KR20020089824A - Apparatus and method of giro charge payment use mobile phone - Google Patents

Abstract

PURPOSE: A device and a method for paying a Giro using a wireless terminal are provided to enable a user to confirm the Giro by inputting a Giro number to a VAN(Value Added Network) company and to enable the user to pay the Giro charge by connecting to a financial organization having an account for paying the Giro charge. CONSTITUTION: The VAN company(34) receives a connection signal while transmitting a call signal through a wireless terminal, transmits an electronic signature program to the wireless terminal, and provides a VAN network for the EC(Electric Commerce). A financial payment center(36) checks the Giro number and certifies a transaction by connecting to the VAN company. A Giro issuance company(37) issues a Giro notice and provides the information of a subscriber by connecting to the VAN company. A financial organization server(39) carries out an account transfer process according to a subscriber's request by connecting to the VAN company. A payment management server(40) records and stores the information for a result of the Giro charge payment using the wireless terminal.

Description

Apparatus and method of giro charge payment use mobile phone}

The present invention relates to the payment of giro charges using a wireless terminal, and in particular, the financial institution responsible for the authentication of payment of bills charged by giro, the financial institution that the subscriber deals with, issuing Jiro bills The present invention relates to a giro payment apparatus and method using a wireless terminal that provides a value-added communication network connected to a company and connects to a VAN company that manages the payment of giro fees.

In general, a wireless terminal allows a subscriber to talk voice, text, and simple images wirelessly, and can also record and store simple information and play a game.

On the other hand, when looking at the service provided to the subscribers of the wireless terminal, the group call service is a service user registers a plurality of telephone numbers in advance as a group, and then by sending a call signal to a plurality of registered in the group at the same time in a single call and answer Simultaneous calls and text messages can be sent simultaneously in groups set as a service to send calls or text messages at the same time. In addition to the first phone number given to the user by giving two phone numbers to other services, there is a service that can be used to change the other phone number to use the wireless terminal according to the user's circumstances.

It is a wireless information service that allows you to send and receive data and faxes in the wireless area by simply connecting a portable PC as well as voice call with a wireless terminal, and the text information receiving service can provide various information such as breaking news and big events. have.

In addition, by using the flip part of the mobile phone to the card reader, there is a service that pays the fare after using buses and subways, and also provides cutting-edge customized services such as searching for buses and subways, searching for the shortest distance and time to the destination. It also provides subway and bus public transport information services. When a subscriber uses his wireless terminal and loses or does not carry it, the subscriber can remotely control the registration of additional services such as call prohibition, call forwarding, voicemail switching, etc. Service is also available.

Since a wireless terminal is always carried and used by an individual, a mobile communication provider provides various services to a user of a wireless terminal and provides a lot of services in a quantitative way, but a user wants a better service.

On the other hand, the bank Jiro system refers to a bank transfer system in which the branch network of each bank is grouped into one circle to take care of the payment of money for those who need to send and receive money. The Bank Jiro system covers the collection of electricity and water charges, from now-to-person remittances, to the payment of goods, various royalties, and dues, as well as to mass distribution services in which individuals, corporations, and governments simultaneously pay multiple people. It is expanding.

1 is a schematic diagram of a home banking process using a personal computer (PC) to perform banking operations. Even when a bank is not directly visited, a bank or a user may access a banking server at home or in an office to view a desired banking service. It is configured to be.

The configuration includes a PC 10, a public telephone network 11, an Internet Service Provider 12, servers 13-15, and the like. The subscriber connects to the switchboard 12 via the public telephone network 11 to access the Internet using a PC 10. Upon completion of the connection, the subscriber enters the desired site address and provides various contents. It connects to the servers 13-15 to perform internet.

The servers 13 to 15 also provide various information and advertisements to those who access the Internet, and have a plurality of servers 13 to 15 to provide a lot of contents to the visitor. On the other hand, the servers 13 to 15 can be used as a server for the bank to perform PC banking.

When a subscriber who has created an account at a bank wants to use a PC (10) to handle transactions such as bank transfer, deposit balance, deposit and withdrawal history, transfer of funds between accounts, and transfer to another party, the subscriber uses the PC (10). Access to the Internet or PC communication is performed through the public telephone network 11 and the exchange 12, and then to the bank server 13-15 in which the subscriber's account is created, and the subscriber has a bank server 13-15. In order to check the menu provided by logging in by entering ID and password, the bank transfers, deposit balance, deposit and withdrawal history inquiry, transfers of funds between accounts, and transfers to other banks.

In general, PC banking provided by banks uses authentication to encrypt each bank for secure transactions. However, in the case of PC banking, when the communication line is slow or there are many users, there is a problem that it takes longer than visiting a window.

In addition, Figure 2 shows a schematic diagram for performing a telebanking (Telebanking) to handle the banking using a wired telephone (20), the telebanking is not only check balances, transfers between banks, but other remittances, regular payments , Loan interest, utility bills, automatic debit application or termination can be handled by telephone 20 of the wire.

When a subscriber having an account at a bank or other financial institution uses a telephone 20 to connect to a server 13-15 that provides a bank's telebanking service through a public telephone network 21 via an exchange 22, the telephone is automatically connected. It is composed of a response system can be processed by the telephone 20, such as the application of account balances, other remittances, periodic payments, loan interest, utility bills, etc., or withdrawal, according to the guidance of the banking process to inform by voice.

As described above, when the subscriber uses the telephone 20 to connect to the servers 13 to 15 where the telebanking center of each bank is located, the subscriber automatically presses the telephone buttons in turn according to the banking processing instructions of the installed voice answering system. Computer handles When using telebanking, information such as account number, password, telebanking password and social security number is required.

On the other hand, telebanking provided by each bank also uses cryptographic authentication to prevent damage to subscribers due to eavesdropping, and can provide customer service at a low cost without having many branches through the implementation of telebanking, The user can save time and save money. In the future, all transactions other than giving and receiving cash will be possible.

As described above, the conventional banking process using PC banking or telebanking can handle a simple banking service without visiting the branch directly to the subscriber. You will be asked to pay your bills and other bills online.

The present invention is to solve the problems described above, the financial settlement agent online by using the subscriber's wireless terminal to pay the bill, such as electricity, telephone, water, credit card, etc., the subscriber who made an account at a branch such as a bank Connect to a VAN company that provides a value-added communication network, connects to a financial institution, a Jiro issuing company, and provides a value-added communication network. Its purpose is to provide a fee payment device and method by using a wireless terminal that can be paid by depositing a fee to access an institution.

1 is a schematic diagram of processing a banking service using a conventional PC.

Figure 2 is a schematic diagram of processing a banking using a conventional wired terminal.

Figure 3 is a schematic diagram of a branch bill payment device using a wireless terminal of the present invention.

Figure 4 is a flow chart of the urgent care payment method using a wireless terminal of the present invention.

Description of the main parts of the drawing

10: PC 11, 21: Public telephone network (PSTN)

12: Internet Service Provider (ISP) 13, 14, 15: Server

20: telephone 22, 33: switchboard

30: wireless terminal 31: base station

32: control station 34: VAN

35: subscriber server 36: KFTC

37: Giro issuing company 38: Giro payer server

39: bank server 40: payment management server

A feature of the present invention for achieving the object as described above, in paying the bill to the wireless terminal as known, receiving the access signal when transmitting the call signal to the wireless terminal and transmitting the digital signature program to the subscriber's wireless terminal VAN provides value-added communication networks for electronic transactions, KFTC that checks and authenticates transactions issued by the VAN company, and issues Jiro fare bills connected with VAN company to provide subscriber information. It includes an issuer company and a financial institution server that is connected to a VAN company to enable a business such as account transfer according to a subscriber's request.

In addition, another feature of the present invention, the VAN company further includes a payment management server for the subscriber to record and store the information on the payment result of the Giro fee using a wireless terminal, the Giro issuing company issued to the subscriber Jiro bills It further includes a payer server to record the information and the information paid by the subscriber.

In addition, another feature of the present invention, the step of calling the VAN company using a wireless terminal, the step of selecting a bill payment menu from the menu provided by the VAN company, enter the personal information of the subscriber and the details of the Jiro bill bill Confirming the payment, selecting a financial institution for payment by the subscriber, paying the payment by entering the account number and password at the financial institution, and VAN notifies the subscriber of the payment details and the wireless terminal. And storing the payment history of the subscriber in the payment management server.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

3 is a block diagram of a jiro fee payment device using a wireless terminal according to the present invention in detail as follows.

The configuration is the radio terminal 30, the base station 31, the control station 32, the switchboard 33, VAN company 34, subscriber server 35, financial settlement agency 36, payment management server 40, Jiro The issuer 37, the branch payer server 38, and the financial institution server 39 are provided.

In order to pay the notice fee issued by the subscriber to the wireless terminal 30, the call signal is transmitted to the switch 33 through the base station 31 and the control station 32 using the wireless terminal to the VAN company 34. When connected, the VAN company 34 transmits the electronic signature program to the wireless terminal 30 subscriber to the authorized company from the financial settlement agency 36, if installed in the subscriber's wireless terminal 30, provided by the VAN company 34 Display the menu.

If the subscriber selects the Jiro fee payment menu from various menus provided, the VAN company 34 inputs the subscriber's information such as ID and password for authentication, and the VAN company 34 inputs the subscriber's information. In order to confirm, the wireless terminal subscriber server 35 is accessed to check the personal information of the subscriber.

When the authentication is made by checking the information of the wireless terminal subscriber and the private key of the digital signature program installed in the wireless terminal at the VAN company 34, the subscriber uses the wireless terminal 30 to enter the Jiro number in the bill of payment of the Giro. In order to check the details of the Giro fee notice by inputting first, the VAN company 34 grabs the designated company number from the Financial Services Agency 36 and accesses the Giro issuing company 37 by issuing the Giro fee payment statement. 38), it is determined whether it matches with the authorized subscriber, and if it is not, it transmits the re-entry signal of the gyro number.

When the VAN company 34 confirms the fee details for the subscriber's Giro number at the Giro Payer server 38 of the Giro issuing company 37, the VAN company 34 determines whether the Giro fee is paid by the wireless terminal 30. Display it on the screen to select it.

On the other hand, when the subscriber selects the bill payment because it is notified using the wireless terminal 30, the VAN company 34 displays the financial institution that can pay the bill by using the wireless terminal 30 to the subscriber. Allows you to choose a financial institution.

If the subscriber designates a financial institution, the VAN company 34 connects to the financial institution server 39, and the subscriber inputs subscriber information such as an account number and a password according to a menu procedure transmitted from the financial institution server 39. If the payment is completed by entering the amount of the notice, the financial institution server 39 transmits the fee to the VAN company 34 where the subscriber paid, and the VAN company 34 transmits the fee to the wireless terminal 30 of the subscriber. The bill payment completion signal is transmitted to the local area, and the wireless terminal 30 of the subscriber stores the content of the fee paid to the corresponding location.

The VAN company 34 receives an electronic signature program from the Korea Financial Services Agency (36) or transmits an authentication program provided by the VAN company for safety and uses it for the safety of one receipt and electronic transaction. In the case of using the VAT company, the VAN company 34 is liable for the problem caused by the payment of the GRO fee.

In other words, the VAN company 34 is a company that provides a value-added communication network, and leases a line from a public telecommunication service provider, and refers to a communication service or a service that provides a network configuration, information accumulation, processing, and processing using a computer. .

In addition, the use of the VAN company 34 can reduce the load on the host computer by processing the connection protocol conversion between the computer connection and the terminal in the network, and the discovery of new business and data by the connection between different industries and companies. The use of value-added communication networks can be used to reduce operational costs, such as improving the efficiency of communications, reducing communications costs, and expanding and expanding lines.

Therefore, in the present invention, the VAN company 34 is connected to the Financial Services Agency 36, the Jiro issuing company 37, and the financial institution server 39 to provide a wireless network and a wireless terminal for the payment of the Jiro fee using a wireless terminal. It is to be managed by the payment management server 40 and the branch payer server 38 information about the bill payment of the subscriber paid using the bill.

Giro payments can be made using a wireless terminal under the agreement of a wireless carrier and a financial institution.

On the other hand, KFTC (36) consists of a large number of financial institutions to establish and operate a financial common network that connects all banks nationwide to one, and through the efficient exchange of bills and giro systems, customers who use banks can execute various financial transactions quickly. It is designed for the maintenance and development of sound financial transactions and for the convenience of financial institution users by making them convenient to use and facilitating payment and information distribution.

In addition, the financial settlement agency 36 in the present invention is connected to the VAN company 34 and a financial institution to provide an authorized authentication service, cyber banking, electronic commerce, electronic funds transfer due to the rapid development of information and communication technology and the spread of information and communication network. Increasingly, electronic transactions such as administrative complaints and electronic transactions between corporations are increasing. However, since electronic transactions are transactions through communication networks rather than face-to-face transactions with transaction partners, it is impossible to verify the identity and details of transactions and forgery. There is a problem such as preventing repudiation of a fact.

This problem can be solved by sending and receiving electronic documents using an electronic signature that has the same effect as a real seal. Electronic signature means unique information that can confirm the identity of the person who created the electronic document and whether the electronic document has been changed. It is like a seal of an electronic document. The digital signature is made up of a public key infrastructure consisting of a private key and its corresponding public key.The private key is safely kept and used by the individual, and the public key is publicly visible to anyone. To operate.

Since digital signatures are generated using cryptographic technology, they can be safely used for electronic transactions in cyberspace. The Certification Authority (CA) objectively identifies the relationship between the owner of the digital signature and the key used for the digital signature. In order to issue a seal certificate as an organization that issues an electronic certificate, which is an electronic certificate to be verified as a certificate, the present invention manages the VAN company 34 by being authorized by the Financial Services Agency 36. An accredited certificate is a seal certificate for cyber transactions generated by an accredited certification body. The use of digital signatures and accredited certificates in electronic transactions can provide the benefits of identity verification, document falsification, tampering, and non-repudiation of transactions.

On the other hand, if the subscriber describes the operation of installing and authenticating the digital signature program in the wireless terminal, the VAN company 34, which is in charge of authentication and authorized from the Korea Finance Institute (36), uses a public key when transmitting a message to the subscriber. The received message is decrypted with the public key stored in the subscriber's wireless terminal to confirm the message, and when the message is sent after confirming and responding to the message, the message is transmitted by encrypting it with the unique private key stored in the subscriber's wireless terminal. In this case, the VAN company 34 checks the subscriber's unique private key to decrypt the message so that the VAN company 34 can determine who sent the message.

In addition, Figure 4 is described in detail as an operation flow chart for paying the Jiro fee using the wireless terminal 30 according to the present invention.

First, the bill of Giro is paid to the subscriber of the wireless terminal, and the subscriber connects to the VAN company 34 to pay the fee of giro using the wireless terminal. Then, the VAN company 34 first establishes an electronic signature program for electronic transactions. Providing or receiving from the Korea Financial Clearinghouse (36) and transmitting and installing to the subscriber, the subscriber fills in his or her personal information and transmits, and receives a private key and password to pay the Jiro fee using a wireless terminal It becomes possible (step S41, S42).

When the digital signature program is installed in the subscriber's wireless terminal 30, the VAN company 34 displays a menu provided by the subscriber's wireless terminal, and the subscriber pays the menu if he / she wants to pay the fee among the various menus provided. If V is selected, the VAN company 34 performs authentication of the subscriber. When the user inputs and transmits a password assigned to the individual, the VAN company 34 transmits the encrypted private key stored in the wireless terminal and transmits the payment information. The authentication procedure is confirmed by matching with information such as private key and password registered in the terminal 40, and by confirming whether the information matches the personal information registered in the subscriber server 35 of the mobile communication provider (steps S43 and S44). ).

At this time, the subscriber should use his or her wireless terminal, and if the password and private key are entered using another terminal, the authentication will not be performed.

The reason is that the digital signature program consists of a public key and a private key. The public key is used to decrypt a message to confirm a general message. The private key is used when a subscriber sends a private message. If the message is encrypted and transmitted using the unique private key stored in the wireless terminal transmitting the message, when the message is transmitted using the wireless terminal of another subscriber, the authentication is not performed because the private key and the personal information do not match. .

On the other hand, if the authentication for the subscriber is rejected, the end is completed, the subscriber enters the Jiro number of the bill to be announced by using the wireless terminal 30 to transmit to the VAN company 34, VAN company 34 ) Accesses the entered Giro number to the Financial Services Agency (36) to identify the company that issued the Jiro Fare Bill, and then accesses the Giro Issuer (37) and stores the information issued by the company. ) And check whether the subscriber information is matched, and if it is matched, it is possible to check the information, such as the billed fee, at the subscriber's wireless terminal 30 (steps S45, S46, S47, S48).

In the next step, after checking the fee, the VAN company 34 asks the subscriber to pay using the wireless terminal 30, and ends when the subscriber does not want to pay using the wireless terminal 30. If the payment is desired, a menu for selecting a financial institution that can pay the fee to the wireless terminal 30 is displayed, and the subscriber selects the financial institution that the bank transfer is desired (steps S49, S50, S51).

The VAN company 34 connects to the financial institution server 39 selected by the subscriber, and the subscriber enters personal information such as an account number and a password in order to perform an account transfer from the financial institution server 39 and logs in and is notified. The fee is paid by bank transfer (step S52).

The financial institution server 39 transmits the fee transferred by the subscriber to the VAN company 34, and the VAN company 34 notifies the wireless terminal 30 of the subscriber of the fee payment completion, and further, the VAN. The payment management server 40 of the company 34 records and stores the subscriber's personal information and the information of the payment of the information of Giro, and the VAN company 34 also notifies the payment information of the subscriber to the Giro issuing company 37. The Giro issuing company 37 allows the Giro payer server 38 to record the information on whether the Giro fee is issued by the company, and to record the Giro fee payment history of the subscriber (steps S53, S54, S55).

On the other hand, the receipt that the subscriber paid the Jiro fee can be replaced by an electronic document program issued by the VAN company 34, which is authorized by the Korea Financial Services Agency (36). In addition, a financial institution may check a bank account, and another method may be to replace a receipt by issuing a bank account for paying a fee for each bank.

As described above, the present invention can pay the fee issued by the Jiro using the wireless terminal without paying directly to the financial institution using the wireless terminal, it is possible to reduce the time taken to pay the Jiro fee, Institutions can economically automate business processes, reducing the bank's business costs.

As described above, the present invention enables the subscriber to pay the fee issued by the subscriber using the wireless terminal, the financial settlement agency responsible for authentication, the financial institution that the subscriber deals with the issuer, the issuer who issued the Jiro fee bill. It consists of VANs that provide value-added telecommunication networks and manage the payment of Jiro.The electronic signature program can be responsible for the safety of electronic transactions. It can be handled by using a wireless terminal used by many users, which saves the financial cost of subscribers from the time spent visiting financial institutions. There is.

Claims (7)

In paying charges to a wireless terminal since the notice, The VAN company receives the access signal when transmitting the call signal to the wireless terminal and transmits the digital signature program to the wireless terminal of the subscriber, and provides the value-added communication network for the electronic transaction, and checks and checks the number of the issued giro number in connection with the VAN company. It is connected with the VAN company to issue a Jiro fare bill and to provide the subscriber's information. Jiro fee payment device using a wireless terminal, characterized in that it comprises a financial institution server. The method of claim 1, The VAN company Jiro bill payment device using a wireless terminal, characterized in that the subscriber further comprises a payment management server for recording and storing information on the billing result of the giro bill using a wireless terminal. The method of claim 1, The Giro issuing company is a giro bill payment device using a wireless terminal, characterized in that it further comprises a payer server for recording and storing the information of the Giro bills and the information paid by the subscriber to the subscriber. Making a call to a VAN company using a wireless terminal; Selecting a fee payment menu from a menu provided by the VAN company; Inputting the subscriber's personal information and checking the details of the Jiro fare bill; Selecting, by the subscriber, a financial institution to pay the bill; Paying a fee to the branch by inputting an account number and a password at the financial institution; The VAN company notifies the subscriber of payment details and stores them in a wireless terminal; The VAN company giro fee payment method using a wireless terminal comprising the step of storing and storing the payment details of the subscriber to the payment management server. The method of claim 4, wherein The VAN company, when the wireless terminal subscriber is connected, and transmits an electronic signature program for authentication, the wireless terminal characterized in that it further comprises a private key, password and other information to the subscriber to enable electronic transactions How did you pay? The method of claim 4, wherein The VAN company is a bill payment method using a wireless terminal, characterized in that when the subscriber pays using a wireless terminal, the payment information is further sent to the issuing company issued a bill for bills. The method of claim 4, wherein When the subscriber pays the giro fee by transferring the fee from the financial institution to the financial institution, the financial institution further includes transmitting fee payment information to the VAN company since the subscriber paid the fee. How did you pay?