KR101489474B1 - Safe Trade Server for Financial Transaction Using Mobile Radio Communication Network and Financial Transaction Method Thereof - Google Patents

Abstract

A financial transaction system and a financial transaction method using a mobile communication network are provided. A financial transaction system using a mobile communication network includes an automation device that transmits transaction information and device identification information input from a user, a safety transaction server that generates transaction identification information based on the transaction information and the device identification information, And a mobile terminal for receiving security information corresponding to the financial information and the transaction identification information from a user and transmitting the received security identification information to the safety transaction server,
Wherein the safety transaction server comprises: a communication unit for receiving at least one of device identification information and transaction information from the automation device; an automation device authentication unit for performing authentication processing for the automation device based on the device identification information; A transaction identification information generation unit for generating transaction identification information based on the device identification information and a financial transaction processing unit for receiving the transaction identification information from the mobile terminal and transmitting the transaction information corresponding to the transaction identification information to the mobile terminal, .

Description

Technical Field [0001] The present invention relates to a secure transaction server for a financial transaction system using a mobile communication network,

The present invention relates to a financial transaction system using a mobile communication network and a method thereof.

Recently, a variety of mobile communication terminals using a mobile communication network have been released. These mobile communication terminals can access the Internet through various wireless communication protocols such as WCDMA, Wibro, and WIFI. In addition, mobile communication terminals have a platform capable of driving various application programs. In the case of mobile phones, WIFI, BREW, and other mobile application programs can be run on a platform built in. Smartphones also have a variety of application program platforms such as Windows Mobile and Android.

In particular, mobile phones and smartphones have a SIM (Subscriber Identity Module), a UICC (Universal IC Card), and a universal subscriber identity module (USIM), which is a combination of SIM and UICC. USIM incorporates customer authentication, global roaming, and e-commerce information on a single chip for various purposes. The USIM is a chip that is essentially inserted into a terminal of asynchronous third generation mobile communication (WCDMA) in a way that is one step advanced from SIM. The USIM also functions as a general purpose IC card (UICC) that can carry the role of a SIM that performs subscriber authentication and functions such as a transportation card and a credit card. The generic IC card ensures the integrity and security of all personal data through the support of various multi-application security.

In recent years, there are various types of cards that are widely used as means for processing bank transactions, such as credit cards, check cards, debit cards, and cash cards. These cards can be issued by a customer to a card company's automation equipment or a separate company's automated equipment contracted with a credit card company to process cash withdrawals, account transfers, cash service withdrawals, and cash service transfers. These automation devices are common devices, which usually include a card insertion part, a display part, and a keypad. Recently, they are installed in public places such as a convenience store, so that they can be conveniently used at convenient places.

However, it is convenient to use an automated device to handle banking. However, if the card information is read directly into the automated device, important information such as card information or password may be leaked or stolen by program operation or hacking of the automatic device. do. Especially, automation devices are often installed in unmanned corners, illegally replacing the card insertion part to remove the card information, illegally installing the camera, taking customer keypad input, An accident is happening.

A problem to be solved by the present invention is to provide a financial transaction system and a method thereof using a mobile communication network capable of processing a banking service so that a password is not exposed by using a mobile communication terminal.

According to a first aspect of the present invention, there is provided a financial transaction system using a mobile communication network, including an automated device for transmitting transaction information and device identification information input from a user, And stores the financial information of the user, receives at least one of security information corresponding to the financial information and the transaction identification information from the user, and transmits the security transaction information to the safety transaction server The security transaction server transmits the financial information and the security information to the financial server, receives the transaction approval result from the financial server, and transmits the transaction approval result to the automation device.

Here, the financial information may be any one of bank account information, card information, coupon information, and point information of the user.

Here, the financial information may be linked to the financial server, and the financial server may determine whether to approve the transaction by determining whether the financial information and the corresponding security information are valid.

The safety transaction server performing the financial transaction in cooperation with the mobile terminal and the automation device according to the second aspect of the present invention may further include a communication unit for receiving at least one of the device identification information and the transaction information from the automation device, A transaction identification information generation unit for generating transaction identification information based on the transaction information and the device identification information, and a transaction identification information generation unit for obtaining transaction identification information from the mobile terminal, And transmits the transaction information corresponding to the received transaction information to the mobile terminal in response to the transaction information.

Here, the transaction information received from the automation equipment may be matched with the transaction identification information and stored in the database. When the transaction transaction processing unit receives the transaction identification information from the mobile terminal, The transaction information may be retrieved and transmitted to the mobile terminal.

Here, the financial transaction processing unit may transmit the financial information received from the mobile terminal to a financial server to request a transaction approval.

Here, the transaction identification information is displayed to the user through the automation device. The mobile terminal receives the transaction identification information from the user, transmits the transaction identification information to the safety transaction server, and transmits the transaction information received in response thereto And can be displayed to the user.

Here, the transaction identification information may be transmitted from the automation device to the mobile terminal through short-range communication.

In addition, the mobile terminal performing the financial transaction in cooperation with the safety transaction server and the automation apparatus according to the third aspect of the present invention may further include a user UI for providing a screen for inputting login information, transaction identification information, and security information to the user, A financial information manager for managing financial information of the user; and a security server for transmitting the financial information and the corresponding security information to the safety transaction server, And a communication unit for receiving the approval result.

Here, the financial transaction may be any one of cash withdrawal, account transfer, cash service withdrawal, cash service transfer, card settlement, coupon settlement, point settlement, point transfer and coupon transfer.

Here, the transaction identification information may be input to the mobile terminal by the user after being displayed on the automated device.

Here, the transaction identification information may be displayed in the form of a barcode on the automated device, and may be read by the mobile terminal.

Here, the bar code may be a QR code.

Here, the security information may be a password set in one or more financial information.

Here, the financial information and security information may be encrypted and transmitted to the secure transaction server.

In addition, an automated device performing a financial transaction in cooperation with the safety transaction server according to the fourth aspect of the present invention transmits the device identification information and the transaction information input from the user to the safety transaction server, A transaction identification number processing unit for receiving transaction identification information corresponding to the transaction identification information, and an output unit for outputting the received transaction identification information to a screen.

Here, the automation apparatus may further include a short range communication unit for providing the transaction identification information to the mobile terminal through short distance communication.

Here, the automation apparatus may further include a barcode generating unit for converting the transaction identification information into a barcode, and the barcode may be recognized by the mobile terminal.

According to a fifth aspect of the present invention, there is provided a financial transaction method using a safety transaction server, the method comprising: generating transaction identification information based on transaction information and device identification information received from an automation device, The server transmitting the transaction identification information to the automation device, receiving the transaction identification information input from the user from the mobile terminal, and transmitting the transaction identification information to the mobile terminal, Transmitting financial information from the mobile terminal to the financial server; receiving financial information and corresponding security information used for financial transactions from the mobile terminal; transmitting a transaction approval request including the received financial information and security information to a financial server; Receiving a transaction approval result from a financial server, To the automation device.

Here, the financial information may be one of bank account information, card information, coupon information, and point information stored in advance in the mobile terminal.

Here, the security information may be a password set for the financial information.

Here, the step of generating the transaction identification information may include receiving transaction information input by the user and device identification information of the automation device from the automation device, determining, based on the transaction information and the device identification information, Generating transaction information and matching the transaction information with the transaction identification information, and storing the transaction information.

Herein, the step of receiving the transaction identification information from the mobile terminal may include the step of inputting the transaction identification information displayed on the automated device to the mobile terminal by any one of the user's input, the local communication, and the barcode have.

The step of transmitting the transaction information may include searching for transaction information matching the transaction ID information received from the mobile terminal by the safety transaction server, To the mobile terminal.

Here, the step of receiving the financial information and the security information includes the steps of: the user checking the transaction information and the device identification information displayed on the mobile terminal; selecting one of the one or more financial information stored in the mobile terminal, Selecting the information, inputting the security information corresponding to the selected financial information from the user, and receiving the financial information and the security information from the mobile terminal.

The step of transmitting the transaction approval request to the financial server includes selecting the financial server for processing the financial information by the safety transaction server and transmitting the financial information and the security information to the selected financial server can do.

Here, if the financial transaction is a cash withdrawal service, the method may further include transmitting an amount corresponding to the transaction information from the automated device that has received the transaction approval result.

According to the embodiment of the present invention, since the banking service is processed by using the customer's mobile communication terminal without providing the card information and the password directly to the automation device, the banking service can be processed without exposing the personal information such as the card information and the password Copying and illegal use of the card can be prevented.

In addition, according to the embodiment of the present invention, it is possible to carry a plurality of cards in a customer's personal mobile communication terminal, so that it is not necessary to carry a plurality of plastic cards, and a mobile communication terminal and a bank automation device And can handle the banking business safely, so it is excellent in portability and immediacy.

Also, even if the mobile phone is lost, it is necessary to know the password for each card, and when using the authentication of the mobile communication company, it is possible to stop the function of all the cards stored in the mobile communication terminal by adjusting the authentication function of the mobile communication company. Good sex.

1 is a general schematic diagram of a financial transaction system using a mobile communication network according to an embodiment of the present invention.
2 is a detailed block diagram of a safety transaction server according to an embodiment of the present invention.
3 is a detailed configuration diagram of a mobile terminal according to an embodiment of the present invention.
4 is an overall flowchart of a financial transaction method using a mobile communication network according to an embodiment of the present invention.
5 is a flowchart illustrating a process of issuing transaction identification information among financial transaction methods according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a transaction processing process among financial transaction methods according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a transaction approval process of a financial transaction method according to an embodiment of the present invention.
8 to 10 are illustrations for explaining a process of performing a cash withdrawal service according to an embodiment of the present invention.
11 to 13 are exemplary diagrams illustrating a process of performing a money transfer service according to another embodiment of the present invention.
FIG. 14 is a detailed configuration diagram of an automation apparatus according to an embodiment of the present invention.

While the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.

In addition, various embodiments are described in connection with a user terminal that may be a wired terminal or a wireless terminal. The user terminal may also be a system, device, subscriber unit, subscriber station, mobile station, mobile, mobile terminal, remote station, remote terminal, access terminal, user terminal, terminal, communication device, user agent, user device, . A wireless terminal may be a cellular telephone, a satellite telephone, a wireless telephone, a Session Initiation Protocol (SIP), a wireless local loop (WLL) station, a PDA, a handheld device with wireless connectivity, a computing device, have.

The techniques described herein can be used for various mobile communication systems such as CDMA, TDMA, FDMA, OFDMA, and SC-FDMA. The terms "system" and "network" are used interchangeably.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a general schematic diagram of a financial transaction system using a mobile communication network according to an embodiment of the present invention.

1, a financial transaction system using a mobile communication network includes an automatic teller machine (ATM) 100, a secure transaction server 200, and a mobile terminal 300. In addition, the financial transaction system may further include a financial server 400 for processing financial transactions of banks, card companies, securities companies, coupon providers, and point providers.

The financial transaction system enhances security by using a mobile communication terminal such as a mobile phone, a smart phone, or a PDA as an auxiliary means in processing a banking service through a bank ATM.

At this time, financial transactions that can be processed using the financial transaction system include cash withdrawal, account transfer, cash service withdrawal, and cash service transfer. In addition, the financial transaction may include card settlement, coupon, or payment using a point.

The user can use financial information such as bank account information or card information stored in the mobile terminal 300 to perform a financial transaction using the financial transaction system. Also, the user can input the password through the mobile terminal 300 without inputting the password directly to the automation device.

The automation device 100 receives transaction information on a financial transaction from a user and transmits the input transaction information to the safety transaction server 200 together with the device identification information of the corresponding automatic device 100. The device identification information has a unique value for each automation device (100).

On the other hand, the automated teller machine 100 receives transaction identification information corresponding to the transmitted transaction information from the secure payment server 200. Thereafter, the automation apparatus 100 can display the received transaction identification information to the user through the display screen.

The safety transaction server 200 generates transaction identification information on the financial transaction based on the transaction information and the device identification information transmitted from the automation apparatus 100.

Specifically, the safe transaction server 200 receives transaction information on a financial transaction, for example, a transaction type, a transaction amount, a counterpart account number to be transferred, etc. inputted by the user through the automatic apparatus 100, , And receives a device unique number capable of identifying the corresponding automation device. In addition, the safety transaction server 200 may generate transaction identification information for the financial transaction and transmit the transaction identification information to the automation device 100. The transmitted transaction identification information may be displayed on the screen of the automatic apparatus 100 and exposed to the user. At this time, the user can input the transaction identification information displayed on the screen of the automation apparatus 100 to the mobile terminal 300, and receive the corresponding transaction information from the safety transaction server 200.

Meanwhile, the transaction identification information may be transmitted from the automation device 100 to the mobile terminal 300 using short-range communication such as NFC, Bluetooth, RFID, ZigBee, and infrared communication. In this case, the automation apparatus 100 transmits the transaction identification information to the mobile terminal 300 using the short-range communication unit 130, which will be described later. The mobile terminal 300 includes a short-range communication unit (not shown) ). ≪ / RTI >

Meanwhile, the transaction identification information may be transmitted from the automation device 100 to the mobile terminal 300 using barcode information such as a barcode or a QR code. In this case, the automation apparatus 100 transmits the barcode or QR code to the mobile terminal 300 using the output unit 120 to be described later, and the mobile terminal 300 transmits the barcode or the QR code to the barcode And a processing unit (not shown).

In addition, the user selects financial information such as bank account information or card information to be used for the financial transaction through the mobile terminal 300, and transmits the selected financial information and corresponding security information (for example, a password or an authorized certificate information Etc.), the safe transaction server 200 receives the financial information and the security information, and transmits the financial information and the security information to the financial server 400 of the corresponding financial company to request a transaction approval.

The financial server 400 is a financial transaction server provided by a financial institution such as a bank, a credit card company, or a securities company that processes financial transactions. The financial server 400 provides financial information in a form that can be stored in the mobile terminal 300 of the user, and stores security information corresponding to the financial information.

When the financial server 400 receives the transaction information and the financial information and the security information for processing the transaction information from the safety transaction server 200, the financial server 400 confirms the validity of the financial information and the security information, have. The transaction approval result may be displayed on the screen of the automation device 100 and the mobile terminal 300 through the safety transaction server 200. [

Next, the detailed configuration of the secure transaction server 200 will be described in detail with reference to FIG.

2 is a detailed block diagram of a safety transaction server according to an embodiment of the present invention.

2, the safety transaction server 200 includes an automatic device authentication unit 210, a transaction identification information generation unit 220, a financial transaction processing unit 230, a communication unit 240, and a database 250 do.

The automatic device authentication unit 210 authenticates the validity of the automatic device 100 using the device identification information received from the automatic device 100. [ If there is no automatic device 100 information matching the received device identification information or the automatic device 100 can not process the financial transaction according to the present invention, the device authentication fails, (100) and displayed on the screen.

The automatic device authentication unit 210 may separately manage the list of the automated devices and the related device information that can be financially traded according to the present invention or may receive the necessary information from the financial company that directly operates the automatic device 100 .

The transaction identification information generation unit 220 generates transaction identification information on the financial transaction using the transaction information and the device identification information received from the automatic device 100. The transaction identification information is one-to-one matched to the financial transaction and can have a unique value. In addition, the transaction identification information generating unit 220 may store the generated transaction identification information in a database 250 to be described later to be matched with the transaction information.

The generated transaction identification information may be transmitted to the automation apparatus 100 through the communication unit 240 to be described later and displayed on the screen. At this time, the user can visually confirm the transaction identification information displayed on the screen of the automatic apparatus 100 and input the transaction identification information to the mobile terminal 300. [ Alternatively, transaction identification information may be transmitted between the automation device 100 and the mobile terminal 300 using short-distance communication. In this case, the automation apparatus 100 and the mobile terminal 300 may further include a short-range communication module for performing short-range communication.

The financial transaction processing unit 230 receives the transaction identification information from the mobile terminal 300 and searches for transaction information matched in the database 250, which will be described later, as a key value. Thereafter, the financial transaction processing unit 230 may transmit the discovered transaction information to the mobile terminal 300.

The financial transaction processing unit 230 receives financial information (for example, bank account information or card information) received from the mobile terminal 300 and security information (for example, authorized certificate information or password, etc.) To the financial server 400 via the communication unit 240, which will be described later, to request a transaction approval. At this time, the financial server 400 is a financial transaction server operated by a bank or card company corresponding to the financial information. At this time, the financial information and the security information transmitted to the financial transaction processing unit 230 may be transmitted in an encrypted state.

The communication unit 240 communicates with the automatic device 100 and receives device identification information and transaction information from the automatic device 100.

The communication unit 240 may communicate with the mobile terminal 300 and receive financial information and security information from the mobile terminal 300.

The communication unit 240 communicates with the financial server 400 and transmits financial information, security information, and transaction information for requesting transaction approval to the financial server 400, and receives a transaction approval result in response thereto .

The database 250 stores device identification information and transaction information of the automation apparatus 100. At this time, the transaction information may be stored so as to be matched with the corresponding transaction identification information.

Next, the detailed configuration of the mobile terminal 300 will be described.

3 is a detailed configuration diagram of a mobile terminal according to an embodiment of the present invention.

3, the mobile terminal 300 may include a user authentication unit 310, a financial information management unit 320, a user UI 330, and a communication unit 340. The mobile terminal 300 may further include a local communication unit (not shown) and / or a barcode processing unit (not shown) according to the format in which the transaction identification information is provided from the automatic device 100.

The user authentication unit 310 performs authentication of the user using the login information input from the user. The user authentication unit 310 may transmit login information to the secure transaction server 200 and receive a result of the login information to perform login to the user.

The financial information management unit 320 manages the financial information of the user. Specifically, the financial information includes the bank account information of the user, the credit card information possessed by the user, and the like, and may be provided in a form that can be stored in the mobile terminal 300 from the financial company. The financial information management unit 320 may manage one or more financial information and may store it in the memory of the mobile terminal 300, USIM, or other storage device.

The user UI 330 may provide an input menu for a user to input login information, transaction identification information, security information, and the like, and may provide an output screen for informing a user of necessary information.

The communication unit 340 transmits the financial information and corresponding security information to the safe transaction server 200 and receives a transaction approval result for the financial transaction. The communication unit 340 may use a mobile communication network, or may use a wireless network such as Wifi or Bluetooth.

The local communication unit (not shown) can receive the transaction identification information from the automation apparatus 100 using the local communication. Such local communication may include, for example, NFC, Bluetooth, RFID, ZigBee, infrared communication, and the like. In this case, the short-range communication unit may generate a short-distance communication link with the short-range communication unit 130 of the automatic apparatus 100, and may receive the transaction identification information through the communication link.

The bar code processing unit (not shown) reads the bar code displayed on the screen of the automatic apparatus 100 and acquires transaction identification information on the transaction information. The barcode processing unit may identify not only a linear barcode that is a one-dimensional barcode but also a two-dimensional barcode, for example, a matrix type barcode such as a QR code, and a multilayer type barcode.

Next, the detailed configuration of the automation apparatus 100 will be described.

FIG. 14 is a detailed configuration diagram of an automation apparatus according to an embodiment of the present invention.

As shown in FIG. 14, the automation apparatus 100 may include a transaction identification number processing unit 110, an output unit 120, and a local communication unit 130. In addition, the automation apparatus 100 may further include a barcode generation unit (not shown) according to a format for providing transaction identification information to the mobile terminal 300.

The transaction identification number processing unit 110 transmits the device identification information and the transaction information received from the user to the safety transaction server 200 and transmits the transaction identification information Information is received.

The output unit 120 displays the transaction identification information on the corresponding transaction received from the safety transaction server 200 on the screen. Also, the output unit 120 may display various notifications, announcements, and financial transaction results transmitted from the safety transaction server 200 on the screen.

The short range communication unit 130 transmits the transaction identification information received from the safety transaction server 200 to the mobile terminal 300 using the short distance communication. Examples of such short-range communications may include NFC, RFID, Bluetooth, ZigBee, and the like. For example, the short range communication unit 130 may transmit transaction identification information to the mobile terminal 300 using NFC communication. In this case, the short-range communication unit 130 transmits the transaction identification information through the NFC antenna, and the user can access the NFC antenna through the mobile terminal 300 to acquire the transmitted information.

The barcode generating unit (not shown) converts the transaction identification information received from the safety transaction server 200 into a barcode and displays it on the screen. Such a barcode may include not only a linear barcode that is a one-dimensional barcode but also a two-dimensional barcode, for example, a matrix-type barcode such as a QR code, and a multilayer barcode.

Next, an example of processing a cash withdrawal service as an embodiment of the present invention will be described with reference to FIGS. 8 to 10. FIG. In order to facilitate the description, the financial transaction service according to the present invention will be referred to as "smart bank ".

FIGS. 8A to 8D and 9A to 9F illustrate a process performed by the automation apparatus 100. FIGS. 10A to 10F illustrate a process of the automation apparatus 100, FIG. 4 is a flowchart illustrating an operation of the controller 300 according to an embodiment of the present invention.

First, the user selects a cash withdrawal service from the initial menu screen of the automatic apparatus 100 (S802). Next, a smart bank is selected on the screen of the automatic apparatus 100 (S804), the amount to be withdrawn is inputted, and if a confirmation button is pressed (S806), a transaction identification number for the corresponding cash withdrawal transaction is displayed on the screen (S808) .

Thereafter, the user inputs the displayed transaction identification number to the mobile terminal 300 and presses the confirmation (S810), and the transaction information corresponding to the transaction identification information is displayed on the screen (S812). Such transaction information may include information on the automation device, the type of transaction, and the amount to be withdrawn.

Thereafter, the available card information is displayed on the screen, and the user selects a card to process the financial transaction in the list (S814), and inputs a password for the card (S816). Thereafter, the approval process is performed for the transaction (S818), and the transaction process result is displayed on the screen of the mobile terminal 300 and the automation device 100 (S820). Thereafter, the user can send the corresponding cash at the cash dispensing port of the automation apparatus 100. [

Next, an example of processing a money transfer service as another embodiment of the present invention will be described with reference to Figs. 11 to 13. Fig.

Figs. 11A to 11D and Figs. 12E to 12G illustrate a process performed by the automation apparatus 100, and Figs. The mobile terminal 300 interacts with the mobile terminal 100 according to an embodiment of the present invention.

First, the user selects the account transfer service from the initial menu screen of the automatic device 100 (S1102). Next, the smart bank is selected on the screen of the automatic machine 100 (S1104), the amount to be transferred is inputted (S1106), and the bank and the account number of the other party to be transferred are inputted (S1108, S1110) Is displayed (S1112). At this time, the transaction identification information can be displayed by a number and / or character that can be identified by the user, and can be displayed with a barcode that can be identified using the barcode scanner. As shown in FIG.

Then, the user inputs the displayed transaction identification number to the mobile terminal 300 and presses the confirmation (S1114), and the transaction information corresponding to the transaction identification information is displayed on the screen (S1116). Such transaction information may include information on the automation device, type of transaction, name of recipient, bank, account number, and amount to be transferred.

At this time, the transaction identification information may be input from the automation apparatus 100 to the mobile terminal using a local communication unit (not shown) or a barcode processing unit (not shown) of the mobile terminal 300. In the case of using the short distance communication, the user may access the mobile terminal 300 to the automation device 100 to obtain the transaction identification information.

Thereafter, the available card information is displayed on the screen, and the user selects a card to process the financial transaction in the list (S1118), and inputs a password for the card (S1120). Thereafter, the approval procedure is performed for the transaction (S1122), and the transaction processing result is displayed on the screen of the mobile terminal 300 and the automatic apparatus 100 (S1124).

In the above description, cash withdrawal and account transfer are described as examples. However, the rights of the present invention are not limited thereto, and the cash service withdrawal, cash service transfer, card settlement, coupon settlement, The present invention can also be applied to transfer and coupon transfer.

Next, a process of performing a financial transaction using a mobile communication network will be described with reference to FIGS.

4, the financial transaction method according to the present invention includes the steps of issuing transaction identification information in the safety transaction server 200 in cooperation with the automation device 100 (S310) (S300) of processing the financial transaction in cooperation with the mobile terminal (300) using the transaction identification information, and performing a transaction approval procedure for the financial transaction through the financial server (400) do.

The respective steps will be described with reference to Figs. 5 to 7.

5 is a flowchart illustrating a process of issuing transaction identification information.

First, when the user inputs transaction information through the automation device 100 (S102), the transaction information input by the user and the device identification information of the automation device are transmitted to the safety transaction server 200 (S104).

Thereafter, the safety transaction server 200 authenticates the validity of the corresponding automation device 100 using the received device identification information (S106), and transmits the authentication result to the security transaction server 200 using the received transaction information and device identification information And generates transaction identification information (S108). At this time, the transaction information may be matched with the generated transaction identification information and stored in the database 250. Thereafter, the safety transaction server 200 transmits the generated transaction identification information to the automatic apparatus 100, and the corresponding transaction identification information is displayed on the screen of the automatic apparatus 100 and can be recognized by the user.

Next, FIG. 6 is a flowchart for explaining a process of processing a financial transaction.

The user operates the transaction client program in the mobile terminal 300 (S302), and inputs transaction identification information through the input screen provided by the user UI 330 (S304). At this time, the input of the transaction identification information to the mobile terminal 300 may be directly received by the user, and may be directly received from the automation device 100 to the mobile terminal 300 using short range communication.

Thereafter, the inputted transaction identification information is transmitted to the safe transaction server 200 (S306), and the safe transaction server 200 extracts matching transaction information from the database 250 using the received transaction identification information (S308 ).

Then, the safety transaction server 200 transmits the transaction information and the device identification information to the mobile terminal 300 to display the transaction information and the device identification information on the screen of the mobile terminal 300 (S310).

Thereafter, the transaction information and the device identification information displayed on the surface of the mobile terminal 300 are confirmed by the user (S312). If there is no problem with the transaction information, the user can use the bank account information for processing the financial transaction Card information, and the like, inputs security information corresponding thereto, and approves the transaction (S314). Thereafter, a transaction approval procedure is performed through the financial server 400 using the financial information and security information input by the user.

7 is a flowchart for explaining a transaction approval process.

First, the mobile terminal 300 encrypts the financial information and the security information (S504), and the financial information and the security information are transmitted to the secure transaction server 200 in an encrypted form (S506). At this time, the user authentication process may be performed for the user (S502).

Then, the safety transaction server 200 transmits the received financial information and security information to the financial server 400 to request a transaction approval (S508). The financial server 400 decrypts the received financial information and security information (S510), and determines whether to approve the transaction based on the decrypted financial information and security information. Thereafter, the transaction approval result is transmitted to the mobile terminal 300 and the automation device 100 through the safety transaction server 200 and displayed on the screen (S512).

One embodiment of the present invention may also be embodied in the form of a recording medium including instructions executable by a computer, such as program modules, being executed by a computer.

Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media.

In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims. There will be.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Automatic Teller Machine (ATM)
200: Safety Transaction Server
300: mobile terminal
400: financial server

Claims (6)

A safety transaction server for performing a financial transaction in cooperation with a mobile terminal and an automation device,
An automation device authentication unit for performing an authentication process on the automation device based on device identification information transmitted from the automation device by a user selecting a financial transaction in the automation device;
Transaction identification information having a unique value to be matched to the corresponding financial transaction using the transaction type, the transaction amount, the transaction information including the counterpart account number to be transferred, and the device identification information transmitted from the automation device A transaction identification information generating unit for generating a transaction identification information;
Receiving the information including the device identification information and the transaction information from the automation device, transmitting the transaction identification information generated in the transaction identification information generation unit to the automation device, and transmitting the transaction identification information transmitted from the mobile terminal Receiving a transaction approval result transmitted from a financial server, and transmitting the transaction approval result to the mobile terminal and the automation device;
Receiving the transaction identification information from the mobile terminal is input to the mobile terminal after being displayed on the display screen of the automation device by transmitting the generated transaction identification information to the automation device.
And a financial processor for receiving encrypted financial information and security information for the financial information from the mobile terminal and transmitting the encrypted financial information and security information to the financial server through the communication unit to request transaction approval, ;
The financial server decrypts the received encrypted financial information and security information to determine whether to approve the financial transaction, and then transmits a transaction approval result of the financial transaction to the communication unit.
Wherein the transaction information received from the automation device is matched with the transaction identification information and stored in the database, and the financial transaction processing unit, when receiving the transaction identification information from the mobile terminal, And transmitting the transaction information to the mobile terminal. The mobile terminal according to claim 1,
delete delete The method according to claim 1,
Wherein the transaction identification information is input from the automation device to the mobile terminal through short range communication. delete 5. The method of claim 4,
The method as claimed in claim 1, wherein the transmitting of the transaction identification information using the short-range communication is one of NFC, Bluetooth, RFID, Zigbee, and infrared communication.

Images