KR20010050861A - Mobile banking service system having printer using wireless network - Google Patents

Abstract

PURPOSE: An apparatus for a mobile portable financial service including a printer is provided to enable a user to conveniently use a terminal by providing a printer to a mobile portable financial service, thereby directly outputting wire/wireless data inside of the terminal or wire/wireless data transmitted from a host from the printer. CONSTITUTION: A key input unit(100) is composed of a keypad(110) and a mouse(120) in order to receive a control signal for a wire/wireless connection with a host and work process according to a user operates a key. A wire/wireless modem/personal portable communication device(200) transmits and receives wire/wireless data. An IC card reader(300) reads an IC card for confirming a user in order to cut off an operation of the third person. A microcomputer(400) confirms a user according to the wire/wireless data read from the IC card reader(300), and outputs a driving signal for displaying and printing the data. An LCD(500) is operated by a driving signal of the microcomputer(400). The LCD(500) displays all sorts of wire/wireless data. A printer(600) is operated by the driving signal of the microcomputer(400). The printer(600) outputs wire/wireless data selected by the user. A memory(700) stores all sorts of wire/wireless data and a program.

Description

Mobile banking service system with built-in printer {Mobile banking service system having printer using wireless network}

The present invention relates to a wireless network portable financial service device in which a printer is embedded, and more particularly, to process a financial service immediately in the field, and to output wired / wireless data as a document through an integrated printer. The present invention relates to a wireless network portable financial service device in which a printer is embedded.

In general, there are several types of wireless network portable terminals. Some examples include wireless network portable financial deposit and withdrawal machines for banking operations, wireless network portable insurance processors and general document writers for insurance services.

Such a wireless network portable terminal has an advantage in that it is possible to directly process a transaction in real time by connecting the terminal through a host, that is, the head office and wired or wireless in the field, and the demand is increasing.

However, since the conventional wireless network portable terminal only transmits wired and wireless data through wired / wireless communication between the terminal and the host, in order to output wired and wireless data, the wireless network portable terminal must be connected to a separate printer to output wired and wireless data. there was.

The present invention is to solve the problems of the prior art as described above, its purpose is to embed the printer in the wireless network portable terminal to output the wired or wireless data in the terminal or wired and wireless data transmitted from the host directly from the printer The present invention provides a wireless network portable financial service device with a built-in printer that can increase convenience.

In addition, another object of the present invention is to provide a wireless network portable financial service device with a built-in printer to improve the security by implementing a security system for user identification and verification in order to prevent the use of others.

In addition, another object of the present invention is to write to the head for encrypting various information and decrypting the encrypted information in the host so that it is possible to immediately output the bankbook issuance and bankbook and slips or general documents of financial institutions in the field It is equipped with a magnetic read / write device that has a function. In particular, the bank account book of the financial institution can provide the transaction request information and the transaction information immediately so that the customer can freely make deposit, withdrawal, remittance, and account transfer in the field. The present invention provides a wireless network portable financial service device with a printer, which is a security system characterized by user verification verification for more convenient and quick and accurate wireless network financial service by inputting transaction details.

In addition, another object of the present invention is to provide a magnetic read / write (read / write) device, the wireless network portable financial service device with a built-in printer to enable issuance of the passbook and the bankbook and print out the slips or general documents in the field immediately To provide.

1 is a block diagram schematically showing the configuration of a wireless network portable financial service device according to the present invention

Figure 2 is a perspective view showing a wireless network portable financial service device according to the present invention

3 is a rear view of a wireless network portable financial service device according to the present invention

4 is a flowchart illustrating an operation of a printer in a wireless network portable financial service apparatus according to the present invention.

5 is an explanatory diagram showing a communication flow of a wireless network portable financial service device according to the present invention;

<Description of the code | symbol about the principal part of drawing>

100: key input unit 110: keypad

120: mouse 200: wired / wireless modem / personal portable communication device

300: IC card reader 350: Magnetic lead / light device

400: microcomputer 500: CD

600: printer 700: memory

800: encryption and decryption unit

According to a main feature of the present invention for achieving the above object, a key input unit for inputting a control signal for wired and wireless connection and business processing with the host according to the user's key operation; A wired / wireless modem / personal portable communication device connected to a host through a wired / wireless network to perform transmission and reception of wired and wireless data; An IC card reader section for reading an IC card for user confirmation to block a third party's operation; It controls the system as a whole, controls the wired / wireless modem / personal portable communication device according to the control signal of the key input unit, connects to the host via wired / wireless, confirms the user with the wired / wireless data read from the IC card reader, A microcomputer for outputting a drive signal for displaying and printing wired and wireless data; A display unit configured to display various wired and wireless data by operating by driving signals of the microcomputer; A printer unit operating by a drive signal of the microcomputer to output wired / wireless data selected by a user; Various wired / wireless data and programs are stored, and when the wired / wireless data is received through the wired / wireless modem / personal portable communication device by the control signal of the microcomputer, the wired / wireless data is stored, and the memory unit stores the wired / wireless data used in the system. Provided is a wireless network portable financial service device with a built-in printer.

At this time, according to an additional feature of the present invention, the printer unit is installed in the lower end of the main body, a bankbook or slip or general document paper insertion guide is formed on the front of the main body, the bankbook or slip or general on the back of the main body A document paper outlet is formed.

In addition, according to another additional feature of the present invention, the printer unit is characterized in that using an inkjet printer or a bubblejet printer or a laser printer.

According to another additional aspect of the present invention, the wired / wireless modem / personal portable communication device encrypts and transmits wired / wireless data of various types of information requiring security, and decrypts and processes the encrypted information in the host. It is done.

According to another additional aspect of the present invention, there is provided a magnetic read / write device connected to the microcomputer to enable issuance of a bankbook and a bankbook organizer and a slip or a general document immediately in the field. It is characterized by further comprising.

The above objects and various advantages of the present invention will become more apparent from the preferred embodiments of the invention described below with reference to the accompanying drawings by those skilled in the art.

Hereinafter, the configuration and operation of a wireless network portable financial service device according to the present invention will be described in detail with reference to FIGS. 1 to 5.

1 is a block diagram schematically showing the configuration of a wireless network portable financial service apparatus according to the present invention, FIG. 2 is a perspective view showing a wireless network portable financial service apparatus according to the present invention, and FIG. 3 is a wireless network according to the present invention. 4 is a rear view of the portable financial service apparatus, and FIG. 4 is an operation flowchart showing the operation of the printer in the wireless network portable financial service apparatus according to the present invention, and FIG. It is explanatory drawing.

1 to 3, the key input unit 100 receives a keypad 110 and a mouse to receive a control signal for wired / wireless connection and business processing with a host, that is, a financial institution server according to a user's key manipulation. It consists of 120. Here, it is preferable that the mouse 120 uses a mouse pad installed in the keypad 110.

The wired / wireless modem / personal portable communication device 200 is operated by a control signal of the microcomputer 400 and is configured to transmit and receive wired / wireless data by connecting to a host or a wired or wireless communication terminal or a mobile communication terminal connected through a port 210. It is installed on the side of the main body 10. Here, the wired / wireless modem / personal portable communication device 200 has a port for connecting wired and wireless, and enhances security by encrypting and transmitting wired and wireless data of various types of information transmitted to a host. It can also send and receive faxes for general business use.

The IC card reader 300 is configured to read an IC card for user confirmation and transmit information stored in the IC card to the microcomputer 400 in order to block a third party's operation, and is installed at the side of the main body 10. In this case, since a security problem occurs when using a wireless network, each user has his or her own IC card in order to implement a security system for user identification and verification, and when the system is operated, the IC card reader ( 300) is used.

The magnetic lead / light device 350 is connected to the microcomputer 400, and reads user information on the magnetic attached to the bankbook in order to be able to immediately issue a bankbook in the field and output the bankbook and the slip or general document. And write (write) is possible, and is installed on one side of the main body (10).

The microcomputer 400 controls the system as a whole, and in particular, the microcomputer 400 controls the port of the wired / wireless modem / personal portable communication device 200 according to the operation signal of the keypad 110 or the mouse 120 of the key input unit 100. The host and the wired / wireless connection are connected, the user is confirmed by the wired / wireless data read from the IC card reader 300, and a control signal is output to the LCD 500 to control various wired / wireless data to be displayed on the LCD 500. In addition, the microcomputer 400 controls the memory 700 to periodically back up the wired / wireless data received from the host, and when the user operates the key input unit 100 to transmit a printing signal, the microcomputer 400 prints the wired / wireless data corresponding thereto. It is configured to transmit to 600, it is installed inside the body (10). In addition, the microcomputer 400 is provided with an encryption and decryption unit 800 for encrypting a signal to be transmitted and decrypting the received signal.

The LCD 500 is configured to display various wired and wireless data under the control of the microcomputer 400 and is installed on the top of the main body 10.

The printer 600 is configured to output wired or wireless data according to a control signal of the microcomputer 400, and is installed at a lower end of the main body 10, and inserts a passbook or slip or general document paper insertion guide in front of the main body 10. 610 is formed, the bank or slip or general document paper outlet 620 is formed on the back of the main body 10. Here, the printer 600 is preferably a small volume inkjet printer, bubble jet printer or laser printer.

The memory 700 stores various wired / wireless data and programs, and stores the wired / wireless data when the wired / wireless modem / personal portable communication device 200 is received by the control signal of the microcomputer 400 and uses the same within the system. Configured wired and wireless data.

Reference numeral 11 in the figure is a supporting groove for mounting the mobile communication terminal.

The operation of the wireless network portable financial service device with a printer according to the present invention having the above configuration will be described in detail with reference to FIGS. 4 and 5 as follows.

First, in order to drive the system in a state in which the user turns on the power of the system, the IC card must be inserted into the card slot 310 of the IC card reader 300. At this time, the IC card reader 300 reads the password stored in the IC card of the user and transmits the read wired / wireless data to the microcomputer 400 (S10).

Then, the microcomputer 400 compares the read wired / wireless data with the password wired / wireless data of the user pre-stored in the memory 700 and checks whether the passwords match, and if the result is matched (S20), the user checks the wired / wireless data. It is checked whether or not the personal portable communication device modem driving signal is input (S30). In this case, the user connects a telephone line to a port of the wired / wireless modem / personal portable communication device 200 or connects a wireless mobile communication terminal which is a personal portable communication device. At this time, as shown in FIG. 5, the wired / wireless modem / personal portable communication device 200 is connected to the host through a general telephone line or a dedicated line and a wireless communication network.

At this time, when the user inputs a wired / wireless modem driving signal, the microcomputer 400 drives the wired / wireless modem / personal portable communication device 200 or the wireless mobile terminal of the serial terminal to connect to a host of a financial institution (S40). The microcomputer 400 executes a program to transmit wired or wireless data to a host or receives wired and wireless data from a host and stores the data in the memory 700 (S50 and S60).

If you want to print out the bankbook issuance and account bookkeeping and publication or general document in the above to insert the bankbook in the magnetic lead / light device 350 to read or write the user information from the magnetic of the bankbook. In this case, in the case of arranging the bankbook, the bankbook is subsequently inserted into the printer 600 to record the contents of the financial transaction. By this operation, customers of financial institutions can freely perform deposits, withdrawals, wire transfers, and bank transfers on site. At this time, by enabling the customer to enter and confirm the transaction request information and transaction history, it is possible to make active financial transactions safely and quickly and accurately.

Even during the operation described above, the wired / wireless modem / personal portable communication device 200 encrypts the information and transmits the information to the host, and decrypts the information in the host to process the financial transaction.

After the operation is performed, when the user transmits a printing command for the operation result through the key input unit 100, the microcomputer 400 transmits the financial transaction wired / wireless data stored in the memory 700 to the printer. 600 prints the wired / wireless data transmitted from the microcomputer 400 by a method of issuing a book, arranging a book or issuing a slip or printing a general document (S70 and S80). At this time, the printer 600 checks whether there is a passbook or slip or general document paper in the bankbook or slip or general document paper insertion guide 610, and if there is a passbook or slip or general document, the printing operation proceeds to the passbook or slip Alternatively, if there is no general document paper, it is notified to the microcomputer 400 to allow the user to insert a bankbook or slip or general document paper.

Thereafter, the microcomputer 400 checks whether the printing job is finished and ends the job when the printing job is finished (S90).

In operation S70, the microcomputer 400 does not input a printing command. When the program driving command is input, the microcomputer 400 proceeds with the program and proceeds with the operation (eg, a word job) according to a user's operation.

Therefore, the wired and wireless data can be directly printed by the terminal, thereby increasing user convenience and improving work efficiency.

While the invention has been shown and described in connection with specific embodiments thereof, it is well known in the art that various modifications and changes can be made without departing from the spirit and scope of the invention as indicated by the claims. Anyone who owns it can easily find out.

For example, an encryption system operating software disk (DES) including a micro program may be used to operate the hardware system implemented by the present invention. In this case, the wireless network portable financial service apparatus of the present invention generates 8-bit random numbers by using the system operating software DIS and encrypts the data to the host, and transmits the encrypted random numbers to the hardware. After decoding through the wired and wireless data processing.

As described above, the wireless network portable financial service apparatus incorporating the printer according to the present invention increases the convenience of use of the terminal by embedding the printer in the terminal to output the wired / wireless data in the terminal or the wired / wireless data transmitted from the host. It can be effective.

In addition, mobile services can be provided through a wireless network using a mobile phone, a wireless network or a wired / wireless modem, thereby enabling wireless network financial services on the spot in real time, out of the service limits of existing fixed terminals, and in charge of financial institutions. Issuance, ticket issuance, account bookkeeping, and general document output can be processed immediately in the field to improve the user's reliability.

In addition, by allowing customers or general customers of financial institutions to enter and confirm transaction request information and transaction details, reliability can be improved, and the financial institutions or general customers can be prevented from leaking personal information.

Claims (6)

A key input unit for inputting a control signal for wired / wireless connection and business processing with a host according to a user's key operation; A wired / wireless modem / personal communication device connected to a host via wired / wireless to transmit and receive wired / wireless data; An IC card reader unit for reading an IC card for user confirmation to block a third party's operation, Control the system as a whole, control the wired / wireless modem / personal portable communication device according to the control signal of the key input unit, connect to the host via wired / wireless, identify the user with wired / wireless data read from the IC card reader, A microcomputer that outputs drive signals for displaying and printing wired and wireless data; A display unit which operates by driving signals of the microcomputer to display various wired and wireless data; A printer unit operating by a drive signal of the microcomputer to output wired / wireless data selected by a user; Various wired / wireless data and programs are stored, and when the wired / wireless data is received through the wired / wireless modem / personal portable communication device by the control signal of the microcomputer, the wired / wireless data is stored, and the memory unit stores the wired / wireless data used in the system. Wireless network portable financial service device with a printer, characterized in that the configuration. The method of claim 1, The printer unit is installed in the lower end of the main body, the bank, slip or general document sheet insertion guide is formed on the front of the main body, the printer, characterized in that the bank, slip or general document paper outlet is formed on the rear of the main body Embedded wireless network portable financial service device. The method of claim 1, The printer unit is a wireless network portable financial service device with a printer, characterized in that the inkjet printer. The method of claim 1, The printer is a wireless network portable financial service device with a printer, characterized in that the bubble jet printer or a laser printer. The method of claim 1, The wired / wireless modem / personal portable communication device encrypts wired / wireless data of various types of information requiring security using encryption system software and transmits the encrypted data to a host, and decrypts and processes the encrypted information at the host to suit the financial service device. Wireless network portable financial service device with a printer, characterized in that. The method of claim 1, It is connected to the microcomputer, and further comprising a magnetic read / write (read / write) device for controlling the magnetic part of the passbook to immediately print out the passbook and the passbook organizer and general documents can be output in the field Portable financial service device with a built-in printer.