KR20030033859A - A smart card having a store of a plurality of financial accounts information and system for processing financial work automatically using the smart card and method thereof - Google Patents

Abstract

PURPOSE: A smart card storing plural financial account information and a system and a method for automatically processing a financial business using the smart card are provided to store the account information of all related financial companies in one smart card and to make the final business convenient by processing the financial business through one smart card. CONSTITUTION: An ATM(Automatic Teller Machine, 200) receives a password of the selected financial account if the financial business of one financial account is requested, requests the selected financial business by transmitting the password and the information of the selected financial account to a financial server(300), and outputs a processing result if the financial server completes the financial business. The smart card(100) includes the first record storing the position information representing the position storing the code information of each financial company and the account information of the corresponding financial company, and the second record storing the financial account information includes an account number and the password of the corresponding financial company in the region matched with the position information.

Description

A smart card having a store of a plurality of financial accounts information and system for processing financial work automatically using the smart card and method approximately}

The present invention relates to a financial business processing system using a card that stores financial account information, and in particular, a smart card that stores a plurality of financial account information in one card, and automatically through the smart card through the smart card The present invention relates to a financial service automatic processing system and a method thereof.

In general, a magnetic card is mainly used to store financial account information in the card, and only one account information may be stored in the magnetic card due to the limitation of the storage capacity. In addition, the financial business using the magnetic card can be automatically performed through a cash dispenser (hereinafter referred to as CD) / automatic teller machine (hereinafter referred to as ATM). The CD / ATM transmits the card information to the financial server, and outputs the processing result according to the processing instruction of the financial server, for example, the deposit payment, the account transfer result, the balance inquiry result, and the like.

1 is a flowchart illustrating a financial business process performed through a CD / ATM through a conventional magnetic card.

Referring to FIG. 1, the CD / ATM displays a financial service that can be provided when a magnetic card is inserted. If one of several financial services is selected by the user, the user is requested to input a password of the corresponding account (step 10). When a password is input from the user, the CD / ATM reads the account information from the magnetic card, transmits the read account information together with the password to the financial server, and requests the financial business process requested from the user (step 12). The financial server checks the account information and the password transmitted from the CD / ATM, processes the requested financial transaction, and transmits the result to the CD / ATM. When the CD / ATM transmits the processing result from the financial server, the CD / ATM outputs the processing result (step 14). For example, if a user requests a deposit payment, the CD / ATM pays the requested amount.

On the other hand, a customer having multiple financial accounts may need to have as many cards as the number of financial accounts, and a user may have difficulty managing multiple cards.

The first technical problem to be achieved by the present invention is to provide a smart card for storing a plurality of financial account information.

The second technical problem to be achieved by the present invention is to provide a financial business automatic processing system and method for processing financial business by using a smart card that stores a plurality of financial account information.

A third technical problem to be achieved by the present invention is to provide a recording medium recorded with a program code executable on a computer for the method for automatically processing financial services.

1 is a flowchart illustrating a financial business process performed through a CD / ATM through a conventional magnetic card.

2 is a view for explaining an embodiment of a smart card that stores a plurality of financial account information according to the present invention.

FIG. 3 is a block diagram schematically illustrating an automatic financial service processing system according to the present invention for performing financial business processing through the smart card described in FIG. 2.

FIG. 4 is a flowchart illustrating an embodiment of a financial business processing method performed around the CD / ATM 200 in the system shown in FIG. 3.

FIG. 5 is a flowchart illustrating another embodiment of a financial transaction processing method performed on the CD / ATM 200 in the system shown in FIG. 3.

FIG. 6 is a flowchart illustrating an embodiment of an authentication procedure performed in step 620 of FIG. 5.

In order to achieve the first object, the smart card according to the present invention includes a storage means for storing a plurality of financial account information, the storage means, the code information for each financial company with an account and the location where the corresponding financial account information is stored And a second record storing financial information including financial account information and a password of an area corresponding to the location information.

In order to achieve the second task, the automatic financial services processing system according to the present invention including a financial server for processing the requested financial business is inserted a plurality of smart cards and smart cards that store information about a plurality of financial accounts When a financial transaction for one financial account is requested, a request for a password of the selected financial account is requested and inputted, and the requested password is processed by transmitting the input password and information of the selected financial account to the financial server. In addition, it is preferable to include a cash dispenser (hereinafter referred to as CD) / automatic banking terminal (hereinafter referred to as ATM) that outputs the processing result when the processing is completed in the financial server.

In order to achieve the second task, in a financial service automatic processing system including a financial server processing a requested financial transaction and a CD / ATM communicating with the financial server, the financial business processing according to the present invention performed in the CD / ATM. The method includes the steps of (a) confirming the insertion of a smart card storing information on a plurality of financial accounts, referring to the financial account information stored in the smart card, and displaying the financial companies that can be traded, and selecting a financial company and a financial business to trade. Step (b) for requesting, the financial company and the financial business to be selected, the request for the password of the financial account (c), if the password is entered, the financial server to extract the selected financial account information from the input password and smart card (D) requesting the processing of the requested financial service and output the processing result when the processing of the requested financial service is completed in the financial server. Be made of the step (e) is preferred.

In order to achieve the second task, the automatic financial transaction processing system according to the present invention includes a storage means for storing a plurality of financial account information that can be traded and an authentication key for each financial company for transaction authentication during a financial account transaction. If present, the smart card performs a predetermined authentication procedure using the authentication key, grants an authentication key, performs a data communication between the financial server and the smart card and the financial server performing the financial business process, and the smart card is inserted into a plurality of financial When one of the accounts is selected and the financial business process is requested, the smart card requests the authentication process to be performed. When the transaction is authenticated, a request for the password of the selected financial account is received and inputted. Request the processing of the requested financial business by sending to the financial server, and processing is completed when the processing is completed by the financial server. It is preferably a CD / ATM and for outputting.

In order to achieve the second task, in a financial service automatic processing system including a financial server for processing the requested financial business and a CD / ATM communicating with the financial server, the financial business processing according to the present invention performed in the CD / ATM. The method includes the steps of (a) confirming the insertion of a smart card storing information on a plurality of financial accounts, referring to the financial account information stored in the smart card, and displaying the financial companies that can be traded, and selecting a financial company and a financial business to trade. (B) requesting a transaction, receiving a transaction authentication from a smart card if a financial company and a financial business to be selected are selected, (d) requesting a password of the corresponding financial account if the transaction is authenticated from a smart card, In step (e) and the financial server, if the password is input, the inputted password and the selected financial account information are transmitted to the financial server, and the processing of the requested financial business is requested. When the processing of the requested financial service is completed, it is preferable that the step of outputting the processing result (f).

Hereinafter, a smart card storing a plurality of financial account information according to the present invention, a financial business automatic processing system using the smart card, and a method thereof will be described with reference to the accompanying drawings.

2 is a view for explaining an embodiment of a smart card that stores a plurality of financial account information according to the present invention, the smart card includes a first record 400 and the second record 410, authentication The apparatus may further include a key table 420 in which an authentication key for processing is stored.

Referring to FIG. 2, the first record 400 includes "progress", "financial name", "code", "location", etc. for a plurality of financial accounts traded by a smart card user (hereinafter, referred to as a user). The information may be stored. Here, the "order number" area stores the temporal order of account creation, and the "code" area stores unique code values given to each financial institution. For example, Hanbit Bank has a code of 20 and Hana Bank has a code of 28. In the "location" area, location information in the second record 410 in which specific information about the account to be used, for example, "account number", "deposit note", "password", etc., is stored.

The second record 410 stores financial account information including “account number”, “depository note”, “password”, etc. in the “location” area corresponding to the “location” of the first record 400. Referring to FIG. 2, the financial account information stored in the area where the “location” is “1100” in the second record 410 is “0” in which “1100” is stored in the “location” area in the first record 400. Second, financial account information for "Hanbit Bank".

In addition, the smart card may further include a key table 420 in which authentication keys for respective financial institutions used for authentication of financial business transactions are stored. Here, the authentication key for each financial company is a unique key given by each financial company when creating a financial account. Referring to FIG. 2, the key table 420 includes a "code" area and an "authentication key" area. A code value unique to a financial company such as the first record 400 is stored in the "code" area. Key "area stores each unique authentication key given by each financial institution.

FIG. 3 is a block diagram schematically illustrating an automatic financial business processing system according to the present invention that performs financial business processing through the smart card described in FIG. 2. The smart card 100, the CD / ATM 200 and the financial server are shown in FIG. 300 is made.

2 and 3, the smart card 100 stores information on a plurality of financial accounts, as shown in FIG. 2. In addition, the smart card 100 may generate a card random number by itself, which is used to generate authentication data in the financial server 300 and to authenticate the financial transaction of the smart card 100.

The CD / ATM 200 is a terminal that communicates between the smart card 100 and the financial server 300 and performs financial business. The CD / ATM 200 reads the smart card 100 when the smart card 100 is inserted through the insertion hole 200a and displays a financial company that can be traded through the screen 200b, and allows the user to perform financial business, and withdraws the deposit. Select financial services such as balance checks, balance checks and bank transfers. In addition, when the financial company and financial business to be traded by the user is selected by the user, the CD / ATM 200 requests and receives a password of the selected financial account. When the password is input by the user, the CD / ATM 200 transmits the input password and the account information of the selected financial account to the financial server 300 to request processing of the requested financial business. When the financial server 300 notifies that the processing of the requested financial service is completed, the processing result is output. For example, if the user requests the withdrawal of the deposit using the smart card 100, a desired amount is provided to the user as a processing result, and if the user requests a balance inquiry, the balance inquiry result is displayed on the screen 200b. Of course, it is also possible to output the processing result by voice.

Meanwhile, before transmitting the password input from the user and the account information of the selected financial account to the financial server 300, the CD / ATM 200 may request a card random number to receive a transaction authentication from the smart card 100. . As such, when a card random number is requested from the CD / ATM 200, the smart card 100 generates a predetermined card random number. The CD / ATM 200 may request the generation of authentication data by transmitting the card random number generated from the smart card 100 to the financial server 300. As such, when the generation of the authentication data is requested while the card random number is transmitted from the CD / ATM 200, the financial server 300 encrypts the card random number by using an authentication key unique to the financial company. It is generated and sent to the smart card 100 via the CD / ATM (200). The smart card 100 decrypts the authentication data transmitted from the financial server 300 using the corresponding authentication key for each financial company, and determines whether the decrypted data is the same as the random number of the card generated by the financial server 300 and determines the result of the authentication. The CD / ATM 200 is transmitted. If the transaction authentication is granted from the smart card 100, the CD / ATM 200 may request a financial business process by transmitting a password input from the user and account information of the selected financial account to the financial server 300. However, if the transaction authentication is not granted from the smart card 100, the screen 200b indicates that the requested financial business cannot be processed.

As such, it is possible to prevent a card accident through the process of receiving a transaction authentication through the smart card (100).

Subsequently, the financial server 300 performs financial business processing on the financial account requested through the CD / ATM 200 and transmits the result to the CD / ATM 200.

FIG. 4 is a flowchart illustrating an embodiment of a financial business processing method performed around the CD / ATM 200 in the system shown in FIG. 3. Hereinafter, for convenience of description, the smart card 100 shown in FIG. 3 is assumed to store financial account information having a data structure as shown in FIG. 2.

Referring to FIGS. 2 to 4, the CD / ATM 200 checks whether the smart card 100 that stores information about a plurality of financial accounts is inserted into the insertion slot 200a (step 500). .

When the insertion of the smart card 100 is confirmed in operation 500, the financial institutions that can be traded are displayed with reference to the financial account information stored in the smart card 100, and a request for selection of the financial company and the financial business to be performed is performed (operation 510). ). In FIG. 2, the CD / ATM 200 may check the “code” area of the first record 400 in FIG. 2 to display financial transaction names on the screen 200b.

After step 510, if the financial company and the financial business to be selected by the user are selected, the CD / ATM 200 requests an account password for the selected financial company (step 520).

After operation 520, when the account password of the financial company selected by the user is input, the CD / ATM 200 extracts the selected financial account information from the smart card 100 and finances the extracted financial account information and the input password. The server 300 transmits the request to the requested financial business process selected in step 510 (step 530). Here, to extract the selected financial account information, with reference to FIG. 2, the CD / ATM 200 checks the location information of the selected financial account with reference to the first record 400. At this time, if the location information of the selected financial account is confirmed as "1100", the account information stored in the area corresponding to the confirmed location information is extracted from the second record (410). That is, the CD / ATM 200 includes an area in which the location information is "1100" in the second record 410, that is, "account number", "deposit note", "password", etc., stored in the first row. Extract financial account information.

Subsequently, after step 530, when the processing of the requested financial service is completed in the financial server 300, the CD / ATM 200 outputs the processing result. The output of the processing result is deposit payment, balance inquiry result, and account transfer processing result.

In the above, the method for performing the financial business without the card transaction authentication of the smart card 100 has been described. However, in order to more safely use the smart card 100 that stores a plurality of financial account information, it is preferable to perform a predetermined authentication procedure.

FIG. 5 is a flowchart showing another embodiment of a financial business processing method performed mainly on the CD / ATM 200 in the system shown in FIG. 3, and the financial business processing method when the smart card 100 performs authentication processing. to be.

First, operations 600 and 610 of FIG. 5 perform the same operations as operations 500 and 510 of FIG. 4, respectively, and thus a detailed description thereof will be omitted.

After step 610, when a financial company and a financial business to be selected by the user are selected, the CD / ATM 200 requests the smart card 100 to perform an authentication procedure using the authentication key for each financial company stored in the key table 420. (Step 620).

After step 620, if the authentication indicating the card transaction permission is granted from the smart card 100, the CD / ATM 200 requests the account password of the financial company selected in step 510 (step 630).

After operation 630, operations 640 and 650 perform the same operations as operations 530 and 540 described with reference to FIG. 4, and thus a detailed description thereof will be omitted.

FIG. 6 is a flowchart illustrating an embodiment of an authentication procedure performed in step 620 of FIG. 5.

2, 3 and 6, the CD / ATM 200 first requests the card random number generation to the smart card 100 (step 620a).

As such, when a card random number generation is requested, the smart card 100 generates a predetermined card random number, and the CD / ATM 200 transmits it to the financial server 300 while the financial server 300 is the smart card 100. In step 620b, a request is made to generate authentication data that encrypts the card random number using a unique authentication key given when the account is issued.

When the authentication data is generated and transmitted from the financial server 300, the CD / ATM 200 transmits the authentication data to the smart card 100 and requests transaction authentication (operation 620c). Here, the smart card 100 decrypts the authentication data using the corresponding financial company-specific authentication key stored in the key table 420 and determines whether the transaction is authenticated according to whether the decrypted data is the same as the card random number generated in step 620b. Decide

As described above, through the smart card that stores a plurality of financial account information, and the automatic financial business processing system and method for processing the same, the user can store the account information of all the financial companies used in one card. Therefore, the desired financial business can be processed using a single card, thereby making the financial business more convenient.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The best embodiments have been disclosed in the drawings and specification above. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not used to limit the scope of the present invention as defined in the meaning or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

As described above, according to the smart card that stores a plurality of financial account information according to the present invention and the automatic financial business processing system and method using the smart card, the user has a single smart card all financial companies The account information can be stored, and therefore, the desired financial business can be processed using a single smart card, thereby making the financial business more convenient.

Claims (16)

Storage means for storing a plurality of financial account information, The storage means, A first record storing code information for each financial company with an account and location information indicating a location where the account information of the financial company is stored; And And a second record storing financial information including the account information and the password of the corresponding financial company in an area corresponding to the location information. The method of claim 1, wherein the storage means further comprises a key table, which is provided from each financial company corresponding to the code information for each financial company, and stores an authentication key unique to the financial company used for authentication for financial business transactions. Smart card. In the financial business automatic processing system comprising a financial server for processing the requested financial business, A smart card storing information on a plurality of financial accounts; And When the smart card is inserted and a financial transaction process for one of the plurality of financial accounts is requested, a request for a password of the selected financial account is requested and received, and the input password and information of the selected financial account are received. A cash dispenser (hereinafter referred to as CD) / automatic banking terminal (Automatic Teller Machine), which transmits to the server to request the requested financial business processing and outputs the processing result when the processing is completed at the financial server. , ATM is weak). The method of claim 3, The smart card is A first record storing code information for each financial company with an account and location information indicating a location where the account information of the financial company is stored; And And a second record storing financial account information including an account number and a password of the corresponding financial company in an area corresponding to the location information. In a financial service automatic processing system including a financial server for processing a requested financial transaction and a CD / ATM for communicating with the financial server, the financial business processing method performed in the CD / ATM, (a) confirming the insertion of the smart card, which stores information on the plurality of financial accounts; (b) referring to the financial account information stored in the smart card, displaying the financial companies that can be traded, and requesting selection of a financial company and a financial business to be traded; (c) requesting a password of the financial account when the financial company and the financial business to be transacted are selected; (d) extracting the selected financial account information from the input password and the smart card when the password is input and transmitting the extracted financial account information to the financial server and requesting the requested financial business process; And and (e) outputting a processing result when the processing of the requested financial service is completed by the financial server. The method of claim 5, wherein the smart card is A first record for storing code information for each bank having an account and location information indicating a location at which the account information of the financial institution is stored; And And a second record storing financial account information including an account number and a password of the corresponding financial company in an area corresponding to the location information. According to claim 6, In the step (b) by referring to the financial information for each financial company code of the first record and displays the tradeable financial companies, Step (d) (d1) confirming location information of the selected financial account with reference to the first record; (d2) extracting account information stored in an area corresponding to the identified location information from the second record; And and (d3) transmitting the account information and the password extracted from the second record to the financial server to request financial business processing. A recording medium which records the financial business processing method of claim 5 in a program code executable on a computer. A smart card including storage means for storing a plurality of tradeable financial account information and authentication keys for each financial company for transaction authentication in a financial account transaction, and performing a predetermined authentication procedure using the authentication key when requested; A financial server granting the authentication key and performing financial business processing; And Perform data communication between the smart card and the financial server, and when the smart card is inserted and one financial account of the plurality of financial accounts is selected and a financial business process is requested, the smart card requests to perform the authentication procedure. When the transaction is authenticated, a password of the selected financial account is requested and inputted, and the input password and the information of the selected financial account are transmitted to the financial server to request the requested financial business processing, and the processing is performed by the financial server. And a CD / ATM for outputting the processing result upon completion. The method of claim 9, wherein the predetermined authentication procedure is The smart card generates a predetermined card random number at the request of the CD / ATM, The financial server generates the authentication data encrypted by using the authentication key assigned to the smart card to the card random number sent by the CD / ATM, The smart card decrypts the authentication data transmitted by the CD / ATM using an authentication key of the financial institution, and conducts transaction authentication according to whether the decrypted data is equal to the card random number. Automatic processing system. The method of claim 9, The storage means of the smart card A first record storing code information for each financial company with an account and location information indicating a location where the account information of the financial company is stored; A second record storing financial account information including an account number and a password of the corresponding financial company in an area corresponding to the location information; And And a key table storing a unique authentication key given by a financial company corresponding to the code information. In the financial business automatic processing system comprising a financial server for processing the requested financial business and the CD / ATM for communicating with the financial server, the financial business processing method performed in the CD / ATM, (a) confirming the insertion of the smart card, which stores information on the plurality of financial accounts; (b) referring to the financial account information stored in the smart card, displaying the financial companies that can be traded, and requesting selection of a financial company and a financial business to be traded; (c) receiving a transaction authentication from the smart card when a financial company and a financial business to be selected are selected; (d) requesting a password of the corresponding financial account if the transaction is authenticated from the smart card; (e) when the password is input, transmitting the input password and the selected financial account information to the financial server and requesting processing of the requested financial business; And and (f) outputting a processing result when the processing of the financial service requested by the financial server is completed. The method of claim 12, wherein the smart card is A first record storing code information for each financial company with an account and location information indicating a location where the account information of the financial company is stored; A second record storing financial account information including an account number and a password of the corresponding financial company in an area corresponding to the location information; And And a key table storing an authentication key granted from a financial server corresponding to the code information. 15. The method of claim 13, wherein in step (b), the financial institutions are displayed by referring to the financial company code information of the first record, Step (d) (d1) confirming location information of the selected financial account with reference to the first record; (d2) extracting account information stored in an area corresponding to the identified location information from the second record; And (d3) transmitting the account information and the password extracted from the second record to the financial server and requesting an account transaction processing. The method of claim 12, wherein step (c) (c1) requesting generation of a card random number to the smart card; (c2) transmitting the card random number to the financial server and requesting generation of authentication data encrypting the card random number with an authentication key assigned to the smart card by the financial server; (c3) transaction according to whether the data decrypted using the authentication key for each financial company stored in the key table of the smart card by transmitting the authentication data generated by the financial server to the smart card is equal to the card random number. A financial business processing method comprising the step of requesting authentication. A recording medium recording the financial business processing method of claim 12 in a program code executable on a computer.