KR102652761B1 - Method for Providing Simple Registration by using Banking Application - Google Patents

Abstract

The present invention relates to a simple sign-up method using a banking app. The simple sign-up method using a banking app according to the present invention is a simple sign-up method using a banking app running on a user's wireless terminal. When subscribing using a banking app is selected in the m (1≤m≤M) affiliated app newly installed on the wireless terminal among M≥1) affiliated apps, the banking app is run (or activated), and the banking app is activated by the user. Process identification and verify the subscription information of the authenticated user, the banking app receives account information to be used for simple payment using the m affiliated app, and the banking app performs simple payment using the m affiliated app. Process token information containing a code value that uniquely identifies the account information to be used to be issued, and process the banking app to link and store the account information and token information in a storage medium linked to the banking app. , the banking app processes the subscription information and token information to be transmitted to the m-th affiliated app, and the token information is linked to the subscription information through the m-th affiliated app and stored in connection with the m-th affiliated app. stored on media.

Description

Simple registration method using banking app {Method for Providing Simple Registration by using Banking Application}

The present invention processes the designated subscription by running (or activating) the banking app in the affiliate app when selecting a simple subscription using the banking app in an affiliate app affiliated with the banking app installed on the user's wireless terminal and processing user identification and authentication through the banking app. At the same time, it allows users to register an account for simple payment of affiliated apps through the banking app.

First, a method has been proposed to process membership registration without having to input all member information when registering as a member of another server by transferring the member information stored in the server where the member is registered to another server with which a contract has already been signed (Patent Publication No. 10-2007- No. 0049388 (May 11, 2007), Patent Publication No. 10-2007-0087382 (August 28, 2007).

However, the conventionally proposed method first goes through the user's agreement to the terms and conditions when registering as a member on the server, and if the user first agrees to share the member information with another server with a pre-existing contract with the server, the user's membership information is transferred to another server with a pre-existing contract. By transmitting and storing it in advance, when a user signs up for membership on another server, even if he or she does not enter all of the member information but only enters part of it, he or she can use the pre-stored member information to sign up for another server with which a contract has already been signed. The user only needs to agree to the user's terms and conditions. User membership information is transmitted and stored in advance on another server regardless of whether or not the user signs up for membership on another server under contract, which has the problem of infringing on the user's privacy and indiscriminately disseminating personal information even if the user has agreed to the terms and conditions. In addition, the conventional method has the limitation that when a user first registers as a member of a server, member information can only be shared with a specific other server that has already entered into a contract with the server, and member information cannot be shared with other servers.

The purpose of the present invention to solve the above problems is to install the banking app in the m (1≤m≤M) affiliated app newly installed on the wireless terminal among M (M≥1) affiliated apps affiliated with the banking app. When you select to sign up, the banking app is run (or activated) to process user identification and verify the user's sign-up information. Then, account information to be used for simple payment using the affiliate app is entered, and the account information is kept as a unique device. After issuing and processing token information that identifies the account information and token information to be linked and stored in a storage medium linked to the banking app, when the subscription information and token information are delivered to the affiliated app, the affiliated app provides the subscription information and tokens. We provide a simple sign-up method using a banking app that saves information and registers an account for simple payments at the same time.

The simple sign-up method using a banking app according to the present invention is a simple sign-up method using a banking app running on a user's wireless terminal. When selecting a subscription using a banking app in an affiliated app of m (1≤m≤M), the first step is to run (or activate) the banking app, and the banking app processes user identification authentication and registers the authenticated user. A second step of confirming information, a third step of the banking app receiving account information to be used for simple payment using the m affiliated app, and the banking app receiving account information to be used for simple payment using the m affiliated app. A fourth step of issuing and processing token information including a code value that uniquely identifies account information to prevent duplication of account information, and allowing the banking app to link and store the account information and token information in a storage medium linked to the banking app. It includes a fifth step of processing, and a sixth step of processing the banking app to transmit the subscription information and token information to the m-th affiliated app, wherein the token information is transmitted through the m-th affiliated app. It is characterized in that it is stored in a storage medium linked to the m affiliated app.

In the simple sign-up method using a banking app according to the present invention, the token information is transmitted from the affiliate app to a server associated with a storage medium that stores the account information through a designated path when making a simple payment using the affiliate app. It is characterized by being used to extract account information for simple payment.

In the simple subscription method using the banking app according to the present invention, the second step is t (1≤t≤T) designated for the subscription among T (T≥1) security authentication functions already provided in the banking app. It is characterized by including the step of identifying and authenticating the user through a designated authentication server using ) security authentication functions.

In the simple sign-up method using a banking app according to the present invention, the banking app checks uniquely issued ticket information without duplication through a designated authentication server to identify interconnection with the affiliated app, and the banking app It further includes transmitting the ticket information to the affiliated app, wherein the ticket information is transmitted to the authentication server and used to identify and authenticate interconnection between the banking app and the affiliated app.

In the simple sign-up method using a banking app according to the present invention, the sixth step is a step of the banking app registering one or more of the sign-up information and token information and ticket information to a designated authentication server, and the banking app A step of transmitting the ticket information to the affiliated app, wherein the affiliated app receiving the ticket information receives one or more of the registered information among the subscription information and token information from the authentication server through the ticket information. It is characterized by further comprising:

In the simple signup method using a banking app according to the present invention, the sixth step includes the step of transmitting the signup information and token information to the affiliated app while the banking app runs (or activates) the affiliated app. It is characterized by being accomplished by doing so.

In the simple sign-up method using a banking app according to the present invention, the token information is characterized in that it includes information that uniquely identifies the combination of the account information and sign-up information.

In the simple sign-up method using a banking app according to the present invention, the third step further includes receiving PIN information for PIN authentication for simple payment using the account information, and the fifth step is the step of receiving PIN information for PIN authentication for simple payment using the account information. It is characterized by further comprising the step of storing the PIN authentication information to verify the validity of the PIN information in a storage medium linked to the banking app.

In the simple sign-up method using the banking app according to the present invention, the PIN information is entered through the affiliated app and used for the PIN authentication process when making a simple payment using the affiliated app, or the affiliated information is used for a PIN authentication process when making a simple payment using the affiliated app. It is characterized by being entered through a banking app run (or activated) through the app and used for the PIN authentication process.

In the simple sign-up method using a banking app according to the present invention, when making a simple payment using the affiliate app, the payment amount confirmed through the affiliate app is included from the affiliate app to a server linked to a storage medium linked to the banking app. The payment information and the token information are transmitted and the payment of the payment information is processed through account information linked to the token information.

In the simple sign-up method using a banking app according to the present invention, when making a simple payment using the affiliate app, the banking app receives payment information including the payment amount and the token information from the affiliate app, and the banking app Further comprising transmitting the payment information and token information to a server that is linked to a storage medium associated with the banking app according to a designated procedure, wherein payment of the payment information is processed through account information associated with the token information. It is characterized by

According to the present invention, when a new affiliate app affiliated with a banking app is installed (or reinstalled) on a user's wireless terminal and the subscription is processed, the affiliate app newly installed (or reinstalled) on the wireless terminal is processed through user identification authentication through the banking app. It has the advantage of processing various subscriptions simply and conveniently.

According to the present invention, when a new affiliate app affiliated with a banking app is installed (or reinstalled) on a user's wireless terminal and a subscription is processed, an account for simple payment of the affiliate app is registered through the banking app, and account information is provided to the affiliate app. It has the advantage of registering an account for simple payment of affiliated apps safely without being exposed.

Figure 1 is a diagram showing the functional configuration of a wireless terminal 100, a banking app 140, and an affiliate app 110 according to an implementation method of the present invention.
Figure 2 is a diagram illustrating a user identification and authentication process using the banking app 140 for simple registration according to the implementation method of the present invention.
Figure 3 is a diagram illustrating a simple sign-up process using the banking app 140 according to the implementation method of the present invention.
Figure 4 is a diagram illustrating a simple payment process using account information registered through simple registration according to the implementation method of the present invention.

Hereinafter, the operating principle of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings shown below and the description below are for preferred implementation methods among various methods for effectively explaining the characteristics of the present invention, and the present invention is not limited to the drawings and description below.

That is, the following examples correspond to examples of preferred union forms among the numerous embodiments of the present invention, and examples in which specific configurations (or steps) are omitted in the following examples, or specific configurations (or steps) are omitted. An embodiment of dividing the function implemented in a specific configuration (or step), or an embodiment of integrating the function implemented in two or more configurations (or steps) into one configuration (or step), a specific configuration (or step) It is clearly stated that embodiments that replace the operation sequence of all fall within the scope of the present invention, even if not separately mentioned in the following examples. Also, in the following embodiments, a specific component implemented on the server side is implemented on the terminal side and the server side references it, or, conversely, in the following embodiments, a specific component implemented on the terminal side is implemented on the server side and the terminal It is clearly stated that all embodiments using this fall within the scope of the present invention. Therefore, based on the examples below, it is clearly stated that various embodiments corresponding to subsets or complements can be divided retroactively to the filing date of the present invention.

Additionally, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. The terms described below are terms defined in consideration of functions in the present invention, and may vary depending on the intention or custom of the user or operator. Therefore, the definition should be made based on the overall content of the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following examples are a means to efficiently explain the advanced technical idea of the present invention to those skilled in the art to which the present invention pertains. It's just that.

Figure 1 is a diagram showing the functional configuration of the wireless terminal 100, banking app 140, and affiliate app 110 according to the implementation method of the present invention.

In more detail, Figure 1 shows that when a simple subscription using the banking app 140 is selected in the affiliate app 110 affiliated with the banking app 140, the banking app 140 is run (or activated) in the affiliate app 110. The banking app (140) and the affiliate app (110) process the designated subscription through user identification and authentication through the banking app (140) and at the same time register an account for simple payment of the affiliate app (110) through the banking app (140). ), which shows the functional configuration of the banking app 140 and the affiliated app 110 by referring to and/or modifying Figure 1 for those of ordinary skill in the technical field to which the present invention pertains. Although various implementation methods can be inferred, the present invention includes all of the above-described implementation methods, and its technical features are not limited to only the implementation method shown in Figure 1. Preferably, the wireless terminal 100 of Figure 1 may include at least one of various smartphones, various tablet PCs, various PDAs, and various mobile phones capable of wireless communication.

Referring to Figure 1, the wireless terminal 100 includes a control unit 101, a memory unit 108, a screen output unit 102, a user input unit 103, a sound processing unit 104, and a local area network communication unit 105. and a wireless network communication unit 106, a USIM reader unit 107, and a USIM, and a battery for power supply.

The control unit 101 is a general term for components that control the operation of the wireless terminal 100, and is comprised of at least one processor and an execution memory, and each component provided in the wireless terminal 100 and a bus ( connected via BUS). According to the present invention, the control unit 101 loads at least one program code provided in the wireless terminal 100 into the execution memory through the processor and performs calculations, and outputs the result to at least one component through the bus. It is transmitted to the unit to control the operation of the wireless terminal 100. Hereinafter, for convenience, the configuration of the banking app 140 and the affiliate app 110 of the present invention, which are implemented in the form of program code, will be described by showing them in the control unit 101.

The memory unit 108 is a general term for non-volatile memory corresponding to the storage resources of the wireless terminal 100, and includes at least one program code executed through the control unit 101 and at least one program code used. Save and maintain the data set. The memory unit 108 basically contains a system program code and a system data set corresponding to the operating system of the wireless terminal 100, a communication program code and a communication data set for processing the wireless communication connection of the wireless terminal 100, and at least An application program code and an application data set are stored, and program codes and data sets corresponding to the banking app 140 and the affiliate app 110 of the present invention are also stored in the memory unit 108.

The screen output unit 102 is composed of a screen output device (e.g., LCD (Liquid Crystal Display), etc.) and a driving module that drives it, and is linked with the control unit 101 to display a screen among various calculation results of the control unit 101. The calculation result corresponding to the output is output to the screen output device.

The user input unit 103 is composed of one or more user input devices (e.g., buttons, keypads, touch pads, touch screens linked to the screen output unit 102, etc.) and a driving module that drives them, and includes the control unit 101 and In conjunction with this, commands for commanding various operations of the control unit 101 are input, or data necessary for the operation of the control unit 101 is input.

The sound processing unit 104 is composed of a speaker, a microphone, and a driving module that drives them, and decodes sound data corresponding to sound output among various operation results of the control unit 101 and outputs it through the speaker. , or the sound signal input through the microphone is encoded and transmitted to the control unit 101.

The wireless network communication unit 106 and the local area network communication unit 105 are general names for communication resources that connect the wireless terminal 100 to a designated communication network. Preferably, the wireless terminal 100 may be equipped with a wireless network communication unit 106 as a basic communication resource and may be equipped with one or more local area network communication units 105.

The wireless network communication unit 106 is a general term for communication resources that connect the wireless terminal 100 to a wireless communication network via a base station, and includes an antenna, RF module, baseband module, and signal that transmit and receive radio frequency signals in a specific frequency band. It is configured to include at least one processing module, and is connected to the control unit 101 to transmit calculation results corresponding to wireless communication among various calculation results of the control unit 101 through a wireless communication network or receive data through a wireless communication network. At the same time as transmitting it to the control unit 101, the wireless communication connection, registration, communication, and handoff procedures are performed. According to the present invention, the wireless network communication unit 106 can connect the wireless terminal 100 to a communication network including a communication channel and a data channel via an exchange, and in some cases, packet communication without via the exchange. It can be connected to a data network that provides wireless network-based data communication (eg, the Internet).

According to the implementation method of the present invention, the wireless network communication unit 106 performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to CDMA/WCDMA/LTE standards. Includes composition. Meanwhile, according to the intention of those skilled in the art, the wireless network communication unit 106 may further include a portable Internet communication configuration that performs at least one connection to the portable Internet, location registration, data communication, and handoff in accordance with the IEEE 802.16 related standard, It is clearly stated that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 106. In other words, the wireless network communication unit 106 is a general term for a component that connects to a wireless communication network through a cell-based base station regardless of the frequency band of the wireless section or the type or protocol of the communication network.

The local area network communication unit 105 is a general term for communication resources that connects a communication session using radio frequency signals as a communication medium within a certain distance (e.g., 10 m) and connects the wireless terminal 100 to a communication network based on this. , Preferably, the wireless terminal 100 can be connected to a communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the implementation method of the present invention, the local area network communication unit 105 may be implemented in an integrated or separate form from the wireless network communication unit 106. According to the present invention, the local area network communication unit 105 connects the wireless terminal 100 to a data network that provides short-range wireless data communication based on packet communication through a wireless AP.

The USIM reader unit 107 is a general term for a configuration that exchanges at least one data set with a universal subscriber identity module mounted or detached from the wireless terminal 100 based on the ISO/IEC 7816 standard. As, the data set is exchanged in half-duplex communication through APDU (Application Protocol Data Unit).

The USIM is a SIM-type card equipped with an IC chip according to the ISO/IEC 7816 standard, an input/output interface including at least one contact point connected to the USIM reader unit 107, and a program code for at least one IC chip. and an IC chip memory that stores the data set, and is connected to the input/output interface to calculate the program code for the IC chip or extract (or process) the data set according to at least one command transmitted from the wireless terminal 100. It includes a processor that transmits data to the input/output interface.

The control unit 101 downloads and installs the banking app 140 provided by a designated financial company from a designated app providing server (e.g., Apple's App Store, etc.) through a data network accessible through the communication resource according to the user's operation. , the installed banking app 140 can be run. Preferably, the banking app 140 can communicate with one or more designated servers among the authentication server 194 and the banking server 196 on the network through a data network accessible through the communication resource.

The banking server 196 is a general term for a server-side configuration that implements the server-side functions of various banking service functions provided through the banking app 140, and is preferably a financial institution corresponding to the banking app 140 (e.g., It may include electronic financial servers operated by banks, etc.

The authentication server 194 is a general term for a server-side configuration that implements the server-side function of the simple sign-up procedure performed through the banking app 140 when simple sign-up using the banking app 140 is selected in the affiliate app 110. As such, it includes a server operated by a financial company corresponding to the banking app 140, or is operated by a business operator that supplies program modules (e.g., SDK, etc.) related to the simple subscription among the functions of the banking app 140. It may include a server (or provided by a business operator to a financial company). In other words, the authentication server 194 of the present invention is a general term for the server-side configuration of the simple subscription procedure processed through the banking app 140, and is not limited by the name or operating entity of a specific physical server, and any server can be used as a banking app. It is clearly stated that if the server-side configuration of the simple subscription procedure using (140) is implemented, it falls under the category of the authentication server (194).

According to the implementation method of the present invention, the banking app 140 can be affiliated with M (M ≥ 1) affiliated apps 110 for simple registration according to the present invention, and the control unit 101 is configured to control the user's operation. Accordingly, the m-th (1≤m≤M) affiliated app (110) corresponding to any one of the M affiliated apps (110) is downloaded and installed from the app providing server, and the m-th affiliated app (110) is installed. When running for the first time (or running before signing up), a simple subscription procedure according to the present invention may be initiated. Preferably, the affiliate app 110 can communicate with a designated affiliate server 192 on the network through a data network accessible through the communication resource.

Referring to Figure 1, the affiliate app 110 of the wireless terminal 100 includes a subscription selection unit 115 for selecting simple subscription through a designated banking app 140, and a simple subscription through a designated banking app 140. When selecting subscription, an app confirmation unit 120 checks whether the banking app 140 is installed on the wireless terminal 100, and when the designated banking app 140 is installed on the wireless terminal 100, the banking app 140 ), and the app driver 125 downloads the banking app 140 when the designated banking app 140 is not installed on the wireless terminal 100. You can perform further steps to guide installation.

The m (1≤m≤M) affiliated app (110) corresponding to any one of the M (M≥1) affiliated apps (110) affiliated with the designated banking app (140) is connected to the user's wireless network from the designated app providing server. It is downloaded and installed on the terminal 100. When the affiliate app 110 is downloaded and installed on the wireless terminal 100 and then executed for the first time (or executed before signing up), the subscription selection unit 115 refers to a specific data file associated with the affiliate app 110, and /Or communicate with the affiliate server 192 to check whether the affiliate app 110 is a user registered or not registered. If the affiliate app 110 is not a member or requires subscription for a designated service of the affiliate app 110, the subscription selection unit 115 displays an interface screen for user registration. Preferably, the subscription selection unit 115 may display an interface for selecting simple subscription through a designated banking app 140 on the interface screen for user subscription.

If simple subscription through the designated banking app 140 is selected through the subscription selection unit 115, the app confirmation unit 120 selects the banking app 140 designated to be linked to the wireless terminal 100 for simple subscription. ) is installed. If the designated banking app 140 is not installed in the wireless terminal 100, the app driver 125 instructs the user to download and install the banking app 140 from the designated app providing server. In this case, the banking app 140 is downloaded and installed on the wireless terminal 100 and then performs a simple registration process according to the designated procedure.

Meanwhile, when the designated banking app 140 is installed on the wireless terminal 100, the app driver 125 executes the designated banking app 140 installed on the wireless terminal 100 and processes it to run, or When the app 140 is in the background state, the banking app 140 is activated and the banking app 140 is displayed through the screen output unit 102 of the wireless terminal 100.

According to the implementation method of the present invention, the app driver 125 can transmit designated parameters to the banking app 140 in the process of driving (or activating) the banking app 140. Preferably, the app driver 125 transmits a parameter that can recognize that it is driven (or activated) through the affiliate app 110 to the banking app 140 and/or the affiliate app (140) to the banking app 140. 110) and/or a specific interface designated for easy registration with the banking app 140 (e.g., among T (T≥1) security authentication functions provided in the banking app 140) Parameters that are processed to display an interface that uses the security authentication function to be used for simple registration of the affiliate app 110 can be passed.

Referring to Figure 1, the banking app 140 of the wireless terminal 100, when driven (or activated), has an operation confirmation unit ( 145), and includes a user authentication unit 150 that processes user identification and authentication, and a subscription information confirmation unit 160 that verifies the subscription information of the authenticated user, and the banking app 140 and the affiliated app ( 110) Process to issue unique ticket information that does not overlap in order to identify interconnection between them, or check uniquely issued ticket information that does not overlap in order to identify interconnection between the banking app 140 and the affiliated app 110 It is provided with a ticket issuance processing unit 155.

The banking app 140 can be driven (or activated) through any one of the M affiliated affiliate apps 110 installed on the wireless terminal 100 and run for the first time (or before simple registration). , the operation confirmation unit 145 checks whether the banking app 140 is operated (or activated) through any one of the affiliated affiliated apps 110 when the banking app 140 is operated (or activated). For example, the operation confirmation unit 145 reads parameters flowing in at the time of operation of the banking app 140 to determine whether the banking app 140 is driven (or activated) through the affiliated app 110 (or You can check whether it is running (or activated) for easy sign-up.

The user authentication unit 150 performs procedures to identify and authenticate users who use the banking app 140. Preferably, the user authentication unit 150 authenticates user identification for simple sign-up when the banking app 140 is driven (or activated) for the affiliate app 110 or is driven (or activated) for simple sign-up. can be processed.

According to the implementation method of the present invention, the user authentication unit 150 is configured to use T (T ≥ 1) security authentication functions (e.g., public certificate authentication function, OTP authentication function, security card authentication function) provided in the banking app 140. Among the authentication functions (e.g., authentication functions, etc.), t (1≤t≤T) security authentication functions designated to be used for simple registration of the affiliated app 110 are used and/or linked with the designated authentication server 194 to identify and authenticate the user. Carry out the procedure. For example, the user authentication unit 150 may perform a procedure to identify and authenticate the user with a designated authentication server 194 using a public certificate authentication function provided in the banking app 140.

When the user using the banking app 140 is identified and authenticated through the user authentication unit 150, the subscription information confirmation unit 160 is activated through the designated authentication server 194 (or banking server 196). Check the registration information for signing up the authenticated user to the affiliate app 110. Preferably, the subscription information confirmation unit 160 may receive personal information of the authenticated user from the authentication server 194 (or banking server 196) and display it on the screen.

Meanwhile, it is confirmed that the banking app 140 is running (or activated) the affiliated app 110 through the operation confirmation unit 145 and/or the banking app 140 is confirmed through the user authentication unit 150. ) When a user using ) is identified and authenticated, the ticket issuance processing unit 155 uses a designated authentication server 194 to identify interconnection between the banking app 140 and the affiliated app 110. Processes such that one ticket information is issued, or checks uniquely issued ticket information without duplication to identify interconnection between the banking app 140 and the affiliated app 110 by linking with the authentication server 194.

According to the implementation method of the present invention, the ticket issuing processing unit 155 can receive ticket information from the designated authentication server 194 for mutual identification and linking with the affiliated app 110. The ticket issuance processing unit 155 communicates with the designated authentication server 194 to provide terminal information and/or information related to the wireless terminal 100 on which the banking app 140 and the affiliate app 110 are installed. Related app information and/or information related to the affiliate app 110 that processes simple registration in conjunction with the banking app 140 is transmitted to the designated authentication server 194, and from the authentication server 194, the banking app ( While the banking app 140 and the affiliated app 110 are interconnected to process simple sign-up, the banking app 140 and the affiliated app 110 identify each other and receive ticket information for real-time linkage for simple signup. Preferably, the ticket information is generated (or determined) in the form of a unique, non-redundant code value through an authentication server 194 that communicates with the ticket issuance processing unit 155, and the banking app is transmitted through the authentication server 194. It can be distributed through (140) and affiliated app (110), and the ticket issuance processing unit (155) verifies the ticket information. Meanwhile, the authentication server 194 can distribute the ticket information to the affiliated app 110 in addition to the banking app 140. Alternatively, the ticket issuance processing unit 155 may confirm the ticket information and share and transmit the confirmed ticket information to the affiliate app 110 through inter-process communication supported by the wireless terminal 100. The app 110 can check the ticket information through the inter-process communication, but the present invention is not limited thereto. Meanwhile, the ticket information may be shared and transmitted to the affiliated app 110 through the information transmission processing unit 185 below.

Referring to Figure 1, the banking app 140 of the wireless terminal 100 has an account registration processing unit 165 that performs a procedure to receive and register account information to be used for simple payment using the affiliate app 110. ) and a token issuance processing unit 170 that processes token information that uniquely identifies the account information to be issued, and processes the account information and token information to be linked and stored in a storage medium associated with the banking app (140). It is equipped with a token registration processing unit 175, receives PIN information for PIN authentication for simple payment using the account information, and stores PIN information for authenticating the validity of the PIN information in a storage medium linked to the banking app 140. It is further provided with a PIN registration processing unit 180 that processes authentication information to be stored.

When the user is identified and authenticated through the user authentication unit 150 and the user's subscription information is confirmed through the subscription information confirmation unit 160, the account registration processing unit 165 uses an interface designated within the banking app 140. An account registration interface for entering account information is displayed on the screen, and account information to be used for simple payment using the affiliate app 110 is input through the account registration interface. Preferably, the account information includes the account number and bank information (can be omitted) of an account in the user's name opened at a financial institution corresponding to the banking app 140, and at least some of the user's personal information is stored depending on the implementation method. More may be included.

When account information is entered through the account registration interface, the account registration processing unit 165 performs a procedure to verify the validity of the account information. Preferably, the account registration processing unit 165 provides the input account information (e.g., at least part of the account number and user personal information) to the banking server 196 corresponding to the account information, or the account information ( For example, by providing the account number) and subscription information confirmed through the subscription information confirmation unit 160, it is authenticated through the banking server 196 whether the account corresponding to the account information is an account opened in the name of the user. The procedure can be carried out.

The PIN registration processing unit 180 displays a PIN registration interface for entering PIN information through an interface screen designated in the banking app 140, and generates a PIN for PIN authentication for simple payment using the account information through the PIN registration interface. Receive information. Preferably, the PIN registration processing unit 180 can receive the same PIN information twice and verify whether the same PIN information is input.

When the entered account information is confirmed to be the account information of the user's name, the token issuance processing unit 170 links with the designated authentication server 194 to uniquely identify the account information without duplication, and according to the implementation method, Issue/verify token information containing a value that can verify the validity of account information. Meanwhile, depending on the implementation method, the token information uniquely identifies a combination of the account information and subscription information (or at least part of the user's personal information) without duplicating the account information and/or subscription information (or the user's personal information). It may include a value that can certify the validity of (at least some of) the personal information.

According to the first token issuance embodiment of the present invention, the token issuance processing unit 170 uniquely identifies the account information without duplication with the designated authentication server 194 and includes a value that can authenticate the validity of the account information. Requesting the issuance of a token, the authentication server 194 generates a code value to be used as a token according to designated code generation rules and/or collects a code value from a designated DB, and generates a code value containing the generated/coded code value. Token information can be provided to the banking app (140). The token issuance processing unit 170 may receive/verify token information including the code value from the authentication server 194.

According to the second token issuance embodiment of the present invention, the token issuance processing unit 170 combines the authenticated account information (or account information and subscription information (or at least part of the user personal information) with the designated authentication server 194. ) and requests the authentication server 194 to issue a token using the provided information, and the authentication server 194 substitutes the provided information (or at least part of it) into a designated code generation rule (e.g. , a code value to be used as a token can be generated (by hashing with a designated hash algorithm) and provided to the banking app 140 as token information including the generated code value. The token issuance processing unit 170 may receive/verify token information including the code value from the authentication server 194.

According to the third token issuance embodiment of the present invention, the token issuance processing unit 170 generates/determines a code value to be used as a token according to designated code generation rules, and sends the generated/determined code value to the designated authentication server 194. ) to uniquely identify the account information without duplication, and can request verification (e.g., duplicate check, etc.) to determine whether the validity of the account information can be authenticated, and includes a code value verified through the authentication server 194. You can check the token information.

According to the fourth token issuance embodiment of the present invention, the token issuance processing unit 170 generates the authenticated account information (or a combination of account information and subscription information (or at least part of the user's personal information)) according to the designated code generation rule. Substitute (e.g., hash with a designated hash algorithm) to generate a code value to be used as a token, and provide the generated code value to the designated authentication server 194 to provide the account information (or account information and subscription information (or user A request for verification (e.g., a combination of at least part of the personal information) is uniquely identified without duplication and the validity of the account information (or a combination of account information and subscription information (or at least part of the user personal information)) can be verified (e.g., duplicate inspection, etc.), and token information including the verified code value can be confirmed through the authentication server 194.

According to the fifth token issuance embodiment of the present invention, the token issuance processing unit 170 is an authentication server 194 designated through an embodiment that at least partially combines at least two of the first to fourth token issuance embodiments. Token information can be confirmed by linking with , but the present invention is not limited by this.

According to the implementation method of the present invention, the token issuance processing unit 170 operates in conjunction with the authentication server 194 to record the account information (or a combination of account information and subscription information (or at least part of the user's personal information)). Check whether issued token information exists (e.g., previously issued token information), and if already issued token information exists, previously issued token information is used, or previously issued token information is discarded and new token information is provided. can be processed to be issued.

When the token information is confirmed through at least one of the first to fifth token issuance embodiments, the token registration processing unit 175 stores the authenticated account information and the issued/confirmed token information in the banking app 140. It is processed to be linked and stored in a storage medium linked to . According to the implementation method of the present invention, the token registration processing unit 175 can process the account information and token information to be linked and stored in a designated storage medium of the banking server 196. Alternatively, the token registration processing unit 175 may process the account information and token information to be linked and stored in a designated storage medium of the authentication server 194. The token registration processing unit 175 transmits one or more of the account information and token information to the server that manages the storage medium and processes it to be linked, or the authentication server 194 transmits the account information to the storage medium. It can be processed to link and register token information.

Meanwhile, when the PIN information is input through the PIN registration interface, the PIN registration processing unit 180 configures PIN authentication information to authenticate the validity of the PIN information and stores the PIN information in the storage medium associated with the banking app 140. Account information (or talk information) and the PIN authentication information can be stored in conjunction with each other.

Referring to Figure 1, the banking app 140 of the wireless terminal 100 is provided with an information transmission processing unit 185 that processes the subscription information and token information to be transmitted to the affiliate app 110. In addition, the affiliate app 110 of the wireless terminal 100 performs a procedure to receive the subscription information and token information through the banking app 140, and the storage medium linked to the affiliate app 110 It is provided with a subscription procedure unit 130 that stores the subscription information and token information.

When the subscription information is confirmed through the subscription information confirmation unit 160 and the account information and token information are linked and registered in a storage medium linked to the banking app 140 through the token registration processing unit 175, the information is delivered. The processing unit 185 may process the subscription information and token information to be transmitted to the affiliate app 110 while driving (or activating) the affiliate app 110 (or after operating (or activating)) the affiliate app 110. The subscription procedure unit 130 of the affiliate app 110 receives the subscription information and token information. The subscription information and token information may be delivered together or sequentially according to a designated order, but the present invention is not limited thereto.

According to the first information transmission embodiment of the present invention, the information transmission processing unit 185 operates (or activates) the affiliate app 110 while responding to the parameters of the command for driving (or activating) the affiliate app 110. One or more of the subscription information and token information can be included and transmitted to the affiliated app 110, and the subscription procedure unit 130 of the affiliated app 110 reads the parameters and selects one or more of the subscription information and token information. More than one piece of information can be transmitted.

According to the second information transmission embodiment of the present invention, the information transmission processing unit 185 operates (or activates) the affiliated app 110 and then uses the inter-process communication protocol provided by the operating system of the wireless terminal 100. Accordingly, one or more of the subscription information and token information can be shared and transmitted to the running (or activated) affiliate app 110, and the subscription procedure unit 130 of the affiliate app 110 is operated through the inter-process communication. One or more of the subscription information and token information may be delivered.

According to the third information transmission embodiment of the present invention, when ticket information identifying interconnection between the banking app 140 and the affiliate app 110 is issued through the ticket issuance processing unit 155, the information transmission processing unit (185) registers one or more of the subscription information and token information and the ticket information on a designated server (e.g., authentication server 194, etc.), and runs (or activates) the affiliate app 110 to form the affiliate. Delivery information including the ticket information can be included in the parameters of a command for running (or activating) the app 110 and delivered to the affiliated app 110. Depending on the implementation method, the delivery information may further include at least one of the subscription information and token information in addition to the ticket information, and when the ticket information has already been delivered/distributed to the affiliated app 110, the ticket information can be omitted. The subscription procedure unit 130 of the affiliate app 110 reads the parameters to check the ticket information, connects to the designated server through the ticket information, and identifies the interconnection status with the banking app 140. After authentication, one or more of registration information and token information registered through the interconnected banking app 140 can be received using the ticket information.

According to the fourth information transmission embodiment of the present invention, when ticket information identifying interconnection between the banking app 140 and the affiliate app 110 is issued through the ticket issuance processing unit 155, the information transmission processing unit (185) registers one or more of the subscription information and token information and the ticket information on a designated server (e.g., authentication server 194, etc.), runs (or activates) the affiliated app 110, and then Delivery information including the ticket information can be shared and delivered to the running (or activated) affiliated app 110 according to an inter-process communication protocol provided by the operating system of the wireless terminal 100. Depending on the implementation method, the delivery information may further include at least one of the subscription information and token information in addition to the ticket information, and when the ticket information has already been delivered/distributed to the affiliated app 110, the ticket information can be omitted. The subscription procedure unit 130 of the affiliate app 110 confirms the ticket information through the inter-process communication, and connects to the designated server through the ticket information to check the interconnection status with the banking app 140. After identification and authentication, one or more of registration information and token information registered through the interconnected banking app 140 can be received using the ticket information.

According to the fifth information transmission embodiment of the present invention, the information transmission processing unit 185 provides the subscription information and token information according to an embodiment that at least partially combines at least two of the first to fourth information transmission embodiments. can be transmitted to the affiliate app 110, and the subscription procedure unit 130 of the affiliate app 110 can receive the subscription information and token information transmitted through the banking app 140.

The subscription procedure unit 130 of the affiliate app 110 is stored in a storage medium associated with the affiliate app 110 (e.g., a storage medium of the affiliate server 192 associated with the affiliate app 110, or a wireless terminal 100). The subscription information and the token information can be stored in conjunction with the storage area managed by the affiliate app 110 of the memory unit 108 of ).

Referring to Figure 1, the affiliate app 110 of the wireless terminal 100 is provided with a payment procedure unit 135 that performs a procedure for processing simple payment using the token information, and a banking app according to the implementation method. (140) may further include a payment linkage unit 190 that performs at least part of the procedure for processing simple payments of the affiliate app 110 in conjunction with the affiliate app 110.

After the token information is stored in the storage medium associated with the affiliate app 110, the payment procedure unit 135 processes the account through the path designated by the affiliate app 110 when making a simple payment of the affiliate app 110. The token information is transmitted to a server linked to the storage medium storing the information and processed to be used to extract account information for simple payment of the affiliate app 110.

According to the first payment embodiment of the present invention, the payment procedure unit 135 verifies payment information including the payment amount for payment processing during simple payment of the affiliate app 110, and the token information and account information. You can check the banking server 196 associated with the storage medium that linked and stored it, and perform a procedure to transmit the payment information and token information to the confirmed banking server 196 via a designated path, and perform the banking The server 196 may receive the payment information and token information through a designated path, extract account information associated with the token information, and perform a procedure to approve payment of the payment information. Meanwhile, when PIN authentication information for PIN authentication of the simple payment is registered through the PIN registration processing unit 180, the payment processing unit 135 receives the PIN information for PIN authentication and The procedure of transmitting the payment information, token information, and PIN information to the confirmed banking server 196 can be performed, and the banking server 196 transmits the payment information, token information, and PIN information through a designated path. After receiving the PIN and authenticating the PIN using the PIN information, the account information associated with the token information can be extracted and a procedure for approving payment using the payment information can be performed.

According to the second payment embodiment of the present invention, the payment procedure unit 135 confirms payment information including the payment amount for payment processing when making a simple payment of the affiliate app 110, and the token information and account information. Check the relay server that can be linked to the banking server 196 linked to the storage medium that stores the link, and transmit the payment information and token information to the relay server via a designated path, and the relay server is the banking server ( 196), the payment information and token information can be relayed. The banking server 196 may receive the payment information and token information from the relay server, extract account information associated with the token information, and perform a procedure to approve payment of the payment information. Meanwhile, when PIN authentication information for PIN authentication of the simple payment is registered through the PIN registration processing unit 180, the payment processing unit 135 receives the PIN information for PIN authentication, and sends the PIN information to the relay server. Payment information, token information, and PIN information can be transmitted, and the relay server can relay and transmit the payment information, token information, and PIN information to the banking server 196. The banking server 196 receives the payment information, token information, and PIN information through a designated path, and after PIN authentication using the PIN information, extracts account information linked to the token information and makes payment using the payment information. Approval procedures can be performed.

According to the third payment embodiment of the present invention, the payment procedure unit 135 checks payment information including the payment amount for payment processing when making a simple payment of the affiliate app 110, and the banking app 140 The payment information and token information can be transmitted to the banking app 140 while (or after) running (or activating), and the payment linkage unit 190 of the banking app 140 performs banking via a designated path. The process of transmitting payment information and token information for simple payment of the affiliated app 110 can be performed to the server 196, and the banking server 196 transmits the payment information and token information through a designated path. A process of receiving, extracting account information linked to the token information, and approving payment of the payment information can be performed. Meanwhile, when PIN authentication information for PIN authentication of the simple payment is registered through the PIN registration processing unit 180, the payment processing unit 135 receives the PIN information for PIN authentication, and the banking app 140 ), the payment information, token information, and PIN information can be transmitted, and the payment linkage unit 190 can receive the payment information, token information, and PIN information from the affiliated app 110. Meanwhile, depending on the implementation method, the PIN information can be entered through the banking app 140, and in this case, the payment linkage unit 190 receives the payment information and token information from the affiliate app 110 and receives the payment information and token information from the banking app 110. You can check the entered PIN information through (140). The payment linkage unit 190 may perform a procedure for transmitting the payment information, token information, and PIN information to the banking server 196 via a designated path, and the banking server 196 may transmit the payment information and token. A process of receiving information and PIN information, authenticating the PIN using the PIN information, extracting account information linked to the token information, and approving payment using the payment information can be performed.

According to the fourth payment embodiment of the present invention, the payment procedure unit 135 is a simple payment of the affiliate app 110 in a form that is at least partially combined with at least two embodiments of the first to third payment embodiments. can be processed, and the present invention also includes these embodiments as scope of rights.

The payment procedure unit 135 confirms a payment result corresponding to a payment procedure performed through at least one of the first to fourth payment embodiments, and outputs the confirmed payment result.

Figure 2 is a diagram illustrating the identification and authentication process of a user using the banking app 140 for simple registration according to the implementation method of the present invention.

In more detail, Figure 2 shows that the affiliate app 110 affiliated with the banking app 140 is (newly) installed on the wireless terminal 100 and when it is run for the first time (or operated before signing up), the affiliate app 110 is operated as a banking app. When simple registration using (140) is selected, the process of driving (or activating) the banking app (140) to identify and authenticate the user through the banking app (140) is shown, and common knowledge in the technical field to which the present invention pertains is shown. Those skilled in the art will be able to infer various implementation methods for the above process (e.g., implementation methods in which some steps are omitted or the order is changed) by referring to and/or modifying Figure 2, but the present invention does not apply to the above inferred methods. It includes all implementation methods, and its technical features are not limited to only the implementation method shown in Figure 2. Meanwhile, Figure 2 illustrates the process of issuing ticket information through the authentication server 194 in the banking app 140 before user identification authentication, but the process of issuing ticket information is limited to before the user identification authentication. No, it is clearly stated that the above ticket information falls within the scope of the rights of the present invention if it is issued only before the use of the ticket information even after user identification verification.

Referring to Figure 2, when any one of the M affiliated apps 110 affiliated with the banking app 140 is installed on the wireless terminal 100 and is run for the first time (or before subscription) ( 200), the affiliated app 110 checks whether the user is registered (205). If the user registration status is confirmed, the affiliate app 110 can perform a designated service provision procedure for the member (210).

Meanwhile, if the user registration status is not confirmed, the affiliate app 110 checks whether simple registration through the designated banking app 140 is selected (215). If simple sign-up through the banking app 140 is not selected, the affiliate app 110 displays a designated sign-up interface and performs the sign-up procedure according to the conventional procedure (220).

Meanwhile, when the simple subscription selection through the designated banking app 140 is confirmed, the affiliated app 110 checks whether the designated banking app 140 to be linked for the simple subscription is installed in the wireless terminal 100 (225) ). If the designated banking app 140 is not installed, the affiliate app 110 may perform a procedure to induce installation of the banking app 140 (230).

Meanwhile, when the designated banking app 140 to be linked for simple sign-up is confirmed, the affiliated app 110 processes the designated banking app 140 to be linked for easy sign-up to be run (or activated) (235) .

When the banking app 140 installed on the wireless terminal 100 is driven (or activated) (240), the banking app 140 is activated based on various information or app status confirmed at the time of operation (or activation). Check whether the banking app 140 is run (or activated) through the affiliate app 110 (245). If the banking app 140 is not driven (or activated) through the affiliate app 110, the banking app 140 performs a procedure to provide a designated banking service through the banking app 140 ( 250).

Meanwhile, when the banking app 140 is driven (or activated) through the affiliated app 110, the banking app 140 performs ticket information issuance procedure 255 and/or user identification authentication procedure 280, etc. can be performed.

When performing the ticket information issuance procedure, the banking app 140 requests issuance of ticket information to identify and authenticate interconnection with the affiliated app 110 to the designated authentication server 194 (255), and the authentication The server 194 confirms the ticket information issuance request of the banking app 140 (260) and provides unique ticket information (dynamically) to identify and authenticate the interconnection between the banking app 140 and the affiliated app 110. ) After creation (265), the procedure for issuing the generated ticket information is performed (270). The banking app 140 that requested issuance of the ticket information checks whether the ticket information is issued through the authentication server 194 (275). If the ticket information is issued, the banking app 140 can perform a user identification authentication procedure or various procedures using the ticket information.

Meanwhile, when performing a user identification authentication procedure, the banking app 140 uses T (T≥1) security authentication functions provided in the banking app 140 for simple registration of the affiliate app 110. Perform identification and authentication procedures (e.g., user identification and authentication procedures using a public certificate, etc.) on the user using the designated authentication server 194 using designated t (1≤t≤T) security authentication functions (280), The authentication server 194 performs a procedure to identify and authenticate the user in conjunction with the t security authentication functions executed in the banking app 140 (285). The process of identifying and authenticating the user may be performed t times until all t designated security authentication functions are used, but the present invention is not limited thereto.

Meanwhile, when the user is identified and authenticated through the security authentication function of the banking app 140, the authentication server 194 provides the subscription information of the user identified and authenticated through the banking app 140 to the affiliate app 110. and/or perform a procedure to register account information for simple payment of the affiliate app 110.

Figure 3 is a diagram illustrating a simple sign-up process using the banking app 140 according to the implementation method of the present invention.

In more detail, Figure 3 shows the user's registration information as a result of user identification and authentication through the process shown in Figure 2, and simple registration is processed by entering and registering account information for simple payment of the affiliate app 110. This process is illustrated, and those of ordinary skill in the art to which the present invention pertains can refer to Figure 3 and/or modify various implementation methods for the process (e.g., some steps may be omitted, or the sequence may be omitted). A modified implementation method) may be inferred, but the present invention includes all of the above inferred implementation methods, and its technical features are not limited to only the implementation method shown in Figure 3.

Referring to Figure 3, the authentication server 194 confirms the subscription information of the identified and authenticated user as a result of the user identification and authentication through the process shown in Figure 2 and provides it to the banking app 140 (or according to the implementation method). (300), and the banking app 140 provides the subscription information of the identified and authenticated user as a result of user identification and authentication through the process shown in Figure 2. Confirm/receive (305).

If the user's subscription information is confirmed, the banking app 140 inputs and processes account information to be used for simple payment of the affiliate app 110 (310). If account information for simple payment of the affiliate app 110 is entered, the banking app 140 links with the authentication server 194 through at least one of the first to fifth token issuance embodiments of the present invention. Token information that uniquely identifies the account information to be used for simple payment of the affiliate app (110) is issued and processed (315), the issued token information is checked (315), and linked with the banking app (140). The account information and token information can be linked and registered in the stored storage medium (325). Meanwhile, the banking app 140 inputs and processes PIN information for PIN authentication during simple payment of the affiliate app 110 (320), and stores the account information and token information in a storage medium linked to the banking app 140. And the PIN authentication information for the PIN authentication can be processed to be linked and registered (325).

The banking app 140 processes the subscription information and token information to be transmitted to the affiliated app 110 through at least one of the first to fifth information transmission embodiments of the present invention (330), The affiliate app 110 receives and confirms the subscription information and token information from the banking app 140 through at least one of the first to fifth information transfer embodiments (335), and the affiliate app ( 110), the subscription information and the token information are linked and registered in the storage medium linked (340).

Figure 4 is a diagram illustrating a simple payment process using account information registered through simple registration according to the implementation method of the present invention.

In more detail, Figure 4 shows the process of providing simple payment using token information registered in the storage medium linked to the affiliate app 110 through the process shown in Figure 3, and the technology to which the present invention belongs. Those skilled in the art will be able to infer various implementation methods for the above process (e.g., implementation methods in which some steps are omitted or the order is changed) by referring to and/or modifying Figure 4. The present invention includes all of the above-described implementation methods, and its technical features are not limited to only the implementation method shown in Figure 4. For example, the simple payment of the affiliate app 110 can be performed through the banking app 140 like the third payment embodiment of the present invention, and the present invention clearly states that this embodiment is also included in the scope of rights. It's a bar.

Referring to Figure 4, when making a simple payment of the affiliate app 110 that has registered the user's subscription information and token information in the storage medium associated with the affiliate app 110 through the process shown in Figure 3, the affiliate app ( 110) confirms payment information including the payment amount for simple payment (400), receives PIN information for PIN authentication for simple payment (405), and stores information in the storage medium linked to the affiliated app (110). Check registered and stored token information (410).

The affiliated app 110 transmits the payment information, token information, and PIN information for PIN authentication to the banking server 196 linked to the storage medium linked to the banking app 140 (415), and the banking The server 196 receives the payment information, token information, and PIN information through a designated path (420).

The banking server 196 linked to the storage medium linked to the banking app 140 performs a PIN authentication procedure using the PIN information through the storage medium linked to the banking app 140 (425). If the PIN authentication error occurs, the banking server 196 provides an authentication error to the affiliate app 110 (430), and the affiliate app 110 can receive the authentication error and output it (435).

Meanwhile, when the PIN authentication is successful, the banking server 196 checks the account information registered in connection with the token information through a storage medium linked to the banking app 140 (440). If the account information is confirmed, the banking server 196 performs a payment approval procedure for the payment information using the confirmed account information (445), and confirms the payment result of the payment approval procedure (450). ), provided to the affiliated app 110 (455), and the affiliated app 110 receives and outputs the payment result (460).

100: wireless terminal 105: local area network communication unit
110: Affiliate app 115: Subscription selection section
120: App confirmation unit 125: App driving unit
130: Subscription procedure department 135: Payment procedure department
140: Banking app 145: Operation confirmation unit
150: User authentication unit 155: Ticket issuance processing unit
160: Subscription information confirmation unit 165: Account registration processing unit
170: Token issuance processing unit 175: Token registration processing unit
180: PIN registration processing unit 185: Information delivery processing unit
190: Payment linkage unit

Claims (11)

In a simple sign-up method using a banking app running on the user's wireless terminal,
Among the M (M≥1) affiliate apps affiliated with the banking app, when you select the m (1≤m≤M) affiliate app newly installed on the wireless terminal to sign up using the banking app, the banking app runs (or becomes activated). The first step of becoming;
A second step in which the banking app processes user identification authentication and verifies the subscription information of the authenticated user;
A third step in which the banking app receives account information to be used for simple payment using the m affiliated app;
A fourth step of processing the banking app to issue token information containing a code value that uniquely identifies account information to be used for simple payment of the m-th affiliated app without duplication;
A fifth step in which the banking app processes the account information and token information to be linked and stored in a storage medium linked to the banking app; and
A sixth step of processing the banking app to transmit the subscription information and token information to the m-th affiliated app,
A simple sign-up method using a banking app, characterized in that the token information is linked with the subscription information through the m-th affiliated app and stored in a storage medium linked to the m-th affiliated app.
The method of claim 1, wherein the token information is:
When making a simple payment using the m-th affiliated app, the account information is transmitted to a server associated with a storage medium that stores the account information through a designated path from the m-th affiliated app, and is used to extract account information for the simple payment. Easy sign-up method using a banking app.
The method of claim 1, wherein the second step is:
A step of identifying and authenticating the user through a designated authentication server using t (1 ≤ t ≤ T) security authentication functions designated for the subscription among the T (T ≥ 1) security authentication functions provided in the banking app. A simple sign-up method using a banking app, which includes:
According to clause 1,
Checking uniquely issued ticket information without duplication through a designated authentication server to identify interconnection between the banking app and the m-th affiliated app; and
It further includes a step of the banking app transmitting the ticket information to the m-th affiliated app,
The ticket information is transmitted to the authentication server and used to identify and authenticate the interconnection between the banking app and the m affiliated app. A simple sign-up method using a banking app.
The method of claim 4, wherein the sixth step is:
registering, by the banking app, one or more of the subscription information and token information and ticket information to a designated authentication server; and
It includes the step of the banking app transmitting the ticket information to the m-th affiliated app,
Using a banking app, the m affiliated app receiving the ticket information further comprises the step of receiving one or more of the registration information and token information from the authentication server through the ticket information. Easy sign up method.
The method of claim 1, wherein the sixth step is:
A simple sign-up method using a banking app, comprising the step of transmitting the subscription information and token information to the m-th affiliate app while the banking app runs (or activates) the m-th affiliate app.
The method of claim 1, wherein the token information is:
A simple sign-up method using a banking app, characterized in that it includes information that uniquely identifies the combination of the account information and sign-up information.
According to clause 1,
The third step further includes receiving PIN information for PIN authentication for simple payment using the account information,
The fifth step is a simple sign-up method using a banking app, characterized in that it further includes the step of storing PIN authentication information for authenticating the validity of the PIN information in a storage medium associated with the banking app.
The method of claim 8, wherein the PIN information is:
When making a simple payment using the m affiliated app, it is entered through the m affiliated app and used in the PIN authentication process, or
A simple sign-up method using a banking app, characterized in that when making a simple payment using the m affiliated app, it is entered through a banking app run (or activated) through the m affiliated app and used for the PIN authentication process.
According to clause 1,
When making a simple payment using the m-th affiliated app, payment information including the payment amount confirmed through the m-th affiliated app and the token information are sent from the m-th affiliated app to a server linked with a storage medium linked to the banking app. A simple sign-up method using a banking app, characterized in that payment of the payment information is processed through account information transmitted and linked to the token information.
According to clause 1,
When making a simple payment using the m-th affiliated app, the banking app receiving payment information including the payment amount and the token information from the m-th affiliated app;
It further includes the step of the banking app transmitting the payment information and token information to a server linked to a storage medium linked to the banking app according to a designated procedure,
A simple sign-up method using a banking app, characterized in that payment of the payment information is processed through account information linked to the token information.