KR20020016745A - Card reader auto banking system - Google Patents

Abstract

PURPOSE: A card reader auto banking system is provided to give more convenience to users in account transfer and to conduct user authentication more firmly by using each user's actual card and personal card reader. CONSTITUTION: If a user, registered in an intermediary site, inputs a password and ID(s101), the site outputs a screen to select either inquiry service or account transfer service(s102). If the user selects either inquiry service or account transfer service, the selected service screen is outputted and a card reader starts to work(s103,s104). If the selected service screen is outputted, the user inputs basic information related to withdrawal, deposit or inquiry(s105). The intermediary site executes the first user authentication(s106). If the first user authentication is completed, the user inputs card information through the card reader(s107). The information through the card reader is outputted by the card reader's internal encryption operation, and it is transmitted to the server of the intermediary site(s108). The server compares a card reader number among the transmitted information with a card reader number stored in a DB(s109).

Description

Card Reader Auto Banking System {Card Reader Auto Banking System}

The operating system of the present invention performs user authentication with a registration word (Pass word DB) used to access a user card reader unique number and account password without storing a card number and a password in a component of a DB for user authentication and user authentication. When this is confirmed, the server provides the company-specific authentication information necessary for the transfer of funds from the autobanking system, and other automated processing systems are applied.

Let's explain it along the flow of each attached drawing.

1-a.

<s101>: In this section, a user registered at an intermediary site enters a Password and ID.

<s102>: A screen for selecting the inquiry and account transfer service provided by the intermediary site is displayed. In this case, the user's password and ID are displayed on the screen in a secure form.

<s103 to s104>: The card reader starts running with the service screen output selected in <s102>.

<s105>: When the selected screen is displayed, the user inputs basic information related to withdrawal, deposit or inquiry.

When selecting the inquiry service, enter only the password and transfer the account (withdraw money In case of selecting the deposit) service, input only the withdrawal amount and password in the withdrawal information record field, and enter the account number and the account holder (recipient) without deposit amount.

<s106>: Confirms the withdrawal password from the storage DB, completes the first user authentication, and proceeds to the path <s107> upon user confirmation, and is processed as <s201> when a user error is determined.

<s107>: Enter card information through a card reader (card number)

<s108>: Information through the card reader is output by the encryption operation inside the card reader

<s109>: The card reader number given for each user among the transmitted information is compared to the information transmitted from the cart reader by reading the card reader number stored in the DB on the server and then.

<s110>: Proceed to the path.

<s202>: At this time, if it is confirmed that the use of another machine (card reader), the user's confirmation is performed for every item of the account transfer information stored in the DB, and if all the items of the user information are correct, the path is progressed to the path of <s110>. If you do not record the information, the alarm message will be displayed on the screen and terminated.

<s110>: After checking the user, the server decrypts the card information transmitted from the card reader and the account transfer information stored in the DB, and transfers the account to the corresponding processing company (bank, securities, card company, etc.). Deposit) and apply for inquiry service.

<s111>-<s112>: It is the business path of the company and the result value notified to the <s113> server is displayed on the screen.

<s114>: End.

1-b] Operation Route of Auto Banking for Commerce Payment

<s201>: During the commerce (e-commerce and general commerce) process between a registered user and a company

<s202>: When the user selects a cash card payment (including various financial cards of a credit card that can operate the server).

<s203>: A commerce company makes an access to the mediation server of the present invention.

<s204>: When the price of goods purchased in commerce is sent to the server along with the user information, the server checks the user registration information.

<s205>: When confirmed with the registered information, it operates an intermediary server account transfer (Auto Banking system).

<s206>: Records the transferred user purchase price as the withdrawer and withdrawal amount in the withdrawal slip and converts it into the deposit account and withdrawal amount.

<s207>: After inputting the user (banker) and commerce company (deposit) information in the withdrawal account record and deposit account record column and sends a message to the user to enter a password on the screen of the commerce company.

<s208>: If the user's password is confirmed as registered information, the same process is performed from the account transfer operation path of FIG. 1-a <s105>.

<s209>: The process below the <s105> path of FIG. 1-a is performed in the commerce screen.

<s210>: The server outputs a message indicating that the result value notified from FIG. 1-a <s113> is displayed on the screen of the commerce company (payment through the account transfer is completed) and ends.

[Figure 1-c] Operation route for the bank transfer (Auto Banking) for electronic money issuance and charging

<s310>: A user registered through <s100> connects to a company that issues and charges electronic money.

<s320>: When choosing to purchase or charge electronic money using a user account card

<s330>: When a user logs in to purchase or recharge electronic money

<s340>: Withdrawal from user card Apply for a deposit account transfer service and complete the process.

<s350>: The company issues or charges electronic money

<s360>: The user can purchase in electronic money (where the use of electronic money is specified).

<s370>: When the balance of electronic money remains after the user completes shopping

<s380>: Electronic money issuer may be requested to be repurchased in cash and will be terminated if there is no balance or no cash exchange is required.

<s390>: Company's account (withdrawal) upon request for cash exchange (purchase) of electronic money balance The account transfer service in the form of user account (deposit) is processed as much as the balance.

<s400>: When the electronic money balance has been deposited to the user in cash

<s410>: Electronic money sales or charging and exchange process

<s420>: Ends in the user progress.

<s430>: When the user's transaction is closed, the product is recognized as having been sold, and the commerce company can make a request for payment through the wire transfer service to the electronic money issuer as much as the sale amount.

(The payment request date is not recorded in this matter.)

<s440>: When there is a request for payment of the sales amount through electronic money from a commerce company, the electronic money issuer uses a bank transfer service.

<s450>: Complete the payment

<s460>: Exit.

The operating concept of this matter does not require the complicated process of user authentication every time a user purchases goods through commerce, and the commerce company sells more conveniently than the sales method through the multi-step verification process of PG company, Van company and card company. In addition, it is possible to settle the sales amount through the account transfer method between the commerce company and the electronic money issuer.

PC banking, internet banking, and phone banking, which are supported by existing banks, can be used for depositing and depositing money with only a number without the user having a physical cash card. Therefore, the security procedure is difficult to configure. Each use requires a complex user authentication process.

Therefore, the present invention can transfer the account (card) information through the card reader only in the state of holding the physical card of the person, and the card reader that can perform the same function as the cash card dispenser installed by the bank number for each individual By granting and using the card, you cannot make payments except for yourself except when you lose your physical card, your card reader, your password, your password, your ID, etc. at the same time. (Circumstances considered intentional)

The user can conveniently and quickly enter and input information with the card reader, and deliver the card reader's personal number without any inconvenience to the user, and only use the password to make it safer and more convenient than the security of the existing account transfer method. In this case, the present invention can be used smoothly, such as a cash card, securities account card, etc. as a means of payment in commerce.

The technical field to which the present invention belongs is a security solution that supports user authentication, and can be expressed as an authentication processing system invented in accordance with a realistic situation that security can be made smoothly by a simple and secure authentication process. Supported individual information input methods and bank transfer slips belong to the application software. Transactions can also be processed quickly, making it an electronic payment solution for commerce.

When expressing the technical field, the operation method using the communication network such as phone banking (telebanking) service, PC banking service, internet banking service, transfer of credit card's cash service, etc. By requiring difficult and difficult user information input, ordinary users who are not criminal intentions should always bear the inconvenience of using. In addition, the use of the ATM set up by the bank must be visited by the user in person, and if the lost card acquirer is able to know the password, it can be stolen. CC camera surveillance is used as post-theft data. Accordingly, the individual card reader number assigned by the present invention serves as a CC camera that prevents theft transaction in advance after user registration.

In addition, since various financial cards except credit cards are used as a means of commerce payment without universality, there is no server operator that brokers cash cards (including various cards) as payment methods. It can't be written outside. In this regard, it is possible to further develop the Auto Banking operating system using computer communication networks and wired / wireless communication networks by integrating and brokering various credit cards (cash assets can be deposited and withdrawn) including credit cards. We will concentrate development.

It is a support method of an intermediary server that deletes unnecessary authentication process in consideration of authentication in the transaction process rather than a security method as a method of complicated and many steps of user authentication, which can enhance user convenience and stability. Development of deposit account transfer solution and credit card will be developed as application and operating system for commerce payment.

.

<Figure 1-a> Operating System and User Authentication Process of Server Supported for Account Transfer

1-b> Commerce Payment Path and Processing Method Using Autobanking System

<Figure 1-c> Path of Issuing and Using Electronic Money in Auto Banking System Operating System

Looking at the configuration of the present invention is an operating system that simply processes the withdrawal, deposit account transfer and inquiry from the user's point of view. It consists of PC, card reader, intermediary server (registration fund keeping DB, authentication processing program, payment window support program), service intermediary processing unit, and connection processing unit with commerce companies. same.

[Action of invention]

(1) The card reader enters the user's information instead, and transmits the unique number of the machine assigned to the individual to the server along with the card value.

(2) The bank transfer program supports the electronic slips and deposits in the following form.

ex) ① Card (account) My Account (Our)

(3) Classification by type of account transfer service

(4) Relationship between Supportable Account Transfer

①You Others-1 Account Another account (1: 1)

Multiple accounts Another Account (多: 1)

1 account Other Accounts (1: 多)

②I I-Same as ①.

(5) It may occur when commercial payment data can be used in connection with Auto Banking. In the case of purchasing an item from a commerce company and performing a payment by an account transfer supported by the present invention, the payment means may be extended from a user account by immediately transferring the money to a commerce company account.

(6) Slip composition and account transfer action

By minimizing the field of personal information, the transaction time is reduced, and the possibility of account transfer of various financial card cards can be increased due to convenience and safety, so that many cards besides credit card can be used as a means of payment.

(7) In the sale and charging of electronic money, the user authentication of the present invention and the selling and charging of electronic money provided by an intermediary server can be supported. See Fig. 1-c.

1. It is more convenient than any existing method when executing user's account transfer.

2. By using a real card and a personal terminal (card reader), user authentication is more certain and the process of account transfer can be simplified.

3. The payment method such as credit card could not be acted on by the existing account transfer method, but the account transfer method of the present invention is effective as a means for payment because it is processed at the same speed as the credit card.

4. In the case of using various cards other than credit cards and credit cards in the commerce company in connection with the service program of the present invention, the commission expenses may be reduced compared to the credit card sales, thereby increasing the profitability, and the scope of the commerce settlement method may be expanded.

5. It is possible to reduce the work of the bank window so that the bank's business can be managed efficiently.

Claims (4)

Transfer service operation of the card issuer or the institution from the user during the account transfer service through a computer communication network and a wired / wireless communication network using a card issued by various financial institutions such as a cash card, debit card, securities card, or credit card (cash service). Until <using card reader number, account number entered by actual card, card password> business method of providing server supporting user authentication and brokerage Accounts issued by various financial institutions, such as cash cards, debit cards, securities cards, and credit cards (cash services), are supported on account transfer (transfer) using computer and wired / wireless communication networks. Authentication method for user authentication by checking information input method, personal terminal number and card password> and method of operating an intermediary server of <information input method> which inputs account transfer information on behalf of a user Operation method of a server supporting payment using the operation method as shown in <attached figure 1-b> as a payment method of transaction value (e-commerce and general commerce) through commerce Business method that takes the operation method as shown in <Appendix 1-c> as a function of issuing an electronic money function card that can be used in commerce (e-commerce and general commerce) and charging or selling the amount that can be used.