KR20020007868A - Card checking device and electronic payment method using this device - Google Patents

Abstract

PURPOSE: Provided is a card checking system for PC banking which checks account information in real time and pays electronically so that it helps users to do monetary work conveniently. CONSTITUTION: The electronic payment method with the card checking system for PC banking based comprises the steps of: (i) receiving payment account number to assign payment account from the card checking system, bankbook password, deposit account number to assign deposit account and transfer texts including money transferred from payment account to deposit account; (ii) printing the transfer texts at a computer server in a bank; (iii) receiving the transfer results from the computer server of the bank; and (iv) printing the transfer results at the card checking system.

Description

Card checker for PC banking and electronic payment method using the same {CARD CHECKING DEVICE AND ELECTRONIC PAYMENT METHOD USING THIS DEVICE}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card bank checker for PC banking, and more particularly, to a card bank checker for PC banking which can be used as an electronic payment means.

The hardware components of the current card checker device are ROM and RAM memory, CPU, I / O driver, screen display, print output, key input, modem and dedicated line, and RS232C (computer and external). And a communication unit equipped with a standard for serial data communication of the device, and a card reading unit, basically having all the elements necessary for performing functions as a general PC. Also, its performance is superior to the level of Apple Computer in the past, and unlike the past Apple, the hardware capabilities of the card checker device can be easily compared to Apple Computer. Can do so much incomparably.

However, no matter how good the hardware component is, it is useless unless it is supported by software that can make good use of it. The situation is understood by the software characteristics of current checker devices. In terms of hardware, it has more than PC capability, but the system is configured so that it cannot perform PC functions at all. In order for a card checker device to have PC capabilities, it must first be able to drive the device through keyboard input, which is not possible.

The operation of the current card checker device is possible only when the card is inserted in the reading part. Thus, a checker device without a card insertion is literally a lump and nothing can be done on its own. In addition, even after the card is inserted, the current checker device is limited to a software configuration such that the credit card user's credit usage limit can be queried by the card company or the debit card user's usage. The enemy personality is ignored altogether. Therefore, it was impossible for the owner's owner to use the bank's PC banking system using a checker without a card. Moreover, I could never imagine using a checker device as a means of electronic payment.

As such, the current card checker device has been buried in value due to misconfiguration of software despite high hardware capability. Not only is this a waste of resources, it is also faced with the expansion of PCs and communication capabilities required by the information society. In addition, the mental and physical loss of merchant owners across the country, which would not have to go through if the checker device had PC functions and electronic payment capabilities, would be enormous. Indeed, merchant owners across the country are using a direct debit method to reduce the loss, but the solution is not a solution. Still, they are taking the hassle of going to and from a bank for the transactions they need to supply.

The bank's PC banking system greatly alleviates the member's time and space burdens, but it can not be overcome by the limitation of having a PC. Therefore, due to the burden of place and money due to the installation of PC and the burden of escaping Communities, it is not generalized in the general check shop. However, PC banking also provides an electronic payment method called account transfer, so it is the most urgently needed means in frontline sales places that are responsible for the axis of goods circulation. Therefore, PC banking should be focused on business places rather than personal centers. In addition, the method would be much faster than converting the existing checker device to a PC that all businesses have in common, rather than supplying PCs to all businesses.

The problem with the current card checker device is that the software driving routine of the hardware device is limited to the card reader so that the system can be designed so that the checker device can not function as a PC without the card, and the system's processing routine can be queried by the card user. It was designed to limit the PC personality and capabilities of the card checker device.

The present invention is to solve this problem, it is an object of the card checker device to have a function required for PC banking without compromising the function of the existing card checker device.

It is another object of the present invention to provide a method in which the card checker device can be used as a means of electronic payment through PC banking.

It is another object of the present invention to provide a PC banking system capable of providing a documentary printout.

1 is a configuration diagram of hardware components and software components of a conventional card checker device;

2 is a block diagram showing a hardware driving routine and a software process of a conventional credit card checker device;

3 is a block diagram showing a hardware driving routine and a software process of a conventional debit card checker.

4 is a block diagram showing a hardware driving routine and a software process of a conventional PC banking system.

5 is a view for explaining the electronic operation of the PC banking system according to an embodiment of the present invention,

6 is a view for explaining the electronic operation of the PC banking system according to another embodiment of the present invention,

7 is a view for explaining the electronic operation of the PC banking system according to another embodiment of the present invention,

FIG. 8 is a configuration diagram of a card checker device for implementing the PC banking system shown in FIGS. 5, 6 and 7;

9 is a process flow diagram of a PC banking system according to the present invention;

10 is a flowchart showing a deposit balance inquiry processing routine among the processing routines of the PC banking system shown in FIG. 9;

FIG. 11 is a flowchart showing a deposit and withdrawal history inquiry processing routine among the processing routines of the PC banking system shown in FIG. 9;

FIG. 12 is a flowchart showing an autonomous transfer processing routine among the processing routines of the PC banking system shown in FIG. 9;

FIG. 13 is a flowchart showing another variant processing routine among the processing routines of the PC banking system shown in FIG. 9;

14 is a flowchart showing a processing routine for changing a communication password among the processing routines of the PC banking system shown in FIG. 9;

FIG. 15 is a flowchart showing a processing routine for changing a transfer password among processing routines of the PC banking system shown in FIG. 9;

16 is a configuration diagram of the operation key of the card checker device according to the present invention;

17 is a block diagram of the connection screen in the PC banking system according to the present invention,

18 is a block diagram of an input / output screen in the PC banking system according to the present invention.

In order to achieve the above object, the present invention provides a card checker for PC banking, the processor, a card reading unit for generating a card reading signal according to the card reading and transmitting to the processor, and a key input signal according to the key input A key input unit for generating and transmitting a key to the processor, an input screen for displaying a matter requiring input through the key input unit, or an output screen for displaying a processing result of the processor according to the processing of the processor; And a communication unit for connecting the card checker to an external communication network under control of the processor, and a memory connected to the processor and storing a card inquiry processing program, a PC communication program, and a PC banking program. The card inquiry processing program when a card reading signal is input through a card reading unit. Call to perform the card query processing, and when a predetermined key input signal is input through the key input unit is characterized in that to perform the PC banking process by calling the PC communication program and the PC banking program.

In another aspect, the present invention provides a method for mediating electronic payment using a card checker of the above-described features, the withdrawal account number, the transfer equipment number for specifying the withdrawal account from the card checker, the deposit account number for specifying the deposit account, the Receiving a transfer contents including an amount to be transferred from a withdrawal account to the deposit account; outputting the transfer contents to a computer server of a bank; receiving a transfer result from the computer server of the bank; And outputting the transfer result to the card checker.

In addition, the present invention is a method for electronically paying using a card checker of the above-described features, the withdrawal account number for specifying the withdrawal account through the key input unit of the card checker, deposit code, the deposit account for specifying the deposit account Inputting a transfer contents including a number, an amount to be transferred from the withdrawal account to the deposit account, outputting the transfer contents to a computer server of the bank, and receiving a transfer result from the computer server of the bank; And, characterized in that it comprises the step of outputting the transfer result.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention; Although different drawings, like elements are denoted by like reference numerals.

1 is a block diagram showing hardware and software components of a conventional card checker device. In the conventional card checker device, the fact that the card 100 passes through the card reader 104 of the card checker device 102 is transmitted to the CPU 108 through the I / O driver 106. That is, when the fact that the card 100 has passed through the card reader 104 is transmitted to the CPU 108, the software 112 and the hardware 118 contained in the memory chip 110 operate, and the operation contents thereof. If displayed on the screen 124, the communication with the outside via the key input 126 (132), and outputs the result to the printed matter (138). In the conventional card checker device, only the credit card inquiry processing program 114 and the debit card inquiry processing program 116 are distributed in the ROM 120 and the RAM 122. The mounted program is configured by calling with a function key 128 on the checker device and operating using the numeric keys 130. However, the function key 128 does not have a PC support function, and the numeric key 130 can be used only after the card is inserted, so it is impossible for the checker owner A to use the checker for a purpose other than receiving the product sales price.

2 is a block diagram showing a hardware driving routine and a software process of a conventional credit card checker device. This is the case where the credit card inquiry processing program 114 is called through the function key 128 in the card checker device 102 shown in FIG. The credit card checker device 102 is a tool for receiving a payment when the checker owner A 200 sells a product to the buyer B 202 and wishes to be paid through the credit card 204 held by the buyer B. Used. The inquiry processing 206 of the credit card is carried out when i) the buyer B's credit card 204 contacts the reading unit 104 on the check machine, and ii) the inquiry program 114 of the checker 102 is executed. After receiving the key input, the VAN company 210 requests the card usage approval inquiry through the public network 208. i) The VAN company 210 receives the request and inquires the card company 212 and returns the result to the public network 208. Inform the checker 102 through a), i) if the card approval drops, the seller 200 prints the transaction and keeps it, and the checker 102 performs a procedure of transmitting the transaction back to the card company.

However, the card company 212 does not deposit the purchaser B's account 218 opened in the bank 216 to the seller's transaction account 220 based on the transaction data transmitted as described above. Therefore, in order to receive the payout, the seller must separately collect the printed transaction slip 214 each time and bill the card company 212 directly. Even if the payment is requested, it takes about one week or more for the actual payment to be deposited into the seller's account 220 through the card company, and even if the print slip is lost, no billing is possible at all. Since the inconvenience is so large, recently, checker owners A have been making money in recent years, and the collection of claims to VAN (direct debit) has become commonplace.

3 is a block diagram showing a hardware driving routine and a software process of a conventional debit card checker device. It is the case that the debit card inquiry processing program 116 is called through the function key 128 in the card checker device 102 shown in FIG. The debit card checker device 102 is used as a tool for receiving a payment when the checker owner A 200 sells a product to the buyer B 202 and wants to receive the payment through the debit card 300 held by the buyer B. do. Debit card inquiry processing (206) (i) when buyer B's debit card 300 contacts the reading unit 104 on the checker, ii) the checker program 114 of the checker receives the key input of the checker and receives the public network ( 208) request the VAN company 210 to check the use of the card, ⅲ) VAN receives the request to contact the bank's computer server 304 and inform the checker through the public network, iii) card approval When the seller drops, the seller prints and keeps the transaction history, and the checker sends the transaction history back to the computer server of the bank, iii) The computer server of the bank withdraws the transaction amount from the buyer B's account 218 based on the transaction history. Through the process of automatically depositing the transaction account 220 of the seller.

This is a much better deal for merchants than credit card transactions. However, the problem is that debit card transactions are very small compared to credit card transactions, and therefore have little effectiveness. In addition, even if it is a debit card transaction, the bank does not automatically notify you of the deposit, so that the seller must go through a separate deposit confirmation process and leave the bank in and out withdrawal. Because checker owner A is open for business, time constraints are very different from general individuals. Therefore, the fact that you can only withdraw money when you go to the bank during business hours is a tremendous burden, unlike the average individual thinks.

4 is a block diagram showing a hardware driving routine and a software process of a conventional bank PC banking system. The PC banking member 400 inquires (406) the deposit balance or deposit and withdrawal history of his account through the keyboard 404 input on his PC 402, or transfers the funds 408 to the transfer or the other party in the bank. It can be freed in real time. Inquiry is carried out by iii) accessing the computer server 304 of the bank 216 through the public network 208, and ii) inquiring the balance or transaction details of the magnetic account 412 opened in the bank through key input. If necessary, a process of transferring from one's account 412 to another's account 414 through the public network may be performed. However, at the time of transfer, the security code 418 on the security card 416 provided by the bank must be input, so that the transfer is made in an encrypted state.

5 is a block diagram of a PC banking system according to an embodiment of the present invention. 5 illustrates a bank 216 via a check server 102 via a relay server 516 of a VAN company 210 to implement a conventional checker function (credit card lookup and / or debit card lookup). The card inquiry processing unit 502 connected to the computer server 304 of the checker 102 and the checker 102 through the public network 208 without passing through the relay server 516 of the VAN company 210 to implement the PC banking function. It is composed of a PC banking processing unit 500 directly connected to the computer server 304 of the bank (216).

As shown in Fig. 5, in the card inquiry processing unit 502 for the credit card inquiry and the debit card inquiry, the seller A 518 is the buyer B 202 in order to receive a price from the buyer B 202 as in the related art. The card 100 of the checker device 102 in contact with the reading unit 104 of the checker device 102, and the driven checker device 102 requests an inquiry from the VAN company 210 via the public network 208, and the VAN company relays The request is sent to the card company 212 and the bank 216 through the server, and the result is sent back to the checker. Also, if the transaction is approved, the checker sends the transaction to the card company or bank.

For convenience of explanation, here we assume that the credit card transaction is used by the merchant to receive payment using a credit card payout service (DDC; Data & Draft Capture), and all credit card transactions are made through the bank's computer server 304. It is assumed that the transaction account 220 is deposited.

In FIG. 5, the PC banking processing unit 500 changes the driving routine of the checker device 102 so that the card checker device can be driven through the input of the keyboard 504, and is connected to the computer server 304 of the bank to access the PC banking. Equipped with PC communication and PC banking software that can be used in real time, converts the checker device into a PC banking device, and then accesses the bank server 304 using the converted PC banking checker device to access real-time banking inquiry (506) or real-time banking. By performing a variant 508. Here, the real-time banking transfer to the third party 512 of the checker owner 518 is not a simple banking transfer but is a payment due to commerce. Therefore, the checker device in this case is converted to an electronic payment device, not a simple PC banking device.

By assigning the PC banking function on the checker device, checker owner A 518 deposits his or her account 220 at any time, only by operating the keyboard 504 on his checker device 102, without leaving the business place. Various banking inquiries 506 can be performed, such as balance inquiries, credit card inquiries, and deposit and withdrawal details of accounts, and even when purchasing materials from seller C (512), checkers at any time without leaving the place. By operating the banking transfer 508 to the third party by using the keyboard of the through the process of simply handing over the money of his account 220 to the seller C's account (510) through the process of closing the balance in accordance with the transaction in real time Can be. In the process of banking transfer, whether bank transfer or other transfer is required to pass through the security code 418 on the security card 416 provided by the bank at the time of joining the PC banking membership to ensure the security.

The most important function of PC banking on check machine is banking transfer. Among other things, banking transfers to third parties are more powerful than IC-type electronic money, which is commonly referred to as third currency by performing cash functions electronically. Checker PC banking combines the real market axis with the credit of banks and has a very important economic meaning in terms of promoting material circulation. In other words, the owner of the check machine has a device that can make electronic payments at the sales place, thus opening the way for commerce regardless of time and place. That means that the creators of value (check-holders) can concentrate on the specialization of division of labor without worrying about payment problems. It is easy to see that the growth of social value creation will be enormous in the process.

There are many by-products of the PC checker system. As the checker device transforms into a PC banking device, the owner 518 checks the owner A 518 to print out the result of the PC banking through the checker device 514 to register the device which cannot be found in normal PC banking. Proof of unique transactions can be secured. In addition, since the PC banking operation is through the public network 208 without using the VAN relay server 516, there is no separate payment, and since only the user knows the code input 418, it is safe. In addition, if Buyer B is a PC banking member, the checker can be paid by banking transfer instead of a card, or a checker device can be lent to customers who come to the place of business.

6 is a block diagram of a PC banking system according to another embodiment of the present invention. In the embodiment shown in Figure 6 is a bank 216 via the checker 102 via the relay server 516 of the VAN company 210 to implement the conventional checker function (credit card lookup and / or debit card lookup) The card inquiry processing unit 502 connected to the computer server 304 of the checker 102 and the computer server of the bank 216 via the relay server 516 of the VAN company 210 to implement the PC banking function. And a PC banking processing unit 600 connected to 304. That is, unlike the embodiment shown in Figure 5, the PC banking processing unit 600 also through the relay server 516 of the VAN company 210, the same as the card inquiry processing unit 502 (computation server of the bank 216) 304).

In the PC banking processing unit 600 shown in FIG. 6, the VAN relay server 516 actively participates in the PC banking process on the checker device. Under such a configuration, the configuration of the PC banking software to be mounted on the checker device can be minimized, and the time-saving and convenience of checker owner A 518 can be greatly improved because it is directly connected to the VAN network. In addition, when VAN provides additional services such as shopping malls, the checker device can be transformed into another, further enhancing the electronic payment function of the checker device.

In FIG. 6, only the checker owner A 518 drives the checker device 102 with the keyboard 504. However, when the VAN company 210 relays the bank's PC banking system, the checker owner A 518 moves to the PC by the keyboard. You can use the function keys instead of the numeric keys for the switching mode. In addition, since the VAN company 210 directly participates in the PC banking connection process of the checker owner A 518, the process of connecting the checker device 102 to the relay server 516 through the public network 208 is unified, PC banking of the checker owner A (518) is a high-speed transfer of data between the VAN relay server 516 and the bank computer server 304. Therefore, in this method, various encryption techniques, which were difficult to implement in the conventional public network type PC banking (FIG. 4), may be used as a protective layer when transmitting data between the checker owner, the VAN network, and the VAN network and the bank server. In particular, when printing the result of PC banking (514) in the embodiment shown in Figure 5 may have some problems in securing the proof of the transaction, in the embodiment shown in Figure 6 because the VAN company directly involved in the transaction It doesn't matter at all.

7 is a block diagram of a PC banking system according to another embodiment of the present invention. The embodiment shown in FIG. 7 shows a case where the card checker device 102 and the VAN relay server 516 are connected by a dedicated line.

In the embodiment shown in FIG. 7, the card inquiry processing unit 502 for credit card inquiry and debit card inquiry and the PC banking processing unit 700 for PC banking coexist as in the case of the embodiment shown in FIGS. 5 and 6. Therefore, the introduction of PC banking on the card checker does not interfere with the function of the card checker for the existing credit card inquiry and debit card inquiry. However, in the embodiment shown in FIG. 7, the PC banking relay role of VAN is changed to a position that is actively leading far beyond the level of involvement in the embodiment shown in FIG. In the embodiment shown in Fig. 7, checker owner A 518 performs PC banking using VAN's relay server 516 as in the embodiment shown in Figs. 5 and 6, but in terms of speed and safety, Figs. Superior to 6 In addition, in the embodiment of Fig. 7, the relationship between the VAN company and the checker device owner is also different from that in the embodiment of Fig. 6. That is, in the embodiment of Fig. 6, PC banking and electronic payment are required by the owner, but in the embodiment of Fig. 7, PC banking and electronic payment are required by the need of VAN. Therefore, the embodiment of FIG. 7 may be referred to as a PC banking and electronic payment system centered on VAN company 210 rather than checker owner A 518.

In the embodiment of Fig. 7, the PC banking processing unit 700 starts with the keyboard 504 instead of the card 100, and the PC banking with the bank 216 is carried out with the magnetic account 220 according to the intention of the checker owner A 518. ) Must be inquired (506) or transferred (508). In this case, the VAN relay server 516 only assists in accessing the bank's computer server 304, and the account transfer is performed by the checker owner A 518 directly as in the embodiment of FIG. 5 or FIG. It is possible to transfer from the magnetic account 220 to the other account 510 only through the code input 418 on 416. In other words, the electronic payment method through PC banking is far ahead in terms of security and speed compared to conventional electronic money payment methods.

FIG. 8 is a configuration diagram of a card controller device according to the present invention, which enables implementation of the embodiment shown in FIGS. 5, 6 and 7. As shown in FIG. 8, the card checker device 103 according to the present invention is a card reader 104, an I / O driver 106, a CPU 108, a ROM 120, and a RAM 122 in hardware. ), A screen display unit 124, a key input unit 126, a communication unit 132, and a print output unit 138, which are the same as the conventional card checker device 102 shown in FIG. The card reading unit 104 is used only in connection with the card inquiry processing unit 502 and is not used in connection with the PC banking processing units 500, 600, and 700. The PC banking processing units 500, 600, and 700 are not driven by the hardware by inserting the card into the reader, but by the hardware keys 130 of the keyboard.

On the other hand, in software, as shown in FIG. 8, the card checker device 103 according to the present invention is not only the conventional card inquiry processing programs 112 and 116, but also the PC communication program 802 and the PC banking program 818. The PC banking result print program 820 is additionally mounted on the memory chip 110. Here, the PC communication program 802 converts the card checker device 103 into a PC through the key input 130 and connects to the banking PC banking system using the modem 134 or the dedicated line 136 of the communication unit 132. It helps to make it possible. As shown in FIG. 8, the PC banking program 818 includes a PC banking balance inquiry processing routine 804, a PC banking deposit and withdrawal inquiry processing routine 806, a PC banking bank transfer processing routine 808, and a PC banking transaction transfer processing. Routine 810 is included. The PC banking program 818 enables the balance inquiry, deposit and withdrawal, cash transfer, and other transfers using the PC communication program 802 under a horizontal display 16 characters and 4 lines. Also included as a software component is a PC banking result print program 820 that outputs the results of the PC banking to the print output unit 104 of the checker device 103 so that the output content can be documented.

The software characteristic of the card checker device 103 according to the present invention serves to reconfigure the system so that the checker device can be used as the PC communication device 816 by reviving the PC personality and capability of the checker device which has been buried so far. . When the software is reconfigured by this method, the card checker can be converted into various forms according to the configuration of the software. In addition, depending on the nature and characteristics of the software installed, the checker device can be transformed into a device with other capabilities beyond PC banking and electronic payment devices.

Although the hardware capabilities of current card checkers outweigh Apple's past, it's hard to digest the amount of data that comes with the development of computer communications. For this reason, it is desirable that the memory chip on the checker device be equipped with only the minimum necessary for PC communication and use the other communication server for the rest. Therefore, the card checker device 103 shown in Fig. 8 is constructed in such a manner that only the minimum necessary for PC communication is distributed in the ROM and the RAM. In addition, when the card checker device is connected to the computer server 304 of the bank, via the relay server 516 of the VAN as shown in Figs. 6 and 7 is directly connected through the public network as shown in Fig. It is preferable than that. This is because the necessary software can be easily downloaded from VAN's relay server. In addition, in consideration of the congestion, it is preferable that the card checker device is connected to the relay server 516 of the VAN company via the public network as shown in FIG.

9 is a process flow diagram of a PC banking system according to the present invention. In order to perform PC banking on the card checker device, the operation routine of the checker device must be set to the communication mode (900). This is done via keyboard input, the details of which are described below. When the communication mode is set, a desired access communication network is selected from the public network, the VAN network, or the bank network (902), accesses the corresponding communication network (906), and performs a login procedure (908). At this time, if the access network is a bank network, the communication network access procedure 906 and the login procedure 908 are omitted. After the login procedure of the communication network is completed, the access bank for PC banking is selected (910), the access bank (912), and the bank login procedure for PC banking is performed (914). After logging in, the PC banking processing routine 818 varies according to the desired PC banking. The detailed processing routine 916 determines whether the service selection 918 is a query 924, a transfer 930, or a password change. (936) or not. In the case of the inquiry, the contents of the screen input 920 and the screen output 922 are different depending on whether the balance balance inquiry 926 or the deposit and withdrawal history inquiry 928 is used. In the case of a transfer, the contents of the screen input 920 and the screen output 922 are different depending on whether the transfer 932 or the other transfer 934 is used. Even if the selected service is a password change, the contents of the screen input 920 and the screen output 922 are different depending on whether the communication password is changed (938) or the transfer password is changed (940).

According to the selection of each service 918, the screen input 920 and the screen output 922 and then print the output 942 if you want to keep the content as evidence, otherwise the bank connection is terminated as it is (944) Next, the network connection is terminated (948) and the communication mode is released (950). In this case, too, if it is directly connected to the bank network, the terminal immediately enters the communication mode release 950 after the end of the bank connection 944. The checker device in the communication mode released has the same function as the conventional checker device.

10 is a flowchart showing a deposit balance inquiry processing routine 1000 of the PC banking processing routine shown in FIG. When the desired PC banking service is selected as the deposit balance check (926), the inquiry contents input 1002 and the inquiry result output 1006 are performed. The inquiry input content 1004 is an account number and a full password. According to the output 1008, the account number, the current balance, the account holder, the last transaction date, and the inquiry date and time are output, but the output content can be adjusted in consideration of the screen conditions on the checker device.

11 is a flowchart showing a deposit and withdrawal inquiry processing routine 1100 of the PC banking processing routine shown in FIG. In the case where the desired PC banking service is selected as the deposit and withdrawal history check 928, the process of the inquiry content input 1102 and the inquiry result output 1106 is the same as that of the deposit balance inquiry processing routine shown in FIG. However, the input 1102 is different, and the search start date and the search end date are added. Also, unlike the case of the deposit balance inquiry processing routine shown in FIG. 10, the output 1108 is additionally output with the daily deposit and payment.

FIG. 12 is a flowchart illustrating an autonomous transfer processing routine 1200 of the PC banking processing routine shown in FIG. 9. The PC banking processing routine in the case of selecting the desired PC banking service as a subordinate transfer (932) additionally goes through the process of inputting the code number on the security card 416 provided by the bank (418). Complex. After the code is input, the transfer process is performed after inputting the transfer contents (1206) and checking the input contents again through the output (1210), and the processing result is output on the screen (1214). In the case of a wire transfer, the contents to be entered (1208) are relatively difficult: five withdrawal account number, general account password, deposit account number, transfer amount, client's summary, and transfer password. In addition to the input contents, withdrawal amount, remittance fee, and name to receive are automatically added to the contents outputted during the input verification process (1212). The content 1216 output as a result of the transfer process is added with the processing date, withdrawal account owner name, deposit account owner name, and tracking number in addition to the content 1212 associated with the input confirmation.

FIG. 13 is a flow chart showing another transaction processing routine 1300 of the PC banking processing routine shown in FIG. Even if the desired PC banking service is selected as an alternative transfer (934), only the security code on the security card 416 can be entered (418) to input the transfer contents (1304), and the input contents are confirmed through the screen output (1308). The transfer process is performed only after the process is performed, and the result of the processing is output to the screen 1312 as in the case of the auto transfer shown in FIG. 12. However, in the case of other transfers, because the bank is different, the deposit bank code is added to the input (1306) and the deposit bank name is additionally output from the input confirmation output (1310). A number and client contact have been added to address the situation.

14 is a flowchart showing a communication password change processing routine 1400 of the PC banking processing routine shown in FIG. In the case of selecting the communication password change 938 as the desired PC banking service, it simply consists of inputting the change 1402 and outputting the change result 1404. The input contents 1404 are three types of the password before the change, the password after the change, and the input once again, and the output 1406 is only a message indicating the presence or absence of the change.

FIG. 15 is a flowchart showing a transfer password change processing routine 1500 of the PC banking processing routine shown in FIG. When the transfer password change 940 is selected as the desired PC banking service, the change contents input 1502 and the change result output 1504 are processed similarly to the communication password change processing routine shown in FIG. The input contents 1504 and output contents 1506 are also the same as those of the communication password change processing routine shown in FIG.

Fig. 16 is a configuration diagram of an operation key of the card checker device according to the present invention. In the conventional keyboard key 1600 on the checker device, there is no key for converting the checker device into a PC to communicate. In addition, there are only numeric keys and function keys on the keyboard, and it was only possible to input Korean and English by manipulating the numeric keys. Therefore, in the embodiments of the present invention, the configuration of an existing keyboard key is changed or reconfigured through some combination. In this case, it is preferable to combine the function keys and the characters on the numeric keys because the numeric keys may be a problem in entering the numbers required for PC banking.

In order to implement the embodiments of the present invention, it is necessary to set a number of keys that are not supported by the existing checker device. As shown in Figure 16, the operation key of the card checker device according to the present invention, in addition to the conventional checker keyboard key 1600, PC communication mode setting release key 1602, PC banking data transmission key 1604, checker screen shift key 1606, bank code key 1608, and checker printout key 1610. Here, the PC communication mode setting release key 1602 is for enabling PC communication by switching the checker device to the PC communication mode, and includes a key for setting the communication mode and a key for releasing the communication mode. PC banking data transmission key (1604) is to enable the exchange of data with the bank's PC banking system after bank access, re-entry key (I), upper menu key (M), initial menu key (T), end The key X, the transfer approval key Y, and the transfer rejection key N are provided. The checker screen scroll key (1606) is to overcome the limitations of the screen display with 16 characters and 4 lines. The first screen key (Q), the last screen key (Z), the back screen key (J), and the front screen key ( K), one line up key (*), and one line down key (#). The bank code key 1608 is for moving to the bank code viewing screen required for the transfer of another party, and is provided with a viewing key (D) and an in-situ key (E). Since the output of the PC banking printout is different from the printing output from the existing checker device, there should be a separate printout key 1610 for PC banking. A print key P is provided as a print output key 1610 for PC banking.

17 is a configuration diagram of a PC banking access screen introduced to a card checker device according to the present invention. Since the screen display on the checker device is only 16 digits wide and 4 lines long, implementing the banking using the checker device requires a checker-specific screen configuration different from the existing PC banking screen configuration. In this PC banking connection screen, the selection of detailed items is possible only by pressing a predetermined number key, thereby limiting the screen input / output so as not to occur.

First, when the PC communication mode setting key as shown in FIG. 16 is pressed, the communication mode state is displayed and the communication network selection screen 1702 as shown in FIG. 17 is displayed on the screen display unit 124. At this time, the checker owner selects one communication network from the public network 208, the VAN network 210, and the bank network 216 by pressing the numeric keys " 1 ", " 2 ", and " 3 ".

When the public network is selected by pressing the numeric key " 1 " on the communication network selection screen 1702, the access network selection screen 1704 is displayed on the screen display section 124. [0135] FIG. At this time, if the checker owner selects one of the access networks again by pressing a numeric key, the access network login screen 1706 is displayed. When the user ID and password are input on the access network login screen 1706, the access bank selection screen 1708 is displayed. When the bank is selected through the numeric keys, the bank login screen 1712 is displayed. When selecting a bank, it is necessary to move the screen because a large number of bank codes cannot be displayed on the limited size display unit 124. Therefore, the access bank selection screen 1708 preferably displays the checker screen moving key 1710 on a portion of the screen. On the bank login screen 1712, when the checker owner enters the user number and communication password to log in to the bank's computer server, the checker owner displays the PC banking by displaying the service selection screen 1714 on the screen display unit 124 of the checker device. Do it. Here, the PC banking service selection screen 1714 also selects one of inquiry, transfer, and password change by pressing a numeric key so that each corresponding screen 1716, 1718, and 1720 is displayed, and another screen movement is required. The screen shift key 1711 can be easily moved by selecting any one of the letters "Q", "Z", "K", and "J".

When the VAN network is selected by pressing the numeric key " 2 " on the communication network selection screen 1702, the VAN network login screen 1722 is displayed. When the user ID and password are entered, the access bank selection screen 1724 goes through the login procedure. It is displayed on the screen display part 124 of this checker apparatus. The subsequent screen configuration is the same as that of the public network. In the embodiment of the present invention, the screen is configured to log in to the VAN network (1722) and then log in to the bank (1712), which is preferable when the VAN company provides an additional service.

When the bank network is selected by pressing the numeric key " 3 " on the communication network selection screen 1702, a screen 1726 for selecting an access bank is displayed. When selecting a bank to be accessed by pressing a numeric key on the access bank selection screen 1726, a login screen 1712 of the corresponding bank is displayed, and the subsequent screen configuration is the same as that of the public network.

18 is a configuration diagram of a PC banking input / output screen introduced into the card checker device according to the present invention. As shown in FIG. 18, the PC banking input / output screen according to the present invention includes data input keys, screen operation keys, and print output keys necessary for PC banking with a banking system on a check machine together with the input contents and output contents on each screen. The menu navigation keys are at the end of each screen. This is to solve the inconvenience caused by the input and output on the small screen.

As shown in FIG. 18, when the deposit balance inquiry is selected by pressing the numeric key " 1 " in the inquiry code selection screen 1716 in FIG. 17, an input screen 1800 for requesting the input of the account number and the passcode is provided. And accordingly, an output screen 1802 indicating the account number, current balance, account holder, last transaction date, inquiry date and time is displayed on the screen display unit 124.

In addition, when selecting the deposit and withdrawal history inquiry by pressing the numeric key "2" in the inquiry code selection screen (1716), an input screen (1804) requesting the input of the account number, equipment password, inquiry start date, inquiry end date and the account number accordingly On the screen display unit 124, an output screen 1804 indicating the current balance, account holder, payment and payment by date, and inquiry date and time is displayed.

In addition, when the autonomous transfer is selected by pressing the number key " 1 " in the transfer code selection screen 1718 shown in FIG. Code number input screen (1808), withdrawal account number, full equipment password, deposit account number, transfer amount, client's summary, transfer screen requesting entry of transfer password, withdrawal account number, deposit account number, withdrawal amount, An output screen 1812 indicating the transfer amount, the remittance fee, the client's summary, the name of the person to be received, and whether the transfer is approved is displayed on the screen display unit 124. In this case, as shown in FIG. 16, when the English letter “P” is printed, the processing date and time, withdrawal account number, withdrawal account deposit note, deposit account number, withdrawal account deposit note, client summary, withdrawal amount, remittance amount, remittance fee, Agricultural processing number is printed out through the print output unit (138).

In addition, when another transfer is selected by pressing the numeric key " 2 " on the transfer code selection screen 1718, a code number input screen 1808 for requesting the input of a code number on the security card as in the case of a transfer transfer and withdrawal is made; Input screen (1816) requesting the input of account number, passcode, deposit bank code, deposit account number, transfer amount, client's summary, transfer password, withdrawal account number, deposit bank, deposit account number, transfer amount, remittance fee On the screen display unit 124, an output screen 1820 indicating the client's brief, the name of the person to be received, and whether the transfer is approved or not is sequentially displayed. At this time, when the English letter "D", which is a bank code key, is pressed on the input screen 1816, a bank code view screen 1818 is displayed on the screen display unit 124. In the case of other transfers, as in the case of subsidies, pressing the letter “P”, which is a printout key, causes the processing date, withdrawal account number, withdrawal account deposit, bank name, deposit account number, withdrawal account deposit, withdrawal amount, remittance fee, and remittance fee. , Nonghyup processing number, other line professional number, the client contact is printed out through the print output unit (138).

In addition, when the communication password change or transfer password change is selected by pressing the numeric key "1" or "2" on the password change code selection screen 1720, an input screen for requesting input of the password before the change, the password after the change, and the input again. An output screen 1826 indicating that the password 1824 and the password have been changed is displayed on the screen display unit 124.

By banking the PC using the card checker device according to the present invention, the owners of the checker device can query the account balance and deposit and withdrawal details at any time without leaving the business place, and through a banking transfer to a third party in real time The effect is that you can make electronic payments. In addition, it is possible to improve the reliability of electronic commerce and financial transactions by outputting a print proof of transaction using a card checker device which is a registration terminal.

Claims (17)

In the card checker for PC banking, ① processor, A card reading unit generating a card reading signal according to card reading and transmitting the card reading signal to the processor; A key input unit which generates a key input signal according to a key input and transmits it to the processor; A screen display unit for displaying an input screen for displaying an item requiring input through the key input unit or an output screen for displaying a processing result of the processor according to the processing of the processor; A communication unit for connecting the card checker to an external communication network under control of the processor; ⑥ is connected to the processor, and includes a memory for storing the card inquiry processing program, PC communication program, PC banking program, The processor is When a card reading signal is input through the card reader, the card inquiry processing program is called to perform card inquiry processing. And a predetermined bank input signal is input through the key input unit to call the PC communication program and the PC banking program to perform a PC banking process. The method of claim 1, The key input signal includes a checker keyboard key input signal, a PC communication mode setting key input signal, a PC banking data transmission key input signal, and a checker screen moving key input signal. The method of claim 2, And the key input signal further comprises a bank code key input signal having a bank code viewing key input signal and an in-situ key input signal. The method of claim 2, The checker screen shift key input signal indicates a rear screen key input signal instructing the screen display unit to display a screen one screen backward from the current screen, and instructs the screen display unit to display a screen one screen forward from the current screen. PC banking card checker comprising a front screen key input signal. The method of claim 2, The checker screen shift key input signal includes a single line down screen key input signal for instructing the screen display unit to display one line down screen from the current screen among the screens related to the processing of the processor, and the screen display unit processes the processor. PC banking card checker, characterized in that it further comprises a one-line up screen key input signal for instructing to display the one-line up screen from the screen. The method according to claim 4 or 5, The checker screen shift key input signal includes a first screen key input signal for instructing the screen display unit to display a first screen among the screens related to the processing of the processor, and the screen display unit displays a last screen among the screens related to the processing of the processor. And a terminal screen key input signal for instructing display. The method of claim 1, The apparatus further includes a print output unit, wherein the memory further stores a PC banking result print program, and the key input signal further includes a checker print output key input signal. And the processor calls the PC banking result print program from the memory to drive the print output unit when the checker print output key input signal is input, thereby printing the transaction details. The method of claim 1, The PC banking program checks the balance check processing routine, deposit and withdrawal inquiry processing routine, microtransfer processing routine, and other bank transfer processing routine, characterized in that the card banking check. The method of claim 8, The PC banking program checker for a PC banking card further comprises a password change processing routine. The method of claim 1, And the communication unit connects the card checker to a computer server of a bank through a public network. The method of claim 1, And the communication unit connects the card checker to a relay server of a VAN company through a public network. The method of claim 1, And the communication unit connects the card checker to a relay server of a VAN company through a dedicated line. In the method of mediating electronic payment using the card checker according to claim 1, Receiving a transfer contents including a withdrawal account number designating a withdrawal account, a currency code number, a deposit account number specifying a withdrawal account from the card checker, and an amount to be transferred from the withdrawal account to the withdrawal account; Outputting the transfer contents to a computer server of a bank; Receiving a transfer result from the computer server of the bank; Outputting the transfer result to the card checker Mediation method of electronic payment, comprising the. The method of claim 13, Electronic payment intermediary method comprising the step of further receiving the deposit bank code as the transfer contents. The method of claim 13, The electronic payment further comprises the step of confirming whether the transfer contents are properly input by receiving the transfer contents inputted to the computer server of the bank again from the computer server of the bank and outputting them to the card checker. Relay method. In the method of making an electronic payment using the card checker according to claim 1, the withdrawal account number for designating a withdrawal account, the passivation number, the deposit account number for designating a deposit account, and the withdrawal account through the key input unit of the card checker. Inputting a transfer contents including an amount to be transferred from the deposit account to the deposit account; Outputting the transfer contents to a computer server of a bank; Receiving a transfer result from the computer server of the bank; Outputting the transfer result Electronic payment method comprising a. The method of claim 16, Electronic payment method comprising the step of further receiving the deposit bank code as the transfer contents.