KR20060103796A - System and method for approving transaction, server for approving transaction and recording medium - Google Patents

Abstract

The present invention relates to a transaction approval method and system, and a server and a recording medium therefor.

The transaction approval system performs a predetermined product (or content) transaction with the first customer terminal, and requests the second customer terminal associated with the first customer to approve the transaction of the product (or content) of the first customer terminal. . In addition, receiving the approval information for the product (or content) transaction of the first customer terminal from the second customer terminal, based on the approval information transmitted from the second customer terminal product (or the first customer terminal) Content) to approve the transaction.

As a result, when the first customer is a minor child and the second customer is a parent, the parent may block the child's access to harmful sites and use of the content, and the existing phishing, pharming, In addition, personal information leakage through keyboard hacking and the like can be blocked more safely and efficiently.

Customer, approval, deal

Description

 System and Method for Approving Transaction, Server for Approving Transaction and Recording Medium}

1 is a view showing a schematic configuration of a preferred transaction approval system according to the present invention.

2 is a view showing the configuration of a preferred storage medium according to the present invention.

3 is a simplified illustration of first customer identifier information in accordance with a preferred embodiment of the present invention.

Figure 4 is a simplified illustration of the second customer terminal information in accordance with a preferred embodiment of the present invention.

5 is a simplified illustration of approval information according to a preferred embodiment of the present invention.

6 is a simple conceptual diagram of a process of approving a transaction of a product (or content) of a first customer according to a preferred embodiment of the present invention.

7 is a simple conceptual diagram of a process of approving a product (or content) transaction of a first customer including a relay server according to a preferred embodiment of the present invention.

8 is a simple conceptual diagram of a process for approving a product (or content) transaction of a first customer according to another preferred embodiment of the present invention.

9 is a simple conceptual diagram of a process of approving a product (or content) transaction of a first customer including a relay server according to another preferred embodiment of the present invention.

10 is a block diagram of a transaction approval system according to a preferred embodiment of the present invention.

11 is a simplified configuration diagram of a second customer terminal according to a preferred embodiment of the present invention.

12 is a simplified flowchart of a transaction approval process of a first customer according to a preferred embodiment of the present invention.

Figure 13 is a simple flowchart of a transaction approval process of a first customer according to a preferred embodiment of the present invention.

14 is a simple flowchart of a customer authentication process according to a preferred embodiment of the present invention.

15 is a simple conceptual diagram of a transaction approval process of a first customer according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: transaction approval system 105: product (or content) trading means

110: information storage means 115: approval request means

120: information receiving means 125: payment processing means

130: storage medium 135: the first customer terminal

140: second customer terminal

The present invention, when performing a predetermined product (or content) transaction with the first customer terminal, requests the second customer terminal associated with the first customer approval of the product (or content) transaction of the first customer terminal, Receive the approval information for the product (or content) transaction of the first customer terminal from the second customer terminal, and deals with the product (or content) of the first customer terminal based on the approval information transmitted from the second customer terminal The present invention relates to a method and a system for approving a transaction.

As the Internet infrastructure and financial transaction infrastructure evolved, user authentication became very important for website access and financial transactions.

In particular, the importance of customer authentication cannot be overlooked in recent years, as adult certification has not been properly performed, or indiscriminate financial transactions and access to harmful sites of minor children who have not obtained parental consent have become a social issue. It became.

In addition, phishing or stealing domains of users who have been legally owned by extracting individual's authentication number, credit card number, and account information through e-mails sent from websites such as financial institutions, etc. Or trick users into misleading domain name system (DNS) names, pharming to steal personal information such as personal IDs, passwords, and account information, or keystroke information entered from user keyboards (e.g., As keyboard hacking to hack personal IDs, passwords, account information, etc. has become a problem, more secure and efficient user authentication problems have emerged.

In addition, since a plurality of authentication information (for example, ID and password, etc.) required for login or financial transaction does not exist in general, when a user is leaked to another person through hacking or the like, the user has to bear the damage.

An object of the present invention is derived to solve the above problems, when performing a predetermined product (or content) transaction with the first customer terminal, the first customer to the second customer terminal associated with the first customer Request approval of a transaction of a product (or content) of the terminal, receive approval information on the transaction of a product (or content) of the first customer terminal from the second customer terminal, and receive the approval information transmitted from the second customer terminal. The present invention provides a transaction approval method and system for approving a product (or content) transaction of the first customer terminal.

The transaction approval method proposed to achieve the above object includes a product (or content) transaction step of performing a predetermined product (or content) transaction with a first customer terminal in a predetermined product (or content) transaction means; A transaction approval request step of requesting approval of the transaction of goods (or contents) of the first customer terminal from the approval request means to the second customer terminal; and receiving predetermined approval information from the second customer terminal at a predetermined information receiving means. And a transaction approval step of approving a product (or content) transaction of the first customer terminal on the basis of the information receiving step and the approval information received by the predetermined transaction approval means.

The present invention also provides an information storage step of linking the second customer terminal information and the first customer identifier information in a predetermined information storage means and storing the information in a predetermined storage medium and from the storage medium in a predetermined information reading means. The method may further include reading the second customer terminal information linked to the first customer information.

According to the present invention, in response to approval of a transaction of a product (or content) of the first customer terminal, the approval information transmitted from the second customer terminal includes predetermined authentication certificate information provided in the second customer terminal and Certificate password information, the second customer ID information, password information, the second customer personal information, the second customer biometric information, the second customer communication means information, the second customer payment Means information, payment means password information, the second customer account information, password information corresponding to the second customer account, account transfer password information corresponding to the second customer account, and the second customer terminal. At least one information (or data) included in the provided IC chip, the IC chip specific information provided in the second customer terminal, and predetermined authentication key data provided in the second customer terminal may be included.

In addition, the approval information is characterized by comprising a one-time approval information.

In addition, the present invention, when the approval information received from the second customer terminal includes the information of the second customer terminal payment means, the small payment processing means corresponding to the product (or content) transaction of the first customer terminal It may further comprise a payment processing step of processing the payment processing using the second customer payment means.

According to the present invention, a product (or content) transaction step of performing a predetermined product (or content) transaction with the first customer terminal in the predetermined product (or content) transaction means, the predetermined product from the first customer terminal 1 may further include receiving customer identifier information.

In addition, the transaction approval request step of requesting approval of the transaction of goods (or contents) of the first customer terminal from the predetermined approval request means to the second customer terminal, transmits predetermined transaction approval request information to the second customer terminal. At the time, a predetermined callback UEL for receiving transaction approval information may be attached and transmitted.

Further, in the information receiving step of receiving the predetermined approval information from the second customer terminal in the predetermined information receiving means, when the information receiving means is located in a server or relay server associated with a communication company server, a communication company server, The received approval information may be transmitted to the transaction approval means.

The information receiving step of receiving predetermined approval information from the second customer terminal in the predetermined information receiving means may include transmitting the received approval information to the first customer terminal, so that the approval information is the first customer. The method may further include temporarily storing the terminal.

The product (or content) transaction according to the present invention preferably comprises a financial product transaction.

On the other hand, the present invention is characterized by comprising a recording medium on which a predetermined program for executing at least one or more transaction approval methods described above is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred transaction approval system 100 according to the present invention.

Referring to FIG. 1, the transaction approval system 100 performs a predetermined product (or content) transaction with a first customer terminal 135 connected through a network, and deals with a product (or content) of the first customer. It is characterized in that for requesting the transaction approval to the terminal 140 of the second customer associated with the first customer information.

The transaction approval system 100 receives predetermined approval information 210 for a product (or content) transaction of the first customer from the second customer terminal 140 and receives the received approval information 210. Approving a product (or content) transaction of the first customer terminal 135 on the basis of.

Preferably, the approval information 210 received from the second customer terminal 140 is provided in the second customer terminal 140, and / or is input through the second customer terminal 140 (or Extracted), for example, the approval information 21 may include predetermined official certificate information, official certificate password information, and the second customer ID provided in the second customer terminal 140. Information, password information, the second customer personal information, the second customer biometric information, the second customer communication means information, the second customer payment means information, payment means password information, and the second Customer account information, password information corresponding to the second customer account, account transfer password information corresponding to the second customer account, and information included in the IC chip provided in the second customer terminal 140 (or Data) and IC chip specific information provided in the second customer terminal 140. And at least one predetermined authentication key data provided in the second customer terminal 140.

Preferably, the first customer terminal 135 connecting to the transaction approval system 100 through a network includes at least one wired terminal including a computer, an information processor (or KIOSK), an ATM, an ATM, and a payment terminal. Terminals (or devices) included above, home appliances equipped with communication functions such as televisions, refrigerators, microwave ovens, audio, exercise equipments equipped with communication functions, wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, At least one wired telephone and at least one RFID terminal may be included.

In addition, the second customer terminal 140 for transmitting the transaction approval information for the customer (or content) transaction of the customer to the transaction approval system 100, a wireless terminal such as a mobile phone, PDA, portable Internet phone, telematics, Wired telephones, wired terminals including computers, terminals (or devices) including at least one information processor (or KIOSK), cash dispenser, cash dispenser, and payment terminal, television, refrigerator, microwave oven, audio, etc. The electronic device may include at least one home appliance having a function, an exercise device having a communication function, and at least one RFID terminal.

Referring to FIG. 1, the transaction approval system 100 may include at least one or more functional means for performing a transaction approval process for a transaction of a product (or content) of the first customer as described above. The means may be provided in a single server or in a plurality of servers (or terminals) in the transaction approval system 100.

In more detail, the transaction approval system 100 includes a product (or content) transaction means 105 for performing a predetermined product (or content) transaction with the first customer terminal 135, and the second customer terminal 140. Receipt request means 115 for requesting the approval of the product (or content) transaction of the first customer terminal 135, and the second customer terminal 140 when receiving the approval information 210, information received to receive this It characterized in that it comprises a means 120.

In particular, the product (or content) trading means 105 approves the transaction of the product (or content) of the first customer terminal 135 based on the approval information 210 transmitted from the second customer terminal 140. Characterized in that.

Here, the approval information 210 received by the information receiving means 120 from the second customer terminal 140, the predetermined authentication certificate information provided in the second customer terminal 140, the official certificate password information and The second customer ID information, password information, the second customer personal information, the second customer biometric information, the second customer communication means information, the second customer payment means information, Payment means password information, the second customer account information, password information corresponding to the second customer account, account transfer password information corresponding to the second customer account, and the second customer terminal 140 At least one information (or data) included in the integrated IC chip, IC chip specific information provided in the second customer terminal 140, and predetermined authentication key data provided in the second customer terminal 140. It may include.

Preferably, the illustrated transaction approval system 100, the information storage means 110 for storing the information stored in a predetermined storage medium 130 by linking the second customer terminal information 205 and the first customer identifier information. The approval request unit 115 may read the second customer terminal information 205 associated with the first customer information from the storage medium 130 to the second customer terminal. Characterized in (140) for requesting the transaction approval of goods (or content) of the first customer terminal 135.

Here, the approval request means 115, when transmitting the predetermined transaction approval request information to the second customer terminal 140, may be attached with a predetermined callback UEL for receiving the transaction approval information.

In addition, the information receiving means 120 may be located in a communication server or a server associated with a communication server or a relay server, the approval information 210 transmitted from the second customer terminal 140 to the product (or Contents) to the transaction means 105.

In addition, the information receiving means 120 transmits the approval information 210 transmitted from the second customer terminal 140 to the first customer terminal 135, so that the approval information 210 is the first It is characterized in that the temporary storage in the customer terminal (135).

According to a preferred embodiment, the product (or content) trading means 105 may receive predetermined first customer identifier information 200 from the first customer terminal 135, the first customer identifier information The ID 200 may include ID and ID information, password information, and customer communication means information (eg, a customer phone number, a mobile phone number, and an e-mail), which are granted and / or authorized from the transaction approval system 100. Information or the like).

In addition, the transaction approval system 100, when the approval information 210 transmitted from the second customer terminal 140 includes the payment means information of the second customer terminal 140, the first customer terminal 135 It further comprises a payment processing means 125 for processing the payment processing corresponding to the product (or content) transaction of the second customer payment means.

On the other hand, the transaction approval system 100 is connected to the first customer terminal 135 via the network 1, and also connected to the second customer terminal 140 via the network (2). Here, the network 1 and the network 2 may be networks having the same and / or different connection environments.

In addition, the network 1 may be selected depending on the customer first terminal 135, the first customer terminal 135, a wired terminal including a computer, an information processor (or KIOSK), cash dispenser, cash A terminal (or device) including at least one deposit and withdrawal machine and a payment terminal, home appliances equipped with communication functions such as televisions, refrigerators, microwave ovens, audio, exercise equipments equipped with communication functions, mobile phones, PDAs, and the Internet The mobile terminal may include at least one of a wireless terminal such as a phone and a telematics, a wired telephone, and an RFID terminal.

The network 2 may be selected depending on the second customer terminal 140, and the second customer terminal 140 includes a wireless terminal such as a mobile phone, a PDA, a mobile internet phone, and telematics, a wired telephone, and a computer. A wired terminal, a terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and a home appliance equipped with a communication function such as a television, a refrigerator, a microwave oven, and an audio device. It may be made by including at least one exercise device with a communication function, and at least one RFID terminal.

Referring to FIG. 1, the transaction approval system 100 may interwork with a predetermined storage medium 130 for performing a predetermined authentication process for a connected customer, wherein the storage medium 130 may approve a transaction. The system 100 may be provided in the form of a database or a database server, and / or may be connected to the transaction approval system 100 through a predetermined network.

In addition, the storage medium 130 stores a variety of information for the transaction approval system 100 to perform an authentication process for a first customer requesting a transaction of the product (or content), where the storage medium 130 is stored. ) And the information stored in the storage medium 130 will be described in more detail with reference to FIGS. 2 to 5 below.

2 is a diagram showing the configuration of a preferred storage medium 130 according to the present invention.

Referring to FIG. 2, the storage medium 130 includes at least one customer information (eg, customer information 1, customer information 2,..., Customer information N). The information may include identifier information 200 for the first customer in order to smoothly perform a transaction approval process for a product (or content) transaction of the first customer connected to the transaction approval system 100 shown in the above-described drawing. ) And the second customer terminal 140 information 205 and the approval information 210.

Here, at least one or more customer information stored in the storage medium 130, the first customer identifier information 200 associated with the customer information, the second customer terminal 140 information 205 and authorization information 210 ) Is stored before the transaction approval processing operation is performed for the first customer who accesses the transaction approval system 100 and requests a product (or content) transaction according to the present invention, and then the first customer. In the transaction approval system 100 and / or at the time of the transaction, it is preferable that the transaction approval system 100 is referred to when the second customer's approval processing operation is performed for the predetermined transaction of the first customer.

3 to 5, the first customer identifier information 200, the second customer terminal 140 information 205, and the approval information 210 are stored in association with the customer information in the storage medium 130. ) Is an example diagram.

3 is a simplified illustration of first customer identifier information 200 according to a preferred embodiment of the present invention.

 Referring to FIG. 3, the first customer identifier information 200 includes the first customer when a customer who accesses the transaction approval system 100 through a predetermined terminal 135 deals with a predetermined product (or content). Predetermined customer identification information input or selected through the terminal 135 and transmitted to the transaction approval system 100, the first customer accessing the transaction approval system 100 to request a product (or content) transaction. It may be referred to the first authentication for the first, and may also be the second customer terminal information extraction information for extracting the terminal information 205 of the second customer that performs the transaction approval of the first customer from the storage medium 130. have.

Preferably, the first customer identifier information 200 includes ID and / or authorized ID information, password information, customer personal information (eg, social security number, Insurance number, driver's license number, homepage information, etc., customer biometric information (e.g. fingerprint, iris, back of hand, vein, face, voice, etc.), customer communication information (e.g., customer phone number, mobile phone number, e-mail) Information, etc.) and at least one publicly available certificate information.

Figure 4 is a simplified illustration of the second customer terminal information 205 in accordance with a preferred embodiment of the present invention.

The second customer terminal information 205 stored in the storage medium 130 is approved in the process of performing a product (or content) transaction of the first customer connected to the transaction approval system 100 according to the present invention. Customer telephone number as information stored in the terminal 140 of the second customer associated with the first customer in order for the system 100 to obtain a predetermined approval for the transaction of the product (or content) of the first customer. , Mobile phone number, mobile access terminal number, e-mail, subscriber identification number, mobile IP, unique IP and the like.

For example, when the second customer terminal 140 is a customer mobile phone, the second customer terminal information 205 may be the mobile phone number. In this case, the transaction approval system 100 may be presented in FIG. The mobile phone number corresponding to the first customer identifier information may be extracted, and a message for requesting approval of a product (or content) transaction of the first customer may be transmitted to the mobile phone by referring to the mobile phone number.

According to another preferred method, the second customer terminal information 205 is used as the first customer identifier information from the first customer connected to the transaction approval system 100, the second customer terminal information 205 is used. In this case, as shown in FIG. 2, the storage medium 130 may not be present.

5 is a simplified illustration of approval information 210 in accordance with a preferred embodiment of the present invention.

Referring to FIG. 5, the illustrated approval information is performed to provide transaction approval information of a second customer to a first customer who accesses the transaction approval system 100 and performs a predetermined product (or content) transaction. As information required in the process, it is preferably stored in the memory and / or IC chip of the second customer terminal 140 in addition to the storage medium 130.

According to a preferred embodiment, the approval information 210, ID (ID) information, password information, customer personal information, customer biometric information, customer communication means information, public certificate information, public certificate authentication password and And payment means information, payment means password information, customer account information, password information corresponding to the customer account, account transfer password information corresponding to the customer account, and the IC chip included in the second terminal of the customer Information (or data), authorized certificate information included in the IC chip provided in the second customer terminal 140, IC chip unique information provided in the second customer terminal 140, and the second customer terminal. At least one predetermined authentication key data included in the 140 may be included.

In addition, the approval information 210 stored in the second customer terminal 140 is transmitted to the transaction approval system 100 from the second customer terminal 140 at the request of the transaction approval system 100, The transaction approval system 100 compares the approval information 210 pre-stored in the storage medium 130 with the approval information transmitted from the second client terminal 140. ) Allow the transaction to be approved.

6 is a simple conceptual diagram of a process of approving a transaction of a product (or content) of a first customer according to a preferred embodiment of the present invention.

Referring to FIG. 6, the process of approving a product (or content) transaction of a first customer according to a preferred embodiment includes a transaction approval system 100 (or a server), a storage medium 130, and a first customer terminal 135. ) And a second customer terminal 140, wherein the first customer accesses the transaction approval system 100 (or a server) through the first customer terminal 135, and receives a product (or content). A) requesting a transaction and providing first customer identifier information 200 for extracting information of the second customer terminal 140.

First, in order to perform a transaction for approval of a product (or content) of a first customer according to the present invention, the second customer and / or the first customer may be connected to the transaction approval system 100 (or server) of the first customer. The first customer identifier information, the second customer terminal 140 information, and the approval information required for the transaction approval process are registered (1), and the transaction approval system 100 (or the server) is stored in the storage medium 130. It is preferable to store the first customer identifier information provided by the first customer and / or the second customer, the second customer terminal 140 information, the approval information, and the first customer information in association with each other (2).

Thereafter, the first customer accesses the transaction approval system 100 (or the server) through a predetermined terminal (eg, the first customer terminal 135) and requests a transaction for a predetermined product (or content). In order to obtain approval for the transaction from the second customer, the first customer identifier information 200 associated with the second customer terminal 140 information is provided to the transaction approval system 100 (or server). (3), the transaction approval system 100 extracts the second customer terminal information 205 corresponding to the first customer identifier information 200 provided from the first customer terminal 135 from the storage medium 130. (4).

In addition, the transaction approval system 100 (or the server) refers to the extracted second customer terminal information 205, and the approval required for the transaction approval of the first customer to the second customer terminal 140. Request information 210 (5). At this time, the second customer inputs and / or extracts the approval information 210 corresponding to the customer approval information request information received by the second customer terminal 140 from the second customer terminal 140 (6). In step 7, the input and / or extracted approval information 210 is transmitted to the transaction approval system 100 (or a server) through the second customer terminal 140.

Then, the transaction approval system 100 (or server) by comparing the approval information 210 transmitted from the second customer terminal 140 and the approval information 210 previously stored in the storage medium 130, By performing the approval process for the transaction requested from the first customer (8), and transmitting the details of the approval process to the first customer terminal 135 and / or the second customer terminal 140, Initiate a transaction of a product (or content) of the first customer (9).

7 is a simple conceptual diagram of a process for approving a product (or content) transaction of a first customer including a relay server according to a preferred embodiment of the present invention.

Referring to FIG. 7, the process of approving the transaction of a product (or content) of the first customer, which is illustrated in FIG. It may be implemented through the customer terminal 135 and the second customer terminal 140, the first customer is connected to the server for trading the goods (or content), the transaction approval system 100 (or relay server or The telecommunication company server may perform an approval process for trading a product (or content) of the first customer accessing the server.

In particular, the transaction approval system 100 (or relay server or carrier server) obtains the transaction approval information for the transaction of the first customer from the second customer terminal 140, the product of the first customer (or Content) to perform an approval process for the transaction.

Here, the server may be a web server on the Internet, a product (or content) providing server, etc. to be accessed by the first customer, the transaction approval system 100 is a product of the first customer to access the server ( Or a relay server (or a carrier server) that acts on behalf of and / or relays the approval process for the content) transaction.

As shown in FIG. 6, in order to perform the transaction (or content) approval process of the first customer, the first customer and / or the second customer are the transaction approval system 100 (or a relay server or a carrier server). Register the first customer identifier information 200, the second customer terminal information 205, and the approval information 210 required by the first customer authentication process (1), and the transaction approval system (100). (Or server or carrier server) is the first customer identifier information 200 provided by the second customer and / or the first customer to the storage medium 130, the second customer terminal information 205, the approval information Reference information 210 is stored in association with the first customer information (2).

Thereafter, the first customer accesses a predetermined server (eg, a web server on the Internet, a product (or content) providing server, etc.) using a predetermined terminal (eg, the first customer terminal 135), In a transaction process for a product (or content), the first customer identifier information 200 is provided to the server (3), and the server provides the first customer identifier information 200 provided from the first customer terminal 135. ) Is provided to the transaction approval system 100 (or a relay server or a communication company server), and requests approval processing for a product (or content) transaction of the connected first customer (4).

The transaction approval system 100 (or a relay server or a communication company server) reads the second customer terminal information 205 corresponding to the first customer identifier information 200 provided from the server according to the authentication processing request of the server. Extracting from the storage medium 130 (5), with reference to the extracted second customer terminal information 205, the second customer terminal 140 to the approval information required for the transaction approval of the first customer Request (6).

When the approval information request message is transmitted from the transaction approval system 100 (or a relay server or a communication company server) to the second customer terminal 140, the second customer is received by the second customer terminal 140. The input and / or extracted approval information 210 corresponding to the transaction approval request information of the customer from the second customer terminal 140 (7), the input and / or extracted approval information 210 to the second It transmits to the transaction approval system 100 (or a relay server or a communication company server) through the customer terminal 140 (8).

Then, the transaction approval system 100 (or the relay server or the carrier server) is the approval information 210 transmitted from the second customer terminal 140 and the approval information 210 previously stored in the storage medium 130. By comparing the (1), and performs the approval process for the product (or content) transaction of the first customer (9), and transmits the details of the approval process to the server that the first customer is connected (request to trade goods) (10)

The server transmits the transaction approval processing history provided by the transaction approval system 100 (or the relay server or the communication company server) to the first customer terminal 135 and / or the second customer terminal 140, thereby providing 1 The customer (or content) trading operation to start (11).

8 is a simple conceptual diagram of a process of approving a transaction of a product (or content) of a first customer according to another preferred embodiment of the present invention.

The approval process of the first customer's product (or content) transaction shown in FIG. 8 includes a transaction approval system 100 (or a server), a storage medium 130, a first customer terminal 135 and a second customer terminal. 140, the first customer accesses the transaction approval system 100 (or the server) through the first customer terminal 135, and requests a product (or content) transaction. Characterized by providing the second customer terminal 140 information for the approval process for the transaction.

Preferably, in order to perform the approval process of the goods (or contents) of the first customer shown in FIG. 8, the second customer and / or the first customer may be connected to the transaction approval system 100 (or server). Registering the approval information 120 required for the approval process for the customer (or content) transaction of the customer (1), the transaction approval system 100 (or server) is stored in the storage medium 130 and the second customer and And / or storing the approval information 210 provided by the first customer in association with the first customer information (2).

Thereafter, the first customer accesses the transaction approval system 100 (or the server) through a predetermined terminal (eg, the first customer terminal 135) to approve a transaction for a predetermined product (or content). Provide the second customer terminal information 205 storing the required approval information 210 to the transaction approval system 100 (or server) (3), and the transaction approval system 100 (or server) Referring to the second customer terminal information 205 provided from the first customer terminal 135, the second customer terminal 140 requests the approval information 210 required for the transaction approval of the first customer (4). ).

In this case, the second customer inputs and / or receives approval information 210 corresponding to the transaction approval request information of the first customer received from the second customer terminal 140 from the second customer terminal 140. By extracting (5), the input and / or extracted approval information 210 is transmitted to the transaction approval system 100 (or server) through the second customer terminal 140 (6).

Then, the transaction approval system 100 (or server) by comparing the approval information 210 transmitted from the second customer terminal 140 and the approval information 210 previously stored in the storage medium 130, By performing a transaction approval process for the transaction of the first customer (7), and transmitting the details of the transaction approval process to the first customer terminal 135 and / or the second customer terminal 140, In operation 8, a product (or content) transaction operation of the first customer connected through the first customer terminal 135 may be started.

9 is a simplified conceptual diagram of a process for approving a product (or content) transaction of a first customer including a relay server according to another preferred embodiment of the present invention.

Referring to FIG. 9, the process of approving a product (or content) transaction of the first customer illustrated in FIG. 9 includes a transaction approval system 100 (or a relay server or a communication company server), a storage medium 130, a server, and a first It may be carried out through the customer terminal 135 and the second customer terminal 140, the first customer is connected to the server through the first customer terminal 135 for the product (or content) transaction, The transaction approval system 100 may perform an approval process for a transaction of a first customer accessing the server.

As shown in FIG. 7, the server to which the first customer accesses through the first terminal 135 may be a web server or a product (or content) providing server on the Internet, and the transaction approval system 100. May be a relay server (or a telecommunication company server) that substitutes and / or relays transaction approval processing for the first customer who accesses the server and performs a predetermined transaction.

In order to perform the approval process of the goods (or contents) of the first customer shown in FIG. 9, the second customer and / or the first customer may be provided to the transaction approval system 100 (or the relay server or the carrier server). 1 register the approval information 210 required for the transaction approval process of the customer (1), the transaction approval system 100 (or server or carrier server) is stored in the storage medium 135 and the second customer and / or 1 store the approval information provided by the customer in association with the first customer information (2).

Subsequently, in the process of the first customer accessing a predetermined server (eg, a web server on the Internet, a product (or content) providing server, etc.) using a predetermined terminal (eg, the first customer terminal 135). The first customer provides the second customer terminal information 205 in which the authorization information 210 required for the transaction approval process is stored (3), and the server is provided from the first customer terminal 135. The second customer terminal information 205 is provided to the transaction approval system 100 (or a relay server or a communication company server) to request approval processing for the transaction of the connected first customer (4).

The transaction approval system 100 (or a relay server or a communication company server) refers to the second customer terminal information 205 provided from the server in response to a request for approval processing of the server, to the second customer terminal 140. Request approval information 210 required for the transaction approval processing of the first customer (5).

Preferably, when the transaction approval information request message of the first customer is transmitted from the transaction approval system 100 (or a relay server or a communication company server) to the second customer terminal 140, the second customer is the second customer terminal. Approval information 210 corresponding to the first customer transaction approval request information received at 140 is input and / or extracted from the second customer terminal 140 (6), and the input and / or extracted approval information 210 is transmitted to the transaction approval system 100 (or a relay server or a communication company server) through the second customer terminal 140 (7).

Then, the transaction approval system 100 (or relay server or communication company server) is the approval information 210 transmitted from the second customer terminal 140 and the approval information 210 previously stored in the storage medium 135 By comparing the transaction, and performs a transaction approval process for the transaction of the first customer (8), and transmits the details of the transaction approval process to the server connected to the first customer through the first terminal 135 (9).

The server transmits the transaction approval processing history provided by the transaction approval system 100 (or the relay server or the communication company server) to the first customer terminal 135 and / or the second customer terminal 140, thereby providing 1 to perform a transaction with the customer (10).

10 is a block diagram of a transaction approval system 100 according to a preferred embodiment of the present invention.

FIG. 10 is a transaction approval server 1000 including at least one or more functional means included in the transaction approval system 100 shown in FIG. 1, and a first client terminal connected to the transaction approval server 1000. 135 (eg, a personal computer) and a second customer terminal 140 storing the approval information 210 provided to the transaction approval server 1000 according to the request for approval information of the transaction approval server 1000 ( For example, a wireless terminal or the like) is shown.

According to FIG. 10, the illustrated transaction approval system 100 connects to the server 1000, provides predetermined first customer identifier information 200, and performs a predetermined product (or content) transaction. After receiving the customer terminal 135 and the customer identifier information 200 and extracting the second customer terminal information 205 associated with the customer identifier information 200 from a predetermined storage medium 130, the Receives the server 1000 and the transaction approval request information transmitted from the server 1000 to request the second customer terminal 140 to approve the goods (or content) transaction of the first customer terminal 135, the transaction The second customer terminal 140 transmits predetermined approval information 210 to the server 1000 (or a relay server) in response to the approval request information.

Here, the server 1000 directly receives the approval information 210 transmitted from the second customer terminal 140 or after receiving it through the relay server, based on the approval information 210. 1, characterized in that to approve the transaction of goods (or content) of the customer terminal 135, the Internet website server, Internet banking server, telecommunication company server, financial company server, VAN company server, PG company server, associated with the servers It may include at least one server on the network, it may be made of a single server or a combination of a plurality of servers (or terminals).

Preferably, the server 1000, when the second customer payment means information is included in the approval information 210 transmitted from the second customer terminal 140, the product of the first customer terminal 135 ( Or contents) a payment process corresponding to the transaction using the second customer payment means.

In addition, the server 1000, when transmitting the predetermined transaction approval request information to the second customer terminal 140, characterized in that for transmitting the predetermined callback UEL for receiving the transaction approval information.

In particular, when the server 1000 transmits the transaction approval information request information of the first customer to the second customer terminal 140, the server 1000 may provide predetermined access information for receiving the approval information 210. The terminal 140 may further transmit.

For example, when the server 1000 transmits the transaction approval information request information of the first customer to the second customer terminal 140, the server 1000 attaches and sends a predetermined callback URL for receiving the approval information. Can be.

More specifically, referring to FIG. 10, the server 1000 includes an interface unit 1005, a product (or content) transaction unit 1010, an extraction unit 1020, and a transaction approval request unit 1015. And a receiving unit 1025 and a transaction approval unit 1030.

According to the present invention, the interface unit 1005 receives the customer identifier information 200 from the first customer terminal 135 at the time of connection of the first customer terminal 135 for the purpose of trading a product (or content). Receive.

The product (or content) transaction unit 1010 performs a predetermined product (or content) transaction with the first customer terminal 135 connected for the product (or content) transaction.

The extraction unit 1020 stores the second customer terminal information 205 associated with the customer identifier information 200 received by the interface unit 1005 from the first customer terminal 135 in a predetermined storage medium 130. ).

The transaction approval request unit 1015 extracts the second customer terminal information 205 associated with the customer identifier information 200 through the extractor 1020, and then extracts the extracted second customer terminal information 205. By using the request, the second customer terminal 140 requests the product (or content) transaction approval of the first customer terminal 135.

In particular, the transaction approval request unit 1015, in the process of transmitting the predetermined transaction approval request information to the second customer terminal 140, by attaching a predetermined callback UEL for receiving transaction approval information to the second customer Characterized in that the transmission to the terminal 140.

Receiving unit 1025, through the transaction approval request unit 1015, the approval information 210 transmitted by the second customer terminal 140 that is requested to approve the transaction of goods (or content) of the first customer terminal 135 Receive directly or through a relay server.

The transaction approval unit 1030 approves the transaction of the product (or content) of the first customer terminal 135 based on the approval information 210 received by the receiver 1025.

In addition, the product (or content) transaction server 1000, when the second customer terminal payment means information is included in the approval information 210 transmitted from the second customer terminal 140, the first customer terminal A payment processing unit 1035 for processing a payment process corresponding to the product (or content) transaction of the 135 using the second customer payment means may be further provided.

In addition, according to the present invention, it is noted that the product transaction may include a financial product transaction.

In addition, the server 1000 shown in FIG. 10 is characterized in that it comprises a recording medium recording a computer-readable program for executing at least one or more functions included in the server 1000 described above.

11 is a simple configuration diagram of a second customer terminal 140 according to a preferred embodiment of the present invention.

11 is required to perform a transaction approval process for a first customer who accesses the server 1000 shown in FIG. 10 as a first customer terminal 135 and performs a predetermined product (or content) transaction. As a simple exemplary diagram of the functional configuration of the second customer terminal 140 with the approval information 210, the second customer terminal 140 shown in this figure is a wireless phone, PDA, portable Internet phone, telematics, etc. A terminal, a wired telephone, a wired terminal including a computer, a terminal (or device) including at least one information processor (or KIOSK), an ATM, a cash machine, a payment terminal, a television, a refrigerator, a microwave oven, It is characterized in that it comprises at least one or more home appliances equipped with a communication function, such as audio, an exercise device equipped with a communication function, and an RFID terminal.

In addition, the second customer terminal 140 stores predetermined approval information 210 corresponding to the transaction approval information request information transmitted from the server 1000.

Here, the approval information 210 stored in the second customer terminal 140 includes ID information, password information, customer personal information, customer biometric information, customer communication means information, and certificate information. And, the authentication certificate password information, payment means information, payment means password information, customer account information, password information corresponding to the customer account, account transfer password information corresponding to the customer account, and the second customer terminal ( Information (or data) included in the IC chip included in the 140, official certificate information included in the IC chip provided in the second customer terminal 140, and IC provided in the second customer terminal 140. Preferably, the chip-specific information and at least one predetermined authentication key data included in the second customer terminal 140 are included.

In more detail, the second customer terminal 140 includes the approval information request information receiving means 1105, the approval information input means 1110, and / or the approval information extracting means 1115, and / or the approval information generating means. 1120, the approval information transmitting means 1125, the memory 1130, and / or the IC chip 1135, and the controller 1100.

The approval information request information receiving means 1105 is connected to the server 1000 through a predetermined terminal (eg, the first customer terminal 135) to a first customer who performs a predetermined product (or content) transaction. For transaction approval processing, the transaction approval information request information transmitted through the transaction approval request unit 1015 of the server 1000 is received.

Here, the network between the second customer terminal 140 (approval request information receiving means) and the server 1000 (transaction approval request unit) preferably corresponds to the second customer terminal 140. For example, when the second customer terminal 140 is a wireless terminal, the network between the second customer terminal 140 and the server is preferably a wireless network.

According to another exemplary embodiment, the message including the customer approval information request information received from the server 1000 to the approval information request information receiving means 1105 of the second client terminal 140 may be the second client terminal. It is preferable to include a data communication standard that can be received by the data communication application provided in the WIPI (Wireless Internet Platform for Interoperability) platform that can be provided to the 140, and the customer received the message containing the customer approval information request information The second terminal 140 may transmit a message including customer approval information corresponding to the customer authentication information request information to the server 1000 through the approval information transmitting unit 1125 described below.

When the approval information request information is received through the approval information request information receiving unit 1105, the approval information input unit 1110 receives the approval information 210 corresponding to the approval information request information.

Here, the approval information input unit 1110 provided in the second customer terminal 140, a plurality of number keys (Character Key) and / or at least one function key (Function Key) Characterized in that it comprises at least one keyboard, keypad, mouse, RF reader, biometric information input device and the like provided.

For example, when the authorization information 210 is an ID and / or password including numbers, letters, symbols, etc., and / or a social security number, and / or a driver's license number, and / or an insurance number, etc. The approval information 210 may be input through the approval information input unit 1110.

The approval information extracting unit 1115 may include, for example, a memory 1130 in which the second client terminal 140 includes approval information corresponding to the approval information request information received through the approval information request information receiving unit 1105. ) And / or the approval information 210 stored in the memory 1130 and / or the IC chip 1135 when the data is stored in the IC chip 1135.

In this case, the approval information 210 stored in the memory 1130 and / or the IC chip 1135 may include authorized certificate information, authorized certificate password information, payment means information, payment means password information, and customer account information. Password information corresponding to the customer account, account transfer password information corresponding to the customer account, information (or data) included in the IC chip included in the second customer terminal 140, and predetermined authentication key data. It may include.

The approval information generating means 1120 is the memory 1130 of the second customer terminal 140 through the approval information 210 input through the approval information input means 1110 and / or the approval information extracting means 1115. ) And / or the authorization information 210 extracted from the IC chip 1135, for example, when the encryption processing for the authorization information 210 is required, the input and / or extracted authorization information 210 is stored. The predetermined approval information 210 may be generated to be encrypted by a predetermined encryption process and transmitted to the server 1000.

The approval information transmitting means 1125 may include the approval information inputted / extracted / generated through the approval information input means 1110, and / or the approval information extracting means 1115, and / or the approval information generating means 1120. 210 is transmitted to the server 1000.

In this case, the approval information transmitting means 1125 includes predetermined access means information (eg, a callback URL, etc.) for connecting to the server 1000 in the approval information request information transmitted from the server 1000. If there is, the approval information 210 may be transmitted with reference to the access means information included in the approval information request information.

According to a preferred embodiment of the present invention, a mobile communication network is connected between the server 1000 and the second client terminal (eg, a wireless terminal) 140, whereby the approval information transmission means 1125 is connected to the server 1000. The message including the customer approval information transmitted to the server 1000 is transmitted to the server 1000 through a mobile communication network according to at least one or more of wireless messages including SMS and / or EMS and / or MMS. desirable.

The memory 1130 may be configured to perform operations by predetermined program routines (or codes) and / or program data (eg, program routines (or codes)) for controlling the overall operations of the second customer terminal 140. Information or data inputted and outputted), and at least one storage means including an electrically erasable and programmable read only memory (EEPROM) and / or a flash memory (FM) and / or a hard disk drive (HDD). Characterized in that.

In particular, the memory 1130 stores at least one or more approval information 210 for approval of a transaction of a first customer who accesses the server 1000 and performs a predetermined product (or content) transaction according to the present invention. When the approval information request information is received from the server 1000 to the second customer terminal 140, the approval information request information according to a command of the controller 1100 provided in the second customer terminal 140. It is characterized in that for providing the approval information 210 corresponding to the server 1000.

The IC chip 1135 may be mounted on or detached from the second customer terminal 140. Preferably, the IC chip 1135 may include an IC chip standard and an EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443. It is characterized by an IC chip.

Although the IC chip 1135 is not shown in detail in FIG. 11, the IC chip 1135 may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), and programming. I / O interfaces for communicating with terminal devices (eg, wireless terminals, card terminals, etc.) in hardware through contact points such as power supply (VPP) and / or input / output (I / O), CPU (Central Process Unit), MPU A processor unit including at least one computing element including a micro process unit and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable read (EPPROM). It is preferably made of a memory unit composed of at least one or more memory elements including only memory (FM), flash memory (FM) and the like.

In addition, at least one of the memory elements of the IC chip 1135 is provided with a chip operating system (COS) for managing and operating the internal resources of the chip card, and at least one of the remaining memory elements has a chip ( At least one IC chip storage information for providing a service using a card) is preferably provided.

The IC chip storage information stored in the memory unit of the IC chip 1135 may include a data storage unit for storing a data set corresponding to data or information read and used by the control unit 1100, and / or the control unit. And a data processing unit for storing and driving a program module (eg, a JAVA applet) that can be used by the same. In particular, the IC chip storage information may be included in the server 1000 according to the present invention. At least one or more authorization information 210 corresponding to the authorization information request information transmitted from) is stored.

In order to control and manage the overall operation of the second customer terminal 140, the control unit 1100 may include an operating system routine and a system from a memory unit in the process of inputting and booting a predetermined power. It is characterized in that each functional means is operated in the second customer terminal 140 by loading management routines and / or system variables into the execution memory and being processed by the processor.

Preferably, the control unit 1100, the approval information request information receiving means 1105, the approval information input means 1110, and / or approval information extraction means 1115 provided in the second customer terminal 140. And / or control and manage the approval information generating means 1120, the approval information transmitting means 1125, the memory 1130, and / or the IC chip 1135.

In addition, the controller 1100 may include a processor including a CPU / MPU and an execution memory to control at least one or more functional means included in the second customer terminal 140. A bus for inputting / outputting a predetermined program routine and / or program data for providing a function unique to the second customer terminal 140 from the memory device, and a predetermined electronic circuit (or integrated circuit) provided therefor. It may be made, including.

According to an exemplary embodiment of the present invention, when the second client terminal 140 is the wireless terminal connected to the mobile communication network, the second client terminal 140 is equipped with a wireless internet platform for interoperability (WIPI) platform. It is preferable to have a BREW platform or a WITOP (Wireless Internet Terminal Open Platform) manufactured by Qualcomm in the US, and in some cases, a wireless platform before WIPI (for example, GVM / SK-VM) may be installed. It can be mounted.

Here, when the WIPI (Wireless Internet Platform for Interoperability) platform is mounted on the second client terminal 140, the approval information request information receiving means 1105 and approval information input means (described in FIG. 1110, and / or approval information extracting means 1115, and / or approval information generating means 1120, approval information transmitting means 1125, memory 1130, and / or IC chip 1135, For example, it is desirable to operate on the WIPI platform.

12 to 14 described below are transaction approval processing of a first customer who accesses the server 1000 through a predetermined terminal (personal computer, etc.) and performs a predetermined product (or content) transaction according to the present invention. As the approval information 210 required for the purpose, the chip information stored in the IC chip 1135 provided in the terminal (wireless terminal) of the second customer is used, and the approval information 210 is received from the second customer terminal 140. ) Is transmitted to the server 1000, and the server 1000 performs the approval process for the transaction of the first customer through the approval information 210 received from the second customer terminal 140. Example.

12 is a simple flowchart of a transaction approval process of a first customer according to a preferred embodiment of the present invention.

FIG. 12 shows that when the first customer accesses the server 1000 through a personal computer (PC, etc.) and transmits the ID / PW of the first customer as the first customer identifier information 200 to the server 1000. And extracting, from the server 1000, the second customer terminal (wireless terminal in this embodiment) information 205 associated with the ID / PW of the first customer and the second customer terminal 140. 1 is a simple embodiment of a process for requesting transaction approval information for a customer's transaction.

In addition, the embodiment described with reference to FIG. 12 includes a server 1000 performing transaction approval processing of a first customer and a server 1000 connecting the first customer to the first customer terminal 135 according to the present invention. Is for the same case.

Referring to FIG. 12, the illustrated embodiment shows a first customer information and / or first customer identifier information 200 (ID / PW) and / or a second terminal (wireless terminal) in the server 1000 according to the present invention. In operation 1200, the information 205 and / or the approval information 210 (chip information) may be stored in the predetermined storage medium 130.

Herein, the first customer information and / or the first customer identifier information 200 (ID / PW) and / or the second terminal (wireless terminal) information 205 and / or the approval information 210 (chip information) The storing process may be performed through a second customer associated with the first customer, or may be performed through a first customer with permission of the second customer.

When the first customer accesses the server 1000 on the Internet through a personal computer and requests a transaction for a predetermined product (or content) (1205), the server 1000 accesses the connected first device according to the present invention. Initiate a transaction approval process for the customer (1210). When the transaction approval process for the first customer is started, the server 1000 requests input of first customer identifier information from the connected first customer (1215), and the first customer is provided in the personal computer. In operation 1220, the registered ID / PW is input to the first customer identifier information 200 through the keyboard and the like, and is transmitted to the server 1000.

When the ID / PW is received from the first customer computer, the server 1000 interworks with the storage medium 130 to correspond to the customer identifier information 200 (ID / PW) received from the first customer computer. The second customer terminal (wireless terminal) information 205 is extracted from the storage medium 130 (1225).

At this time, if the second customer terminal (wireless terminal) information 205 corresponding to the customer identifier information 200 (ID / PW) received from the customer computer does not exist in the storage medium 130 (1230), The server 1000 determines that the first customer transaction approval process according to the present invention cannot be continuously performed, and transmits a transaction approval processing impossible message to the first customer computer (1235).

Here, the first customer does not register the first customer identifier information 200, the second customer terminal information 205 and the approval information 210 required to perform the first customer authentication process according to the present invention. If it is a customer, the server 1000 may request the first customer to perform a predetermined information registration process for registering the information for performing the first customer transaction approval process according to the present invention (1240).

However, if the first customer refuses to perform the information registration process, the illustrated first customer transaction approval process ends (1245).

On the other hand, if the second customer terminal (wireless terminal) information 205 corresponding to the first customer identifier information 200 (ID / PW) received from the first customer computer is present in the storage medium 130 and extracted, 1250, the server 1000 refers to the extracted second terminal information 205 (wireless terminal number), and transaction approval information for the transaction of the first customer to the second customer wireless terminal 140. The request message is transmitted (1255). At this time, the transaction approval information request message includes a callback URL for easier access of the second customer wireless terminal 140 to the server 1000. ) May be included.

According to another exemplary embodiment, a message including customer approval information request information transmitted from the server 1000 to the customer wireless terminal 140 may be provided in the customer wireless terminal 140. Interoperability) may include a data communication standard that can be received in a data communication application provided in the platform.

According to another preferred method, when the second customer wireless terminal information 205 is used as the first customer identifier information 200 received from the first customer computer, the above-described second customer wireless terminal information ( 205) The extraction process (1220 ~ 1250) may be omitted.

Figure 13 is a simple flowchart of the transaction approval process of the first customer according to the preferred method of the present invention.

FIG. 13 is a diagram corresponding to the first customer identifier information 200 (ID / PW) input from the first customer terminal 135 (personal computer (PC, etc.)) through the embodiment shown in FIG. 2 customer terminal (in this embodiment, wireless terminal) information 205 is extracted from the storage medium 130, and the second customer terminal (wireless terminal) 140, the predetermined approval of the transaction of the first customer After the approval information request message for requesting the information 210 is transmitted, the second customer wireless terminal 140 extracts the approval information 210 corresponding to the approval information request message and transmits it to the server 1000. A simple embodiment of the process.

In particular, FIG. 13 is the IC chip provided in the wireless terminal 140 as the approval information 210 corresponding to the transaction approval request message of the first customer transmitted from the server 1000 to the second customer wireless terminal 140. The chip information stored in 1135 may be used.

Referring to FIG. 13, it may be started from a process of receiving a transaction approval information request message from the server 1000 in the second customer terminal 140 (wireless terminal) (1300).

When a predetermined approval information request message for the transaction of the first customer is received from the server 1000 at the second customer wireless terminal 140, the second customer receives the approval corresponding to the transaction approval request message of the first customer. PIN information for accessing the IC chip 1135 in which the information 210 is stored is input through a keypad or the like provided in the second customer wireless terminal 140 (1305).

Here, the customer approval information request message transmitted from the server 1000 includes a data communication standard that can be received by an application for data communication included in a wireless internet platform for interoperability (WIPI) platform provided to the customer wireless terminal 140. In this case, in response to the received customer approval information request message, the approval information request information receiving means 1105 and approval information input means 1110 on the Wireless Internet Platform for Interoperability (WIPI) platform. And / or approval information extracting means 1115, and / or approval information generating means 1120, approval information transmitting means 1125, memory 1130, and / or IC chip 1135, etc. Through the above-described functions can be performed.

When the PIN information is input, the IC chip 1135 provided in the second customer wireless terminal 140 compares the PIN information input through the keypad and the PIN information previously stored in the IC chip 1135, Validation of the input PIN information is performed. Here, when the input PIN information and the PIN information stored in the IC chip 1135 do not match (1310), the second customer wireless terminal 140 A PIN input failure message may be output through the output means (for example, a screen output means, a voice output means, etc.) or an alarm sound may be output (1315).

Preferably, the PIN information input may be repeatedly performed within a limited number of times. When the PIN information is re-entered (1320), the above-described PIN authentication procedure is performed again, and when there is no re-entry of the PIN information, The embodiment shown in 13 ends (1325).

Meanwhile, as a result of comparing the PIN information input through the keypad and the PIN information previously stored in the IC chip 1135, if the authentication of the input PIN information is successfully performed (1330), the wireless terminal 140 may output at least one or more authorization information 210 stored in the IC chip 1135 (1335).

Here, the approval information 210 stored in the IC chip 1135 may correspond to the authentication certificate information, the authentication certificate password information, the payment method information, the payment method password information, the customer account information, and the customer account. Password information, account transfer password information corresponding to a customer account, information (or data) included in the IC chip included in the second customer terminal 140, and predetermined authentication key data may be included.

When a plurality of pieces of approval information 210 are stored in the IC chip 1135, the second customer may specify to transmit in response to the approval information request message received from the server 1000 among the at least one or more pieces of approval information output. The authorization information 210 may be selected (1340).

As described above, when the approval information 210 corresponding to the approval information request message is selected, the second customer wireless terminal 140 is included in the approval information request message received from the server 1000. Check the access information (eg, a callback URL) (1345), and transmit the selected authorization information with reference to the checked server access information (1350). In operation 1355, the second customer wireless terminal 140 outputs the approval information transmission details through the screen output means or the like.

14 is a simple flowchart of a customer authentication process according to a preferred embodiment of the present invention.

FIG. 14 shows the authorization information 210 stored in the second customer terminal 140 from the second customer terminal 140 (in this embodiment, the wireless terminal) through the embodiment shown in FIG. ), And the server 1000 performs a simple authentication process for the customer by using the authorization information 210 transmitted from the second customer terminal 140.

FIG. 14 will be described from the process of receiving a first customer transaction approval request response message including the approval information 210 (eg, chip information) from the second customer terminal 140 (wireless terminal) at the server 1000. It may be (1400).

Through the embodiment of FIG. 13, when the first customer transaction approval request response message including the authorization information 210 (eg, chip information) is received from the second customer terminal 140 (wireless terminal), The server 1000 checks the approval information 210 (eg, chip information, etc.) included in the approval request response message for the transaction of the first customer received from the second customer terminal 140 (1405).

The server 1000 reads the approval information 210 stored in association with the customer information from the storage medium 130 (1410), and the approval information 210 read from the storage medium 130 and the first information. In operation 1415, the approval information 210 is compared with the approval information 210 identified from the first customer transaction approval request response message received from the customer terminal 140.

If the approval information 210 read from the storage medium 130 and the approval information 210 received from the second customer terminal 140 do not match (1420), the server 1000 may determine the second information. The authorization information mismatch message may be transmitted to the customer terminal 140 and / or the first customer terminal 135 (1425).

On the other hand, if the approval information 210 read from the storage medium 130 and the approval information 210 identified from the first customer approval request response message received from the second customer terminal 140 match (1430). The server 1000 approves the transaction of the product (or the content) of the first customer, and the transaction of the first customer to the first customer terminal 135 and / or the second customer terminal 140. The authorization processing history for the service is transmitted (1435).

Preferably, if the approval process for the product (or content) transaction of the first customer is successfully performed through the server 1000, the server 1000 is a product (or content) at the request of the first customer. Perform a transaction (1440).

15 is a simple conceptual diagram of a transaction approval process of a first customer according to another preferred embodiment of the present invention.

Referring to Figure 15, the illustrated embodiment, the transaction approval system 100 (or relay server or carrier server), the storage medium 130, the server 1000, the first customer terminal 135 and the first 2 includes a customer terminal 140, the first customer is connected to the server 1000 through the first customer terminal 135, the transaction approval system 100 (or relay server or carrier server) is The terminal 1000 checks the terminal information 205 of the second customer associated with the first customer to approve a transaction for a predetermined product (or content) by accessing the server 1000, and then the predetermined information is received from the second customer terminal 140. Characterized in that the transaction approval information 210 is received.

In addition, the transaction approval system 100 (or a relay server or a carrier server) transmits the customer approval information 210 received from the second customer terminal 140 to the first customer terminal 135, and It is characterized in that the temporary storage in the memory (or IC chip) or the like of the first customer terminal (135).

In addition, in the present embodiment, the transaction approval system 100 (or a relay server or a communication company server) receives information 210 of the customer second terminal 140 provided with predetermined transaction approval information 210 from the first customer. Although it is shown to be extracted from the predetermined storage medium 130 using the customer identifier information 200 transmitted from the terminal 140, as shown in FIGS. 8 to 9, the first customer terminal 135 The second customer terminal information 210 may be directly received from the client.

Here, the server 1000 may be a web server on the Internet, a product (or content) providing server, a financial server, etc., through which a first customer accesses and requests a predetermined product (or content) transaction. The system 100 may be a relay server (or a telecommunication company server) that accesses and / or relays a transaction approval process for a first customer requesting a transaction by accessing the server 1000.

According to FIG. 15, in order to perform the process of approving the illustrated first customer transaction, the second customer terminal information 205 from the first customer to the transaction approval system 100 (or a relay server or a communication company server). Registering the first customer identifier information 200, the second customer terminal information 205, and the approval information 210 (1), the transaction approval system 100 (or a server or a communication company). Server), the customer identifier information 200 provided by the second customer and / or the first customer, the second customer terminal information 205, the approval information 210, and the first customer. The process of linking and storing information is preferably preceded (2).

In addition, the authorization information 210 used in the present embodiment and stored in the memory 1130 or the IC chip 1135 of the second customer terminal 140 includes ID information, password information, and customer personal information. Information, customer biometric information, customer communication means information, authorized certificate information, authorized certificate password information, payment method information, payment method password information, customer account information, password information corresponding to the customer account, Account transfer password information corresponding to a customer account, information (or data) included in the IC chip 1135 included in the second customer terminal 140, and an IC chip provided in the second customer terminal 140. At least one authorized certificate information included in the 1135, IC chip unique information provided in the second customer terminal 140, and predetermined authentication key data provided in the second customer terminal 140 to include. Can be.

Subsequently, the first customer connects to the predetermined server 1000 (eg, a web server on the Internet, a product (or content) providing server, etc.) using a predetermined terminal (eg, the first client terminal 140). In the process of requesting a transaction for a predetermined product (or content), the customer identifier information 200 is provided to the server 1000 (3), and the server 1000 provides the first customer terminal 135. (4) by providing the customer identifier information 200 provided from the information to the transaction approval system 100 (or a relay server or a carrier server), requesting the approval process for the transaction requested from the first customer.

At this time, the transaction approval system 100 (or a relay server or a communication company server) according to the transaction approval processing request of the server 1000, the second corresponding to the customer identifier information 200 provided from the server 1000 Extracting customer terminal information 205 from the storage medium 130 (5), and referring to the extracted second customer terminal information 205, the transaction of the first customer to the second customer terminal 140 Request the predetermined approval information 210 required for approval (6).

When the transaction approval information 210 request message is transmitted from the transaction approval system 100 (or a relay server or a communication company server) to the second customer terminal 140, the second customer is sent to the second customer terminal 140. The input and / or extracted approval information 210 corresponding to the received first customer transaction approval request information from the second customer terminal 140 is input (7), and the input and / or extracted approval information 210 is received. The transaction is transmitted to the transaction approval system 100 (or a relay server or a communication company server) through the second customer terminal 140 (8).

Then, the transaction approval system 100 (or the relay server or the carrier server) is the approval information 210 transmitted from the second customer terminal 140 and the approval information 210 previously stored in the storage medium 130. By comparing the, confirm the validity of the approval information (9), and transmits the approval information confirmed the validity to the first customer terminal 135 (10).

In the present embodiment, the transaction approval system 100 (or relay server or communication company server) performs a validation process for the authorization information 210 transmitted from the second customer terminal 140, but another preferred method According to, the process of validating the authorization information 210 of the transaction approval system 100 (or a relay server or a communication company server) may be omitted. In this case, however, the validity authentication process for the approval information 210 may be performed by the server 1000 that the first customer accesses through the first terminal 135 and requests a transaction for a predetermined product (or content). Can be performed.

On the other hand, when the approval information 210 is transmitted from the transaction approval system 100 (or a relay server or a communication company server) to the first customer terminal 135, the first customer terminal 135, the transmitted The approval information 210 is temporarily stored in the memory (or IC chip) provided in the first customer terminal 135 (11).

Preferably, the approval information 210 temporarily stored in the first customer terminal 135 is linked to a server connected to the first customer terminal 135, the predetermined post-authentication operation for the customer connected to the server (Eg, login, content usage, payment, etc.) and the like.

According to the present invention, when a product (or content) transaction of the first customer, the approval of the transaction for the product (or content) transaction of the first customer predetermined approval stored in the terminal of the second customer associated with the first customer By performing the information, the first customer is a minor child, the second customer has a merit that parents can block the child's access to harmful sites and content.

In addition, there is an advantage that it is possible to more safely and efficiently block the leakage of personal information through conventional phishing, pharming, keyboard hacking, and the like.

In addition, when the second customer terminal storing the approval information according to the present invention is a wireless terminal, the communication service provider has an advantage of generating additional revenue according to the operation of the communication network.

In addition, when the present invention attracts the telecommunications carrier, there is an advantage that new revenue can be generated by performing authentication processing for a plurality of sites (or institutions).

In addition, when the present invention is applied to financial transactions, financial institutions can attract more financial transaction customers and enhance corporate image by allowing customers to perform secure financial transactions.

Claims (47)

Product (or content) trading means for performing a predetermined product (or content) transaction with the first customer terminal; Approval request means for requesting approval of a transaction of a product (or content) of the first customer terminal to a second customer terminal; And Characterized in that it comprises a; information receiving means for receiving this, when transmitting the approval information in the second customer terminal, And the product (or content) transaction means approves a product (or content) transaction of the first customer terminal based on the approval information transmitted from the second customer terminal. The method of claim 1, And storing information stored in a predetermined storage medium by linking and processing the second customer terminal information and the first customer identifier information. The approval requesting means reads out the second customer terminal information associated with the first customer information from the storage medium, and requests the second customer terminal to approve the transaction of goods (or contents) of the first customer terminal. Transaction approval system, characterized in that. The method of claim 1, wherein the approval information, Predetermined official certificate information, official certificate password information, the second customer ID information, the password information, the second customer personal information, and the second customer biometric information provided in the second customer terminal; And the second customer communication means information, the second customer payment means information, payment means password information, the second customer account information, password information corresponding to the second customer account, and the second customer. Account transfer password information corresponding to the account, information (or data) included in the IC chip provided in the second customer terminal, IC chip unique information provided in the second customer terminal, and the second customer terminal. Transaction approval system comprising at least one predetermined authentication key data provided. The method of claim 1 or 3, wherein the approval information, Transaction approval system comprising a one-time approval information. The method of claim 1, When the second customer terminal payment means information is included in the approval information transmitted from the second customer terminal, And a payment processing means for processing the payment processing corresponding to the product (or content) transaction of the first customer terminal as the second customer payment means. The method of claim 1, wherein the product (or content) trading means, And receiving predetermined first customer identifier information from the first customer terminal. The method of claim 1, wherein the approval request means, When transmitting predetermined transaction approval request information to the second customer terminal, Transaction approval system, characterized in that for transmitting a predetermined callback UEL for receiving transaction approval information. The method of claim 1, wherein the information receiving means, Characterized in that located in the server or relay server associated with the carrier server or carrier server, The transaction approval system, characterized in that for transmitting the approval information transmitted from the second customer terminal to the product (or content) transaction means. The method of claim 1, wherein the information receiving means, And transmitting the approval information transmitted from the second customer terminal to the first customer terminal, so that the approval information is temporarily stored in the first customer terminal. The method according to any one of claims 1 to 9, wherein each of the means, On a single server, Transaction approval system, characterized in that provided in a plurality of servers (or terminals). The method according to any one of claims 1 to 9, wherein the customer first terminal, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, A transaction approval system comprising at least one RFID terminal. The method according to any one of claims 1 to 9, wherein the customer second terminal, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Transaction approval system comprising at least one RFID terminal. The method of claim 1, wherein the commodity transaction, Transaction approval system comprising a financial product transaction. 10. A recording medium comprising a program for executing the means function of any one of claims 1 to 9. A first customer terminal connected to a server, providing predetermined customer identifier information, and performing predetermined product (or content) transactions; After receiving the customer identifier information, extracting the second customer terminal information associated with the customer identifier information from a predetermined storage medium, the second customer terminal to approve the transaction of goods (or content) of the first customer terminal Requesting server; And And a second customer terminal that receives the transaction approval request information transmitted from the server and transmits predetermined approval information to the server or the relay server in response to the transaction approval request information. The server, A transaction characterized in that the product (or contents) of the first customer terminal is approved based on the approval information after receiving the approval information transmitted by the second customer terminal directly or through a relay server. Approval system. A first customer terminal connected to a server, providing predetermined customer identifier information, and performing predetermined product (or content) transactions; After receiving the customer identifier information, extracting the second customer terminal information associated with the customer identifier information from a predetermined storage medium, the second customer terminal to approve the transaction of goods (or content) of the first customer terminal Requesting server; And And a second customer terminal that receives the transaction approval request information transmitted from the server and transmits predetermined approval information to the server or the relay server in response to the transaction approval request information. The server or relay server, And transmitting the approval information transmitted by the second customer terminal to the first customer terminal so that the approval information is temporarily stored in the first customer terminal. The method of claim 15 or 16, wherein the approval information, Predetermined official certificate information, official certificate password information, the second customer ID information, the password information, the second customer personal information, and the second customer biometric information provided in the second customer terminal; And the second customer communication means information, the second customer payment means information, payment means password information, the second customer account information, password information corresponding to the second customer account, and the second customer. Account transfer password information corresponding to the account, information (or data) included in the IC chip provided in the second customer terminal, IC chip unique information provided in the second customer terminal, and the second customer terminal. Transaction approval system comprising at least one predetermined authentication key data provided. The method of claim 15 or 16, wherein the approval information, Transaction approval system comprising a one-time approval information. The method of claim 15 or 16, wherein the server, When the second customer terminal payment means information is included in the approval information transmitted from the second customer terminal, The transaction approval system, characterized in that for processing the payment process corresponding to the product (or content) transaction of the first customer terminal using the second customer payment means. The method of claim 15 or 16, wherein the server, When transmitting predetermined transaction approval request information to the second customer terminal, Transaction approval system, characterized in that for transmitting a predetermined callback UEL for receiving transaction approval information. The method of claim 15 or 16, wherein the server, Consists of a single server, or A transaction approval system comprising a plurality of servers. The method of claim 15 or 16, wherein the customer first terminal, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, Transaction approval system comprising at least one RFID terminal. The method of claim 15 or 16, wherein the customer second terminal, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Transaction approval system comprising at least one RFID terminal. The method of claim 15 or 16, wherein the commodity transaction, Transaction approval system comprising a financial product transaction. An interface unit for receiving customer identifier information from the first customer terminal when the first customer terminal is connected; A product (or content) trading unit that performs a predetermined product (or content) transaction with the first customer terminal; An extracting unit extracting second customer terminal information linked to the customer identifier information received by the receiving unit from a predetermined storage medium or provided from the first customer terminal; A transaction approval request unit for requesting approval of a transaction of goods (or contents) of the first customer terminal to the second customer terminal using the second customer terminal information; A receiving unit which directly receives the approval information transmitted by the second customer terminal or receives through the relay server; And And a transaction approval unit for approving a transaction of a product (or content) of the first customer terminal based on the approval information. The method of claim 25, wherein the approval information, Predetermined official certificate information, official certificate password information, the second customer ID information, the password information, the second customer personal information, and the second customer biometric information provided in the second customer terminal; And the second customer communication means information, the second customer payment means information, payment means password information, the second customer account information, password information corresponding to the second customer account, and the second customer. Account transfer password information corresponding to the account, information (or data) included in the IC chip provided in the second customer terminal, IC chip unique information provided in the second customer terminal, and the second customer terminal. Commodity (or content) transaction server, characterized in that it comprises at least one predetermined authentication key data provided. The method of claim 25 or 26, wherein the approval information, Commodity (or content) transaction server, characterized in that comprises a one-time approval information. The method of claim 25, wherein the product (or content) transaction server, When the second customer terminal payment means information is included in the approval information transmitted from the second customer terminal, And a payment processing unit configured to process a payment process corresponding to a product (or content) transaction of the first customer terminal by using the second customer payment means. The method of claim 25, wherein the transaction approval request unit, When transmitting predetermined transaction approval request information to the second customer terminal, Commodity (or content) transaction server, characterized in that attached to send a predetermined callback UEL for receiving transaction approval information. The method of claim 25, wherein the receiving unit, And transmitting the approval information transmitted from the second customer terminal to the first customer terminal so that the approval information is temporarily stored in the first customer terminal. 31. The method of any of claims 25 to 30, wherein the customer first terminal, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, A product (or content) transaction server comprising at least one RFID terminal. 31. The method of any one of claims 25 to 30, wherein the customer second terminal, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, A product (or content) transaction server comprising at least one RFID terminal. The method of claim 25, wherein the commodity transaction, Commodity (or content) transaction server, characterized in that comprises a financial product transaction. A recording medium comprising a program for executing the server function of any one of claims 35 to 30. A product (or content) transaction step of performing a predetermined product (or content) transaction with the first customer terminal in a predetermined product (or content) transaction means; A transaction approval request step of requesting approval of a transaction of goods (or contents) of the first customer terminal from a predetermined approval request means to the second customer terminal; An information receiving step of receiving predetermined approval information from the second customer terminal in a predetermined information receiving means; And And a transaction approval step of approving a product (or content) transaction of the first customer terminal based on the received approval information by a predetermined transaction approval means. The method of claim 35, wherein An information storing step of linking the second customer terminal information and the first customer identifier information in a predetermined information storage means and storing the second customer terminal information in a predetermined storage medium; And And reading out the second customer terminal information linked to the first customer information from the storage medium by a predetermined information reading means. The method of claim 35, wherein the approval information, Predetermined official certificate information, official certificate password information, the second customer ID information, the password information, the second customer personal information, and the second customer biometric information provided in the second customer terminal; And the second customer communication means information, the second customer payment means information, payment means password information, the second customer account information, password information corresponding to the second customer account, and the second customer. Account transfer password information corresponding to the account, information (or data) included in the IC chip provided in the second customer terminal, IC chip unique information provided in the second customer terminal, and the second customer terminal. Transaction approval method characterized in that it comprises at least one predetermined authentication key data provided. The method of claim 35 or 37, wherein the approval information, Transaction approval method comprising a one-time approval information. The method of claim 35, wherein When the second customer terminal payment means information is included in the received approval information, The transaction approval method further comprises a payment processing step of processing the payment processing corresponding to the product (or content) transaction of the first customer terminal in the small payment processing means using the second customer payment means. . The product (or content) transaction step of performing a predetermined product (or content) transaction with a first customer terminal in the predetermined product (or content) transaction means, The method of claim 1 further comprising the step of receiving predetermined first customer identifier information from the first customer terminal. The transaction approval request step of claim 35, wherein the request for approval of the transaction of goods (or contents) of the first customer terminal is requested from the predetermined approval request means to the second customer terminal. When transmitting predetermined transaction approval request information to the second customer terminal, Transaction approval method characterized in that the transmission to attach a predetermined callback for receiving the transaction approval information. The information receiving step according to claim 35, wherein in the predetermined information receiving means, the predetermined information receiving step receives the predetermined approval information from the second customer terminal. When the information receiving means is located in a server or a relay server associated with a communication company server, a communication company server, The transaction approval method, characterized in that for transmitting the received approval information to the transaction approval means. The information receiving step of claim 35, wherein the predetermined information receiving means receives the predetermined approval information from the second customer terminal. And transmitting the received approval information to the first customer terminal, so that the approval information is temporarily stored in the first customer terminal. 44. The client terminal of any one of claims 35 to 43 wherein the customer first terminal comprises: A wired terminal including a computer, A terminal (or device) including at least one or more information processor (or kiosk), cash dispenser, cash dispenser, or payment terminal; Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, Transaction approval method comprising at least one RFID terminal. 44. The client terminal of any one of claims 35 to 43 wherein the customer second terminal comprises: Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics, Landline phone, A wired terminal including a computer, A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and Household appliances equipped with a communication function such as a television, a refrigerator, a microwave oven, and audio, Exercise equipment equipped with a communication function, Transaction approval method comprising at least one RFID terminal. The method of claim 35, wherein the commodity transaction, Transaction approval method comprising a financial product transaction. A recording medium comprising a program for executing the method of any one of claims 35 to 43.

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