KR20010074291A - Method and system for internet banking using flash memory card - Google Patents

Abstract

PURPOSE: An Internet banking system using a flash memory card and a method thereof are provided to perform payment for a banking transaction in a remote place and to use a shopping mall on the Internet promptly and simply by inserting a portable flash memory card having a USB(universal serial bus) terminal into a USB of a computer main body and being called an application form for an Internet banking through a main server of each bank. CONSTITUTION: A terminal connection unit(110) is inserted into a USB port(3) of a computer main body(1) being connected to the Internet and generates a transmission/receipt of Internet banking data. A logical control unit(130) consists of a logic circuit for converting and processing data being transmitted/received through the terminal connection unit(110). A control unit(120) adjusts a command system to the computer main body(1) through the logical control unit(130). A banking program loading unit(140) executes an application program interface by a command control of the control unit(120). An account information storing unit(150) stores account information including personal contents of an Internet banking user. A certification document storing unit(160) and a certification document calling unit(170) stores and calls encryption data of the account information storing unit(150).

Description

Internet banking system using flash memory card and method thereof {Method and system for internet banking using flash memory card}

The present invention relates to an internet banking system and a method using a flash memory card that is easy to carry, and more particularly, to insert a portable flash memory card into a universal serial port (USB) of a computer main body. Easily perform banking transactions and payments on the Internet by remotely calling the Internet banking program through the bank's main server or by encrypting your account information and personal information. The present invention relates to an internet banking system using a flash memory card and a method thereof to improve security in internet payment and to perform a quick account payment and banking operation by having a certificate embedded therein.

In recent years, due to the rapid development of Internet technology and technical improvement of banking security program, each bank is reducing the number of tellers at each branch and using the wired / wireless telephone or internet banking with computer connected to the internet. From the point of view of bank traders, bank transactions using tele-banking and internet banking are being actively conducted due to the popular dissemination of wireless telephones and high-speed communication networks and low fees.

However, in the case of conventional telebanking, when a banking user picks up the handset of a wired or wireless telephone and makes a call using an ARS provided by each bank, the user must press the button of the telephone several times according to the instructions. It is pointed out that if a button operation is wrongly performed due to carelessness during service, a banking transaction must be retried from the beginning.

For example, when you use the tele-banking, you need to enter a number by pressing the number button, including the ARS phone number provided by each bank, including service code such as balance inquiry and bank transfer, social security number, telebanking password, security card number, and withdrawal account. Since the password and the transfer account number, including the number, and the amount of the transfer must be entered in order, the average processing speed of the transfer will be considerably slowed down.

In addition, in the case of conventional telebanking, a banking user who is sensitive to visual effects may have a problem in that reliability of the result may be questioned when a transfer completion and payment completion message of a voice service is received.

Due to the above-mentioned problems of telebanking, Internet banking is being activated along with the rapid spread of Internet usage, and the conventional internet banking system is used when an Internet banking user wants to conduct a bank transaction remotely using a computer connected to the Internet. It is configured to be used after authentication by identifier information (ID, password, etc.) through homepage that can access bank's main server.

In addition, even after accessing the main server of the bank that wants to make transactions through the Internet, the banking user goes through many screens displayed on the monitor by sending web pages that are not necessary for the banking business. There is this.

When using a shopping mall on the Internet, a banking user uses a conventional internet banking to operate a web browser separate from the shopping mall website to access the bank's website and pay for the purchased items. When activated, the screen of the shopping mall being used is obscured. Therefore, the active web browser must be clicked several times in order to view the target account, and the size of the activated window must be selectively adjusted.

Due to this disadvantage, the shopping mall user uses e-money or credit card payment methods provided by the shopping mall, rather than using the bank's Internet banking to pay for the purchased goods. Because of the exposure of credit card information and personal information through the problem of security is emerging.

In addition, after the Internet banking user accesses the main server through each bank's homepage, the user must request a certificate for the Internet banking transaction and receive a certificate with a predetermined expiration period from the main server. A folder called XecureSSL is created on the HDD and the certificate is stored. If there is no certificate due to the connection of another computer or the format of the hard drive, it is inconvenient to generate the certificate again.

Accordingly, the present invention has been made to solve the above-mentioned shortcomings and problems pointed out in the conventional banking business including remote banking and internet banking, and is equipped with a USB terminal and a portable flash memory card. Is inserted into the Universal Serial Bus (USB) of the main body of the computer and embedded in a memory card or an application form for Internet banking is called through each bank's main server, thereby allowing remote banking and Internet access. An object of the present invention is to provide an internet banking system using a flash memory card and a method thereof, which enables a user to easily and quickly perform an account payment for using a shopping mall.

In addition, another object of the present invention is a built-in certificate that encrypts the account information and personal information of the Internet banking user inside the flash memory card and the banking program is installed on the hard drive (HDD) of the computer main body through the USB port. The flash memory card is designed to improve security when paying on the Internet, and to simplify the steps of performing Internet banking because there is no need to perform a certificate generation step every time you use another PC. The present invention provides an internet banking system and a method thereof.

1 is a system configuration for performing Internet banking using the flash memory card of the present invention.

2 is a monitor screen configuration after inserting the flash memory card when the shopping mall payment using the present invention.

3 is a diagram illustrating a process of performing an Internet banking system through an application of the present invention.

(A) is the service code selection screen,

(B) is the deposit information input screen,

(C) is the security card number input screen,

(D) is a screen for receiving a transfer completion message.

Fig. 4 is a block diagram showing the internal structure of a flash memory card used in the present invention.

Figure 5 is a flow chart illustrating the process of performing a wire transfer of the present invention Internet banking system.

((Explanation of symbols for main part of drawing))

1. Computer body 2. Monitor

3. USB port 4. Flash memory card

4a. USB terminal 110.Terminal connection

120. Controller 130. Logic Controller

140. Top Banking Program 150. Account Information Storage

160. Certificate store 170. Certificate call unit

The object of the present invention is a computer main body provided with an auxiliary storage device (FDD, CD-rom) at the front and a Universal Serial Bus (USB) port at the bottom and provided with a predetermined Internet connection means. And a flash memory card including a monitor connected to the computer main body to display a web page transmitted through the web through a web browser, and a USB terminal at the front thereof to be inserted into a USB port at the bottom of the computer main body. .

The computer main body may be connected to a main server of a bank serving Internet banking by means of an Internet connection means such as a dial-up modem or a dedicated line, and data exchange with the main server may be made using input means such as a keyboard and a mouse.

The flash memory card, which is connected by insertion on a USB port provided at the bottom of the computer main body, has a USB terminal connection part for connecting to the computer main body at the front, and has a logic control part composed of logic circuits, a logic control part and a computer main body. The controller unit controlling the command system and the top portion of the banking program output in the application form on the monitor, the account information storage unit for storing the account information and personal information of the banking user, and the account information storage data is encrypted and stored and recalled It consists of a certificate storage unit and a certificate call unit.

Internet banking system and method using the flash memory card of the present invention, if a user who wants to use the Internet banking of the bank, that is, a bank trader applies for internet banking through the bank, the bank receives a usage application and the 4-digit number is used. You will receive a flash memory card that stores a number of printed security cards and account information.

The internet banking user who has received the flash memory card inserts the memory card terminal into the USB port provided in the computer main body connected to the remote internet, and is directly connected to the main server of the corresponding bank and provided by the server or banking embedded in the memory card. The program is called and output to a separate browser on the monitor.

At this time, the Internet banking user inputs identifier information (password) for authentication of access to the main server of the bank and requests for issuance of a certificate for encryption of account information including his / her personal information at the first access of the Internet banking program. The bank's main server generates an encrypted certificate and transmits it to the computer body of the Internet banking user to store the certificate through a memory card.

Meanwhile, the Internet banking user does not need to generate a new certificate even when using another computer using a memory card in which the certificate is stored or when using the Internet banking after the hard drive is formatted.

In addition, the Internet banking system of the present invention inserts the flash memory card into the USB port of the computer body, and then accesses the bank's main server through a simple authentication process, and calls the bank information through the Internet banking by calling the account information stored in the memory card. In addition to simplifying the transaction process, there is a technical feature to improve security at the time of Internet payment by storing the memory card of the certificate.

The matters relating to the operational effects including the technical configuration for the above object of the Internet banking system and the method using the flash memory card of the present invention are clearly understood by the following detailed description with reference to the drawings showing preferred embodiments of the present invention. Will be.

First, Figure 1 is a system configuration for performing the Internet banking using the flash memory card of the present invention, the Internet banking system using the flash memory card of the present invention as shown in the front auxiliary storage device (FDD, CD-rom) ) And a power switch and a computer main body 1 having a universal serial bus (USB) port (3) formed at a lower end thereof, and a plurality of web pages connected to the computer main body 1 through a web browser. And a flash memory card 4 provided with a USB terminal 4a in front so as to be inserted into a USB port 3 at the bottom of the computer main body 1.

The computer main body 1 is provided with an Internet connection means such as a dial-up modem or a dedicated line for connecting to the main server of the bank, and is configured to connect to the Internet environment at any time. It is configured to exchange data with the main server of each bank connected through the Internet by the input means.

In addition, on the monitor 2 connected to the computer main body 1, a website by URL information input by the user, including a plurality of web pages transmitted from the main server of the bank through the computer main body 1 connected to the Internet, is displayed. Displayed through a separate web browser.

On the other hand, the front or rear of the computer main body 1 is provided with a USB port (3) is inserted into the USB terminal 4a of the flash memory card 4 to read the data in the memory card (4).

An internal structure of the flash memory card 4 inserted into the USB port 3 of the computer main body 1 will be described with reference to FIG.

4 is a block diagram showing the internal configuration of a flash memory card used in the present invention. As shown, the flash memory card main body 100 of the present invention is a USB port 3 of a computer main body 1 connected to the Internet. A terminal control unit 110 inserted into and generated from the Internet banking data to be transmitted and received, a logic control unit 130 configured of a logic circuit so that data transmitted and received through the terminal connection unit 110 is converted and processed, and the logic control unit 130. The controller unit 120 for adjusting the command system with the computer main body 1 through the bank, and the banking program top 140 for executing the application program (API: Application Program Interface) by the command control of the controller unit 120 and The account information storage unit 150 stores account information including personal information of the Internet banking user, and the certificate storage unit 160 in which data of the account information storage unit 150 is encrypted and stored and called. And a certificate call unit 170.

The terminal connection unit 110 transmits the input data received through the computer main body 1 to the logic control unit 120 via the controller unit 130 and through the controller system 130 by the command system transmitted. The called certificate and the banking program in API form are transmitted to the computer main body 1.

When the Internet banking application program of the banking program top 140 is displayed on the monitor 2 through the computer main body 1, data inputted on the application program and transmitted / received through the terminal connection unit 110 is controlled by a logic circuit. By the main server of each bank connected to the Internet.

Therefore, the main server of each bank calls the certificate of the Internet banking user when accessing the memory card. If the certificate call is not made at the first access, account information including personal information stored in the account information storage unit 150 is encrypted. The generation of the certificate is made, and the generated certificate is stored in the certificate storage unit 160.

After the connection of the Internet banking system using a flash memory card, a separate certificate generation step may be omitted, and this may be applied to a banking connection after formatting a computer body or a hard drive of another remote location.

Next, FIG. 2 and FIG. 3 are diagrams illustrating an embodiment of an account payment of the Internet banking system according to the present invention. Referring to FIG. 2, FIG.

2 is a block diagram of a monitor screen after inserting a flash memory card at the time of payment of a shopping mall using the present invention, and FIG. 3 is a diagram illustrating a process of performing an internet banking system through an application program of the present invention. (B) is a deposit information input screen, (c) is a security card number input screen, and (d) is a transfer completion message receiving screen.

As shown, the Internet banking system using the flash memory card of the present invention is equipped with a flash memory card (4) equipped with a separate application for performing the Internet banking to the USB port (3) of the computer main body (1) If so, the application window 30 of the bank is output to one side of the web browser 20 displayed on the monitor screen 10.

The application program window 30 is relatively small on one side of the screen 10 so as not to obscure the output of the web browser 20 displayed on the monitor screen 10 as much as possible.

At this time, the Internet banking user selects the service code 31 such as the account transfer, balance inquiry, loan inquiry output through the application program window 30, and if you want to end the Internet banking program 'Close' (32) Select to end the banking program.

When the Internet banking user selects the service code 31 to be used, the transfer information received by requesting the transfer information such as the deposit account, the transfer amount, the account holder, etc. to be transferred is directly transmitted to the main server of the bank.

In the above step, if the user selects 'OK' 34, the screen is changed to the next step. If the user selects 'Cancel' 35, the service code selection step is moved to the previous step.

Next, when the input of the transfer information is completed and select 'confirmation' (34), the bank's main server calls the certificate encrypted with the remittance account information, if the first connection using the memory card account information storage unit 150 ) And extract the data to create a certificate with separate password settings.

When the banking authentication of the certificate is made from the certificate call unit 170 of the flash memory card main body 100, a specific digit number of the security card issued together with the memory card is requested and the number of the security card matches. In this case, as shown in (d) of FIG. 3, the transfer completion message to the corresponding account is transmitted.

Finally, Figure 5 is a flow chart showing the process of performing the transfer of the Internet banking system of the present invention, as shown in the Internet banking method using the flash memory card of the present invention is a computer main body connected to the Internet to the user who wants to use the Internet banking When the USB port 3 of (1) is connected to the bank's main server by connecting the USB terminal 4a of the flash memory card 4 (step A101), the main server is embedded in the flash memory card or driven on the main server. If possible, a banking program composed of a separate application program is called (step A102) and displayed on the monitor 2 connected to the computer main body 1.

In the calling process of the banking program, the main server of each bank may request input of separate identifier information in order to confirm whether the bank is authenticated.

When the application program window 30 in API (Application Program Interface) format is output on the user monitor screen 10 and a user's account transfer service code selection (step A103) is received, the user transfers the transfer information input screen. Input of the transfer information of the amount to be made is received (step A104).

At this time, the main server attempts to call a certificate (step A105) from the certificate call unit 170 of the flash memory card 4 inserted into the computer main body 1 of the Internet banking user. When the certificate call is made, a request is made to input the identification number of the 4-digit security card (step A108).

If the certificate is not called through the certificate storage unit 160 of the flash memory card, the main server generates a certificate based on the data of the account information storage unit 150 of the flash memory card (step A106). The certificate is stored in the certificate storage unit 160 of the memory card (step A107).

In step A108, when the Internet banking user selects the confirmation by inputting the security card identification number, the main server of the bank performs the transfer of the specified amount and sends the transfer transfer message to the computer main body equipped with the flash memory card 4 ( In step 1), the transfer process of the Internet banking is terminated.

The API type application program executed after the USB terminal of the flash memory card used in the Internet banking system of the present invention can be automatically updated by comparing the program version of the main server after the memory card is connected. On the front and back sides, the bank may attach or print logo images or other promotional advertisement stickers.

As described above, the Internet banking system and the method using the flash memory card of the present invention is inserted into a universal serial port (USB: Universal Serial Bus) of the computer main body and equipped with a USB terminal and a portable flash memory card to the memory card Internet banking is called through the internal server or the main server of each bank, so that the banking program and the payment of accounts on the shopping mall on the Internet can be carried out easily and quickly, and the Internet inside the flash memory card Since the certificate encrypting the banking user's account information and personal information is built-in and the banking program is not installed on the hard drive (HDD) of the computer through the USB port, the security is improved when the Internet is paid. Every time you use Since there is no need to perform the steps of performing the Internet banking has the advantage that the convenience of use can be provided.

Claims (3)

When a user who wants to conduct internet banking connects to the main server of the bank by connecting the USB port of the flash memory card to the USB port of the computer connected to the Internet (A101), the main server is embedded in the flash memory card or runs on the main server. Calling (A102) a banking program composed of a separate application program to display on a monitor connected to the computer main body; When the application program window is output on the monitor screen and the user's account transfer service code selection (A103) is received, the transfer information input screen is transmitted to receive the transfer information input (A104) of the amount to be transferred by the user; When the main server attempts to call a certificate (A105) from the certificate call unit of the flash memory card inserted into the computer body of the Internet banking user, and the certificate is called and the banking authorization is made, the identification number of the 4-digit security card is entered. Requesting input (A108), If the certificate is not called in step A105, the main server generates a certificate based on the account information storage unit data of the flash memory card (A106), and the generated certificate is stored in the certificate storage unit of the flash memory card. Step (A107), When the security card identification number input by the Internet banking user is received in step A108, the main server performs a transfer of the specified amount and transmits the transfer transfer message to the computer main body equipped with the flash memory card (A109). Internet banking method using a flash memory card characterized in that. A computer main body (1) having an auxiliary storage device (FDD, CD-rom) and a power switch on the front side, and a universal serial bus (USB) port (3) formed on the bottom thereof and provided with a predetermined internet connection means (1). ) And a monitor (2) connected to the computer main body (1) to display a plurality of web pages through a web browser, the personal computer system having a USB port (3) below the computer main body (1). Flash memory card (4) is inserted into the front USB terminal (4a) is directly connected to the main server of the bank that wants to use Internet banking via the Internet connected to the computer main body (1) to run the application of the API type Internet banking system using a flash memory card, characterized in that consisting of. 3. The flash memory card of claim 2, wherein the flash memory card is inserted into a USB port 3 of a computer main body 1 connected to the Internet to connect the terminal connection unit 110 to transmit and receive Internet banking data, and the terminal connection unit 110. A controller 120 configured as a logic circuit so as to convert the data transmitted and received through the controller, a controller 120 for adjusting a command system with the computer main body 1 through the logic controller 130, and a controller 120. Banking program top section 140, the application program (API: Application Program Interface) is executed by the command control of the account information storage unit 150, the account information including the personal information of the Internet banking user is stored, and the account Internet banking system using a flash memory card, characterized in that the data storage unit 150 consists of a certificate storage unit 160 and a certificate call unit 170 is encrypted and stored and recalled Tem.