KR20030072193A - Management system and management method for unified financial transactions - Google Patents

Abstract

PURPOSE: A system and a method for managing an integrated financial transaction are provided to receive the integrated financial transaction service from financial organizations by using one IC chip registering the account information of the financial organizations, the customer information, and a public charge payer number. CONSTITUTION: The IC chip(10) is installed to the inside or the outside of a card(20) and a wireless communication terminal(30). A wicket terminal(40) and an automated device(60) relay the financial transaction between the IC chip(10) and the financial organization(200). An electronic bankbook processor(50) displays and outputs the particulars of the bankbook due to the financial transaction. An automated public charge receiver(70) performs the public charge reception between the IC chip(10) and a financial clearance center(500) as a proxy. A member store terminal(80) performs a purchase settlement using the IC chip(10). A financial organization host controls the financial transaction through an account of the financial organization. An IC chip management system(230) manages registration items of the IC chip(10).

Description

Management system and management method for unified financial transactions

The present invention relates to an integrated financial transaction management system and a method for managing the same. More specifically, the present invention relates to a plurality of financial transactions in which a customer deals in an integrated circuit chip mounted on a smart card or a mobile communication terminal. The present invention relates to an integrated financial transaction management system and a method of managing the same, which enable transactions with a plurality of financial institutions by using an automatic account or various terminals capable of interfacing by registering the institution account information.

In general, a transaction between a customer and a financial institution is performed by the customer using a bank account or a cash card issued by each financial institution, using a sales counter or an automated device, etc., at the transaction account of the financial institution. It has a simple procedure for carrying out services, transaction records, etc.

At this time, the bankbook and cash card issued by each financial institution record and use the customer's financial information on the MS (Magnetic Stripe) Track on the back side. Receive transaction services such as deposit and withdrawal, credit and debit purchases, and cash services through multiple MS bank accounts or cards issued for each account.

The MS track of these bankbooks and cards has a low manufacturing cost, so the burden of bankbook and card issuance is low.However, the amount of data that can be stored is very small, so the customer keeps multiple bankbooks and cards issued by each financial institution. It is inconvenient to use and has a high risk of loss. In addition, there is a problem that you must report to a financial institution that issued a different card and bankbook when carrying a wallet.

In order to solve the problems described above, each financial institution actively utilizes electronic communication technology and network technology such as the Internet, and establishes a network between financial institutions or between financial institutions and customers to provide financial common network services. And a Firm / Home Banking service using a PC, a phone, and the like.

In another case, in the process of issuing a card according to a trading account, each financial institution issues an affiliate card incorporating services provided by affiliated institutions such as other trading accounts, credit card companies, and second financial institutions, on one card.

However, the firm / home banking service using this network technology also requires customers to access financial institutions such as deposits, withdrawals, account transfers, and cash services from their trading accounts after connecting to the host of the trading financial institution. This complexity is inconvenient to remember all the account numbers of the transaction account.

In addition, affiliated cards provided by each financial institution can be provided with financial services provided by multiple accounts or credit card companies and second financial institutions, etc. with one card. It takes the form of registering and issuing other accounts in the institution or credit card numbers of affiliated credit card companies.

Therefore, in order to use a transaction account of another financial institution that is not registered with the affiliated card, the customer still has to remember the financial institution account number or store and possess the issued card or bankbook, which is inconvenient to use and high risk of loss. There is a problem.

Accordingly, an object of the present invention is to use a single IC chip registered with a number of financial institution account information, customer information and bill payer number, etc., payment and withdrawal, account transfer, cash service, bill payment from multiple financial institutions The present invention provides an integrated financial transaction management system and a method of managing the integrated financial transaction services.

Another object of the present invention can be used by directly registering the financial account number and payer number required by the customer of the account information and bill payer number of a number of financial institutions trading on the IC chip mounted in the card and the mobile communication terminal. To provide an integrated financial transaction management system and its management method.

Still another object of the present invention is to provide an integrated financial transaction management system that can replace the issuance of physical bankbooks and cards with MS tracks on which customer and account information is recorded by utilizing IC chips having relatively large memory capacities; The management method is to provide.

In order to achieve the above object, the integrated financial transaction management system according to the present invention is embedded in or external to a card and a wireless communication terminal, and the customer is trading a number of financial institution account information, card company information and utility bill payer number, etc. IC chip (Integrated Circuit Chip) to register and perform various financial transactions; Counter terminal and automation that relays financial transactions such as deposits, withdrawals, bank transfers, and cash services between the IC chip and a financial institution, and registers new account information and bankbook details on the IC chip. An appliance; An electronic bankbook organizer for recording and displaying a bankbook record of a financial account registered to the IC chip through a data interface between the IC chip and a financial institution, and for printing the displayed bankbook record to a printer; An automatic utility for storing utility bills through a data interface using an internal network and a financial common network between the IC chip and the financial settlement agency; A merchant terminal for performing a credit / debit purchase payment through a card company or a debit account information registered in the IC chip; A financial institution host connected to an external network such as the terminal terminal and an automated device, an electronic bankbook organizer, a utility for storing bills, and controlling a financial transaction through a plurality of financial institution accounts registered to the IC chip; And an IC chip management system for issuing an IC chip embedded in or external to the smart card and the mobile communication terminal, and managing a plurality of financial institution account information, card company information, and bill payer number registered in the issued IC chip. It is provided.

In order to achieve the above object, the integrated financial transaction management method according to the present invention includes the steps of issuing an IC chip registered with the account information of a financial institution embedded or external to the card and the wireless communication terminal in the IC chip management system; Registering a plurality of financial institution account information, card company information, and utility bill payer number that the customer is trading in the IC chip issued by the counter terminal and the automation device; According to the situation adjusted by the customer by using the account information, card company information, and bill payer number, which are registered on the IC chip in the external terminal such as the counter terminal and the automation device, the electronic bank account organizer, and the utility bill payment automation device, etc. Performing a transaction; Displaying the changed financial institution account information of the customer on the display unit and transmitting the changed financial institution account information to the IC chip when the financial transaction is completed; And storing the changed IC data in the IC chip when the changed account information is transmitted.

1 is an overall configuration diagram of an integrated financial transaction management system according to the present invention.

FIG. 2 is a diagram illustrating an internal configuration of the IC chip, the window terminal, and the automation device of FIG.

3 is a diagram illustrating an internal configuration of the electronic bankbook organizer of FIG. 1.

Figure 4 is an internal configuration of the utility bill automatic storage of Figure 1;

5 is a diagram illustrating an internal configuration of the affiliated store terminal of FIG. 1.

6 is a flow chart of the integrated financial transaction management method according to the present invention.

FIG. 7 is a detailed flowchart of the steps of registering the plurality of financial institution account information, card company information and utility bill payer number of FIG.

8 is a detailed flowchart of a step of performing a financial transaction using the external terminal of FIG. 6.

Explanation of symbols on the main parts of the drawings

10: IC chip 20: smart card

30: mobile communication terminal 40: window terminal

50: electronic account organizer 60: automated equipment

70: utility bill automatic storage device 80: merchant terminal

100: internal network 130: financial common network

220: financial institution host 230: IC chip management system

500: Financial Services Agency

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

1 is an overall configuration diagram of an integrated financial transaction management system according to the present invention.

First, in adding reference numerals to components of each drawing, the same components are assigned to have the same reference numerals as much as possible even if they are displayed on different drawings.

The integrated financial transaction management system according to the present invention includes an IC chip (Integrated Circuit Chip) 10 or an IC chip 10 that is embedded or external to the card 20 and the wireless communication terminal 30 as shown in FIG. ) And the terminal terminal 40 and the automated device 60 for relaying financial transactions between the financial institution 200 and the electronic bankbook organizer 50 for displaying and outputting the changed bankbook details according to the financial transaction, and the IC chip. Billing automated equipment 70 for billing utility billing and the merchant terminal 80 for performing a credit / debit purchase payment using the IC chip 10 between the financial settlement agency 500 and the financial institution account; A financial institution host 220 for controlling a financial transaction through the IC chip management system 230 for managing the registration of the IC chip 10 is provided.

In addition, an integrated financial transaction management system includes a personal computer (PC) to enable financial transactions such as account transfer, cash service, and electronic money charging through the Internet network 120 between the IC chip 10 and the financial institution 200. An IC chip lead / reader (Read / Writer) 90 is further provided.

The IC chip lead / write device 90 is connected to a customer's PC or other terminal capable of financial transactions using the Internet, so that the inquiry of the data registered with the IC chip 10 and the financial transaction using the same are possible. .

The IC chip 10 is issued by a specific financial institution that the customer deals with, and is embedded in a wireless communication terminal 30 such as a smart card 20, a mobile phone, a personal digital assistant (PDA), or the like. Or manufactured to be external.

In this case, the IC chip 10 has a storage means having a relatively large data capacity, and can not only store multiple accounts of a specific financial institution with which a customer trades, but also other financial institutions, for example, a bank, a card company, a trust company, and a securities company. It is also possible to store account information, such as, it is possible to store transactions and transaction details with multiple accounts of multiple financial institutions using one IC chip.

Therefore, the customer does not need to carry bankbooks and cards of several financial institutions that the customer trades through the possession of the smart card 20 or the wireless communication terminal 30 with one IC chip 10 embedded therein or externally. Financial transactions such as deposits, withdrawals, transfers, cash services, transaction history inquiry and storage with financial institutions can be performed using automated devices 60, such as CD machines or ATMs, and counter terminals 40 of branches. .

In addition, the IC chip 10 stores customer information, card company information, utility bill number, etc., as well as the account information of a plurality of financial institutions with which the customer is trading. It is possible to record additional service functions that can use life services such as cards.

The IC chip 10 is embedded in a credit card such as a smart card 20 and the like, the terminal device 40 and the automation device 60, the electronic bankbook organizer 50, utility billing automation device 70, merchant terminal 80 Contact IC chip that performs data interface by contact method with an external terminal such as), a wireless communication terminal 30 such as a mobile phone or PDA, or embedded in a credit card, or embedded in a credit card It is divided into a contactless IC chip that performs data interface through (Radio Frequency) or Infrared communication.

2 is a diagram illustrating an internal configuration of the IC chip, the window terminal, and the automation device of FIG. 1.

As shown in FIG. 2, the IC chip 10 includes an account information storage unit 11 that stores account information converted into IC data and financial institution account information according to a financial transaction, and data in the IC chip. A microprocessor unit 12 for processing and controlling, a chip operating system 13 for managing all application programs in the IC chip 10, an interface unit 14 for performing data interfaces with external terminals, and an external device. An RF communication unit 15 for performing a data interface by RF communication with terminals is provided.

The account information storage unit 11 stores the data of the MS track of the physical bankbook and the card converted into the IC type through the microprocessor unit 12, and the account information transmitted from the financial institution host 220 described later, It stores bank account book details and utility billing information for financial transactions of several registered financial accounts.

The microprocessor unit 12 converts the data of the MS (Magnetic Stripe) track of a plurality of real banks and cards transmitted from the teller terminal 40 and the automation device 60 such as a CD machine or an ATM machine into an IC type. Control to be stored in the account information storage unit 12.

The interface unit 14 includes a window terminal 40 and an automation device 60, an electronic bankbook organizer 50, a utility bill storage automation device 70, a merchant terminal 80, an IC chip lead / writer 90, and the like. Perform data interface in contact or non-contact with the same external terminal.

The RF communication unit 15 is a contactless method using an RF communication with an external terminal such as a window terminal 40 and an automated device 60, an electronic bankbook organizer 50, a utility bill storage automation device 70, the merchant terminal 80, and the like. To perform the data interface.

Meanwhile, as illustrated in FIGS. 1 and 2, the branch window terminal 40 and the automation device 60 may receive, withdraw, and deposit accounts through a data interface between the IC chip 10 and the financial institution 200. Financial transactions such as transfers, cash services, etc. are relayed, and account information and bank book details of new or other financial institutions are registered in the IC chip 10.

As shown in FIG. 2, the window terminal 40 and the automation device 60 include an IC input / output unit 41, an infrared ray transmitting / receiving unit 42, an MS reader unit 43, and a display unit. 44, the main control unit 45, the MS account information storage unit 46, the electronic bank account processing unit 47, the deposit and withdrawal transaction unit 48, the integrated account financial processing unit 49, the internal The network interface unit 61 and the internet interface unit 62 are provided.

The IC input / output unit 41 and the infrared transmitting / receiving unit 42 obtain customer information and financial institution account information of the IC data type stored in the IC chip 10 and provide the same to the main control unit 45. In addition, the financial transaction is made by the customer's selection, and the change in the financial account in which the transaction history is transmitted is transmitted to the IC chip 10.

The MS reader unit 43 acquires customer information and account information stored in MS tracks of real banks and cards issued by a plurality of financial institutions, and obtains customer information and account information of MS tracks of real banks and cards obtained. Stored in the MS account storage unit 46.

The MS account storage unit 46 implants the customer information and account information of the stored MS tracks into the IC chip 10 which is in contact or non-contact with the IC input / output unit 41 and the infrared transmitting / receiving unit 42. do.

The electronic bankbook processing unit 47 stores, inquires, and prints a bankbook record according to a financial transaction of each account stored in the IC chip 10 obtained from the IC input / output unit 41 and the infrared transmitting / receiving unit 42. Control as possible.

The input / output transaction unit 48 may be used for input / output, withdrawal, account transfer, cash service, etc. of the transaction account obtained from the IC input / output unit 41, the infrared transmitting / receiving unit 42, and the MS reader unit 43. Perform financial transactions.

The internal network interface unit 61 is connected to a financial institution internal network (LAN) 100 to interface with a financial institution according to each financial transaction.

In addition, the main controller 45 controls the necessary operation according to the overall operation process required for each component and the situation adjusted by the customer for performing the financial transaction using the IC chip 10. All such financial transaction process and MS information transplantation process as described above are displayed on the display unit 44.

3 is a diagram illustrating an internal configuration of the electronic bankbook organizer of FIG. 1.

Referring to FIGS. 1 and 3, the electronic bankbook organizer 50 may register a bank account registered in the IC chip 10 through a data interface between the IC chip 10 and the financial institution 200. Record and display the book details, and print the displayed book book details through the printer unit 56.

As shown in FIG. 3, the electronic bankbook organizer 50 includes an IC input / output unit 51, an infrared ray transmitting / receiving unit 52, an MS reader unit 53, a display unit 54, an electronic A bank account control unit 55, a printer unit 56, an internal network interface unit 57, and an internet interface unit 58 are provided.

The IC input / output unit 51 and the infrared ray transmitting / receiving unit 52 obtain customer information and financial institution account information of the IC data type stored in the IC chip 10 and provide the electronic bank account control unit 55 to the customer. The change in the corresponding financial account due to the selection of is transmitted to the IC chip 10.

The MS reader unit 53 acquires customer information and account information stored in MS tracks of real banks and cards issued by multiple financial institutions, and obtains customer information and account information of MS tracks of real banks and cards obtained. Transfer to the electronic bank account control unit 55.

The internal network interface unit 57 connects to the financial institution internal network 100 for an interface with the financial institution 200 required for inquiring account book details of each account registered in the IC chip 10.

In addition, the electronic bankbook control unit 55 is configured for storing, inquiring, and printing the bank book history of the financial account obtained through the financial transaction and the MS reader 53 of each account stored in the IC chip 10. The required operation is controlled according to the overall operation required by the customer and the situation adjusted by the customer.

The account book details according to the financial transactions of each of the accounts as described above are displayed on the display unit 54, and the displayed book account details are printed through the printer unit 56.

At this time, the external terminal such as the window terminal 40, the automation device 60, the electronic bankbook organizer 50, and the like further provided with an Internet interface unit 58, 62 for accessing the Internet to perform financial operations on the Internet. do.

On the other hand, Figure 4 is an internal configuration of the utility bill storage automation device of FIG.

Referring to FIGS. 1 and 4, the utility bill accepting device 70 uses a data bureau through a data interface using the financial common network 130 between the IC chip 10 and the financial settlement agency 500. (Not included).

In this case, the utility bill automatic storage device 70 is a utility bill storage automation equipment that is added to the automation device 60, such as a general CD machine and ATM machine, or is not coupled to the automation device 60 simply bill storage function It is an automated device having a separate terminal form to perform only. If the utility bill accepting device is coupled to an automated device 60, such as a general CD machine and ATM machine, the remaining financial transactions except for the utility bill storage function are the same as the automated device 60.

As shown in FIG. 4, the utility bill acceptor 70 includes an IC input / output unit 71, an infrared ray transmitting / receiving unit 72, an MS reader unit 73, a display unit 74, and the like. And a utility bill storage control unit 75 and a network interface unit 76.

The IC input / output unit 71 and the infrared ray transmitting / receiving unit 72 obtain a utility bill payer number stored in the IC chip 10 and provide the utility bill payment controller 75 to the utility bill storage controller 75. At this time, in order to register the utility bill payer number on the IC chip 10 for the first time, a process in which the customer inputs the utility bill payer number written on the paper into the automation device 60 or the utility bill storage automation device 70 is required. The utility bill payer number is stored in the IC chip 10.

The customer selects a giro user institution that the user wishes to pay from among the display contents displayed on the display unit 74 and requests the KFTC 500 through the network interface unit 76 to pay the utility bill.

The network interface unit 76 is provided with a bill payment details to be paid by the customer registered to the IC chip 10 provided by the Jiro user organization by accessing the Financial Services Agency 500 through the financial common network 130.

The MS reader unit 73 acquires information stored in the MS track of the customer's credit card, debit card, and cash card required for billing payment according to the bill payment history of the customer provided by the KFTC 500.

The display unit 74 displays the bill payment history of the customer provided by the KFTC 500, while the bill payer number and the giro user institution obtained from the IC chip 10, and the overall operation required for storing the bills. Mark the process.

The utility bill receiving control unit 75 inputs and outputs the utility bill payer number and the Jiro user's institution registered in the IC chip 10 embedded or external to the smart card 20 and the mobile communication terminal 30 presented by the customer. Acquired through the unit 71 and the infrared ray transmitting / receiving unit 72 and displayed on the display unit 74.

In addition, the utility bill control unit 75 controls the entire operation process required for each component for the customer's utility bill payment, and controls the necessary operation according to the situation adjusted by the customer. Then, the utility bill payment process is completed by a method such as credit, cash or debit, and an account transfer method based on the MS track information of the customer's credit, cash or debit card acquired through the MS reader unit 73.

5 is a diagram illustrating an internal configuration of the affiliated store terminal of FIG. 1.

Referring to FIGS. 1 and 5, the affiliated store terminal 80 is a terminal provided in a merchant that can purchase credit / debit through a card company or a debit account information registered on the IC chip 10.

As illustrated in FIG. 5, the affiliated store terminal 80 includes an IC input / output unit 81 and an infrared ray transmitting / receiving unit 82 capable of reading / writing the IC chip 10. do.

The merchant terminal 80 stores the card company information or the debit account information registered in the IC chip 10 embedded or external to the smart card 20 and the mobile communication terminal 30 presented by the IC input / output unit ( 81) and an infrared ray transmitting / receiving unit 82 to display on the display unit 83.

The customer selects the card company or debit account information that the user wishes to pay from among the display contents displayed on the display unit 83 and requests the financial institution 200 and the credit card company server 300 for purchase approval through the VAN network 110. .

In addition, the merchant payment control unit 84 of the merchant terminal 80 controls the entire operation process required for each component to be able to purchase credit / debit through the card company or debit account information registered in the IC chip 10, Control the required operation according to customer adjustments.

The financial institution 200, as shown in Figure 1, using the IC chip 10, the real bank and card, etc., such as the terminal terminal 40, the automation device 60 and the electronic bank organizer 50, etc. An authentication center 240 for issuing, storing, and managing certificates during a financial transaction through an external terminal, and a financial institution host 220 for controlling financial transactions through a plurality of financial institution accounts registered in the IC chip 10. ) And an IC chip management system 230 for managing the issuance of the IC chip 10 and changing registration details.

The financial institution host 220 is connected to an internal network 100 and an external terminal such as an automated terminal 60 such as a teller terminal 40 and a CD machine or an ATM, and an electronic network organizer 50. Control financial transactions through multiple financial institution accounts registered under (10).

The IC chip management system 230 issues an IC chip 10 embedded or external to the smart card 20 and the portable communication terminal 30, and registers a plurality of financings to the issued IC chip 10. Manage institutional account information, card company information, and utility bill payer numbers. In addition, when the loss report of the card 20 and the wireless communication terminal 30 in which the IC chip 10 is embedded or externally controlled, stops the use of all financial institution accounts registered in the IC chip 10.

The integrated financial transaction management method using the integrated financial transaction management system configured as described above will be described with reference to the accompanying drawings.

6 is an overall flowchart of the integrated financial transaction management method according to the present invention.

Referring to FIG. 6, first, an IC in which account information of a financial institution embedded or externally installed in the smart card 20 and the wireless communication terminal 30 is registered in the IC chip management system 230 of the financial institution 200. The chip 10 is issued (S601).

At this time, the new issuance of the IC chip 10 is the same as the real bank account and card issuing process in each conventional financial institution, and instead of issuing the real bank account and card, customer information and account information are converted into IC data type. Issuing the stored IC chip 10 is different. However, when the IC chip 10 is embedded in the card, the customer information and account information are stored in the existing MS track, and the IC chip 10 includes only the software necessary for the customer information and the financial transaction without the account information necessary for the transaction. It is also possible. In this case, the customer may use the existing transaction as before.

Customer information and account information of the issued IC chip 10 are stored and managed in the IC chip management system 230.

Next, an automated device 60 and a utility for storing bills, such as a window terminal 40, a CD machine, an ATM machine, etc., of a branch office connected through a financial institution host 220 and an internal network 100 of each financial institution 200. In step 70, the issued IC chip 10 registers a plurality of financial institution account information, card company information, and utility bill payer number that the customer is trading (S603).

FIG. 7 is a detailed flowchart of a step of registering a plurality of financial institution account information, card company information, and utility bill payer number of FIG. 6.

Referring to FIG. 7, a customer with a smart card 20 having a built-in or an external IC chip 10 and a mobile communication terminal 30 exchanges another financial account with the IC chip 10. If you want to register, the real bank account or card issued according to the other financial account is put into the MS reader unit 43 of the teller terminal 40 and the automation device 60.

The MS reader unit 43 of the teller terminal 40 and the automation device 60 obtains customer information and account information stored in the MS track of the real bank and the inserted card (S701).

The main controller 45, which has received the customer information and the account information stored in the MS track obtained through the MS reader 43, records and stores the customer information and the account information obtained in the MS account storage 46. S703).

When the IC chip 10 issued by the customer is connected to the IC input / output unit 41 and the infrared ray transmitting / receiving unit 42 to obtain customer information and account information registered in the IC chip 10, The main control unit 45 implants the customer information and account information of the MS track recorded and stored in the MS account storage unit 46 into the connected IC chip 10 (S705).

The microprocessor unit 12 of the IC chip 10 which has received the customer information and account information of the real bank account and the card from the MS account storage unit 46 converts the information of the MS data type into the IC data type and stores the account information. It stores in the unit 11 (S707).

When the information is transferred to the IC chip 10 by the registration process as described above, the customer information and account information stored in the existing real bank and card are transferred to the IC chip of the financial institution 200 through the internal network interface 61. The management system 230 is also stored and managed.

In addition, in the case of opening a new account through the branch office terminal 40 of the financial institution 200, the smart card 20 and the mobile communication terminal 30, which are already issued and used without issuing a physical bankbook and a card, are installed. It is also possible to register account information directly on the IC chip 10.

If the reason for the reissuance of the real bank account and the card occurs due to loss or expiration of the expiration date, the automated device 60 hosts the financial institution only for the bank account or the card that does not change the information submitted to the financial institution at the time of initial opening. By receiving the information required for bankbook and card issuance from the customer directly registered in the IC chip 10 possessed by the customer to replace the physical bankbook and card issuance.

On the other hand, registration of the bill payer number and the account number of other financial institutions is different from the storage of MS track information, and the customer directly inputs the bill payer number and other account number through the automation device 60 and the bill acceptor automation device 70. Registration takes place.

Upon completion of registration of a plurality of financial institution account information, card company information and utility bill payer number on the IC chip 10 (S603), the counter terminal 40 and the automation device 60 and the electronic bankbook organizer 50, utility bills The external terminal such as the storage automation device 70 performs various financial transactions according to the situation adjusted by the customer using the respective information registered in the IC chip 10 (S605).

FIG. 8 is a detailed flowchart of a step of performing a financial transaction using the external terminal of FIG. 6, and describes a financial transaction process using the window terminal 40 and the automation device 60 as an example.

Referring to FIG. 8, external terminals such as the counter terminal 40 and the automation device 60 may enter customer information, financial institution account information, and utility bill payer number registered in the connected IC chip 10. It obtains through the output part 41 and the infrared ray transmission / reception part 42 (S801).

Next, the main controller 45 stores the customer information, the financial institution account information, and the utility bill payer number registered in the acquired IC chip 10 in the integrated account financial processor 49 and is registered in the IC chip 10. Several financial institution account information is displayed on the display unit 44 (S803).

If the account number and the necessary transaction contents are selected by the customer among the accounts of the financial institution displayed through the display unit 44 (S805), the financial information is provided through an interface with the corresponding financial institution host 220 of the selected account number. Request a transaction (S807).

In this case, when the selected account number is not the account number of the financial institution that issued the IC chip 10, the financial institution selected through the financial common network 130 or the internet network 120 through the internet interface 62. Request a transaction from the host.

When the financial institution host 220 receives a financial transaction request through the internal network interface 61 of the counter terminal 40 and the automation device 60, the financial terminal 40 confirms that the corresponding financial account is in a transactionable state. And the automation device 60.

When it is confirmed that the corresponding financial account is in a transactionable state (S809), the counter terminal 40, the automation device 60, and the financial institution host 220 may perform a financial transaction requested by the customer through an interface through an internal network 100. Process (S811).

On the other hand, if it is confirmed that the financial account that the financial transaction request is made in a state that can not be traded (S809), the main control unit 45 of the teller terminal 40 and the automation device 60 is not able to make a transaction in the display unit 44 (S813).

When the financial transaction processing requested by the customer is completed, the counter terminal 40 and the automated device 60 store the account information such as the changed financial institution holding balance and transaction details of the customer (S815).

When the financial transaction is completed by the above-described process (S605), the window terminal 40, the automation device 60, the electronic bankbook organizer 50, the utility bill storage automation device 70, respectively, the display unit 44 The changed financial institution holding balance and transaction history of the customer are displayed on (54) and 73, and the changed financial institution holding balance and transaction history are transmitted to the IC chip 10 (S607).

When the changed transaction details are transmitted, the IC chip 10 stores the changed IC data in the account information storage unit 11 (S609).

In this case, when the financial transaction information requested by the customer is a bank account history inquiry and electronic account bookkeeping, the window terminal 40, the automation device 60, the electronic bank account organizer 50 is received from the financial institution host 220 The details are recorded in the account information storage unit 11 via the interface with the IC chip 10, rather than being booked in the conventional physical bankbook. Therefore, the customer can record and keep a record of a plurality of bankbooks within a range that the memory capacity of the IC chip 10 can accommodate.

In addition, when the financial transaction content requested by the customer is a utility bill payment, the utility bill accepting automation device 70 performs a utility bill storage by using the utility bill payer number registered in the IC chip 10, and thus the payment of the payer number by the conventional customer. Utility payment processing can be performed without manual entry. Therefore, the customer does not have to carry the paper for utility bills with only the IC chip 10.

What has been described above is just one embodiment of the integrated financial transaction management system and its management method according to the present invention, anyone who has ordinary knowledge in the field to which the present invention belongs to the scope that various modifications can be made There is a technical spirit of the invention.

As described above, the integrated financial transaction management system and its management method according to the present invention has the following effects.

First, it provides integrated financial transaction services such as deposit and withdrawal, account transfer, cash service, and utility bill payment from several financial institutions with which customers have one card or mobile terminal with IC chip embedded or external. Receipt has the advantage of minimizing the risk of inconvenience and loss due to the storage and possession of multiple bankbooks or cards.

Second, instead of issuing physical accounts and cards with MS tracks with customer and account information, the electronic bankbook function can record and store multiple financial account transactions through an interface with a financial institution host. By using the IC chip that can reduce the manpower and cost of financial institutions due to physical bank account and card issuance.

Third, customers can register and use the financial account number and payer number they need from among the financial institution's account information and utility bill payer's numbers that are on the IC chip installed in the card and mobile communication terminal. There is an advantage that can be provided with transaction services.

Claims (14)

An IC chip (Integrated Circuit Chip) embedded in or external to a card and a wireless communication terminal, and performing various financial transactions by receiving a plurality of financial institution account information, card company information, and utility bill payer number, etc. that the customer deals with; Counter terminal and automation that relays financial transactions such as deposits, withdrawals, bank transfers, and cash services between the IC chip and a financial institution, and registers new account information and bankbook details on the IC chip. device; An electronic passbook organizer for recording and displaying a bankbook record of a financial account registered to the IC chip through a data interface between the IC chip and a financial institution, and for printing the displayed bankbook record to a printer; An automatic utility for storing utility bills through data interface using an internal network and a financial common network between the IC chip and the financial settlement agency; Merchant terminal for performing a credit / debit purchase payment through the card company or debit account information registered in the IC chip; A financial institution host connected to an external network such as the terminal terminal and an automated device, an electronic bankbook organizer, a utility for storing bills, and controlling a financial transaction through a plurality of financial institution accounts registered to the IC chip; And Issuing an IC chip embedded or external to the smart card and the mobile communication terminal, and the IC chip management system for managing a number of financial institution account information, card company information and bill payer number registered in the issued IC chip Integrated financial transaction management system, characterized in that. The method according to claim 1, Integrated chip transaction management system, characterized in that the IC chip between the IC chip and the financial institutions through the Internet network further connected to the PC chip to enable financial transactions, such as account transfer, cash service, electronic money charging, and the like. The method according to claim 1, wherein the IC chip, A contact type IC chip for performing data interface by contact with an external terminal such as the counter terminal and an automation device, an electronic bankbook organizer, a utility for storing bills, an affiliated store terminal, and the like; Integration is characterized in that it is divided into a contactless IC chip that performs data interface through RF (Radio Frequency) or infrared (Infrared) communication with an external terminal, such as the window terminal and the automation device, electronic bank organizer, utility bill automatic storage device, merchant terminal, etc. Financial Transaction Management System. The method according to claim 1 or 3, wherein the IC chip, A microprocessor unit for converting data of the MS (Magnetic Stripe) tracks of a plurality of real banks and cards transmitted from the window terminal and the automation device into an IC type, and controlling and processing data in the IC chip; An account information storage unit for storing data of an MS track converted into an IC type through the microprocessor unit and account information according to a financial transaction transmitted from the financial institution host; A chip operating system managing all application programs in the IC chip; An interface unit for performing a data interface with an external terminal such as the counter terminal and an automatic device, an electronic bankbook organizer, an automatic utility for storing bills, and an affiliated store terminal; And An integrated financial transaction management system comprising an RF communication unit for performing data interface by RF communication with an external terminal such as the window terminal, an automatic device, an electronic bankbook organizer, a utility for storing bills, and a merchant terminal. The method according to claim 1, The window terminal and the automated device, An IC input / output unit and an infrared ray transmitting / receiving unit for acquiring customer information and financial institution account information stored in the IC chip, and transmitting changes of each financial account to the IC chip; An MS reader unit for acquiring customer information and account information stored in the MS track of the real bank and card; An MS account storage unit for storing customer information and account information of the MS track of the real bank account and the card obtained from the MS reader unit and transplanting them into the IC chip; An input / output transaction unit that performs financial transactions such as input / output, account transfer, and cash service of the transaction account obtained from the IC input / output unit, infrared ray transmission / reception unit, and MS reader unit; An electronic passbook processing unit for controlling, storing, inquiring, and printing a bankbook record according to a financial transaction of each account stored in the IC chip obtained from the IC input / output unit and the infrared transmitting / receiving unit; An internal network interface unit accessing an internal network of a financial institution to interface with a financial institution according to each financial transaction; A display unit which displays all the financial transaction process and the MS information transplant process by the above configurations; And Integrated financial transaction management system characterized in that the main control unit for controlling the entire operation process required for each component for performing the financial transaction using the IC chip, and controls the necessary operation according to the situation adjusted by the customer. The method according to claim 1, wherein the electronic passbook organizer, An IC input / output unit and an infrared ray transmitting / receiving unit for acquiring customer information and financial institution account information stored in the IC chip, and transmitting changes of each financial account to the IC chip; An MS reader unit for acquiring customer information and account information stored in the MS track of the real bank and card; An internal network interface unit accessing an internal network of a financial institution for interfacing with a financial institution required for inquiry of a bank book history of each account; A display unit for displaying a bank book history according to a financial transaction of each account stored in the IC chip; And The entire operation process required for each component is controlled to store, inquire, and print the bank account information according to the financial transaction of each account obtained through the IC input / output unit, infrared transmission / reception unit, and MS reader unit. Integrated financial transaction management system, characterized in that the electronic bank account control unit for controlling the necessary operation according to the adjusted situation. The method of claim 1, wherein the utility bill automatic storage device, An IC input / output unit and an infrared ray transmitting / receiving unit for acquiring a utility bill payer number and information on a giro user organ registered in the IC chip; A network interface unit connected to the financial common network for interfacing with the KFTC required for utility bill storage; A display unit for displaying the utility bill payer number obtained from the IC chip and the gross use institution, the bill payment history of the customer provided by the KFTC, and the entire operation process required for storing the bill; MS reader unit for obtaining information stored in the MS track of the credit card, debit card, cash card required for billing payment according to the bill payment history of the customer provided by the KFTC; And Integrated billing transaction control system characterized in that it is provided with a billing control unit for controlling the entire operation process required for each component for the billing transaction of the customer, and controls the necessary operation according to the situation adjusted by the customer. The method according to claim 1, wherein the IC chip management system, The integrated financial transaction management system, characterized in that for controlling the termination of use of all the financial institution accounts registered in the IC chip when the loss report of the card and the wireless communication terminal with the IC chip embedded or external. The terminal of claim 5 or 6, wherein an external terminal such as a window terminal, an automatic device, an electronic bankbook organizer, Integrated financial transaction management system, characterized in that the Internet interface for the further connection to perform the financial business on the Internet. Issuing an IC chip in which the account information of a financial institution embedded or external to the card and the wireless communication terminal is registered in the IC chip management system; Registering a plurality of financial institution account information, card company information, and utility bill payer number that the customer is trading in the IC chip issued by the counter terminal and the automation device; According to the situation adjusted by the customer by using the account information, card company information, and bill payer number, which are registered on the IC chip in the external terminal such as the counter terminal and the automation device, the electronic bank account organizer, and the utility bill payment automation device, etc. Performing a transaction; Displaying the changed financial institution account information of the customer on the display unit and transmitting the changed financial institution account information to the IC chip when the financial transaction is completed; And And storing the changed IC data in the IC chip when the changed account information is transmitted. The method of claim 10, wherein the registering of the account information of the plurality of financial institutions with which the customer is trading in the IC chip is performed at the teller terminal and the automation device. Acquiring customer information and account information stored in the MS track of the real bank and card through the MS reader; Recording and storing customer information and account information stored in the obtained MS track in an MS account storage unit; Implanting customer information and account information stored in the MS account storage unit into an IC chip issued through the IC chip management system and currently connected to an IC input / output unit and an infrared transmitting / receiving unit; And The IC chip receiving the customer information and the account information comprises converting the MS data into IC data and storing the account information in the account information storage unit. The method of claim 10, wherein the step of performing a financial transaction in accordance with the situation adjusted by the customer in the external terminal, Acquiring customer information, financial institution account information, and utility bill payer number registered in the IC chip connected to the external terminal through the IC input / output unit and the infrared transmitting / receiving unit; Storing customer information, financial institution account information, and utility bill payer number registered in the obtained IC chip, and displaying a plurality of financial institution account information registered in the IC chip on a display unit; Requesting a financial transaction through an interface with a corresponding financial institution host of the selected account number when a desired account number and necessary transaction contents are selected by a customer among the displayed financial institution accounts; Processing the financial transaction requested by the customer when it is confirmed that the financial transaction requested through the financial institution host is in a transactionable state; And storing the changed financial institution account information of the customer when the financial transaction processing is completed. The method of claim 11, wherein when a new real bank account MS data, a bill payer number, and the like are registered on the IC chip, a process of registering a financial institution account number and a payer number registered on the IC chip through an interface with an IC chip management system is performed. Integrated financial transaction management method characterized in that it further comprises. The method of claim 12, wherein in the process of requesting a financial transaction through an interface with a corresponding financial institution host of the selected account number, If the selected account number is not the account number of the financial institution that issued the IC chip, the integrated financial transaction management method characterized in that for requesting a transaction to the selected financial institution host via the financial common or internet network through the Internet interface unit. .