g., Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), another bank, call center, financial settlement) For inter-module interfaces corresponding to middleware that provides interfaces between components in the financial system 175 and components in the financial system 175, And a DBMS (Data Base Management System) 195 for storing and managing predetermined required information (for example, customer-owned financial account (or financial product) or customer ledger information or management information) (Not shown), an investment banking module (not shown), an international banking module (not shown), a banking module (not shown) It is possible to include at least one or more components such as a plurality of components.

According to an embodiment of the present invention, the token agent providing server 100 may be provided on the network corresponding to the customer owned financial account (or the financial institution corresponding to the card and / or the network linked to the financial institution, (E.g., a mobile communication company) and / or a proxy agency on the network, and the present invention is not limited thereto.

In addition, the token agent providing server 100 may be included in one server system, or two server systems, as shown in FIG. 1 according to the intention of a person skilled in the art, The present invention is not limited thereto.

The customer wireless terminal 500 may be a Personal Communication System (PCS) and / or a Global System for Mobile Communications (GSM) terminal and / or a Personal Digital Cellular (PDC) A Handyphone System terminal and / or a Personal Digital Assistant (PDA) and / or smart phone and / or telematics and / or a wireless data communication terminal and / The client wireless terminal 500 is provided with a predetermined platform (e.g., operating system) for loading and operating the token agent provided by the token agent providing server 100 .

According to an embodiment of the present invention, the customer wireless terminal 500 preferably performs the function of a token terminal that generates a predetermined token code by the token agent, and the predetermined token code To the customer wireless terminal (500).

For the sake of an efficient explanation of the present invention, the customer wireless terminal 500 on which the token agent is installed will be described using a wireless terminal connected to a predetermined mobile communication network. However, The technical scope is not limited. That is, in the present invention, it is clear that the customer wireless terminal 500 may include all kinds of wireless terminals in which the token agent is installed in a software manner.

Referring to FIG. 1, the token agent providing server 100 includes a database 110 storing at least one token agent corresponding to at least one platform of the customer wireless terminal 500, a predetermined token agent (105) for providing the token agent information to the customer wireless terminal (500) and storing the token agent information and the wireless terminal information in a predetermined storage medium (125) (120).

According to a preferred embodiment of the present invention, the token agent providing server 100 includes a diagnosis unit 115 for diagnosing the validity of the token agent loaded in the customer wireless terminal 500 by the agent providing unit 105, And the like.

The database 110 stores at least one token agent capable of operating in correspondence with a platform of a predetermined customer wireless terminal 500. As a result, ≪ / RTI > and / or billing, etc.).

The agent providing unit 105 confirms the wireless terminal platform of the financial transaction customer based on the information of the customer wireless terminal 500 and provides a predetermined token agent program corresponding to the platform to the wireless terminal, .

According to an embodiment of the present invention, when the wireless terminal is a wireless terminal accessing a mobile communication network, the agent providing unit 105 transmits a subscriber D / B (for example, a home location register HLR) or a Visitor Location Register (VLR) (not shown) to identify the wireless terminal platform.

According to another embodiment of the present invention, when the customer wireless terminal 500 is a wired terminal used by a plurality of users, the agent providing unit 105 can provide a disposable token agent.

According to the present invention, when the financial transaction customer processes a predetermined financial transaction (such as payment and / or bill delivery) in conjunction with a predetermined financial transaction means, A predetermined token code for ensuring Confidentiality, Authentication, Integrity and Nonrepudiation for processing financial transactions (settlement and / or bill delivery) , The token code is preferably changed continuously at predetermined time intervals.

According to an embodiment of the present invention, in order to satisfy the token code attribute, the token agent uses the time (or time) at which the token code is generated as the first generation information, It is preferable to generate a predetermined token code using the predetermined secret key value assigned by the mobile terminal as the second generation information, and generate the mobile terminal information (e.g., MIN (Mobile Identification Number) and / or ESN Electronic Serial Number) may be further included as the third generation information.

According to another embodiment of the present invention, the token agent uses the time (or time) at which the token code is generated as the first generation information, generates the predetermined token code using the wireless terminal information as the second generation information And may further include a predetermined secret key value assigned by the token agent providing server 100 according to an embodiment of the present invention as third generation information.

According to the token code generation attribute of the token agent as described above, the token codes generated at a plurality of token agents at a specific time are not duplicated, and the generated token codes are also used and volatilized once in a time.

According to the present invention, the agent providing unit 105 and the database 110 function as a token agent providing unit for providing a predetermined token agent to a predetermined financial transaction customer wireless terminal 500.

After storing a predetermined token agent in the customer wireless terminal 500 by the agent providing unit 105 and storing the information, the storage unit 120 stores the information of the customer wireless terminal 500, And stores the token agent information in a predetermined storage medium 125 in association with each other.

According to an embodiment of the present invention, in the process of storing the wireless terminal information and the token agent information in a predetermined storage medium 125 in association with the storing unit 120, It is preferable to further store the customer-owned financial account (or card) information and the customer-specific information.

As described above, the storage unit 120 associates the wireless terminal information with the token agent information loaded in the wireless terminal and stores the information in the storage medium 125, so that the financial transaction customer can perform a predetermined financial transaction The financial transaction server 130 refers to the token agent information associated with the wireless terminal information to generate a predetermined token authentication code for authenticating the token code generated by the token agent Thereby validating the validity of the token code.

According to the present invention, the storage unit 120 and the storage medium 125 store customer information including the customer's wireless terminal 500 information, the customer-owned financial account (or card) information, and the customer- And a predetermined token agent information for the token agent included in the wireless terminal and stores the information in a predetermined storage medium 125. [

Referring to FIG. 1, the financial transaction server 130 includes an interface unit 145 for processing predetermined data transmission / reception in cooperation with a customer wireless terminal 500 connected to perform a predetermined financial transaction, (Including payment request and / or bill payment request information including predetermined callback information for accessing the financial transaction server 130 to the customer wireless terminal 500 through the controller 145 (Payment request information) including predetermined connection information for accessing the financial transaction server 130 to the customer wireless terminal 500, and / or transmitting predetermined financial transaction request information (Billing and / or billing request information) from the customer wireless terminal 500 through the interface unit 145. The information transmission unit 140 transmits the billing request information and / And a predetermined token code for generating a predetermined token authentication code corresponding to the token code from the storage medium 125. The extraction unit 150 extracts a predetermined token authentication code corresponding to the token code from the storage medium 125, And a predetermined token code generated using the token agent provided in the wireless terminal from the customer wireless terminal 500 through the interface unit 145. The storage medium 125 (Customer information including at least one of the customer's wireless terminal 500 information, the customer-owned financial account (or card) information, and the customer's unique information) in association with the customer information An authentication unit 160 for confirming the associated token agent information and authenticating the validity of the token code provided by the wireless terminal using the confirmed token agent information, When the validity of the authentication code is greater, including a financial transaction financial transaction 135 for processing (payment and / or bill payments, etc.) characterized by comprising.

The interface unit 145 transmits predetermined financial transaction request information (payment request information) including predetermined callback information for accessing the financial transaction server 130 to the customer wireless terminal 500 through a predetermined wireless network 165, And / or a communication channel for transmitting a text message to the customer wireless terminal 500, and / or a predetermined connection information for accessing the financial transaction server 130 (Payment transaction request information including payment request and / or bill payment request information) including a predetermined financial transaction request information (payment transaction and / or bill payment request information) Or payment of a bill, etc.) to a communication channel that receives a predetermined token code.

According to an embodiment of the present invention, the interface unit 145 transmits predetermined financial transaction request information (financial transaction request information including payment request and / or bill payment request information) text message to the customer wireless terminal 500 Or a predetermined transaction request information for connection to the financial transaction server 130 to the customer wireless terminal 500 (payment transaction request information including payment transaction request information (Such as billing and / or bill delivery) from the customer wireless terminal 500, and / or a wireless Internet-based communication channel that transmits a request for payment and / Based communication channel that receives a predetermined token code for the wireless Internet based communication channel.

According to the embodiment of the present invention, the interface unit 145 preferably provides predetermined financial transaction information (payment information and / or bill payment information, etc.) corresponding to the financial transaction request information to the wireless terminal, And / or a token code input (or provision) page is provided to the wireless terminal and / or a token code input (or provision) page is provided to the wireless terminal, and / And further comprises a predetermined password (or code) input window (or area) for driving the agent.

Also, the interface unit 145 may include a predetermined password (or code) input window (or area) or a password (or code) input page for driving the token agent provided in the wireless terminal to generate the token code, (Callback merchant) page, a predetermined payment content confirmation page, and a predetermined credit card password input (callback URL) page corresponding to the customer financial account And a page providing the financial transaction processing completion information (or financial transaction result detail information) to the wireless terminal.

The information transferring unit 140 transfers the financial transaction request signal from the customer wireless terminal 500 to the payment request terminal 171 and / (For example, from the payment request terminal 171 and / or the payment request server 171) to the financial transaction unit 135 from the payment request server 171 (For example, from the billing server 172 to the financial transaction unit 135), and / or when a notice of payment to the customer is requested from the billing server 172 A predetermined financial transaction request message including predetermined callback information for accessing the financial transaction server 130 to the customer wireless terminal 500 through the interface unit 145, (E.g., financial transaction request information including payment request and / or bill payment request information) and / or predetermined connection information for accessing the financial transaction server 130 to the customer wireless terminal 500 (Financial transaction request information including payment request and / or bill payment request information) including the payment transaction request information.

According to the method of the present invention, the financial transaction request information (financial transaction request information including payment request and / or bill payment request information) includes predetermined financial transaction information (payment information and / or bill payment information, etc.) .

According to the present invention, the interface unit 145 and the information transmission unit 140 interoperate with each other so that the customer's wireless terminal 500 can receive a predetermined financial transaction including predetermined call- And transmits the text message to the customer wireless terminal 500. In addition, the user terminal 500 performs the function of the information transmission means for transmitting the request information (the financial transaction request information including the payment request and / or the bill payment request information) (Financial transaction request information including payment request and / or bill payment request information) including the request information and the payment request information.

The receiving unit 150 receives a predetermined token code generated by the token agent from the customer wireless terminal 500 through the interface unit 145. In the process of receiving the token code, It is preferable to further receive (e.g., receive as the sender information) the wireless terminal information of the financial transaction customer on which the token agent is installed.

The extraction unit 155 extracts the customer wireless terminal 500 information (or the customer-owned financial account (or card) information, the customer-owned financial account information Or the customer specific information) and provides the extracted token agent information to the authentication unit 160, and / or extracts predetermined token agent information from the storage medium 125 based on the wireless terminal information, (Or card) information associated with the terminal 500 information and provides the selected customer-owned financial account (or card) information to the financial transaction unit 135.

The authentication unit 160 generates a predetermined token authentication code based on the token agent information extracted by the extraction unit 155. The generated token authentication code is transmitted to the client wireless terminal 500, (Billing and / or bill delivery) processing for the amount of financial transaction (such as payment and / or bill delivery) sent together with the received token code by comparing the received token code from the token code do.

According to a preferred embodiment of the present invention, the authentication unit 160 includes a token generation algorithm (for example, a hashing algorithm for generating an unpredictable random code) identical to the token agent installed in the customer wireless terminal 500 And generates the token authentication code through token generation information that is the same as the token generation information used by the token agent installed in the customer wireless terminal 500 to generate the token code through the extracted token agent information, It is desirable to authenticate the validity of the received token code. The token generation algorithm is selected by a predetermined algorithm among a plurality of algorithms according to the intention of a person skilled in the art, and thus the technical idea of the present invention is not limited thereto.

If the token code and the token authentication code do not match even though a valid token agent is loaded on the customer wireless terminal 500 and a valid token code is received by the token agent, the token used to generate the token authentication code And the different token generation information between the token agent installed in the customer wireless terminal 500 and the authentication unit 160 may be time (or time) information. In order to solve this problem, the financial transaction server 130 appropriately adjusts the token update period of the token agent information stored in the storage medium 125.

The financial transaction unit 135 compares the token authentication code generated based on the token code received via the receiver 150 with the token authentication code by the authentication unit 160, (Such as billing and / or bill delivery) is approved, the predetermined financial transaction information (from the predetermined payment request terminal 171 and / or the payment request server 171) (Or card) information of the financial transaction customer owned by the financial transaction customer, extracted by the extracting unit 155 based on the provided payment information and / or the bill payment information provided from the bill issuance server 172, (Such as settlement and / or bill delivery) by interworking with the financial system 175.

According to one embodiment of the present invention, when the financial transaction (such as settlement and / or bill delivery) is processed through the financial system 175, the financial transaction unit 135 may perform the financial transaction (Billing and / or bill delivery) information corresponding to the customer's financial account (card or payment form, etc.), and then transmits the financial transaction information (payment and / ) Information and / or the wireless terminal information and / or financial transaction customer information in the storage medium 125.

The financial transaction unit 135 may associate with the customer financial account (or card) associated with the token agent information in association with the storage medium 125 (or the storage medium 125 operating means) It is preferable to confirm the information, and it is possible to input a predetermined account password (callback log) page, a predetermined payment confirmation page, a predetermined security card password input (callback URL) page corresponding to the customer financial account, It is preferable that at least one page providing transaction processing completion information (or financial transaction processing result detail information) is provided to the wireless terminal.

According to the present invention, the financial transaction unit 135, the receiving unit 150, the extracting unit 155, the authentication unit 160, and the financial system 175 interoperate with each other so that the storage medium 125 (Customer information including at least one of the customer's own financial account (or card) information and the customer-specific information) of the customer information (customer wireless terminal 500 information), the token And transmits the token code validation result to the customer wireless terminal (500) in accordance with the token code validity authentication result, As a financial transaction means.

In order to efficiently describe the technical features of the present invention, embodiments of the present invention will be described on the basis of a time-synchronous method of generating and authenticating the token codes, The Challenge-Response method will be described later.

FIG. 2 is a diagram illustrating token agent information to be provided to a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates attribute information for a predetermined token agent for each platform corresponding to a wireless terminal platform on which the token agent is mounted, wherein the token agent information includes a token agent corresponding to each platform, A version of the agent, a token generation algorithm, at least one token generation information, and a token update period. However, the at least one information item may be further included according to the intention of a person skilled in the art, .

The token agent includes program codes that can be operated and / or operated on the corresponding wireless terminal platform because the token agent operates in the wireless terminal. For example, if the wireless terminal is equipped with a wireless Internet platform for interoperability (WIPI) platform, the token agent may include program code that operates on a WIPI basis, and may include other platforms (e.g., GVM / SK-VM / BREW ) Is included, program code that runs on the platform is included.

The version of the token agent information includes the latest version information of the token agent for each platform to be provided to the wireless terminal, whereby the token agent for each platform generates different token codes It is possible to cope with this.

The token generation algorithm of the token agent information includes the hashing algorithm information applied to the token agent program and / or the detailed attribute information of the hashing algorithm. At present, most commonly used hashing algorithms for generating tokens are MD4, MD5, SHA, and the like, and a hashing algorithm (for example, a SHA-1 hashing algorithm modified from SHA) .

According to an embodiment of the present invention, a method of generating a predetermined token code in the token agent and / or a method of transmitting the token code to the financial transaction server 130 to authenticate the time- And a Challenge-Response scheme that provides a predetermined token code generation value in real time, and generates at least one token generation information in order to generate a predetermined token code corresponding to the scheme Is required.

The token generation information of the token agent information includes the time (or time) at which the token code is generated as the first generation information, and the number generated randomly in the token agent providing server 100 Or real number) and / or MIN / ESN second generation information and / or third generation information uniquely assigned to the wireless terminal on which the token agent is installed.

Referring to FIG. 2 according to a preferred embodiment of the present invention, when the MIN / ESN of the wireless terminal is used as the token generation information for generating the predetermined token code, the MIN / The MIN / ESN has an excessively large value to prevent the token agent from overflowing in the process of generating the token code, the MIN / ESN may be provided with a predetermined hash function To be converted into a number within a predetermined size, and it is determined according to the intention of the person skilled in the art and / or the computing ability of the wireless platform.

Wherein the token update period of the token agent information is a time interval during which the predetermined token code generated by the token agent is volatilized and invalidated when the token generation algorithm complies with a time synchronization scheme, To the financial transaction server 130, it is difficult to transfer the time (or time) information at which the token code was generated together with the token code, the token between the wireless terminal and the financial transaction server 130 And is used to synchronize generation time (or time) information for the previous time. That is, the token code generated by the token agent is transmitted to the predetermined financial transaction server 130 within the token update period, and a predetermined token authentication code corresponding to the token code is generated in the financial transaction server 130 . That is, if a predetermined token code is generated in the token agent provided in the wireless terminal, and then the predetermined amount of token authentication code is generated in the torque update period in the financial transaction server 130, Authenticated. Therefore, the token update period is a time required to transmit the token code generated in the wireless terminal to the financial transaction server 130 and a time required to generate a predetermined token authentication code in the financial transaction server 130 And the like.

According to another embodiment of the present invention, the token generation algorithm follows a time synchronization method and it is easy to transmit the time (or time) information at which the token code is generated in the token agent to the financial transaction server 130 , And / or if the token generation algorithm follows a challenge-response scheme, the token update period may be omitted, or may be set at a very short time interval.

FIG. 3 illustrates an embodiment of a method for installing a token agent in a customer wireless terminal 500 according to an embodiment of the present invention.

FIG. 3 illustrates a process of loading a token agent for processing a financial transaction (such as payment and / or bill delivery) to a predetermined customer wireless terminal 500, Those skilled in the art will readily be able to deduce various implementations of mounting a given token agent on the customer wireless terminal 500 in addition to the implementation shown below with reference to Figure 3, It is to be understood that the present invention is by no means restricted.

Referring to FIG. 3, a predetermined wireless terminal information (information of the customer wireless terminal 500) to be installed in the token agent for processing the financial transaction (settlement and / or bill payment, etc.) And customer information including at least one of the customer-owned financial account (or card) information and the customer-specific information (300).

According to an embodiment of the present invention, the process 300 may include accessing the token agent providing server 100 through the predetermined customer wireless terminal 500 and transmitting the information of the customer wireless terminal 500, And providing customer information including at least one or more of the proprietary financial account (or card) information and the customer specific information.

According to another embodiment of the present invention, the process 300 may be performed by the customer through the token agent providing server 100 through a predetermined wired terminal (e.g., a personal computer connectable to the token agent providing server 100) And providing customer information including at least one of the customer's wireless terminal 500 information, the customer's own financial account (or card) information, and the customer's unique information.

According to another embodiment of the present invention, the information of the customer wireless terminal 500 stored in a financial institution (or a card issuing organization) corresponding to the customer-owned financial account (or card) information and the customer- Card information) and the customer-specific information to the token agent providing server 100. The token-

After the customer information including at least one of the customer's wireless terminal 500 information, the customer's own financial account (or card) information, and the customer's unique information is provided as described above, the token agent providing server 100 transmits (E.g., retrieving the wireless terminal information stored in the storage medium 125) by reading the customer information including the customer wireless terminal 500 information, the customer-owned financial account (or card) information, and the customer- (305) whether the predetermined token agent is provided to the customer wireless terminal (500).

According to an embodiment of the present invention, when a valid token agent is installed in the customer wireless terminal 500, the token agent providing server 100 does not need to mount the token agent in the wireless terminal, It is preferable that the token agent is provided and loaded when the terminal does not have a token agent for processing financial transactions (settlement and / or bill delivery).

If the predetermined token agent is to be provided to the customer wireless terminal 500, the token agent providing server 100 reads the wireless terminal information of the financial transaction customer and provides the wireless terminal information to the customer wireless terminal 500 The token agent is identified (315).

According to one embodiment of the present invention, when the wireless terminal information is connected to the mobile communication network, the token agent providing server 100 transmits a subscriber D / B (for example, a home location register or a visited location register To identify the token agent to be provided to the customer wireless terminal 500 by checking the wireless terminal platform. Alternatively, in order to process the present token agent providing process regardless of the mobile communication company according to the method, the mobile terminal further includes the platform information (or the model information of the mobile terminal) of the mobile terminal in the process of receiving the mobile terminal information It is also possible.

When the token agent to be provided to the customer wireless terminal 500 is identified as described above, the token agent providing server 100 extracts the confirmed token agent program from the database 110 or compiles (e.g., Randomly generating a private key value for generation and compiling the randomly generated secret key value in the token agent source code to dynamically generate the randomly generated secret key value, and / or requesting the token agent to generate a predetermined token code (E.g., extracting the wireless terminal information) or dynamically generating (e.g., randomly generating the secret key value and / or random terminal key information) (320).

When the token agent program and token generation information are prepared as described above, the token agent providing server 100 provides the token agent to the customer wireless terminal 500 and mounts the token agent.

According to an embodiment of the present invention, the token agent providing server 100 transmits a predetermined wireless message including a predetermined callback URL for providing the token agent to the customer wireless terminal 500 And when the wireless terminal accesses the token agent providing server 100 through the callback transaction, the token agent is provided to the wireless terminal and is mounted.

According to another embodiment of the present invention, the token agent providing server 100 may transmit the token to the customer via the other type of wireless software loading method that does not use the callback URL, by the intention of the person skilled in the art and / It is possible to provide and install the token agent in the wireless terminal 500, and thus the present invention is not limited thereto.

After the token agent is mounted as described above, the customer wireless terminal 500 determines to execute the diagnostic mode for the loaded token agent. If the diagnostic mode for the token agent is executed 330, The token agent providing server 100 generates a predetermined token diagnosis token code through the loaded token agent and transmits it to the token agent providing server 100 (335), and the token agent providing server 100 transmits a predetermined token The token authentication token code is generated 340 and the validity of the token agent loaded in the customer wireless terminal 500 is confirmed by comparing the token diagnosis token code with the token authentication code 345.

If the token diagnosis token code and the token authentication token code do not match (e.g., the token authentication token code is generated after the token update period) (350), the token agent providing server 100 transmits The token diagnostic retransmission request is requested 355, and the validity of the token agent is confirmed by repeating the above steps 335 to 545.

On the other hand, if the validity of the token agent is authenticated (350) by matching the token diagnosis token code and the token authentication token code, the wireless terminal information and the token agent information of the financial transaction customer and / At least one customer-owned financial account (or card) information available to the financial transaction customer using the token agent is linked and stored (360).

4a, 4b, and 4c illustrate information structures stored in the storage medium 125 according to an embodiment of the present invention.

4a illustrates wireless terminal information of a financial transaction customer stored in the storage medium 125. FIG. 4b illustrates token agent information stored in the storage medium 125,

4C illustrates the customer-specific information stored in the storage medium 125. Each information stored in the storage medium 125 may include at least one information item according to the intention of a person skilled in the art implementing the present invention. The present invention is not limited thereto.

4A, the wireless terminal information includes a telephone number (MIN), a serial number (ESN), platform information, communication company information, terminal model information, and the like of a financial transaction customer's wireless terminal equipped with the token agent, It is possible that at least one more information item is added according to the intention of the person skilled in the art. For example, the wireless terminal information may include IC chip unique information (ICCHIP) (not shown) and / or a SIM (Subscriber Identity Module) or a UIM (Universal Identification Module) to the IC chip mounted or detached from the wireless terminal, Or a Universal Subscriber Identity Module (USIM), it is possible to further include the SIM information, the UIM information, or the USIM information.

Referring to FIG. 4B, the token agent information is used to determine which kind of token agent is loaded in the customer wireless terminal 500, to generate a token authentication code for authenticating the token code generated in the token agent And includes a platform information of a wireless terminal equipped with the token agent, a token agent version installed in the platform, a token generation algorithm, at least one token generation information, and a token update period .

According to one embodiment of the present invention, the token generation algorithm illustrated in FIG. 4b is selected from either a time synchronization algorithm or a challenge-response algorithm. If the financial transaction server 130 knows the wireless terminal for which the token code is generated before the predetermined token code is generated by the token agent (for example, the payment terminal (or the web server) The token generation algorithm may use both the time synchronization algorithm and the challenge-sponsor algorithm, or the token generation algorithm may use both the time synchronization algorithm and the challenge-sponsor algorithm, If the financial transaction server 130 does not know the wireless terminal from which the token code is generated before a predetermined token code is generated by the token generation algorithm, the token generation algorithm can use only the time synchronization algorithm.

Referring to FIG. 4C, the customer-specific information includes customer personal information including the name, resident registration number and address of the financial transaction customer, and token agent relationship information for establishing a relationship between the financial transaction customer and the token agent And the token agent relationship information includes the wireless terminal information of the financial transaction customer.

FIG. 5 is a diagram illustrating a functional configuration of a wireless terminal equipped with a token agent according to an embodiment of the present invention.

5 is a diagram illustrating a function of a mobile terminal for accessing a mobile communication network based on CDMA (Code Division Multiple Access) for generating a token code for processing financial transactions (settlement and / or bill payment) The present invention relates to a preferable functional configuration of the mobile communication terminal for generating a token code for processing financial transactions (payment and / or bill delivery, etc.). The mobile communication terminal may be connected to another wireless terminal (e.g., wireless terminal) for generating a token code for processing a financial transaction (such as payment and / or bill delivery) in addition to the mobile communication terminal, A data communication terminal, or a portable Internet terminal). As a result, the technical claims of the present invention are by no means limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, a wireless terminal that provides mobile communication services includes an external body, a speaker, a microphone, a keypad, an LCD (Liquid Crystal Display), an antenna, and a battery 525. Internally, (For example, an MSM series modem chip of Qualcomm of the United States) that incorporates functions of a code division multiple access (CDMA) modem, a central processing unit (CPU) / micro processing unit (MPU) A power amplifier that amplifies the transmit signal, a high power amplifier (HPA), an isolator that prevents reverse output signals from reversing high output signals, An RF / IF SAW filter for eliminating desired out-of-band spurious signals, a frequency upstream circuit for the transmission path, a frequency downconversion circuit for the reception path, a VCT A CXO (Voltage Controlled Temperature Compensated X-tal Oscillator), a UHF frequency synthesizer used as a local signal of frequency up / down conversion, and a codec chip for converting an analog voice signal into a digital signal. Is gradually integrated into the modem chip, and various functions for various multimedia services and / or additional services are integrated in the modem chip in addition to core components for the mobile communication service.

5, a wireless terminal for generating a token code for processing a financial transaction (payment and / or bill payment) basically includes a control unit 505, a screen output unit 510, a sound processing unit 515, a key input unit A wireless communication unit 530 and a local communication unit 535 and a memory unit 570 and a battery 525 for supplying power to the IC chip 555 and the IC chip 555 And an IC chip reader 550 for reading / writing predetermined information or data to / from the IC chip 555, a camera 565 mounted or removed from the wireless terminal, And a camera unit 560 for reading information.

The control unit 505 includes a processor including a CPU / MPU provided in the modem chip and an execution memory, and includes a predetermined program routine for providing a function specific to the wireless terminal from a predetermined memory device, And a bus (BUS) for inputting and / or outputting program data and / or a predetermined electronic circuit (or an integrated circuit) provided for the bus (BUS). A generic term of program routines and / or program data that are loaded into the memory and processed through the processor to perform a specific function (thus, in the present invention, token code generation for processing financial transactions (payment and / or bill delivery) A predetermined token agent program routine recorded on the recording medium of the wireless terminal for convenience The control unit 505 realizes various functions to be implemented in the wireless terminal by the control unit 505. In order to realize the functions as described above, And the operation is controlled and managed. In particular, when power is input to the wireless terminal to perform the function of the controller 505 for controlling and managing the overall operation of the wireless terminal, the operating system routines, system management routines, and / System variables are loaded into the execution memory and processed by the processor to perform variables for providing an operating system, a system management program, and / or a mobile communication service.

The screen output unit 510 is a Liquid Crystal Display (LCD) driver for outputting a screen image by the control unit 505 (for example, a program routine for outputting predetermined information or data to the LCD) (E.g., text content, image content, and / or multimedia content) extracted and / or generated in the process of performing a predetermined function provided in the wireless terminal, (LCD), and the screen output unit 510 is connected to a screen output device (LCD) so as to perform financial transactions (settlement and / or billing) It is preferable to perform the function of the information output unit 590a for outputting predetermined information required in the process of generating the token code for processing,

The sound processing unit 515 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the sound to the control unit 505 or a predetermined sound The sound processor 515 is provided with a vocoder and a codec for decoding the signal and outputting it through a speaker. Performs sound input means provided in the wireless terminal through the sound processing unit 515 and a microphone or sound output means provided in the wireless terminal through the sound processing unit 515 and a speaker .

The key input unit 520 may include at least one key button having a predetermined number key and / or a character key and / or a function key, (Or a signal) input from a keypad and detects a predetermined key input from a predetermined key button provided on the keypad in a specific input mode and / or an operation mode of the wireless terminal controlled by the controller 505 (E.g., MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, and MH_KEY_RELEASEEVENT) corresponding to the input information (or signal), and provides the generated key event to the control unit 505 The control unit 505 reads predetermined key data corresponding to the key event in the current input mode and / or the operation mode of the wireless terminal (for example, (Or reads) key data from the key table for storing (managing) at least one key data corresponding to a specific key event in the input mode, the input mode, the output mode, and the operation mode, and / And reading out a command for executing the function of the command. The keypad including the key input unit 520 and at least one or more key buttons performs a function of a key input unit included in the wireless terminal.

The radio processor 530 may perform location registration and / or slot mode and / or power control and / or power control in conjunction with the controller 505 (e.g., a program routine for providing a mobile communication service) Or a hand-off and / or a call processing procedure. In the process of providing the mobile communication service, a base station corresponding to an end of the mobile communication network, (For example, antenna control, modulation, synthesis, amplification, and / or filtering of a radio frequency signal) for performing transmission and reception of a radio frequency signal. In particular, the radio processor 530 may process information or signals transmitted from the wireless terminal to the base station in order to provide the mobile communication service, or may transmit predetermined information or signals from the CDMA stack received from the base station And provides the function of reading.

According to one embodiment of the present invention, the wireless terminal connects a predetermined wireless section with a base station on a predetermined mobile communication network through the wireless processor 530, and transmits the wireless section to the mobile communication network 530 through a predetermined wired section including the base station. And / or a predetermined communication channel with a financial transaction server 130 provided on a predetermined communication network interlocked with the mobile communication network.

According to another embodiment of the present invention, if the wireless terminal of FIG. 5 is a portable Internet terminal, the wireless processor 530 accesses the portable Internet network and generates a token code for financial transactions (settlement and / or bill payment) And a functional configuration for providing a predetermined portable Internet service (e.g., a wireless data communication, or a voice call based on VoIP (Voice over IP)).

The short-range communication unit 535 is connected to the local communication unit 535 through an infrared ray communication and / or a radio frequency (RF) communication and / or a Bluetooth and / or a wireless LAN and / or a Wi- (Or device) through at least one or more short-range wireless communication means including an Ultra Wide Band (UWB), and is characterized in that the infrared communication, the RF communication, And a predetermined short range wireless communication module for short range wireless communication including Bluetooth, wireless LAN, Wi-Fi, ultra-wideband communication, and comprises a communication protocol and / or driver for the short range wireless communication in software.

According to one embodiment of the present invention, the wireless terminal connects a wireless section connecting a predetermined short range wireless communication session with a predetermined short range wireless terminal 540 through the short range communication section 535, It is preferable to connect a predetermined communication channel with a financial transaction server 130 provided on a predetermined communication network through a wired section including a predetermined network connected thereto.

The memory unit 570 may store predetermined program routines (or codes) and / or program data (for example, information that is input / output when an operation is performed by a program routine (Read only memory) corresponding to a read-only memory, a flash memory (FM) capable of reading / writing, and an EEPROM (electrically erasable and programmable read only memory) Memory) and the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal, information or data therefor, The EEPROM stores terminal registration related parameters and at least one information and / or data extracted and / or generated during execution of a telephone number (e.g., address book) or an application provided in the wireless terminal.

According to an embodiment of the present invention, at least one token generation information is stored in the memory unit 570, a part of the token generation information is read from the internal function configuration of the wireless terminal, And the other part is preferably included in the token agent or provided from the token agent providing server 100. [ For example, time (or time) information among the token generation information is read from the timer of the wireless terminal, and MIN / ESN and the like are stored in the NAM (Number Assignment Module) area of the memory unit 570. Of the token generation information, the secret key value is generated in the token agent providing server 100 and included in the token agent, or is stored in the memory unit 570.

The IC chip reader unit 550 may receive the IC chip related function configuration (for example, an IC chip agent included in the wireless terminal) installed in the wireless terminal through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 Program) and the IC chip 555 to be mounted or detached from the wireless terminal. For example, the IC chip reader unit 550 provides information and / or data exchange between the IC chip agent program and the IC chip 555 through an APDU (Application Protocol Data Unit).

Referring to the specification including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 555 mounted on or removed from the customer wireless terminal 500 receives power supply VCC, a reset signal RST, (E.g., command or data exchange, etc.) with the IC chip reader unit 550 through a contact point such as a clock signal CLK, ground GND, programming power supply VPP, and / or input / And a processor unit including at least one computing element including a central processing unit (CPU), a micro processing unit (MPU), and / or a coprocessor, a ROM (Read Only Memory), a RAM A memory unit including at least one memory device including a random access memory (EEPROM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory (FM). In particular, , And ROM When a predetermined power is supplied from the IC chip reader unit 550 through a power supply (VCC) contact point of the input / output interface, a chip operating system (COS) (For example, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point and controls the overall operation of the IC chip 555 by loading the COS stored in the APC Data unit) between the IC chip 555 and the IC chip reader 550.

According to another embodiment of the present invention, the token agent can be recorded in the IC chip 555, and in this case, the IC chip related information is preferably used in the token generation information. The present invention includes that the token agent is recorded in the IC chip 555, and thus the present invention is not limited thereto.

The camera unit 560 reads raster-based CCD image information from a camera 565 including a predetermined optical unit and a CCD (Charge Coupled Device) device in a bitmap format and transmits the image information to the control unit 505 ).

5, a communication processing unit 575 for receiving a predetermined token agent in association with the token agent providing server 100 on the wireless network 165, (A financial transaction request information message including payment request and / or bill payment request information) including predetermined connection information, and when receiving the message, receiving the access transaction information included in the financial transaction request information message A token agent for generating a predetermined token code, and a token code generated by the token agent to the financial transaction means connected through the connection unit 580 And a financial transaction unit (585).

The communication processing unit 575 includes a function configuration for receiving a predetermined token agent in association with the token agent providing server 100 on the wireless network 165 and loading (or installing) the token agent in the customer wireless terminal 500 According to an embodiment of the present invention, the token agent is a browser program provided in the customer wireless terminal 500 for processing a predetermined token code-based financial transaction (such as payment and / or bill payment) (Or installed) in the form of a plug-in of the financial transaction server 130 (or the like) and / or for processing a predetermined token code-based financial transaction (payment and / (Or installed) in the form of a predetermined token code based financial transaction program.

The connection unit 580 transmits predetermined financial transaction request information (financial transaction request information including payment request and / or bill payment request information) message including predetermined connection information for connection to a financial transaction means in a predetermined information transmission means The connection unit 580 connects to the financial transaction means using the connection information included in the financial transaction request information message. According to the method of the present invention, And a predetermined browser program connected to the financial transaction means through a predetermined wireless Internet for processing a code-based financial transaction (such as payment and / or bill delivery), and / or the client wireless terminal 500 ) To communicate with the financial transaction means for processing a predetermined token code based financial transaction (such as payment and / or bill delivery) Definition < / RTI > token code based financial transaction program.

The financial transaction unit 585 provides the token code generated by the token agent to the financial transaction means connected through the connection unit 580. According to an embodiment of the present invention, 585 preferably includes a predetermined browser program for providing a predetermined token code to the financial transaction means through a predetermined wireless Internet for processing a predetermined token code-based financial transaction (such as payment and / or bill delivery) And / or a token code based financial transaction program that provides a predetermined token code to the financial transaction means for processing a predetermined token code based financial transaction (payment and / or bill payment, etc.) at the customer wireless terminal 500 And the like.

Referring to FIG. 5, which is a preferred embodiment of the present invention, the token agent installed in the wireless terminal includes an input unit 590b for generating a token code from the financial transaction customer, A generating unit 590c for generating a predetermined token code by applying the token generating information to a predetermined token generating algorithm, a generating unit 590b for generating a predetermined token code by using the generated token generating code, And an output unit 590a for outputting to the wireless terminal screen.

The input unit 590b receives predetermined information including a token code generation command from the financial transaction customer in cooperation with the key input unit, and thereby the token agent generates a predetermined token code .

In addition, the input unit 590b receives a predetermined PIN (Personal Identification Number) for generating a predetermined token code from the financial transaction customer in conjunction with the key input unit, (For example, when the token agent is provided in the IC chip 555, the authentication procedure defined in the IC chip 555), the token agent generates a predetermined token code Or the PIN may be included in the token code generated by the token agent.

The read unit 590d may receive the token agent internal code and / or the token agent internal code and / or the at least one token (s) defined to be used for generating the predetermined token code from the memory unit 570, And the code generation information is read out.

According to the embodiment of the present invention, the reading unit 590d preferably reads the time (or time) information required for generating the token code from the wireless terminal internal resource (for example, a timer resource in the wireless terminal) And / or reads the token agent internal code and / or a predetermined secret key value set for generating the token code from the memory unit 570, and / or reads MIN / It is desirable to read the ESN. If a predetermined hash function is applied to the predetermined generation information among the read token generation information, the reading unit 590d applies a predetermined hash function to the token generation information and converts the hash function into a number within a predetermined size It is desirable to further include a function.

The generating unit 590c generates a predetermined token code that can not be predicted according to a predetermined token generating algorithm based on the token generating information read by the reading unit 590d, And a predetermined token is included in a data block of a defined constant length.

The token code generated by the generating unit 590c is output to the wireless terminal screen by the output unit 590a and / or provided to the predetermined local device 540 through the local communication unit 535 .

6 is a diagram illustrating a token code structure according to an embodiment of the present invention.

6 shows a preferred embodiment of a token code generated by the token agent shown in FIG. 5. The information location of the token code can be changed by a person skilled in the art. Those skilled in the art will readily understand the token code structure including more information with reference to FIG. 6, and thus the present invention is not limited thereto.

Referring to FIG. 6, the token code includes a predetermined token generated by the token agent. The token code may include at least one token in accordance with an intention of a person skilled in the art and / or according to an information subject intuitively authenticated through the token code. More than one piece of information may be included.

According to an embodiment of the present invention, it is preferable that the token code includes at least one token generation information and a predetermined token generated by the token generation algorithm.

The token code may further include a predetermined PIN entered by the financial transaction customer in a token generated by the token agent.

According to another embodiment of the present invention, when financial transaction information (payment information and / or payment information, etc.) is received from the financial transaction server 130 to the customer wireless terminal 500, Or a data code generated by applying a predetermined hash function to the financial transaction information or a data code generated by applying a predetermined hash function to the payment information, And the data code generated by applying a predetermined hash function to the payment information in the financial transaction server 130. The hashed data code may be transmitted from the financial transaction server 130 to the financial transaction information (payment information and / Information, etc.) by applying a hash function that is the same as the hash function used in the customer wireless terminal 500, It is possible to secure integrity and non-repudiation of the payment information (payment information and / or bill payment information).

7A and 7B are diagrams illustrating a token code operation process according to an embodiment of the present invention.

7A and 7B illustrate transmission of a 10-digit token code generated by the token agent to the financial transaction server 130 through the wireless terminal, and the token code is authenticated And the like. It should be noted that FIGS. 15A and 7B illustrate that the wireless terminal transmits only the token code to the financial transaction server 130 in order to efficiently explain the token code operation process. However, in the technical field of the present invention, The token code may be transmitted to the financial transaction customer through a predetermined transaction including the transaction information of the financial transaction customer and / or the amount of financial transaction (payment and / or bills payment) and / or gift certificate authority information (e.g., terminal information) It will be apparent that the same is included in the full breadth of the specification.

Referring to FIG. 7A, the reading unit 590d reads (700) at least one token generation information by a predetermined token code generation command input by the input unit 590b of the token agent, And provides at least one token generation information to the generation unit 590c (705).

The generating unit 590c generates a predetermined token code that can not be predicted by applying a predetermined token generation algorithm based on the provided at least one token generation information at step 710. The output unit may generate the token code, And outputs it to the wireless terminal screen (715).

According to an embodiment of the present invention, the generating unit 590c generates predetermined information (e.g., PIN) input through the input unit 590b in the process of generating the token code to the generating unit 590c It will be possible.

When the token code for financial transactions (payment and / or bill delivery) is generated as described above, the token code is transmitted to the financial transaction server 130 through the wireless network 165 (720).

According to an embodiment of the present invention, FIG. 7A illustrates a process 845 of generating a predetermined token code from the customer's wireless terminal 500 in the financial transaction process of FIG. 8 and transmitting the predetermined token code to the financial transaction server 130 1 shows an embodiment.

7B, the receiving unit 150 of the financial transaction server 130 receives (730) a predetermined token code transmitted from the wireless terminal through the wireless network 165, and the extracting unit 155 extracts Extracts predetermined token agent information corresponding to the token code from the storage medium 125, and provides the extracted token agent information to the authentication unit 160 in operation 740.

According to the embodiment of the present invention, the token code is transmitted including the wireless terminal information of the financial transaction customer, and the extractor 155 preferably extracts the token agent information based on the wireless terminal information .

If the token agent information is provided as described above, the authentication unit 160 may generate the token code in the token agent provided in the customer wireless terminal 500 based on the token agent information, (745), and checks the validity of the token code by comparing the token code received through the receiver (150) with the token authentication code (750). If the validity of the token code is authenticated 760, the financial transaction unit 135 of the financial transaction server 130 performs a predetermined financial transaction (payment and / or bill payment, etc.).

According to an embodiment of the present invention, FIG. 7B illustrates a process of authenticating the validity of the token code received from the customer wireless terminal 500 in the financial transaction server 130 in the financial transaction processing of FIG. 8 (850) FIG. 2 illustrates one embodiment of the present invention.

FIG. 8 is a diagram illustrating a financial transaction processing process according to an embodiment of the present invention.

8 is a flow chart illustrating a process of transmitting predetermined financial transaction request information (including payment request and / or bill payment request information) including predetermined callback information from the financial transaction server 130 to the customer wireless terminal 500 And transmits the financial transaction request to the financial transaction server 130 via the wireless Internet based on the callback transaction information from the customer wireless terminal 500. The financial transaction request is transmitted to the financial transaction server 130 through a predetermined token code, (Financial transaction request information including payment request and / or bill payment request information), a process of processing a predetermined financial transaction (payment and / or bill delivery, etc.) corresponding to a text message, It is possible to communicate with the financial transaction server 130 without using the wireless Internet by referring to FIG. Lock transaction based on the token code based on a predetermined token code-based financial transaction program installed in the customer's wireless terminal 500. In this case, the process of processing the token code based financial transaction (settlement and / or bill delivery) The present invention is not limited thereto.

Referring to FIG. 8, when a predetermined financial transaction (settlement and / or bill payment, etc.) is started, the financial transaction server 130 accesses the financial transaction server 130 from the customer wireless terminal 500 Generates (800) a predetermined financial transaction request information (financial transaction request information including payment request and / or bill payment request information) message including predetermined callback transaction information (800), generates the generated financial transaction request information Request information and / or bill payment request information) message to the customer wireless terminal 500 (805).

The customer terminal having received the financial transaction request information (financial transaction request information including the payment request and / or bill payment request information) message from the financial transaction server 130 is shown in FIG. 9A or FIG. 9B (A) to request the financial transaction (payment and / or bill delivery) included in the problem message to be approved (810).

If the transaction is not approved by the customer wireless terminal 500 (e.g., by clicking on the "Call" button in FIG. 9A or FIG. 9B) (Step 815), the customer wireless terminal 500 stores the received financial transaction request information (financial transaction request information including payment request and / or bill payment request information) message 820, (Such as settlement and / or bill delivery) following the token code based transaction.

On the other hand, if the transaction is approved by the customer wireless terminal 500 (e.g., by clicking on the "Call" button in FIG. 9A or 9B in FIG. 9B) The customer's wireless terminal 500 accesses the financial transaction server 130 via the wireless Internet based on the callback transaction included in the text message and transmits the token code based financial transaction (payment and / (825), and transmits the predetermined financial transaction information (payment information and / or bill payment information) to the financial transaction server 130 as shown in (B) of FIG. 9A or (Payment information and / or bill payment information) page including information (e.g., information, etc.) (830).

The customer wireless terminal 500 requests the financial transaction server 130 to process a financial transaction (such as payment and / or bills payment) based on the financial transaction information (payment information and / or bill payment information) page 9 (a) or 9 (b) of FIG. 9 (a) or (b) of FIG. 9 A page for generating (providing) a predetermined token code such as (c) and (d) of FIG.

The customer's wireless terminal 500 may transmit the token code through a page as shown in FIG. 7a through a page for generating (providing) a token code as shown in FIGS. 9a and 9a or 9a and 9b, Generates a predetermined token code for transaction (settlement and / or bill delivery) processing and provides it to the financial transaction server 130 (845).

The financial transaction server 130 receiving the token code from the customer wireless terminal 500 generates a predetermined token authentication code through the process as shown in FIG. 7B, and transmits the token authentication code to the received token code And checks the validity of the token code (850).

If the validity of the token code is not authenticated (855), the financial transaction server 130 requests the token code retransmission to the customer wireless terminal 500 (860), and the customer wireless terminal (500) Generates a predetermined token code for processing a financial transaction (such as payment and / or bill delivery) through the processes 840 to 855, and transmits the generated token code to the financial transaction server 130.

If the validity of the token code is validated (855), the financial transaction server 130 and the customer wireless terminal 500 may communicate with each other via the communication network, as shown in (e) and (f) (Payment and / or bill delivery, etc.) to a predetermined financial system 175 (for example, a financial system 175 provided in a settlement bank) linked to the financial transaction server 130 (865).

9A and 9B are views illustrating a financial transaction process according to an embodiment of the present invention.

9A and 9B illustrate a financial transaction process of FIG. 8 based on a screen of the customer wireless terminal 500. More specifically, FIG. 9A illustrates a page for generating the token code, FIG. 9B illustrates a page for generating a token code, and a page for providing the token code to the financial transaction server 130 The present invention relates to an implementation method in which a provided page is composed of two pages.

9A and 9B, the generated token code is input to the token code information area of the page for providing the token code by the customer after being output to the screen of the customer wireless terminal 500, Code is automatically input to the token code information area of the page for providing the token code.

Referring to FIGS. 9A and 9B, the financial transaction (settlement and / or bill payment, etc.) processing is performed for the financial transaction (settlement and / or bill delivery) due to the superior security of the token code. The financial transaction server 130 and the customer's wireless terminal 500 are shown in FIG. 9A according to the intention of a person skilled in the art practicing the present invention. (Such as billing and / or bills of payment) in connection with the financial transaction (payment and / or bills payment) in conjunction with (e) and (f) of FIG. It is possible to add additional security elements, and thus the present invention is not limited thereto.

FIG. 10 is a diagram illustrating a financial transaction processing process according to another embodiment of the present invention.

In more detail, FIG. 10 shows a text message including predetermined callback information and predetermined financial transaction information (payment information and / or bill payment information) from the financial transaction server 130 in the customer wireless terminal 500 And accessing and processing the financial transaction server 130 through the wireless Internet based on the callback information from the customer wireless terminal 500. The present invention is not limited to the general knowledge in the technical field of the present invention, Referring to FIG. 10, a user who has a token code based financial transaction program installed in the customer wireless terminal 500 to communicate with the financial transaction server 130 without using the wireless Internet, Based financial transaction (such as settlement and / or bill delivery) can easily be deduced, whereby the present invention is limited It is not never.

Referring to FIG. 10, when a predetermined financial transaction (settlement and / or bill payment, etc.) is started, the financial transaction server 130 receives the financial transaction from the customer wireless terminal 500, (1000) a text message including predetermined callback information and financial transaction information (payment information and / or bill payment information) for connection to the server 130, and generates the generated financial transaction information (payment information and / Or bill payment information) text message to the customer wireless terminal 500 (1005).

Upon receipt of the financial transaction information (payment information and / or bill payment information) text message from the financial transaction server 130, the customer terminal outputs the text message as shown in FIG. 11 (a) (Such as payment and / or bill delivery) processing 1010.

If the customer's wireless terminal 500 does not approve the financial transaction (e.g., payment and / or bill payment) (e.g., if the user clicks the "Call" button in FIG. 11A) The customer wireless terminal 500 stores the received financial transaction information (payment information and / or bill payment information) text message 1020, and transmits the token code based financial transaction (payment and / or bill delivery, etc.) The processing is terminated.

If the customer's wireless terminal 500 approves the financial transaction (payment and / or bills payment) processing (for example, clicking the "call" button in FIG. 11A) 1015, The terminal 500 accesses the financial transaction server 130 via the wireless Internet based on the callback URL included in the text message and transmits the communication channel for processing the token code based financial transaction (payment and / or bill delivery) (825), and processes the token code-based financial transaction (payment and / or bill delivery, etc.) through the processes (840-865) of FIG.

FIG. 11 is a view illustrating a financial transaction process according to another embodiment of the present invention.

FIG. 11 illustrates the financial transaction process shown in FIG. 10 based on a screen of the customer wireless terminal 500, and includes a predetermined callback information from the financial transaction server 130, (Payment information and / or bill payment information) in a text message received by the terminal 500. [0064] FIG.

11, the generated token code is output to the screen of the customer wireless terminal 500 and then input to the token code information area of the page for providing the token code by the customer, And automatically input to the token code information area of the token code providing page.

Hereinafter, a method of applying a characteristic challenge-response method different from the time synchronization method to the financial transaction processing system of the present invention will be described, and a part overlapping with the time synchronization method will be omitted for the sake of convenience.

FIG. 12 is a diagram illustrating token agent information to be provided to a wireless terminal 500 according to another embodiment of the present invention.

FIG. 12 shows a predetermined token agent for generating a challenge-response token code. The predetermined token agent includes a token agent for each platform corresponding to the wireless terminal platform on which the token agent is to be installed The token agent information includes a token agent program corresponding to each platform (or source code to be compiled into a token agent program), a version of the token agent, a token generation algorithm, At least one token generation information may be included. According to the intention of a person skilled in the art, however, at least one information item may be further included, and the present invention is not limited thereto.

According to the present invention, the token agent program is installed in the wireless terminal 500 owned by the customer to generate a predetermined token code, whereby the token agent program can be operated and operated in the customer wireless terminal platform. And / or program code that can be operated. For example, if a wireless Internet platform for interoperability (WIPI) platform is provided in the wireless terminal 500, the token agent includes program codes operating on a WIPI basis, / BREW, etc.), the program code that runs on the platform is included.

12, the token agent program is stored in the database 110 in the form of a precompiled program and / or is stored in the database 110 in the form of a source code to be compiled .

According to an embodiment of the present invention, the token agent program is provided in the database 110 in the form of a precompiled program, and the token agent program includes a token for generating the token code from a predetermined financial transaction server 130 It is preferable that the token agent providing server 100 receives the predetermined challenge value as the generated information, and the token agent providing server 100 provides the token agent program to the customer wireless terminal 500 through a predetermined wireless network , The token agent program generates a predetermined token code based on a predetermined challenge value received from the financial transaction server 130 when the token agent program installed in the wireless terminal 500 generates a predetermined token code, It is desirable to generate the code.

According to another embodiment of the present invention, when the token agent program is provided in the database 110 in a precompiled program form, the token agent providing server 100 transmits the token agent program to the wireless terminal At least one token generation information corresponding to the token agent program (e.g., a secret corresponding to the number randomly generated by the token agent providing server 100) corresponding to the token agent program at the time of providing and loading the token agent program into the token agent program 500 Key value) to the wireless terminal 500 and stores the same in a predetermined storage device. At the time when the token agent program installed in the wireless terminal 500 generates a predetermined token code, The token agent program stores a predetermined challenge value received from the financial transaction server 130, (At least one token generation information) from a large agent external storage device (e.g., a memory portion included in the IC chip mounted or detached from the memory portion 570 of the wireless terminal 500 and / or the wireless terminal 500) And generates a predetermined token code based on the token generation information.

According to another embodiment of the present invention, when the token agent program is stored in the database 110 in the form of a source code to be compiled, the token agent providing server 100 transmits, At the time of providing the agent program, at least one token generation information corresponding to the token agent program (e.g., a secret key value corresponding to a randomly generated number in the token agent providing server 100) Generating a predetermined token agent program by compiling the token agent source code in which at least one or more pieces of token generation information are assigned to a predetermined token generation information variable as described above, Similarly, a dynamically generated token agent program It is preferable that the token agent program is provided to the wireless terminal 500 via a wireless network and mounted on the wireless terminal 500. When the token agent program installed in the wireless terminal 500 generates a predetermined token code, It is preferable to generate a predetermined token code based on the predetermined challenge value received from the transaction server 130 and the token generation information assigned to the token agent program internal variable.

According to another embodiment of the present invention, even when at least one token generation information is assigned to the token agent program as described above, the dynamically generated token agent program is provided to the wireless terminal 500 according to the intention of a person skilled in the art The at least one token generation information is provided together with the wireless terminal 500 and stored in a predetermined storage device, and the token agent program installed in the wireless terminal 500 transmits a predetermined token code The token agent program generates a token to be transmitted to the financial transaction server 130 based on a predetermined challenge value received from the financial transaction server 130, the token generation information provided in the corresponding token agent program, It is possible to generate a predetermined token code by using the token code, The name is not limited.

The version of the token agent information includes version information of the token agent program for each platform to be provided to the wireless terminal 500.

According to the embodiment of the present invention, even if the same kind of token agent program (for example, a token agent program running on the same platform) is used, the type and / or version of the applied token generation algorithm may be different depending on the version of the token agent program Since the token code generated by the token agent program will also be different, the version information provides information for correctly determining the token agent loaded in the wireless terminal 500. [ The token code authentication error that can occur in the process of authenticating the predetermined token code generated in the wireless terminal 500 by the version information of the token code agent program can be minimized.

The token generation algorithm of the token agent information includes the hashing algorithm information applied to the token agent program and / or the detailed attribute information of the hashing algorithm. At present, most commonly used hashing algorithms for generating tokens are MD4, MD5, SHA, and the like, and a hashing algorithm (for example, a SHA-1 hashing algorithm modified from SHA) .

Referring to FIG. 12, the token code generation information is information indicating whether the token agent program included in the wireless terminal 500 is a predetermined token A predetermined challenge value provided to the wireless terminal 500 through the financial transaction server 130 at the time of generating the token code is set as the first generation information, and the token agent providing server 100, Or MIN / ESN uniquely assigned to the wireless terminal 500 on which the token agent is mounted, as the second generation information and / or the third generation information .

According to the embodiment of the present invention, the challenge value may be a random number generated arbitrarily by the financial transaction server 130 at the time when the token agent program in the wireless terminal 500 generates a predetermined token code As a value, the financial transaction server 130 transmits the token code (for example, a response corresponding to the challenge) generated based on the challenge value from the wireless terminal 500 to the wireless terminal 500 It is preferable to maintain a challenge value. When the token code is received, it is preferable to generate a predetermined token authentication code based on the challenge value to authenticate the received token code.

ESN of the wireless terminal 500 is used as the token generation information for generating the predetermined token code, the MIN / ESN may be directly generated as the token generation information The MIN / ESN may have a predetermined hash function to prevent the token agent from overflowing in generating the token code by having the MIN / ESN have an excessively large value. It is possible to apply and convert the value into a value within a certain size, which is determined according to the intention of the person skilled in the art and / or the computing ability of the wireless platform.

13a, 13b, and 13c illustrate a token code operation process according to an embodiment of the present invention.

13A, 13B, and 13C illustrate a case where the token agent provided in the wireless terminal receives a predetermined challenge value from the financial transaction server 130 to generate a 10-digit token code, The present invention relates to a method for transmitting a 10-digit token code from the wireless terminal to the financial transaction server 130 through a predetermined wireless network 165 and authenticating the token code at the financial transaction server 130, The process of inputting the predetermined PIN information to drive the token agent program and / or perform the internal authentication procedure in the token agent is omitted.

13A and 13B illustrate that the wireless terminal transmits only the token code to the financial transaction server 130 in order to efficiently explain the token code operation process. However, in the related art, The token code can be transmitted to the financial transaction server 130 in association with predetermined financial transaction information (such as payment information and / or bill payment information) for the token code based financial transaction It is to be clearly understood that the present invention is not limited thereto.

Referring to FIG. 13A, the authentication unit included in the financial transaction server 130 extracts predetermined wireless terminal information to transmit a predetermined challenge value from the storage medium (1300), and transmits the token agent program (1305) dynamically generates a predetermined challenge value to be transmitted, and provides the wireless terminal information and the challenge value to the information transmitting unit, the information transmitting unit transmits the challenge information to the information transmitting unit via the predetermined wireless network (165) The generated challenge value is transmitted to the wireless terminal (1310).

When the generated challenge value is transmitted to the wireless terminal equipped with the token agent program, the authentication unit stores the challenge value transmitted to the wireless terminal on the storage medium (1315).

Referring to FIG. 13B, the input unit 590d of the token agent program receives (1320) a predetermined challenge value received from the financial transaction server 130 through the communication processing unit, and receives the challenge value including the received challenge value The token agent 506 may be configured to generate at least one token code that is defined such that the token agent is used to generate a predetermined token code from the token agent internal code and / or the memory unit included in the memory unit 570 and / or the IC chip 555, (1325), and provides the generated at least one token generation information to the generation unit 590c (1330).

The generating unit 590c generates a predetermined token code that can not be predicted by applying a predetermined token generation hash algorithm based on at least one token generation information provided from the input unit 590d, The generated transaction information is transmitted to the financial transaction server 130 through the predetermined wireless network 165 in cooperation with the communication processing unit 575 The token code is transmitted (1345).

According to another embodiment of the present invention, when the wireless terminal equipped with the token agent program performs a function of a predetermined [payment terminal / financial terminal] for the token code based financial transaction, the output unit 590a And the communication processing unit 575 transmit the generated token code and the financial transaction information (such as payment information and / or bill payment information) to the financial transaction server 130 via the wireless network 165 .

According to an embodiment of the present invention, FIGS. 13A and 13B illustrate a process of generating a predetermined token code from the customer wireless terminal 500 in the financial transaction process of FIG. 8 and transmitting the generated token code to the financial transaction server 130 845). ≪ / RTI >

Referring to FIG. 13C, the information receiving unit of the financial transaction server 130 receives a predetermined token code transmitted from the wireless terminal through the wireless network 165 (1355), and the information receiving unit receives the token code The extracting unit extracts wireless terminal information that transmitted the token code in the form of the sender information and provides the wireless terminal information to the extracting unit in step 1365. The extracting unit extracts wireless terminal information associated with the wireless terminal information Extracts predetermined token agent information (corresponding to the code) (1370), and provides the extracted token agent information to the authentication unit (1375).

If the token agent information is provided as described above, the authentication unit may generate the same token generation information and / or the token generation information used to generate the token code in the token agent provided to the customer wireless terminal based on the token agent information and / The agent generates a predetermined token authentication code (1380) through the same procedure as the procedure for generating the token code, compares the token code received through the information receiver with the generated token authentication code, The validity is confirmed (1385). If the validity of the token code is authenticated 1390, the financial transaction unit 135 of the financial transaction server 130 performs a predetermined financial transaction (such as settlement and / or bill payment).

According to an embodiment of the present invention, FIG. 13C illustrates a step 850 of authenticating the validity of a token code received from the customer wireless terminal 500 in the financial transaction server 130 in the financial transaction processing of FIG. Lt; / RTI >

According to another embodiment of the present invention, when a predetermined token agent program is not installed in the customer wireless terminal 500 in addition to the time synchronization method and / or the challenge-response token code generation and authentication method, If the token code is transmitted to the customer wireless terminal 500 through the wireless network 165, the transaction server 130 generates a predetermined token code (for example, a password to be used once and consumed) The terminal 500 transmits the received token code to the financial transaction server 130 in association with predetermined financial transaction information (payment information and / or bill payment information, etc.) for the token code based financial transaction, The financial transaction server 130 compares the received token code with the token code transmitted from the financial transaction server 130 to the customer wireless terminal, In response to the result of financial transaction T portion 135 of the financial transaction server 130 it may be performed a financial transaction (payment and / or bill payment, and so on) that perform the procedure.

According to the present invention, in the customer's wireless terminal, the financial transaction (payment and / or billing) is performed through a predetermined token code volatilized temporally in a predetermined financial transaction (payment and / Or payment of bills, etc.) without having to worry about hacking, theft, loss, or abuse.

According to the present invention, at the time of a predetermined financial transaction (billing and / or bills payment) in connection with a predetermined financial transaction means, the customer's wireless terminal inputs a password for a financial transaction and / There is an advantage of simplifying complicated procedures such as entering an account password and / or entering a security card number.

Claims (54)

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  31. 1. A transaction processing system using a token code implemented in a server communicating with a customer's wireless terminal having a program for displaying a disposable token code,
    Based on a result of authenticating the validity of the program installed in the wireless terminal of the customer to display the token code, the wireless terminal information for identifying the wireless terminal equipped with the authenticated program and the customer specific information using the authenticated program A storage unit for storing the data;
    A receiving unit that is dynamically generated through a designated program code and receives a disposable token code displayed through an authenticated program of a wireless terminal corresponding to the wireless terminal information when a financial transaction request is made through the wireless terminal or the payment request terminal; And
    A process of processing the requested financial transaction is performed using the customer's financial account information or card information stored in the designated storage medium in association with the unique information based on the result of authenticating the validity of the token code A transaction processing system using a token code having a financial transaction part.
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  35. The method of claim 31, wherein the customer-
    Wherein the transaction information includes relationship information for establishing a relationship between the customer and the program.
  36. 32. The apparatus of claim 31,
    The financial transaction information or the card information owned by the customer is stored in a designated storage medium.
  37. 32. The method of claim 31,
    Generated dynamically through a program code provided in the wireless terminal, or
    Generated dynamically through the program code included in the program of the wireless terminal, or
    Wherein the transaction information is dynamically generated through a server communicable with the program of the wireless terminal and received by the wireless terminal.
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  43. 32. The method of claim 31,
    Further comprising an authentication unit configured to process the received token code so that validity of the received token code is authenticated.
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KR1020050074605A 2005-08-04 2005-08-16 System for Processing Transaction by using Token Code KR101463451B1 (en)

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KR100968941B1 (en) * 2007-03-23 2010-07-14 (주)에이티솔루션 Finance trade system using a otp
US10580049B2 (en) 2011-04-05 2020-03-03 Ingenico, Inc. System and method for incorporating one-time tokens, coupons, and reward systems into merchant point of sale checkout systems
US9195983B2 (en) 2011-04-05 2015-11-24 Roam Data Inc. System and method for a secure cardholder load and storage device
EP2801062A4 (en) * 2011-10-31 2015-10-28 Roam Data Inc System and method for incorporating one-time tokens, coupons, and reward systems into merchant point of sale checkout systems
US20130110658A1 (en) * 2011-05-05 2013-05-02 Transaction Network Services, Inc. Systems and methods for enabling mobile payments

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KR20040050443A (en) * 2002-12-10 2004-06-16 주식회사 웰게이트 Electronic payment method and system using mobile terminal
KR20040061248A (en) * 2002-12-30 2004-07-07 노틸러스효성 주식회사 System and method for credit payment using mobile communication terminal

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KR20040050443A (en) * 2002-12-10 2004-06-16 주식회사 웰게이트 Electronic payment method and system using mobile terminal
KR20040061248A (en) * 2002-12-30 2004-07-07 노틸러스효성 주식회사 System and method for credit payment using mobile communication terminal

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