KR101897224B1 - Method of providing multi-fintech service, multi-fintech terminal, and multi-fintech system performing the same - Google Patents

Method of providing multi-fintech service, multi-fintech terminal, and multi-fintech system performing the same Download PDF

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Publication number
KR101897224B1
KR101897224B1 KR1020160001943A KR20160001943A KR101897224B1 KR 101897224 B1 KR101897224 B1 KR 101897224B1 KR 1020160001943 A KR1020160001943 A KR 1020160001943A KR 20160001943 A KR20160001943 A KR 20160001943A KR 101897224 B1 KR101897224 B1 KR 101897224B1
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South Korea
Prior art keywords
pin
tech
service
server
request
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KR1020160001943A
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Korean (ko)
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KR20170082764A (en
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조원호
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주식회사 코밴
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/22Social work
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communication
    • H04L9/08Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0861Generation of secret information including derivation or calculation of cryptographic keys or passwords
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communication
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226Cryptographic mechanisms or cryptographic arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3231Biological data, e.g. fingerprint, voice or retina

Abstract

The integrated pin tech service providing method includes a step in which the integrated pin tech terminal receives pin tech request information for a selected one of the plurality of pin tech services, the integrated pin tech terminal senses the user's biometric information, Receiving a pin tech service request including pin tech request information and biometric information from an integrated pin tech terminal, receiving a user authentication request including biometric information from a pin tech relay server, A step in which the PingTech relay server searches for a PingTech service server corresponding to the PingTech request information, and a step in which the PingTech relay server transmits the PingTech service server to the PingTech service server, Transmitting the service processing request, and transmitting the service processing request from the PinTech service server Receiving the processing result, and transmitting the service processing result to the integrated pin technology terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to a method of providing an integrated pin tech service, an integrated pin tech terminal for performing the integrated pin tech service, and an integrated pin tech system,

The present invention relates to a FinTech system, and more particularly, to a method for providing an integrated pin tech service, an integrated pin tech terminal for performing the integrated pin tech service, and an integrated pin tech system.

Automation equipment provides financial services to users. For example, an automated teller machine (ATM) is connected to a bank system network to provide banking services such as deposits, withdrawals, remittances, and transfers.

In recent years, various security vulnerabilities have become a problem in providing financial services to users by using automated devices. For example, there are problems such as acquiring magnetic information of a card from an ATM to duplicate a card. As a result, the cost of operating an automation device is increasing, and the number of automation devices operating to reduce the cost is decreasing.

On the other hand, in areas where infrastructure is relatively insufficient for financial services such as developing countries, remote areas, etc., it is difficult for users to receive desired financial services through automation equipment.

It is an object of the present invention to provide a method of providing an integrated pin tech service that can provide various pin tech services to a user through one integrated pin tech terminal.

It is another object of the present invention to provide an integrated pin tech terminal for performing the integrated pin tech service providing method.

It is still another object of the present invention to provide an integrated pin tech system for performing the integrated pin tech service providing method.

It should be understood, however, that the present invention is not limited to the above-described embodiments, and may be variously modified without departing from the spirit and scope of the present invention.

In order to accomplish one object of the present invention, a method for providing a pin tech service according to embodiments of the present invention is a method in which an integrated Fin tech terminal receives pin tech request information for a selected one of a plurality of pin tech services Receiving the PIN tech service request including the PIN tech request information and the biometric information from the integrated PIN tech terminal by the PIN tech relay server, sensing the biometric information of the user by the integrated PIN tech terminal, The TECH user verification server receives a user authentication request including the biometric information from the PINTECH relay server and performs user authentication using the biometric information, Searching for a PinTech service server that is connected to the PinTech service server, Transmitting a PIN tech service request including pin-tec request information, and receiving the service process result from the PIN-tech service server, and transmitting the service process result to the integrated PIN-tech terminal Step < / RTI >

According to an embodiment, the integrated PIN tech terminal performs an electronic signature on the PIN tech request information, and the PIN tech integrity certificate server receives an integrity verification request for the PIN tech request information from the PIN tech service server And verifying the integrity of the electronic signature with the PIN tech integrity verification server.

According to an embodiment, the PIN-TECH integrity verification server receives an integrity verification request for the PIN-TECH REQUEST information from the PIN-TECH SERVICE SERVER, the PIN-TECH integrity verification server sends verification request information to the user terminal, And verifying the integrity of the pin tex request information.

According to one embodiment, the plurality of PINTECH services may include at least one of a card settlement service, a bank service, an insurance service, a utility bill settlement service, and a digital donation service.

According to one embodiment, the biometric information is encrypted using the public key in the integrated PIN-tech terminal, and decrypted using the private key corresponding to the public key in the PIN-tech user verification server.

In order to accomplish one object of the present invention, there is provided a method for providing an integrated pin tech service according to embodiments of the present invention includes: receiving a pin tech request information for a selected one of a plurality of pin tech services, The integrated PIN-tech terminal senses the user's biometric information, the PIN-tech user verification server receives a user authentication request including the biometric information from the integrated PIN-tech terminal, and performs user authentication using the biometric information Receiving a PIN tech service request including the PIN tech request information from the integrated PIN tech terminal, the PIN tech relay server retrieving a PIN tech service server corresponding to the PIN tech request information The PIN-tech relay server sends the PIN-tech request information to the PIN-tech service server And transmitting the service process result to the integrated pin-tec terminal, wherein the service provider can receive the service process result from the pin-tec service server and transmit the service process result to the integrated pin- have.

According to another aspect of the present invention, there is provided an integrated pin-tact terminal comprising: a plurality of pin-tec service modules for providing a user interface for each of a plurality of pin- A biometric information sensing unit for sensing the biometric information of the user, and a server interworking unit for transmitting the PIN tech request information and the PIN tech service request including the biometric information to the PIN tech relay server.

According to one embodiment, the PINTECH service modules may include at least one of a card settlement service module, a bank service module, an insurance service module, a utility bill settlement service module, and a digital donor service module.

According to an embodiment, the biometric information sensing unit can encrypt the biometric information using a public key.

According to another aspect of the present invention, there is provided an integrated pin tech system comprising: a pin tact service request receiving unit that receives a pin tact service request including pin tact request information and biometric information, A PIN tech relay server for transmitting a PIN tech service request including the PIN tech request information to the PIN tech service server, and a user authentication request including the biometric information from the PIN tech relay server, And a PIN tech user verification server for performing user authentication using the biometric information.

According to an embodiment, the terminal may further include a PIN tech integrity verification server for receiving an integrity verification request including the PIN tech request information from the PIN tech service server and verifying integrity of the PIN tech request information.

The integrated PIN tech service providing method according to embodiments of the present invention can be implemented by using a single integrated PIN tech terminal to provide a card settlement service, a bank service, an insurance service, a utility bill settlement service, a donation service, a ticketing service Can provide customers with a variety of pin tech services. Therefore, in areas where infrastructure is relatively insufficient, such as developing countries, remote areas, etc., it is possible to provide various pin-tec service to customers through pin-tec integrated pin-tec phone.

The integrated pin tech terminal according to the embodiments of the present invention can reduce costs by providing various pin tech services in unison.

The PINTECH system according to the embodiments of the present invention can integrally perform user authentication using a PINTECH user verification server that performs user authentication using biometric information (e.g., fingerprint recognition). Also, the PINTECH system can integrally perform integrity verification using a PINTECH integrity verification server that verifies the integrity of the PINTECH request information transmitted from the integrated PINTECH terminal to the PINTECH service server. Thus, the PinTech system can have high security.

However, the effects of the present invention are not limited to the above effects, and may be variously extended without departing from the spirit and scope of the present invention.

1 is a block diagram illustrating an integrated pin tech system in accordance with embodiments of the present invention.
2 is a block diagram illustrating an example of an integrated pin-tact terminal included in the integrated pin-tec system of FIG.
FIG. 3 is a block diagram illustrating an example of a PinTech relay server and a PinTech user verification server included in the integrated pin technology system of FIG. 1. FIG.
4 is a flowchart illustrating a method of providing an integrated pin tech service according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing an integrated pin tech service according to another embodiment of the present invention.
6 is a flowchart illustrating a method of providing an integrated pin tech service according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The same or similar reference numerals are used for the same components in the drawings.

1 is a block diagram illustrating an integrated pin tech system in accordance with embodiments of the present invention. 2 is a block diagram illustrating an example of an integrated pin-tact terminal included in the integrated pin-tec system of FIG. FIG. 3 is a block diagram illustrating an example of a PinTech relay server and a PinTech user verification server included in the integrated pin technology system of FIG. 1. FIG.

1 to 3, the integrated pin tech system includes a pin tech relay server 200, a pin tech user verification server 300, a plurality of pin tech service servers 500-1 to 500-6, And a integrity verification server 600. [

The integrated pin technology terminal 100-i may generate pin tech request information for one of the plurality of pin tech services selected by the user, and may transmit the pin tech request information to the pin tech relay server 200.

In one embodiment, the integrated pin-tex terminal 100-i includes a plurality of pin-tex service modules 120, a biometric information sensing unit 130, a server interlock unit 140, a display unit 150, (Not shown).

A plurality of PinTech service modules 120 may provide a user interface for each of a plurality of PinTech services to generate PinTech request information. That is, the plurality of pin-tec service modules 120 generate a user interface for each of the plurality of pin-tec services so that the integrated pin-tec terminal 100-i can provide various pin-tec services to the user, Can generate pin tex request information for the selected pin tex service of the user.

In one embodiment, the PINTECH service modules 120 include a card payment service module 121, a bank service module 122, an insurance service module 123, a utility billing service module 124, 125, and a ticketing service module 126. For example, the card settlement service module 121 may provide a user interface for supporting card settlement services such as credit card settlement, debit card settlement, cash card settlement, and smart card settlement. The banking service module 122 may provide a user interface to support banking services such as balance inquiry, deposit, withdrawal, remittance, and payment. The insurance service module 123 may provide a user interface to support insurance services such as issuing insurance policies, changing insurance contracts, and inquiring credit information. The utility bill settlement service module 124 may provide a user interface for supporting utility bill settlement services such as utility bill settlement, water bill settlement, electricity bill settlement, and telephone bill settlement. The digital donation service module 125 may provide a user interface for supporting the digital donation service. The ticketing service module 126 may provide a user interface for supporting various ticket booking services.

The biometric information sensing unit 130 can sense the biometric information of the user. Here, the biometric information represents information unique to a user, such as fingerprint information, iris information, voice information, and face information. The biometric information sensing unit 130 can encrypt the sensed biometric information to prevent the biometric information from being leaked or used in duplicate. In one embodiment, the biometric information sensing unit 130 may encrypt biometric information using a public key. The biometric information sensing unit 130 encrypts the biometric information by using the public key corresponding to the private key possessed by the PIN tech user verification server 300 or encrypts the biometric information together with at least a part of the user identification information or PIN tech request information . For example, when the user selects the withdrawal service, the biometric information sensing unit 130 can encrypt the biometric information and the withdrawal account number together.

The server interworking unit 140 may transmit a PIN tech service request including pin tech request information and biometric information to the PIN tech relay server 200. [ The server interworking unit 140 may be connected to the Pin-Tech relay server 200 through various communication methods. For example, the server interworking unit 140 may be a cellular communication system (for example, LTE, LTE-A, CDMA, WCDMA, UMTS, WiBro, GSM, , Wibro, etc.) or a wired communication method (e.g., Ethernet, xDSL, etc.).

The display unit 150 may include a display device capable of visually transmitting information to a user. For example, the display unit 150 may be a liquid crystal display or an organic light emitting display. In one embodiment, the display unit 150 may include a touch panel to easily receive a user's command.

The input / output unit 160 may input information to the integrated pin-tact terminal 100-i or may output information for delivery to the user. The input / output unit 160 may include an output unit such as a thermal printer, a speaker, and a vibration motor, and an input unit such as a button or a microphone. For example, the input / output unit 160 may issue an insurance certificate to the user using the thermal printer.

The pin tech relay server 200 receives the pin tech service request from the integrated pin tech terminal 100-i and transmits the pin tech request information corresponding to the pin tech request information among the plurality of pin tech service servers 500-1 to 500-6 You can search the PinTech service server. That is, the PingTech relay server 200 searches for a PingTech service server corresponding to a service selected by the user among the plurality of PingTech services, and connects the integrated PingTech terminal 100-i to the PingTech service server .

In one embodiment, the PinTech relay server 200 may include a validation unit 210, a service profile storage unit 220, a server selection unit 230, and a service request unit 240.

The validity checking unit 210 may check the validity of the PINTECH service request received from the integrated PINTEE terminal 100-i. For example, the validation unit 210 can check whether the integrated PIN tech terminal 100-i that has transmitted the received PIN tech service request is a registered terminal, whether the PIN tech request information is valid, and the like have.

The service profile storage unit 220 may store the relationship between the pin tech service code and the pin tech service server information. Here, the PINTECH service code represents a key value for identifying a plurality of PINTECH services. The PINTECH service server information may include communication information for the PINTECH service server and the like. In one embodiment, the security option may be stored in the service server information to differently set security according to the type of the pin tech service. For example, when conducting a ticketing service, security options may be set such that no user authentication or integrity verification is performed.

The server selecting unit 230 may derive the service server information using the pin tech service code included in the pin tech request information and select the pin tech service server. For example, the server selection unit 230 checks the PIN tech service code included in the PIN tech request information, and when the PIN tech service code corresponds to the withdrawal service during the bank service, the PIN tech service servers 500-1 To 500-6, the second PIN tech service server 500-2 corresponding to the bank service.

The service requesting unit 240 may transmit a pin tech service processing request including pin tech request information to the selected pin tech service server. The server requesting unit 240 can be connected to the pin tech service servers 500-1 to 500-6 through various communication methods. For example, the service request unit 240 may be connected to the PIN tech service servers 500-1 to 500-6 via a private communication network, a virtual private network, or the like. The service request unit 240 may be connected to the PinTech service server selected as a communication method corresponding to the selected PinTech service server.

The PINTECH user verification server 300 receives a user authentication request including biometric information from the PINTECH relay server 200, and can perform user authentication using biometric information.

In one embodiment, the PINTECH user verification server 300 may include an authentication processing unit 310 and an authentication information storage unit 320.

The authentication processing unit 310 can verify whether the user is a legitimate user by comparing the biometric information included in the user authentication request with the authentication information of the user stored in the authentication information storage unit 320. [

The authentication information storage unit 320 may store user authentication information. In one embodiment, the authentication information storage 320 may include a database management system. For example, the database management system may store an authentication information entity having an attribute of <PINTECH service code, user service key, and biometric information>.

Each of the plurality of PIN tech service servers 500-1 to 500-6 can provide a PIN tech service to the user by processing the PIN tech service request. In one embodiment, each of the plurality of PINTECH service servers 500-1 to 500-6 is a PINTECH service, such as a bank service, a card settlement service, an insurance service, a utility bill settlement service, a digital donation service, Lt; / RTI &gt; For example, the second PinTech service server 500-2 may be a banking computer system as a server for providing banking services, or may be a linking system linked to a banking computer system.

The pin tech integrity verification server 600 can receive the integrity verification request including the pin tech request information from the pin tech service servers 500-1 to 500-6 and verify the integrity of the pin tech request information .

In one embodiment, the pin tech integrity verification server 600 may verify the integrity of the electronic signature of the pin tech request information. For example, the integrated PIN-tech terminal 100-i may derive a hash value for the PIN-tech request information and perform digital signature on the PIN-tech request information by encrypting the hash value using the private key. The PIN tech integrity verification server 600 can verify the integrity of the PIN tech request information by decrypting the encrypted hash value using the public key corresponding to the private key.

In another embodiment, the pin tech integrity verification server 600 may verify the integrity of the pin tech request information by sending verification request information to the user terminal. For example, the PIN tech integrity verification server 600 may transmit PIN tech request information to a user terminal through a short message service (SMS). The PIN tech integrity verification server 600 can verify the integrity of the PIN tech request information by receiving a response message via SMS from a user terminal or receiving a response message via HTTP (hyper text transfer protocol) protocol.

Accordingly, the integrated pin-tec system can provide various pin-tec services such as a card settlement service, a bank service, an insurance service, a utility bill settlement service, a donation service, and a ticketing service through a single integrated pin- . In addition, the integrated pin tech system can integrally perform user authentication and integrity verification of the message using the pin tech user verification server 300 and the pin tech integrity verification server 600.

4 is a flowchart illustrating a method of providing an integrated pin tech service according to an embodiment of the present invention.

Referring to FIG. 4, a method of providing an integrated pin tech service includes the steps of connecting an integrated pin tech terminal 100-i to a plurality of pin tech service servers through a pin tech relay server 200, 100-i) to provide various pin tech services to the user.

The integrated pin technology terminal 100-i may receive pin tech request information for a selected one of the plurality of pin tech services (S105). The integrated pin tech terminal 100-i provides a user interface for a plurality of pin tech services, and a user can select a pin tech service and input pin tech request information. In one embodiment, the plurality of PINTECH services may include at least one of a card payment service, a banking service, an insurance service, a utility billing service, or a digital donation service.

The integrated pin-tact terminal 100-i can sense the user's biometric information (S110). In one embodiment, the biometric information may be one of fingerprint information, iris information, voice information, and face information. The sensed biometric information may be encrypted to prevent it from being leaked or used in duplicate. In one embodiment, the biometric information may be encrypted using the public key in the integrated PIN-tech terminal 100-i. For example, the biometric information may be encrypted alone or with at least some of the user identification information or PIN tech request information using a public key corresponding to the private key of the PIN-TEK user verification server 300. [ For example, if the user selects the withdrawal service, the biometric information and the withdrawal account number can be encrypted together.

The integrated PIN tech terminal 100-i may perform digital signature on the pin tech request information (S115). For example, the integrated PIN-tech terminal 100-i derives a hash value for pin-tec request information to ensure integrity of the pin-tec request information, encrypts the hash value using the private key, It is possible to perform digital signature on the information.

The PIN tech relay server 200 receives the PIN tech service request including the PIN tech request information and the biometric information from the integrated PIN tech terminal 100-i (S120) and confirms the validity of the received PIN tech service request (S125). The integrated PIN-tech terminal 100-i may be connected to the PIN-tech relay server 200 through various communication methods. For example, the integrated pin-tech terminal 100-i may be a cellular communication system (e.g., LTE, LTE-A, CDMA, WCDMA, UMTS, WiBro, GSM, (E.g., Wi-Fi, Wibro, etc.) or a wired communication method (e.g., Ethernet, xDSL, etc.). Also, the PIN-TECH REGISTRATION SERVER 200 can check whether the integrated PIN-tech terminal 100-i that has transmitted the received PIN-tech service request is a registered terminal, whether the PIN-tech request information is valid or not have.

The PIN tech user verification server 300 receives a user authentication request including biometric information from the PIN tech relay server 200 (S130), and performs user authentication using the biometric information (S132). In one embodiment, the PINTECH user verification server 300 may decrypt the biometric information encrypted using the public key in the integrated PINTECH terminal 100-i using the private key corresponding to the public key. The PINTECH user verification server 300 may store the authentication information of the user. For example, the user verification server 300 may include a database management system, and the database management system may include an authentication information entity having an attribute of <PINTECH service code, user service key, and biometric information> Can be stored. The PINTECH user verification server 300 can verify whether the user is a legitimate user by comparing the biometric information included in the user authentication request with the authentication information of the user stored in the database management system.

The PIN tech relay server 200 receives a response to the user authentication request in step S135 and searches the PIN tech service server 500-j corresponding to the PIN tech request information in step S140. The pin tech relay server 200 can derive the service server information using the pin tech service code included in the pin tech request information and select the pin tech service server 500-j. For example, the PIN-TECH relay server 200 confirms the PIN-TECH service code included in the PIN-TECH REQUEST INFORMATION, and if the PIN-TECH service code corresponds to the withdrawal service during the bank service, Can select the corresponding pin tech service server 500-j.

The pin-tx relay server 200 may transmit the pin-tec service processing request including the pin-tec request information to the selected pin-tec service server 500-j (S145). The pin-tx relay server 200 can be connected to the pin-tec service servers through various communication methods. For example, the PingTech relay server 200 may be connected to the PingTech service servers through a private communication network, a virtual private network, or the like. The pin tech relay server 200 is connected to the pin tech service server 500-j selected as a communication method corresponding to the selected pin tech service server 500-j, and can transmit a pin tech service processing request.

The PIN tech integrity verification server 600 may receive the integrity verification request for the pin tech request information from the PIN tech service server 500-j (S150) and verify the digital signature (S152). For example, the PIN-TECH integrity verification server 600 decrypts the encrypted hash value in the integrated PIN-tech terminal 100-i using the public key, verifies the validity of the digital signature, Can be verified.

 The PIN tech service server 500-j receives a response to the integrity verification request (S155), and can process the PIN tech service using the PIN tech request information (S157). For example, the PINTECH service server 500-j may be a computer system of a bank or a linkage system that is interlocked with a computer system of a bank, and may perform processing for a withdrawal service request.

The PIN tech relay server 200 can receive the service processing result from the PIN tech service server 500-j (S160) and transmit the service processing result to the integrated PIN tech terminal 100-i (S165).

The integrated pin tech terminal 100-i can output the processing result (S170). The integrated pin-tact terminal 100-i can output the processing result to the monitor, or output it to the paper using the thermal printer. For example, the integrated PIN-tech terminal 100-i can issue an insurance policy by outputting the result of the policy issuance request using a thermal printer.

5 is a flowchart illustrating a method of providing an integrated pin tech service according to another embodiment of the present invention.

Referring to FIG. 5, the integrated pin tech service providing method can provide various pin tech services to a user using one integrated pin tech terminal 100-i. The integrated pin tech service providing method can integrally perform user authentication and integrity verification of a message using the pin tech user verification server 300 and the pin tech integrity verification server 600. However, the integrated pin tech service providing method according to the present embodiment is substantially the same as the integrated pin tech service providing method of FIG. 4 except that the integrity of the pin tech request information is verified by transmitting the verification request information to the user terminal Therefore, the same reference numerals are used for the same or similar components, and redundant description will be omitted.

The integrated pin technology terminal 100-i may receive pin tech request information for a selected one of the plurality of pin tech services (S205).

The integrated pin-tact terminal 100-i can sense the user's biometric information (S210).

The PIN tech relay server 200 receives a PIN tech service request including pin tech request information and biometric information from the integrated PIN tech terminal 100-i (S220), and confirms the validity of the received PIN tech service request (S225).

The PIN tech user verification server 300 receives a user authentication request including biometric information from the PIN tech relay server 200 (S230), and performs user authentication using the biometric information (S232).

The PIN tech relay server 200 receives the response to the user authentication request (S235) and searches for the PIN tech service server 500-j corresponding to the PIN tech request information (S240).

The pin-tx relay server 200 may transmit (S245) the pin-tec service processing request including the pin-tec request information to the selected pin-tec service server 500-j.

The PIN tech integrity verification server 600 receives an integrity verification request for pin tech request information from the PIN tech service server 500-j (S250), transmits verification request information to the user terminal 10 (S255) , And receive a verification acknowledgment from the user terminal 10 (S260). In one embodiment, the PinTech integrity verification server 600 can send PINTECH request information to the user terminal 10 via SMS, and can verify the integrity of the PINTECH request information by receiving a response message via SMS have. In another embodiment, the integrity verification server 600 transmits the URL information to the user terminal 10, which can confirm the pin tech request information via the SMS, and receives the response message via the HTTP protocol, Integrity can be verified.

The PIN tech service server 500-j receives a response to the integrity verification request (S265), and processes the PIN tech service using the PIN tech request information (S267).

The pin-tx relay server 200 may receive the service processing result from the pin-tech service server 500-j (S270) and transmit the service processing result to the integrated pin-tech terminal 100-i (S275).

The integrated pin tech terminal 100-i may output the processing result (S280).

6 is a flowchart illustrating a method of providing an integrated pin tech service according to another embodiment of the present invention.

Referring to FIG. 6, the integrated pin tech service providing method can provide various pin tech services to a user using one integrated pin tech terminal 100-i. The integrated pin tech service providing method can integrally perform user authentication and integrity verification of a message using the pin tech user verification server 300 and the pin tech integrity verification server 600. 4, except that the user authentication request is directly transmitted from the integrated PIN tech terminal 100-i to the PIN tech user verification server 300, And therefore, the same reference numerals are used for the same or similar components, and a redundant description will be omitted.

The integrated pin technology terminal 100-i may receive pin tech request information for a selected one of a plurality of pin tech services (S305).

The integrated pin-tact terminal 100-i can sense the user's biometric information (S310).

The PIN tech user verification server 300 receives a user authentication request including biometric information from the integrated PIN tech terminal 100-i (S315), performs user authentication using the biometric information (S317) A response to the user authentication request may be transmitted to the tech terminal 100-i (S320). The integrated PIN tech terminal 100-i can directly transmit the user authentication request to the PIN tech user verification server 300, thereby reducing the communication load between the PIN tech relay server 200 and the PIN tech user verification server 300. [

The integrated pin technology terminal 100-i may perform an electronic signature on the pin tech request information (S325).

The PIN-TECH relay server 200 receives the PIN tech service request including the PIN tech request information and the biometric information from the integrated PIN-tech terminal 100-i (S330) and confirms the validity of the received PIN tech service request (S332).

The pin-tech relay server 200 may search for the pin-tech service server 500-j corresponding to the pin-tec request information (S335).

The pin-tx relay server 200 may transmit a pin-tec service processing request including the pin-tec request information to the selected pin-tec service server 500-j (S340).

The PIN tech integrity verification server 600 may receive an integrity verification request for pin tech request information from the PIN tech service server 500-j (S345) and verify the digital signature (S347).

The PIN tech service server 500-j receives a response to the integrity verification request (S350), and processes the PIN tech service using the PIN tech request information (S352).

The PIN tech relay server 200 receives the service processing result from the PIN tech service server 500-j in step S355 and transmits the service processing result to the integrated PIN tech terminal 100-i in step S360.

The integrated pin tech terminal 100-i may output the processing result (S365).

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention. For example, in the above description, the PinTech user verification server and the PinTech integrity verification server have been described as being separate from each other, but the present invention is not limited thereto.

100-i: Integrated Pin Tech Terminal 120: Pin Tech Service Modules
130: biometric information sensing unit 140: server interlocking unit
150: display unit 160: input /
200: Pin-Tech relay server 210: Validation section
220: service profile storage unit 230: server selection unit
240: Service Request Unit 300: Pin Tech User Verification Server
310 authentication processing unit 320 authentication information storage unit
500-j: PinTech service server 600: PinTech integrity verification server

Claims (11)

  1. Wherein the integrated FinTech terminal receives pin tech request information for a selected one of a plurality of pin tech services;
    Sensing the user's biometric information by the integrated PIN-tech terminal;
    Receiving a PIN tech service request including the PIN tech request information and the biometric information from the integrated PIN tech terminal;
    Receiving a user authentication request including the biometric information from the PIN-TECH relay server, and performing user authentication using the biometric information;
    Searching for a Pin Tech service server corresponding to the pin tech request information by the pin tech relay server;
    Transmitting the pin tech service processing request including the pin tech request information to the pin tech service server by the pin tech relay server; And
    Receiving the service processing result from the pin tech service server and transmitting the service processing result to the integrated pin tech terminal,
    The step of searching for the PINTECH service server comprises:
    Retrieving service server information corresponding to the pin tech service code from a service profile storage unit included in the pin tech relay server using the pin tech service code included in the pin tech request information;
    Determining whether to perform at least one of user authentication and integrity verification of the PIN tech service processing request based on a server security option included in the service server information; And
    And determining a communication method for the PinTech service server based on server communication information included in the service server information.
  2. The method according to claim 1,
    Performing a digital signature on the pin tex request information by the integrated pin tex terminal;
    Receiving a integrity verification request for the pin tech request information from the pin tech service server from the pin tech integrity server; And
    Wherein the PIN-integrity verification server verifies the integrity of the digital signature.
  3. The method according to claim 1,
    Receiving a integrity verification request for the pin tech request information from the pin tech service server from the pin tech integrity server; And
    Further comprising the step of verifying the integrity of the pin tex request information by transmitting the verification request information to the user terminal by the pin tex integrity verification server.
  4. The method as claimed in claim 1, wherein the plurality of PINTECH services include at least one of a card settlement service, a bank service, an insurance service, a utility bill settlement service, and a digital donation service.
  5. 2. The system of claim 1, wherein the biometric information is encrypted using a public key in the integrated PIN-tech terminal and decrypted using a private key corresponding to the public key in the PIN-tech user verification server. How to provide tech services.
  6. The integrated pin technology terminal receiving pin tech request information for a selected one of a plurality of pin tech services;
    Sensing the user's biometric information by the integrated PIN-tech terminal;
    Receiving a user authentication request including the biometric information from the integrated PIN-tech terminal and performing user authentication using the biometric information;
    Receiving a PIN tech service request including the PIN tech request information from the integrated PIN tech terminal;
    Searching for a Pin Tech service server corresponding to the pin tech request information by the pin tech relay server;
    Transmitting the pin tech service processing request including the pin tech request information to the pin tech service server by the pin tech relay server; And
    Receiving the service processing result from the pin tech service server and transmitting the service processing result to the integrated pin tech terminal,
    The step of searching for the PINTECH service server comprises:
    Retrieving service server information corresponding to the pin tech service code from a service profile storage unit included in the pin tech relay server using the pin tech service code included in the pin tech request information;
    Determining whether to perform at least one of user authentication and integrity verification of the PIN tech service processing request based on a server security option included in the service server information; And
    And determining a communication method for the PinTech service server based on server communication information included in the service server information.
  7. An integrated pin tech terminal for transmitting a pin tech service request including pin tech request information; And
    And a pin tech relay server for searching for a pin tech service server corresponding to the pin tech request information and transmitting a pin tech service processing request including the pin tech request information to the pin tech service server,
    The integrated pin-
    A plurality of PinTech service modules for providing a user interface for each of a plurality of PinTech services to generate the PinTech request information;
    A biometric information sensing unit for sensing biometric information of a user; And
    And a server interworking unit for transmitting the PIN tech service request including the PIN tech request information and the biometric information to the PIN tech relay server,
    The PIN-TECH REGISTRATION server retrieves service server information corresponding to the PIN-TECH service code from a service profile storage unit included in the PIN-TECH REGISTRATION server using the PIN-TECH service code included in the PIN-TECH REQUEST INFORMATION, Determining whether to perform at least one of user authentication and integrity verification of the pin tech service processing request based on the server security option included in the service server information, And determines a communication method for the tech service server.
  8. The system of claim 7, wherein the PINTECH service modules include at least one of a card payment service module, a bank service module, an insurance service module, a utility billing service module, and a digital base service module. .
  9. 8. The system according to claim 7, wherein the biometric information sensing unit encrypts the biometric information using a public key.
  10. And receiving a pin tech service request including pin tech request information and biometric information, searching for a pin tech service server corresponding to the pin tech request information, and transmitting, to the pin tech service server, A PinTech relay server for transmitting a service processing request; And
    And a PIN tech user verification server for receiving a user authentication request including the biometric information from the PIN tech relay server and performing user authentication using the biometric information,
    The PIN-TECH REGISTRATION server retrieves service server information corresponding to the PIN-TECH service code from a service profile storage unit included in the PIN-TECH REGISTRATION server using the PIN-TECH service code included in the PIN-TECH REQUEST INFORMATION, Determining whether to perform at least one of user authentication and integrity verification of the pin tech service processing request based on the server security option included in the service server information, And determines a communication method for the tech service server.
  11. 11. The method of claim 10,
    Further comprising: a pin tex integrity verification server for receiving an integrity verification request including the pin tex request information from the pin tex service server and verifying integrity of the pin tex request information.
KR1020160001943A 2016-01-07 2016-01-07 Method of providing multi-fintech service, multi-fintech terminal, and multi-fintech system performing the same KR101897224B1 (en)

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