KR101469072B1 - Mobile Financial Transaction Method by using Mobile Devices - Google Patents

Abstract

In a wireless financial transaction method using a wireless terminal of the present invention, a wireless financial transaction method using a wireless terminal executed by a program of a wireless terminal communicating with an IC chip that stores account information and transaction details information, Wherein the IC chip is adapted to perform authentication for the financial transaction based on the IC chip's own security function when the financial transaction is performed using the account information stored in the IC chip, Processing the received transaction details to be stored in the transaction history information of the IC chip, communicating with the financial server to process the transaction details stored in the IC chip to be applied to the financial institution director, And a transaction using the account information of the financial director without being accessed in real time to a financial manager.

Description

Technical Field [0001] The present invention relates to a mobile financial transaction method using a mobile terminal,

The present invention provides a wireless financial transaction method using a wireless terminal that is executed by a program of a wireless terminal that communicates with an IC chip that stores account information and transaction details information, Wherein the IC chip is configured to perform authentication of the financial transaction based on the IC chip's own security function and to process transaction details that have processed the financial transaction corresponding to the account information through the IC chip, And the transaction is stored in the transaction history information of the financial server and processed so that the transaction details stored in the IC chip are applied to the financial institution director, And a transaction using the account information of the wireless terminal.

An IC chip (for example, a SIM (Subscriber Identity Module), a UIM (Universal Identification Module), a Universal Subscriber Identity Module (USIM), and the like) satisfying an international standard IC chip standard such as ISO / IEC 7816 and / A credit card, a debit card, a check card, and a prepaid card of the EMV (Europay, Master, VISA) standard are installed in the IC chip. ), An electronic wallet, and a financial joint network. In addition, various payment systems and methods using the financial IC chip have been proposed.

A general payment system and method using a financial IC chip mounted or detached from a wireless terminal as described above uses a wireless communication network. For example, a portable IC chip having a function of connecting a wireless terminal to a server via a wireless communication network, (For example, a device for providing payment information provided in a financial IC chip to a card terminal device provided in an affiliated store) as means for performing a role as a card terminal device (for example, Infrared Data Association (IrDA) Messaging (Infrared Finance Messaging (IrFM)).

Meanwhile, according to the EMV standard, the financial IC chip can be paid offline by omitting a black list inquiry or an approval number processing procedure. In the conventional payment system using a financial IC chip provided in a wireless terminal, (For example, when the wireless terminal is used as a portable card terminal device, the wireless Internet communication fee or the wireless terminal is used as the payment information providing means), the wireless terminal can not utilize the features and / or advantages of the EMV standard as described above, A VAN fee, etc.), and the payment is delayed during the communication time.

An object of the present invention is to provide a wireless financial transaction method using a wireless terminal that is executed by a program of a wireless terminal communicating with an IC chip that stores account information and transaction history information, A step of processing authentication of the financial transaction on the basis of the self-security function of the IC chip when the authentication process is valid; Storing the transaction details of the IC chip in the transaction history information, and communicating with the financial server to process transaction details stored in the IC chip so that the transactions are applied to the financial institution director, And a transaction using the account information of the financial institution director without being accessed in real time And provides a wireless financial transaction method.

A wireless financial transaction method using a wireless terminal according to the present invention is a wireless financial transaction method using a wireless terminal executed by a program of a wireless terminal communicating with an IC chip that stores account information and transaction details information, When the financial transaction using the account information stored in the IC chip is performed, authentication of the financial transaction is processed based on the IC chip's own security function; and if the authentication process is valid, Processing the financial transaction transaction details to be stored in the transaction history information of the IC chip, and communicating with the financial server to process transaction details stored in the IC chip to be applied to the financial institution manager, A transaction using the account information of the financial institution director without being accessed in real time to the financial institution manager of the financial server Characterized in that obtained by box.

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The method further includes processing the transaction history newly stored in the transaction history information to be synchronized with the financial institution ledger by communicating with the financial server in the wireless financial transaction method using the wireless terminal according to the present invention.

According to the present invention, a financial transaction using a predetermined electronic passbook provided in a financial IC chip mounted on or removed from a wireless terminal is processed in a shadow account manner, whereby financial transaction is performed inside the wireless terminal, And it is convenient to use because the server is not connected to the server while the financial transactions are being performed. In addition, financial transactions are also performed in an underground, a tunnel, or a radio wave shielding area in which the wireless terminal is difficult to access a financial server Effect is provided.

In addition, the present invention is characterized in that, after a financial transaction is made by a shadow account method, the financial transaction details are synchronized with a single communication by transmitting or post-balancing the financial transaction details to a financial server, And the financial transactions stored in the IC chip or the memory unit are synchronized with each other, so that it is possible to conveniently handle the synchronization process.

In addition, the present invention processes the process of transferring and / or recharging the storage value stored in the electronic passbook to the debit card and / or the prepaid card by the shadow account method in a shadow account manner, In the payment process, the process of transferring and / or filling the stored value to the debit card and / or the prepaid card can be conveniently handled in real time within the wireless terminal.

1 is a diagram illustrating an internal configuration of a wireless terminal for storing financial transaction processing and financial transaction history information using an electronic passbook provided in a financial IC chip according to a preferred embodiment of the present invention.
2 is a preferred configuration diagram of an internal configuration of a financial IC chip according to a preferred embodiment of the present invention.
FIG. 3 is a diagram illustrating a financial transaction history information according to a preferred embodiment of the present invention.
4 is a flowchart illustrating a process of charging a prepaid card with a stored value stored in an electronic passbook according to a preferred embodiment of the present invention.
FIG. 5 is a flowchart illustrating a process of charging a prepaid card with a stored value stored in an electronic passbook in a shadow account manner according to a preferred embodiment of the present invention.
Figure 6 is a preferred flow diagram of a process for post-balancing an electronic passbook and a bank account in accordance with a preferred embodiment of the present invention.

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.

1 is a diagram illustrating an internal configuration of a wireless terminal 100 that stores financial transaction processing and financial transaction history information using an electronic passbook provided in a financial IC chip 170 according to a preferred embodiment of the present invention.

1, the wireless terminal 100 basically includes a control unit 105, a screen output unit 130, a key input unit 135, a wireless processing unit 145, a voice processing unit 140, a short range communication unit 150, A financial IC chip 170 including a IC chip interface 155, a memory unit 160 and a battery 165 for power supply and mounted or detached from the wireless terminal 100 and having a predetermined electronic passbook, .

The control unit 105 includes a processor, an execution memory, and a bus (BUS). The control unit 105 executes a process for booting the wireless terminal 100 and / or a boot process for executing the function specific to the wireless terminal 100 A surface mounted device (SMD) in the form of chipset on a PCB (Printed Circuit Board) provided in the wireless terminal 100 or a routine loaded on the memory by the processor, A generic name of a predetermined chipset routine to be computed provided to the execution memory and the processor via a bus to perform a specific function, the operating system being loaded from the storage memory to the execution memory to perform a function peculiar to the wireless terminal 100 An operating system (OS), a system program for managing the terminal control and an agent program for performing a predetermined function, A system management module and an agent operation module provided on a PCB inside the line terminal 100 in the form of a chipset and a processor module for performing a mathematical operation (e.g., a codec operation or an encryption operation) And a coprocessor.

In the wireless terminal 100, the control unit 105 performs a function peculiar to the known wireless terminal 100 or a predetermined function provided in the wireless terminal 100 for a specific purpose, and performs its overall operation Control and management. That is, all the functions and / or tasks performed through the wireless terminal 100 are performed through the controller 105. In this process, the controller 105 performs at least one function provided in the wireless terminal 100 (E.g., a screen output unit, a key input unit, a radio processing unit, and / or a voice processing unit), and a predetermined operation using the function execution unit.

1, which is a preferred embodiment of the present invention, the control unit 105 stores financial transaction processing and financial transaction history information using an electronic passbook provided in the financial IC chip 170, A processing unit 125 for processing a predetermined financial transaction including input and output of a stored value and / or transfer stored in an electronic passbook provided in the financial IC chip 170 by a shadow account method, (IC card) 170 or the memory unit 160 for storing financial transaction history information including information on the deposit / withdrawal and / or transfer history information of the stored value stored in the electronic passbook processed by the IC card processing unit 125 120 are provided.

According to a preferred embodiment of the present invention, the processing unit 125 and the storage unit 120, which perform the functions as described above, may be implemented by a component included in the wireless terminal 100, a part of the component, As shown in FIG.

According to another embodiment of the present invention, the processing unit 125 and the storage unit 120 process input / output and / or transfer of the stored value stored in the electronic passbook provided in the financial IC chip 170 And a function of storing the entry / withdrawal and / or transfer history information of the stored value stored in the electronic passbook in the IC chip 170 or the memory unit 160 As an electronic information management program.

In order to process the financial transaction of the preferred shadow account type proposed by the present invention, the processing unit 125 may charge the stored value stored in the electronic passbook provided in the financial IC chip 170 to the value charging Or a module added to a component or a component included in the wireless terminal 100 to perform the function of transferring the value to the wireless terminal 100 and / or the debit card, And an electronic information management program in the form of an agent program for a wireless terminal to realize charging and / or value transfer functions.

1 according to a preferred embodiment of the present invention, the control unit 105 controls the processing unit 125 to store the electronic money stored in the electronic passbook provided in the financial IC chip 170 in a shadow account manner In case that a predetermined financial transaction including entry / withdrawal and / or transfer of value is processed, financial transaction details including information on the deposit / withdrawal and / or transfer history of the deposit value are transmitted to the bank account And a transmission unit 115 for adding the financial transaction details processed by the wireless terminal 100 to the original account in a shadow account manner.

1 according to a preferred embodiment of the present invention, the processing unit processes the financial transaction for the electronic passbook in a shadow account manner, and the financial transaction history information is transmitted to the IC chip 170 Or the transfer history information stored in the IC chip 170 or the memory unit 160 through at least one communication means when stored in the memory unit 160 or the memory unit 160, Withdrawal and / or transfer history information processed in the shadow account method by the wireless terminal 100 to the original account and transmitted to the financial server provided with the bank account linked to the electronic passbook, Balancing processing unit 110 for performing post-balancing of withdrawal and / or transfer history information is further provided.

According to a preferred embodiment of the present invention, the transmitting unit 115 and / or the balancing processing unit 110 performing the above-described functions may be implemented by a component included in the wireless terminal 100, It is preferable that the module is provided as a module added to the component.

According to another embodiment of the present invention, the transfer unit 115 transfers the input / output and / or transfer history information stored in the IC chip 170 or the memory unit 160 to a financial server corresponding to the electronic passbook And the balancing processing unit 110 transmits the input / output and / or transfer history information stored in the IC chip 170 or the memory unit 160 and the electronic passbook information stored in the memory unit 160 through at least one communication means, Balancing of incoming / outgoing money and / or transfer history information of an original account provided in a financial server corresponding to an electronic bank book (an electronic bank book), as an electronic information management program in the form of an agent program for a wireless terminal do.

The screen output unit 130 receives at least one key data generated in the key input unit 135 and / or various information and signals extracted and / or generated in the control process of the control unit 105, (E.g., an LCD (Liquid Crystal Display)) provided in the display device.

The key input unit 135 includes a plurality of numeric keys, a character key for inputting characters, at least one function key, and the like. Generates key data corresponding to the key, and provides the generated key data to the control unit 105.

The radio processing unit 145 processes a radio frequency signal transmitted and received in a radio communication interval between the radio terminal 100 and a base station on the mobile communication network through a radio frequency (RF).

As described above, the radio frequency signal transmitted and received through the radio communication section between the radio processing section 145 and the base station may include a voice channel and a data channel. In the case of a voice channel, A radio frequency signal transmitted and received through a communication section is transmitted through a wired communication section including a control station connected to at least one base station and an exchange station connecting at least one control station, A radio frequency signal transmitted and received through a radio communication section between the radio processing section 145 and the base station includes a control station connected to at least one base station and a switching center connecting at least one control station, And routes the data signal to the packet-based network (E.g., an IWF (InterWorking Function)) and a communication device and / or a server on a network connected to the gateway through a packet-based network. And / or a communication session (Session) with a server or the like.

The voice processing unit 140 encodes a voice signal input from a microphone and transmits the voice signal to the radio processing unit 145 via the control unit 105. The radio processing unit 145 decodes a signal received through the radio processing unit 145, And outputting it as a voice signal to the speaker through the speaker 105. Particularly, the voice signal input / output through the voice processing unit 140 connects the voice call to at least two voice communication devices through the voice channel included in the wireless processing unit 145 as described above.

The local communication unit 150 is connected to the local communication unit 150 through at least one local area communication unit (e.g., Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth, BlueTooth, WiFi, And a short distance communication with a short distance communication device (for example, a payment terminal device provided with short distance communication means). For example, the short-range communication unit 150 provides infrared communication for wireless settlement with a payment terminal equipped with infrared communication means through IrFM of IrDA.

The memory unit 160 stores a predetermined program code for controlling the overall operation of the wireless terminal 100 and a space for storing information and / or data input and / or output when the program code is executed. A storage area, and generally includes a read-only memory such as a ROM (Read Only Memory) and a read / write memory such as an EEPROM (Electrically Erasable and Programmable Read Only Memory) or an FM And is provided in the terminal (100).

1, which is a preferred embodiment of the present invention, the memory unit 160 is provided with an input / output and / or transfer of a stored value stored in an electronic passbook provided in the financial IC chip 170 After the predetermined financial transaction is processed, the financial transaction details including the information on the receipt and withdrawal and / or the transfer history are stored.

1, which is a preferred embodiment of the present invention, the processor 125 automatically processes financial transactions (e.g., charging a stored value stored in an electronic passbook with a prepaid card) to the memory unit 160 And / or an electronic passbook operation policy required for the balancing processor 110 to automatically process the post-balancing process as described above is preferably stored.

The IC chip interface 155 is connected to the processing unit 125 and / or the storage unit 120 provided in the wireless terminal 100 via the IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443, And provides information and / or data exchange between the chips. For example, the IC chip interface 155 provides information and / or data exchange between the IC chip agent program and the financial IC chip 170 through an APDU (Application Protocol Data Unit).

Referring to the IC chip standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443, the financial IC chip mounted on or detached from the wireless terminal includes a power supply VCC, a reset signal RST An input / output interface for communicating with a card terminal device via a contact point such as a clock signal CLK, a ground GND, a programming power supply VPP, and / or an input / output (I / O) A ROM (Read Only Memory), a RAM (Random Access Memory), an EEPROM (Electrically Erasable and Programmable Read Only Memory), and a ROM A programmable read only memory (ROM), and a flash memory (FM). In particular, at least one of the memory devices includes a chip operating system (C at least one IC chip storing information for providing a service using a smart card is provided in at least one of the remaining memory devices.

The IC chip storage information included in the memory unit on the financial IC chip 170 includes a data storage unit for storing a data set corresponding to data or information read and used by the card terminal program and / And a data processing unit in which a program module (for example, a Java Applet) that can be used by a program or the like is stored and driven. In particular, the program processing unit includes a card configuration (for example, a COS, Virtual Machine), or interworking with the card configuration.

1, which is a preferred embodiment of the present invention, a data storage unit of the financial IC chip 170 stores input / withdrawal and / or withdrawal of a stored value stored in an electronic passbook provided in the financial IC chip 170, Or financial transaction details including the information on the receipt and withdrawal and / or transfer history are stored after a predetermined financial transaction including the transfer is processed.

2 is a preferred configuration diagram of the internal configuration of the financial IC chip 170 according to a preferred embodiment of the present invention.

2, which is a preferred embodiment of the present invention, the financial IC chip 170 is basically provided with an electronic passbook application 210 that functions as an electronic passbook provided on the IC chip 170, Also, the prepaid card application 205 corresponding to the debit card application 200 and / or the prepaid card payment means corresponding to the debit card payment means for storing and / or storing the stored value stored in the electronic passbook is provided.

The card applications provided in the financial IC chip 170 are transmitted to the processing unit 125 and / or the storage unit 120 and the ISO / IEC 7816 provided in the wireless terminal 100 via the IC chip interface 155 And exchanges predetermined information and / or data through half-duplex communication using a defined APDU.

Of the payment means provided in the financial IC chip 170, the debit card application 200 may be provided in accordance with at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 and financial IC chip standards such as EMV A Dedicated File (DF) including a unique identifier corresponding to the debit card payment means, a plurality of data files including at least one data set and a program code required to perform the debit card function, And an Element File (EF).

The debit card application 200 includes a file control information (FCI) storage unit and a debit card information storage unit. The file control information includes an FCI template, a dedicated file name, an FCI ownership template, and an SFI A file identifier, and the like. The debit card information storage unit includes an Application Elementary File (AEF) data template, Track 2 Equivalent Data, a Card User Name (Cardholder Name) 1, and Track 1 Discretionary Data.

Of the payment means provided in the financial IC chip 170, the prepaid card application 205 may be provided in accordance with at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 and financial IC chip standards such as EMV A prepaid card exclusive file including a unique identifier corresponding to the prepaid card payment means, a plurality of element files including at least one data set and a program code required to perform the prepaid card function.

In the prepaid card application 205, a prepaid card information storage unit (EF IEP) stores parameters and fixed data of the prepaid card recorded or modified while the prepaid card service is provided, The information stored in the prepaid card information storage unit includes a security parameter, a prepaid card parameter, an issuer ID, a branch code, a serial number, an algorithm identifier, an issue date, an expiration date, an active date, .

The primary account number (PAN) information storage unit (EF PAN) stores the main account information required when charging the prepaid card, and includes a service code, a bank code, a digit code, and an account number.

The prepaid card balance storage (EF BAL) stores the stored value to be charged and / or balanced to the prepaid card and includes the current balance of the prepaid card, the checksum of the current balance (check sum to validate the balance) The backup balance, the checksum of the backup balance, the maximum storage limit storage value, the one-time maximum withdrawal limit storage value, and the card transaction serial number.

The last transaction history storage unit (EF LPT) stores the last transaction details that have been successfully executed and includes a transaction type, a transaction serial number, a transaction total, a Purchase Secure Application Module (PSAM) identifier, a PSAM transaction serial number, And the like.

The purchase transaction history storage unit (EF PLOG) stores at least one purchase transaction and cancellation transaction history made recently and includes transaction type, transaction serial number, total transaction amount, balance after transaction, transaction date, PSAM issuer, PSAM identifier, PSAM Transaction serial number, and completion code.

The value charging history storage unit (EF LLOG) stores at least one value charging data made recently, and includes a transaction type (e.g., value charging), a transaction serial number, a balance after transaction, a transaction amount, and a completion code.

The parameter update history storage unit (RF ULOG) stores the latest prepaid card related parameter update data, and stores the transaction type (e.g., parameter update), transaction serial number, SAM identifier, parameter identifier, And a completion code.

The cardholder information storage unit (EF card holder) stores information about the prepaid card holder, so that it is possible to apply different transportation charges according to the cardholder's identity when using the bus or subway. The cardholder information includes the cardholder identification code and the expiration date of the cardholder.

The transfer information storage unit (EF transfer information) stores information for the fare discount according to the transit between the transportation means, and is used for the recent transportation, the bus boarding code, the date and time of bus boarding, the subway boarding / Time and date.

Of the payment account means provided in the financial IC chip 170, the electronic passbook application 210 may be provided with at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443, financial IC chip standards such as EMV An electronic passbook exclusive file including a unique identifier corresponding to the electronic passbook, and a plurality of element files including at least one data set and a program code required to perform the prepaid card function.

The electronic passbook application 210 includes a file control information storage unit, an individual basic information storage unit, an account information storage unit, and a financial transaction history storage unit. The file control information storage unit includes an FCI template, a dedicated file name, A template, an SFI, and the like. In the personal basic information storage unit, a card user data template, an English name of a card user (for example, an English Standard Code for Information Interchange) code and an English name (for example, KSC5601 standard code-5601) code and a real name ID.

In the account information storage unit of the electronic passbook application 210, the bank account information, the issue date information, the account transaction point code, the passbook issuance point code and the certificate number and the wireless terminal access the financial server through at least one communication means, The bank account number consists of an account status display, an account number corresponding to track 3, and a preliminary field, and the issue date information has a structure of year / month / day The account transaction point code and the bankbook issuance code are within 8 bytes and the certificate number is within 12 bytes. Specific information is in accordance with each bank regulation, and the bank account address is IPv4 (Internet Protocol ver. 4) and / or IPv6 (Internet Protocol version 6) based network address.

The financial transaction history storage unit of the electronic passbook application 210 includes a financial transaction date and time, a transaction type, a withdrawal amount, a deposit amount, a balance, and a transaction point code for storing financial transaction details of the electronic passbook.

Among the information stored in the data storage unit of the debit card application 200, the prepaid card application 205, and the electronic passbook application 210, information corresponding to the work element file is stored in at least one financial IC chip standard specification The control unit 125 is interlocked with the processing unit 125 provided in the wireless terminal 100 through the IC chip interface 155 provided in the wireless terminal 100 via the read / write control unit and the data determination unit provided in the processing unit of each storage information, The present invention is characterized in that the stored value stored in the electronic passbook is transferred and / or charged.

Also, among the information stored in the data storage unit of the electronic passbook application 210, the financial transaction details recorded in the financial transaction history storage unit may be stored in the storage unit of the electronic passbook application 210 after the transfer and / And is recorded by the storage unit.

FIG. 3 is a diagram illustrating a financial transaction history information according to a preferred embodiment of the present invention.

Referring to FIG. 3, the financial transaction history information includes financial transaction details of a financial transaction generated through an electronic passbook provided in the financial IC chip 170 and the financial transaction details are synchronized with the original account (for example, A transmission to the financial server or a post-balancing process).

The financial transaction details of the financial transaction generated through the electronic passbook provided in the financial IC chip 170 include transaction number, transaction date, transaction time, transaction type, amount of withdrawal, deposit amount, balance and transaction point code The financial transaction details may be stored in the memory unit 160 provided in the wireless terminal 100 as electronic passbook connection information or may be stored in the data storage unit of the electronic passbook application 210 on the financial IC chip 170. [ And is stored in the transaction history storage unit.

According to a preferred embodiment of the present invention, the transaction number of the financial transaction history is a number for distinguishing each financial transaction history. The last financial transaction history at the time of synchronization between the electronic bankbook and the bank account through post- 1 is assigned, and then financial transaction through e-bank account is 2 times, 3 times ... n number of times, and so on.

The transaction date and transaction time in the financial transaction history take the size of 8 bytes and 6 bytes, respectively, as the date and time when the financial transaction occurred, and it is preferable that the internal time of the wireless terminal at the time of financial transaction is applied, Type is a financial transaction code generated through an electronic passbook, and the debit card and / or prepaid card payment means using the electronic passbook presented by the present invention are distinguished from other existing financial transactions (for example, account transfer, salary transfer, etc.) It is desirable to have a unique financial transaction code value.

When the stored value stored in the electronic passbook is transferred and / or charged from the electronic passbook to the debit card and / or the prepaid card settlement means, the withdrawal amount of the financial transaction details corresponds to the stored value withdrawn from the electronic passbook And the amount of deposit corresponds to the stored value that is deposited in the bank account associated with the electronic passbook, and the balance corresponds to the stored value remaining in the bank account associated with the electronic passbook through the withdrawal and deposit.

According to a preferred embodiment of the present invention, the step of transferring and / or filling the stored value stored in the electronic passbook to the debit card and / or the prepaid card payment means comprises: receiving a balance of the bank account associated with the electronic passbook; Determining a value of the stored value to be transferred and / or charged within a range not exceeding the predetermined value, withdrawing the amount of the stored value from the balance, transferring the money to the debit card and / or the prepaid card payment means and / And a process of generating a predetermined financial transaction history from the process (for example, a process of recording the transfer value and / or the stored value to be paid in the withdrawal amount of the financial transaction details).

According to another embodiment of the present invention, the step of transferring and / or recharging the stored value stored in the electronic passbook to the debit card and / or the prepaid card settlement means may include the step of transferring the balance of the bank account associated with the electronic passbook The amount of the stored value is recorded in the withdrawal amount, the remainder obtained by subtracting the withdrawal amount from the remaining amount is recorded in the new balance, It is also possible to transfer and / or charge the value of the stored value to the debit and / or prepaid card payment means.

The transaction point code of the financial transaction details is a financial institution code in which a financial transaction is generated through the electronic bankbook, and is generally provided from the relevant financial institution at the time of the occurrence of the financial transaction. Exceptionally, When the stored value is transferred and / or charged from the passbook to the debit card and / or prepaid card payment means, the transaction point code is preferably replaced with a passbook issuance point code.

According to the present invention, the synchronization flag has a Boolean value such as TRUE / FALSE, and is set to TRUE if the financial transaction details are synchronized with the original account, and is set to FALSE if the transaction is not synchronized.

Hereinafter, a method for charging a storage value from an electronic passbook provided in the financial IC chip 170 to a prepaid card payment means provided in the financial IC chip 170 will be described according to a preferred embodiment of the present invention. It should be understood, however, that the following detailed description is not intended to limit the scope of the present invention, which is defined solely by the appended claims, May be omitted or simplified through the terms (financial transaction terms between the bank and the financial customer), or the order of some processes may be changed to the extent that the technical idea of the present invention is not violated.

4 is a flowchart illustrating a process of charging a prepaid card with a stored value stored in an electronic passbook according to a preferred embodiment of the present invention.

FIG. 4 is a diagram for explaining the technical features of the present invention. As shown in FIG. 4, a financial transaction including input / withdrawal and / or transfer of a stored value stored in an electronic passbook, The storage value stored in the electronic passbook is charged to the prepaid card payment means in the case of storing the electronic value stored in the electronic passbook 170 or the memory unit 160. [ The present invention also relates to a case where the stored value is automatically charged from the electronic passbook to the prepaid card during the payment using the prepaid card in the process of charging the stored value stored in the electronic passbook as the prepaid card payment means. However, the above-described preferred embodiment is a relatively simple and preferable one-way method among various methods for effectively explaining the technical features of the present invention. The present invention is a method in which a wireless terminal user inputs key data through a key input unit 135 It is obvious that the present invention includes the case where the charge is manually charged.

According to a common knowledge in the technical field of the present invention, a process of inquiring a charged value in the prepaid card during a payment process using a prepaid card is performed (400) The size of the prepaid card is compared with the size of the stored value charged in the prepaid card, and the storage value of the prepaid card is determined based on the comparison result (405).

For example, if the stored value value stored in the prepaid card is larger than the stored value size required for the payment process, the payment process using the prepaid card can be normally processed and the stored value is automatically charged Is not performed. On the contrary, if the stored value size required for the payment processing is larger than the stored value size charged in the prepaid card, the stored value of the stored value larger than the stored value size required for the payment processing in the prepaid card is charged And as a result, a process of automatically charging the prepaid card with the stored value is performed.

If the prepaid card does not require storage value charging (410), the storage value charging process from the electronic passbook to the prepaid card is not automatically initiated and can be manually initiated according to another embodiment of the present invention .

Meanwhile, if it is determined in step 415 that the storage value charging is required for the prepaid card for settlement in the above process, the processing unit 125 provided in the wireless terminal 100 determines the validity of the financial IC chip 170 (420).

According to a preferred embodiment of the present invention, the validity determination process for the financial IC chip 170 inputs a PIN (Personal Identification Number) to identify confidentiality, authentication Authentication, integrity, and nonrepudiation of the financial IC chip 170 and inquiring the IC chip storage information identifier included in the financial IC chip 170 and displaying the present invention on the financial IC chip 170 And determining whether or not the electronic passbook is provided.

If the validity authentication for the financial IC chip 170 fails (425), the process of charging the stored value from the electronic passbook to the prepaid card is not performed.

On the other hand, if the validity of the financial IC chip 170 is confirmed (430), the wireless terminal 100 determines 435 a financial transaction method for charging the stored value stored in the electronic passbook with the prepaid card.

According to a preferred embodiment of the present invention, a financial transaction method for charging a stored value stored in the electronic passbook with the prepaid card includes a financial transaction method of charging the bank account linked to the electronic passbook in real time, The prepaid card is charged with the stored value stored in the electronic passbook in the shadow account mode without real-time connection with the account, and then the financial transaction details relating to the prepaid card charging are generated and the bank account associated with the electronic passbook is provided A financial transaction method that transfers to, or post-balances to, a financial server is desirable.

If the financial transaction method for charging the stored value stored in the electronic passbook to the prepaid card is determined by the shadow account method (440), the wireless terminal 100 stores the stored value in the electronic passbook provided in the financial IC chip 170 The stored value is withdrawn in a shadow account manner and a preferred process of charging the prepaid card is performed (445). A preferred process of charging the prepaid card with the stored value stored in the electronic passbook in the shadow account mode will be described with reference to FIG.

On the other hand, if the financial transaction method for charging the stored value stored in the electronic passbook to the prepaid card is determined as a method of real-time connection with the original account (450), the processing unit (125) By extracting the account information for the electronic passbook from the electronic passbook application provided in the chip 170 and connecting the financial server with the bank account associated with the electronic passbook through the account information 455) connects the communication session for charging the prepaid card with the stored value stored in the electronic passbook in a manner of real-time coordination.

If the process of connecting to the financial server to charge the stored value stored in the electronic passbook with the prepaid card fails in the manner that the wireless terminal 100 real-time associates with the original account as described above (460), the wireless terminal 100 ) Automatically converts the financial transaction method for charging the stored value stored in the electronic passbook to the prepaid card into the shadow account mode and withdraws the stored value stored in the electronic passbook in a shadow account manner and charges the prepaid card (445).

On the other hand, if the process of connecting to the financial server to charge the stored value stored in the electronic passbook with the prepaid card is successful (step 465), the wireless terminal 100 transmits the stored value stored in the electronic passbook in a manner that the wireless terminal 100 real- The processing unit 125 provided in the mobile terminal 100 determines the stored value size to be charged from the electronic passbook to the prepaid card and stores the determined storage value size in the communication session connected between the wireless terminal 100 and the financial server, To the server (470).

As described above, when the stored value size is transmitted from the wireless terminal 100, the financial server withdraws the balance of the bank account by the stored value size transmitted from the wireless terminal 100, and transmits the withdrawn amount to the prepaid card Through the predetermined process of transferring to the issuing institution, the stored value stored in the electronic passbook is charged to the prepaid card (475).

Wherein the financial server generates a financial transaction history for a financial transaction in which the stored value stored in the electronic passbook is charged to the prepaid card when the stored value stored in the electronic passbook is charged to the prepaid card, To the wireless terminal 100 (480).

When the financial transaction details in which the stored value stored in the electronic passbook is charged by the prepaid card is received from the financial server, the storage unit 120 of the wireless terminal 100 transmits the financial transaction details corresponding to the financial transaction history to the wireless And stored in the memory unit 160 or the IC chip 170 provided in the terminal 100 (485).

FIG. 5 is a flowchart illustrating a process of charging a prepaid card with a storage value stored in an electronic passbook in a shadow account manner according to a preferred embodiment of the present invention.

5 according to a preferred embodiment of the present invention is a method for charging a stored value stored in the electronic passbook with the prepaid card in the process of charging the stored value stored in the electronic passbook with the prepaid card, Which is determined to be automatically determined by the shadow account method or to fill the stored value stored in the electronic passbook with the prepaid card in a shadow account manner based on the electronic passbook operation policy provided in the wireless terminal 100, It is about the case. However, the above-described preferred embodiment is a relatively simple and preferable one-way method among various methods for effectively explaining the technical features of the present invention. The present invention is a method in which a wireless terminal user inputs key data through a key input unit 135 It is obvious that the storage value stored in the electronic passbook is manually charged to the prepaid card by the shadow account method.

One embodiment of the present invention in which post-balancing is initiated is a method in which a wireless banking IC chip 170 equipped with an electronic passbook is connected to at least one terminal device (e.g., Automatic Teller Machine (ATM), Cash Dispenser (CD), or a kiosk (KIOSK)), the post-balancing decision means preferably decides to perform post-balancing through a communication session via the terminal device. In this case, the post-balancing decision means preferably takes the form of a terminal program provided in the terminal device and the terminal device.

Also, when the wireless terminal 100 on which the financial IC chip 170 is mounted or detached is connected to a financial server through a wireless communication means (for example, a wireless terminal is connected to a financial server via a wireless Internet) , The post-balancing decision means preferably decides to perform post-balancing via the wireless communication session. At this time, the post-balancing decision means is preferably in the form of an agent program provided in the wireless terminal 100 or a program code provided in the wireless financial IC chip 170. [

In addition, the wireless financial IC chip 170 and / or the wireless terminal user may use a communication means other than the communication session connection described above (for example, Internet banking using a wired Internet or telebanking using a telephone The banking IC chip 170 and / or the financial transaction that is not performed by the wireless terminal 100 (for example, a banking transaction, a banking transaction, or a banking transaction) It is desirable to determine that post-balancing should be done through at least one or more communication means before it occurs. In this case, the post-balancing decision means is a server program provided in the financial server, and the financial server stores a telephone number or network address of the wireless terminal on which the financial IC chip 170 equipped with an electronic passbook is mounted or detached desirable.

Also, during the settlement processing through a payment means (for example, a credit card) in which online processing is performed among a plurality of payment means and / or payment means provided in the wireless financial IC chip 170, the post- It is desirable to decide to perform post-balancing in conjunction with the online settlement process. At this time, the post-balancing decision means is preferably in the form of an agent program provided in the wireless terminal or a program code provided in the wireless banking IC chip 170, and at least one settlement apparatus , Credit card payment approval server) is preferably linked to the financial server where the bank account is opened.

Accordingly, the processing unit 125 provided in the wireless terminal 100 determines whether the stored value stored in the electronic passbook provided in the financial IC chip 170 is filled with the prepaid card through the shadow account type financial transaction method (step 500) If the financial transaction method for charging the prepaid card with the stored value stored in the electronic passbook is not the shadow account method (505), the storage value from the shadow account-type electronic passbook to the prepaid card The charging process is not performed and the process of charging the stored value with the prepaid card is performed in real time in real time with the original account as shown in FIG.

On the other hand, if the financial transaction method for charging the stored value stored in the electronic passbook to the prepaid card is the shadow account method (510), the wireless terminal 100 uses the electronic passbook application provided in the financial IC chip 170 (515) a storage value size to be charged from the stored value stored in the electronic passbook to the prepaid card (515), and determines whether or not the prepaid card charging validity of whether the determined stored value size can be charged to the prepaid card (520) .

According to a preferred embodiment of the present invention, the determination of the pre-payment card charging validity as to whether or not the storage value stored in the electronic passbook can be charged to the prepaid card is made by checking the stored value stored in the electronic passbook in the financial IC chip 170 Thereby determining whether the stored value stored in the electronic passbook can be charged to the prepaid card by checking whether the stored value size is larger or smaller than the stored value size to be charged to the prepaid card.

According to another embodiment of the present invention, the validity of charging the prepaid card is determined by inquiring the bank account associated with the electronic passbook to the financial IC chip 170 through the network, It is determined whether the stored value stored in the electronic passbook can be charged to the prepaid card by checking whether the deposit or the deposited balance in the bank account is larger or smaller than the stored value size to be charged by the prepaid card.

If the validity of charging the prepaid card is not authenticated (525), the processing unit 125 provided in the wireless terminal 100 re-determines the stored value size to be charged to the prepaid card from the stored value stored in the electronic passbook, The validity of charging the prepaid card is ensured by repeating the process of determining whether the rechargeable storage value value can be charged by the prepaid card.

If the effectiveness of charging the prepaid card is confirmed (530), or if the validity of charging the prepaid card is ensured through the process of re-determining the stored value size to be charged by the predetermined prepaid card, the processing unit 125 withdraws the stored value stored in the electronic passbook in a shadow account method that is not associated with the original account of the electronic passbook provided in the financial server, and charges the withdrawn stored value with the prepaid card (535).

According to a preferred embodiment of the present invention, in the process of withdrawing the stored value stored in the electronic passbook in a shadow account mode, the processing unit 125 provided in the wireless terminal 100 transmits electronic money The step of recording the determined stored value size in the withdrawal amount of the passbook application 210 and subtracting the stored value recorded in the withdrawal amount from the balance, and filling the withdrawn stored value with the prepaid card, 100 corresponds to a process of storing the prepaid card balance storage unit of the prepaid card application 205 provided in the financial IC chip 170 by adding the stored value stored in the electronic passbook to the prepaid card balance storage unit.

When the stored value stored in the electronic passbook is charged by the withdrawal and prepaid card in the shadow account manner as described above, the processing unit 125 provided in the wireless terminal 100 withdraws the predetermined storage value from the electronic passbook as described above (540), and attempts to establish a communication session with the financial server to transmit the financial transaction details to a financial server having a bank account associated with the electronic passbook (545).

If the connection of the communication session fails in the wireless terminal 100 (550), the storage unit 120 provided in the wireless terminal 100 processes the synchronization flag of the financial transaction history information as " asynchronous " , The financial transaction details information is stored in the IC chip 170 or the memory unit 160 (555).

When the financial transaction details information in which the synchronization flag has been processed as "asynchronous" is stored in the IC chip 170 or the memory unit 160, the balancing processor 110 provided in the wireless terminal 100 transmits (560), the information is transmitted to the IC chip (170) or the memory unit (160), as described above, after the bank balance of the bank account and the financial transaction details of the electronic passbook are balance- The synchronization flag of the history information is changed to " synchronization " (565). As described above, after the synchronization flag of the financial transaction details information is processed and stored as " asynchronous ", the transaction between the financial transaction details stored in the IC chip 170 or the memory unit 160 and the bank account A preferred process for post-balancing is illustrated in FIG.

On the other hand, if the communication session connection is successful (570) in the wireless terminal 100, the transmission unit 115 included in the wireless terminal 100 transmits the financial transaction details to the financial server, (575) a successful response to the financial transaction processing corresponding to the successful addition or registration of the financial transaction details to the original account.

If the financial transaction processing fails to the wireless terminal 100 in step 580, the storage unit 120 of the wireless terminal 100 sets the synchronization flag of the financial transaction history information to " asynchronous " And stores the financial transaction history information in the IC chip 170 or the memory unit 160, and performs post-balancing.

However, if the financial transaction processing of the financial server is successful (Step 585), the storage unit 120 of the wireless terminal 100 processes the synchronization flag of the financial transaction history information as " And stores the financial transaction history information in the IC chip 170 or the memory unit 160 (590).

Figure 6 is a preferred flow diagram of the process of post-balancing an electronic passbook and a bank account in accordance with a preferred embodiment of the present invention.

6 illustrating a preferred embodiment of the present invention, in order to efficiently explain the technical features of the present invention, the post-balancing process is automatically started by the balancing processor 110 provided in the wireless terminal 100, A communication session that is directly connected between the terminal 100 and a financial server on the network is used. However, the post-balancing process described above is a preferred process for efficiently explaining the technical features of the present invention. In the post-balancing process of the present invention, the wireless terminal user generates key data through the key input unit 135, And a case where at least one relay communication device (for example, a payment terminal device) is added between the wireless terminal 100 and the financial server.

According to a preferred embodiment of the present invention, in a preferred case where the post-balancing is automatically started, after the process of filling the stored value stored in the electronic passbook with the prepaid card is performed by the shadow account method as shown in FIG. 5, And the financial server are connected, the balancing processor 110 preferably determines to perform post-balancing through the communication session. For example, when the wireless terminal 100 accesses the wireless Internet or connects to a settlement terminal apparatus with a predetermined wireless settlement, the wireless terminal 100 repeats the wireless Internet and the settlement terminal apparatus, When a communication session is connected, it decides to handle postbalancing through a communication session.

According to another embodiment of the present invention, when the post-balancing is automatically started, the storage value stored in the electronic passbook is charged into the prepaid card by the shadow account method as shown in FIG. 5, The balancing processing unit 110 may determine to perform postbalancing through the communication session when the electronic banking operating policy included in the memory unit 160 is extracted and read to determine that postbalancing is to be performed.

The balancing processor 110 provided in the wireless terminal 100 determines whether balancing is performed in the wireless terminal 100 through the predetermined process as described above, (604) a communication session between the wireless terminal (100) and the financial server by extracting a network address of the bank account (602) and accessing the financial server provided with the bank account using the bank account address, If the communication session is not immediately connected (606), the process of connecting the communication session is repeated.

If the communication session between the wireless terminal 100 and the financial server is connected 608, the balancing processor 110 provided in the wireless terminal 100 may transmit the communication session between the IC chip 170 and the memory unit 160, (610) a financial transaction history in which the synchronization flag is set to "asynchronous" among the transaction history information, encrypts the extracted financial transaction details, and transmits it to the financial server through the communication session (612).

According to a preferred embodiment of the present invention, the balancing processing unit 110 may further include a process of extracting a public certificate and a public key from the financial IC chip 170 to encrypt the financial transaction details.

The financial server decrypts the received financial transaction details (614), and transmits the received financial transaction details to the IC chip (100) provided in the wireless terminal (100) 170 or the financial transaction details stored in the memory unit 160.

According to a preferred embodiment of the present invention, a process of accessing an authentication server having a decryption key to decrypt the financial transaction history may be added to the financial server.

(Hereinafter, description on FIG. 6B)

If the financial transaction details stored in the IC chip 170 or the memory unit 160 of the wireless terminal 100 are extracted to the financial server through the above process, The financial transaction date and time of the first financial transaction and the date and time of the last financial transaction of the last financial transaction period (that is, (616) whether a financial transaction (in particular, a withdrawal financial transaction) exists in the bank account separately from the financial transaction of the electronic bankbook during the period during which the transaction occurred.

According to a preferred embodiment of the present invention, an automated financial transaction (e.g., automatic account transfer, bill transfer, etc.) may occur in a bank account while a financial transaction occurs in an electronic passbook with a shadow account.

If there is no financial transaction occurred during the financial transaction in the bank account (618), the financial server determines the financial transaction history extracted from the electronic passbook as a new financial transaction occurring during the financial transaction period, The financial transaction details of the bankbook are added after the last financial transaction history of the bank account (620).

On the other hand, if there is a specific financial transaction in the bank account during the financial transaction (622), the financial server compares the financial transaction details provided from the wireless terminal 100 and the financial transaction data generated separately from the financial transaction history in the bank account (624). As a result of the comparison, the financial transaction details of the electronic bankbook and the separate bank account financial transactions are sequentially synchronized (626).

According to a preferred embodiment of the present invention, the process of sequentially synchronizing the financial transaction details provided in the wireless terminal 100 and the separate financial account transaction details of the bank account, The transaction date and time of the first financial transaction, which are separately generated in the bank account, are sorted, and the withdrawal amount, the deposit amount, and the balance of the sorted financial transaction details are recalculated.

It is preferable that the above-described sequential synchronization process is sequentially performed on all the financial transaction details during the financial transaction period (for example, the financial transaction details of the electronic passbook and the bank account separately).

In addition, in the course of performing the above-described sequential synchronization, the financial server checks whether a negative value is generated in the re-calculated balance from the financial transaction details (628).

If a negative number does not occur in the re-calculated balance in the specific financial transaction details that are sequentially synchronized as described above (630), the financial server sequentially repeats the above-described sequential synchronization process for all financial transaction details agreed in the financial transaction period .

In contrast, if a negative value occurs in the re-calculated balance in a specific financial transaction that is sequentially synchronized as described above (632), the financial server calculates the financial transaction history of the virtual credit loan after the financial transaction in which the negative balance is generated as described above (634), and the sequential synchronization process is sequentially repeated for all financial transaction details agreeing with the financial transaction period.

According to a preferred embodiment of the present invention, in the step of issuing an electronic passbook to a financial customer for a virtual credit loan processing as described above, when a withdrawal exceeding the balance is generated from a financial transaction due to a shadow account, It is desirable to agree to automatically transfer excess withdrawals within the limit to virtual credit lending.

If the sequential synchronization of the financial transaction details and the financial transaction details of the bank account extracted and received from the electronic passbook is completed (636), the financial server transmits the synchronized financial transaction details to the bank account And stores it in addition to the financial transaction details (638).

If the financial transaction details of the electronic bankbook and the bank account details of the bank account are synchronized and stored in the bank account through the above-described preferable sequential synchronization process, the financial server transmits the bank transaction details stored in the bank account to the wireless terminal 100 (640) a synchronization result of the financial transaction history to the wireless terminal 100 through a communication session between the financial server and the financial server.

According to a preferred embodiment of the present invention, when a separate financial transaction occurs during a financial transaction period in a bank account provided in the financial server, the result of the synchronization of the financial transaction details includes the financial transaction details for the financial transaction, Is preferably added.

When the synchronization result of the financial transaction details is received from the financial server, the storage unit 120 provided in the wireless terminal 100 selects a synchronization flag among the financial transaction details stored in the IC chip 170 or the memory unit 160 The synchronization flag of the financial transaction history information that is " asynchronous " is changed to " synchronization " (642).

According to a preferred embodiment of the present invention, when there is a separate financial transaction details in the result of synchronization of the financial transaction details, the storage unit 120 provided in the wireless terminal 100 transmits the financial transaction details to the IC chip 170 Or the financial transaction history information stored in the memory unit 160. [

100: wireless terminal 105:
110: balancing processor 115:
120: storage unit 125:
130: Screen output unit 135: Key input unit
140: audio processing unit 145: radio processing unit
150: Local communication unit 155: IC chip interface
160: memory unit 165: battery
170: Financial IC chip

Claims (3)

A wireless financial transaction method using a wireless terminal executed by a program of a wireless terminal communicating with an IC chip storing account information and transaction history information,
Performing authentication for the financial transaction based on the IC chip's own security function at the time of financial transaction using the account information stored in the IC chip;
Processing the financial transaction information corresponding to the account information through the IC chip to store transaction details in the transaction history information of the IC chip when the authentication process is valid;
Communicating with the financial server and processing the transaction details stored in the IC chip to be applied to the financial institution manager,
Wherein the financial transaction includes a transaction using the account information of the financial institution director without being accessed in real time to a financial institution manager of the financial server.
delete The method of claim 1, further comprising: processing transaction details newly stored in the transaction history information to be synchronized with a financial institution leader by communicating with the financial server.

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