KR20070003253A - Offer method of total finance service in ubiquitous environment and system for the same - Google Patents

Abstract

A method and a system for offering an integrated banking service in a ubiquitous environment are provided to enable a user to utilize various kinds of banking services without use restriction by establishing again respective independent banking services in one unique environment. A database(120) stores information for a buyer requesting service use based on an agreement, and a seller agreeing to settlement and cash payment based on the agreement. A database managing module(150) loads and manages the information when the information stored in the database is modified or changed. A communication module(130) communicates data with various banking facilities contracted with the buyer/seller. A buyer confirming module(100) authenticates the connected buyer and manages buyer information. A seller confirming module(110) authenticates the connected seller and manages seller information. A banking service controlling module(140) controls a series of services for paying a price and cash through information exchange among the buyer, the seller, and the banking institutions.

Description

Offer method of total finance service in ubiquitous environment and system for the same}

1 is a conceptual diagram illustrating an integrated financial service providing method in a ubiquitous environment according to the present invention.

2 is an exemplary flow diagram for a method for paying a financial price according to an integrated financial service in a ubiquitous environment according to the present invention.

3 is an exemplary block diagram of a financial server for providing an integrated financial service in a ubiquitous environment according to the present invention.

The present invention relates to a financial service method, and in particular, to re-establish independent financial related service systems in one ubiquitous environment so that any user can utilize various financial services without restriction of use. It relates to a method and system for providing integrated financial services in the environment.

In general, due to the development of the Internet-based network (network) is undergoing a major change in information and transactions, the era of sharing all information and trading without borders is rapidly approaching.

In addition, the creation of virtual spaces through the network has brought about various services and online real-time transactions in these virtual spaces, and offline real-world transactions and various agency services as well as electronic commerce on-line are being activated. to be.

In addition, with the recent rapid development of communication technology, online banking processing systems such as phone banking and internet banking have been developed and used in banking business. To provide financial services.

In other words, the online banking processing system provides convenience for customers to easily handle banking operations such as bank transfer using a telephone or a personal computer (PC) in their home or office.

In addition, as a mobile payment method using a mobile phone is introduced for a small amount of payment, the convenience of financial services for consumers is provided by providing a payment method using a mobile phone without a series of information exchange (account number, transfer bank) for account transfer. To maximize.

However, since the above-mentioned financial services have their own unique operating methods, convenience has been increased for each service. However, it has been inconvenient for consumers to carry individual payment methods for various financial services.

In other words, in order to pay for a mobile phone, a user must purchase a new mobile phone with the corresponding function and apply for a service, and consume a credit card without risk of loss. Internet banking is used only on a specific computer where authentication data are stored. Since there are spatial constraints and phone banking does not have time and space constraints in use, there are inconveniences due to communication limitations and anxiety due to password leakage.

Therefore, consumers prefer financial services only for their own tastes and do not use other services well.

Therefore, in some cases, it can be very embarrassing and difficult if you use a solution or a place where only financial services are not provided.

In addition, when a customer tries to pay the price after shopping at a department store, a convenience store, a mart, etc. without inadvertently consuming a wallet, there is only a way to give up the shopping item when the customer's mobile phone does not have a payment function. Even if the mobile phone owned by the customer has a payment function, there may be a case in which the store does not have a corresponding function. There is no situation.

Therefore, the necessity of integrating and operating the financial services provided to the general consumer in a very diverse and independent operating system has emerged.

An object of the present invention for solving the above problems relates to a financial service method, and in particular, by re-establishing independent financial-related service systems in a single ubiquitous environment by any user without any restrictions The present invention provides a method and system for providing integrated financial services in a ubiquitous environment to utilize services.

Features of the integrated financial service providing method in a ubiquitous environment according to the present invention for achieving the above object, the first process of forming a financial service cooperation agreement by agreeing to a certain agreement with any financial institution; A second process of classifying each financial terminal by assigning a unique code only to financial terminals agreeing to the financial services formed in the first process for arbitrary financial terminals for billing and cash payment; A third step of acquiring and managing the financial information of the member who applied for the service using the certain terms and conditions and the financial certification information of the corresponding member from the financial institution with which the partnership was formed in the first step; In the case where the member managed in the third process intends to execute the financial settlement through the financial terminal, which has been given a unique code through the second process, the financial institution receives the financial terminal information and the member's financial information at the request of the member. A fourth process of transmitting to the side to request a financial service; And a fifth process of performing financial services such as payment and cash payment from the financial institution to the financial terminal through the financial service approval and certification of the financial institution.

As an additional feature of the integrated financial service providing method in a ubiquitous environment according to the present invention for achieving the above object, the fourth process includes a first step of checking whether the member managed through the third process; A second step of allowing a member to select a payment method for executing financial services such as payment and cash payment; And a third step of transmitting the financial certification information of the member and the information of the financial terminal to the financial institution that has entered into the agreement through the first process corresponding to the payment method selected in the second step.

As another additional feature of the integrated financial service providing method in a ubiquitous environment according to the present invention for achieving the above object, the fifth process is through a fourth process at a financial institution that has entered into an agreement through the first process. A first step of confirming the information of the received financial terminal and the financial information of the member; If it is determined that the transaction is normal through the first step, the financial terminal includes a second step of providing financial services such as payment and cash payment according to the transaction approval.

An additional feature of the integrated financial service providing method in the ubiquitous environment according to the present invention for achieving the above object is that when the fifth process is finished, the financial terminal outputs a receipt and the normal transaction is terminated to the member. The method further includes a sixth process of notifying.

An additional feature of the integrated financial service providing method in the ubiquitous environment according to the present invention for achieving the above object is that the financial terminal is of all kinds operating in financial institutions (first financial sector and second financial sector). It includes a cash dispenser or an automatic teller machine (ATM) or a cash dispenser operated in a VAN service network or a point of sale (POS) terminal used in a commerce.

An additional feature of the integrated financial services providing method in the ubiquitous environment according to the present invention for achieving the above object is that the member does not distinguish between domestic or foreign residents, the financial institution is a domestic financial institution or It does not distinguish foreign financial institutions.

A feature of the integrated financial service system in the ubiquitous environment according to the present invention for achieving the above object is the information of the buyer (payer) who applied for service use according to a certain terms and the seller who agreed to pay through the service A database for storing; A database management module which loads the information of the database and manages it when a change or change of the stored information occurs; A communication connection module for data communication with the buyer (payer) and the seller and various financial institutions that have an agreement; A payer verification (management) module for login operation, identity verification, and information management of a payer accessing the service through the communication connection module; Seller verification (management) module for the login operation, identity verification and information management of the seller connected to use the service by connecting through the communication connection module; And it includes a financial service control module for controlling a series of services of payment through the information exchange between the buyer (payer) and the seller and financial institutions.

An additional feature of the integrated financial service system in the ubiquitous environment according to the present invention for achieving the above object is that the database stores information about the identity of the buyer (payer) and information for information exchange. A member information DB; A financial certification DB each of which is managed through the member information DB, stores a variety of information for approval of financial transactions at financial institutions; A payment method DB for storing information on financial settlement means possessed by each member managed through the member information DB; And it includes a financial terminal DB that stores information for receiving the identification and information exchange and payment of the seller of the seller.

Additional features of the integrated financial services system in the ubiquitous environment according to the present invention for achieving the above object, the information of the seller stored in the financial terminal DB is a terminal unique number, business registration number, mutual and A representative's name, address and receipt account information; Information stored in the member information DB includes a member's name, a social security number, a social security number, an address and a mobile communication terminal number; The information stored in the financial certification DB includes data that each member can submit when the financial institution performs a verification request for a financial transaction such as an electronic certificate issued from the financial institution; The information stored in the payment method DB includes information such as a bank account and a credit card, which are payment methods possessed by each member.

An additional feature of the integrated financial service system in the ubiquitous environment according to the present invention for achieving the above object is that the communication connection module provides information such as payment request or payment completion to the buyer (payer) or seller An SMS / MMS module for notifying the user; A wired internet access module for allowing the purchaser (payer) or seller to access the service providing server through a wired internet network and to transmit and receive information according to a payment; A wireless internet access module for allowing the purchaser (payer) or seller to access the service providing server through a wireless internet network and to transmit and receive information according to a payment; And a financial institution access module connected to a financial institution that has been contracted with the financial institution for authentication and approval of the financial processing process.

The above object and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention described below with reference to the accompanying drawings by those skilled in the art.

Briefly looking at the technical concept applied to the present invention, first, the payment method of the existing commerce is a method in which the seller provides the creditor's own credit information to the seller, the seller delivers it to a financial institution to perform the approval and authentication, the merchant It is to exercise the initiative in financial settlement.

At this time, since the seller has the initiative in financial services, payment is not made unless the payer has a payment method corresponding to the seller's payment method.

In other words, in the case of a credit card, if the seller handles only a specific credit card, the payment may not be made with the credit card even if the payment is made with many types of credit cards.

Therefore, the present invention contemplated that integrated financial services could be implemented if the payer could exercise the initiative of financial services.

In other words, the seller provides the information of the seller's own billing means to the payer, and the payer provides the seller with the approval and authentication according to the payment through the payment method owned by the seller and then provides it to the seller. If the payment is made through the payment method of the payer based on the approval and authentication information, it is possible to maximize the user's convenience while preventing safety accidents, financial fraud or tax evasion due to the leakage of socially problematic personal information. will be.

Furthermore, when the buyer and the payer are different, the existing method can solve various problems that may arise due to the buyer's use of the creditor's credit information by providing the seller with the approval of the approved financial transaction and providing it to the seller as in the present invention. Could be.

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

1 is a conceptual diagram illustrating an integrated financial service providing method in a ubiquitous environment according to the present invention.

As shown, the basic configuration of the system of the present invention is largely divided into financial terminals, financial institutions, and financial service providers (financial servers). At this time, the seller, the buyer and the payer, which are the subjects of the use of the financial service, are not shown because they are indispensable matters, and the buyer and the payer may be the same person or a third party.

The financial terminal in the system is used for all types of ATMs, ATMs (Automatic Teller Machines), VAN service networks, and commerce used in financial institutions (first and second financial sectors). Point of Sale (POS) terminal is included.

In this case, in order to provide integrated financial services in the ubiquitous environment according to the present invention, a process of assigning a unique number to all financial terminals (POS, ATM, ATM) will be preceded. In the following description, all financial terminals will be described. Assume that you have assigned a unique number to.

Therefore, when the seller provides the seller's credit information (terminal number, amount, transaction number, etc.) to the payer, the payer performs transaction approval and authentication through the financial service provider or financial institution based on the seller's credit information. The payment is made by providing the seller with the information accordingly.

2 is a flow chart illustrating a method for paying the financial price according to the present invention, in which case the buyer wants to pay for the purchase of a good or a service, the seller has his financial terminal information and the price information. Will be notified to the buyer (or payer).

In this case, the contact relationship between the buyer and the seller may be an actual transaction on the offline or a virtual transaction on the online. This also includes the case where the buyer and seller reside in Korea or reside in a foreign country.

The information of the financial terminal may include a terminal unique code and an invoice (notice of transaction details), and the price information may include information such as a payment amount and a payment account.

At this time, the buyer (or the payer) is connected to the financial service provider (financial server) using his own communication means (computer, mobile terminal, etc.), and is authenticated as a party user, and requests confirmation of transaction details and charges. do.

Accordingly, the financial service provider requests the seller terminal to confirm the transaction information according to the payment request of the payer. Accordingly, the seller terminal responds to the inquiry request for the amount of the payment request, and the financial service provider sends the payment to the payer. You will be notified.

After that, the payer approves the payment if there is a willingness to pay for the transaction, and selects the payment method (credit card, bank transfer, etc.) owned by the payer.

Accordingly, the financial service provider requests transaction approval from the competent financial institution corresponding to the payment method selected by the payer. In this case, the financial institution requests the financial service provider's information, and the financial service provider transmits the information previously received from the seller to the financial institution.

The financial institution checks the information of the seller and the information of the payer, and then transmits information (accepting credit card payment approval information, etc.) according to the transaction approval to the seller terminal through the financial service provider. Accordingly, the seller terminal approves the transaction to the buyer. You will be issued a receipt.

In this case, when the payment method of the payer is an account transfer, the seller terminal requests an account transfer to the financial service provider, and the financial service provider delivers information on cash withdrawal and a withdrawal request accordingly. The financial institution executes an account transfer to the seller terminal through the financial service provider.

The seller terminal checks whether the transfer is completed and then notifies the financial institution and the payer through the financial service provider.

In addition, when the seller terminal is a device such as an ATM having a cash payment function, since the sale is actually a request for cash withdrawal, it means a cash service through a credit card or a cash now through account transfer.

The configuration of the financial server for smoothly performing a series of operations according to the present invention described above will be described with reference to FIG. 3.

FIG. 3 is a block diagram illustrating a block diagram of a financial server for providing an integrated financial service in a ubiquitous environment according to the present invention, and a buyer (payer) who applies for a service using a certain terms and conditions to use the service according to the present invention. And a database 120 for storing information of sellers who have agreed to payment through the service, and a database management module 150 for loading the information of the database 120 and managing it when modification or change of information stored and stored occurs. ), A communication connection module 130 for data communication with various buyers and sellers and the financial institutions that have an agreement, and through the communication connection module 130 to use the service Through the login operation of the payer to be connected, the checker identification (management) module 100 for identity verification and information management, and the communication connection module 130 Through the login operation of the seller connected to use the service by using the service, the seller confirmation (management) module 100 for identification and information management, and information exchange between the buyer (payer) and the seller and financial institutions It is largely composed of a financial service control module 140 for controlling a series of services of the payment.

The configuration database 120 shown in FIG. 3 includes a member information DB 121 storing information on various matters for identification and information exchange of the buyer (payer), and the member information DB 121. Each of the members managed through the financial certification DB (122) that stores a variety of information for approval of the financial transaction in the financial institution, and each member managed through the member information DB (121) It consists of a payment method DB (123) that stores information about the financial settlement means, and a financial terminal DB (124) that stores information for identifying the seller, information exchange, and payment. do.

In this case, the information of the seller stored in the financial terminal DB 124 includes a terminal unique number, a business registration number, a company name and a representative name, address and receipt account information.

In addition, the information stored in the member information DB 121 includes the member's name, resident registration number (social security number), address, and mobile communication terminal number, and the information stored in the financial authentication DB 122 It includes data that each member can submit when performing a verification request for a financial transaction, such as an electronic certificate issued by a financial institution.

In addition, the information stored in the payment method DB 123 includes information such as a bank account and credit card, which is a payment method possessed by each member.

The communication connection module 130 shown in FIG. 3 includes an SMS / MMS module 131 for notifying the buyer (payer) or the seller of information such as a payment request or payment completion, and the buyer (payer). Or a wired internet access module 132 for allowing a seller to connect to the service providing server through a wired internet network and transmit / receive information according to a payment, and the purchaser (payer) or the seller connects to the wireless internet network. The wireless Internet access module 133 for accessing the service providing server through the Internet to transmit / receive information according to the payment, and the financial institutions that have agreements with the financial institutions to be authenticated and approved. It consists of a financial institution connection module 134 to be connected.

The service flow shown in FIGS. 1 and 2 will be described in more detail through a financial server for providing integrated financial services in a ubiquitous environment according to the present invention.

In order to use the services of the financial service provider, the seller and the real name individual must be registered as a member and carry out the following procedure.

(1) Use the certificate after registering your membership number and password through real name verification

(2) After registering the mobile terminal number through the authentication process,

(3) The means of payment (account number, card number, etc.) shall be registered after the verification process of the financial institution concerned.

(4) Registering interoperability between membership registration number and mobile communication terminal number at checkout

According to the present invention, in the payment step after a purchaser purchases a product or service, the seller provides the seller's or biller with the seller's or payer's information through offline or online methods. The payment is made using a transaction approval number provided by a financial institution or a transaction authentication number provided by a financial service provider.

In addition, by using a financial terminal (ATM, cash dispenser, etc.) having a unique number it can provide a variety of financial services, such as various forms of cash withdrawal and payment of transactions.

Hereinafter will be described in detail the embodiment according to the configuration and method of the present invention as described above.

1) In the case of commerce using services of financial service providers

Step 1: When the purchaser purchases a product or service and notifies whether the payment method is a financial institution or a financial service provider, the seller's terminal accesses the financial service provider server and identifies the terminal's unique number and amount, transaction number, and transaction details. And so on.

Second step: When the purchaser purchases a product or service, the seller sends the terminal's unique number, transaction amount, and transaction details to the payer at the terminal through offline or financial member's number, SMS, MMS, etc. of the mobile communication terminal. If you request the payment through the financial service provider server and the server receives the terminal unique number, amount, transaction details, and stores in the payment request list

Step 3: The payer is authorized as a party user through the wired / wireless internet to the financial service provider server, and accesses the server of the financial service provider or carries the card to the financial institution and directly accesses it through the ATM terminal. Or by wired or wireless Internet.

Step 4: The payer confirms the seller's trade name, transaction details and transaction amount through the financial service provider or financial institution and requests payment approval.

Step 5: The financial institution receiving the payment approval request confirms whether the user is a party user (password, security card, etc.), and then transfers the transaction approval number to the financial service provider, and the financial service provider server reprocesses it and authenticates the transaction. Payment for the commerce is made by sending the number to the seller's terminal.

2) In the case of a commerce settlement system and services using the services of a financial service provider

Step 1: The purchaser purchases the goods or services and informs the seller of the payment method using the financial service provider and the financial service provider member number or mobile terminal number.

Second step: The seller's terminal transmits information such as the user's ID or the number of the mobile communication terminal, the unique number of the terminal, the transaction amount, and the transaction history through the financial service provision server, and requests the payment. By searching the member subscriber's database, the subscriber's mobile communication terminal number is used to notify that payment is requested by SMS, MMS, etc., and then temporarily store the request.

Step 3: The payer connects to the financial service provider server through wired or wireless internet using a mobile communication terminal, PC, notebook, etc., and receives the seller's information using a method such as a certified certificate. And request information such as transaction amount, transaction details, and the financial service providing server provides the stored information to the payer.

Step 4: When the payer selects a payment by credit card or bank transfer registered at the time of signing up for a payment approval method and requests transaction approval, the financial service providing server requests the transaction approval server of the financial institution for approval. The financial institution then verifies whether it is a political party user (password, security card number, etc.) and provides the transaction approval number to the financial service provider server.

Step 5: The business server of the financial service provider stores the transaction approval number in a database, reprocesses the transaction authentication number, generates a transaction authentication number, and sends the transaction authentication number to the seller's terminal.

Step 6: When the seller terminal receives the transaction verification number, the payment is completed by storing the transaction verification number and outputting a receipt.

3) In the case of commerce payment system and service using ATM or Internet banking

Step 1: The purchaser purchases goods or services and requests the seller to provide the seller's information using SMS, MMS, etc., as the payment method is the bank's payment system.

Step 2: The seller's terminal provides the unique number and transaction amount of the terminal using SMS, MMS or off-line method, and the terminal's unique number, transaction amount and transaction through the financial service provision server. Send information such as details and request payment.

Step 3: The service server of the financial service provider registers on the payment waiting list and waits for an access request from the financial institution.

Step 4: The payer enters the terminal's unique number and transaction number after accessing the financial institution through ATM, Internet, etc., and the financial institution transmits the input information to the financial service providing server and the financial service providing server After searching in the waiting list for payment, detailed information such as the seller's information, transaction details, and transaction amount is transmitted to the financial institution.

Step 5: The payer approves the payment after checking the seller's information, transaction details, and transaction amount provided by the financial institution.

Step 6: The financial institution verifies whether it is a party user and provides the transaction approval number to the financial service provider.

Step 7: The financial service providing server reprocesses the transaction approval number and transmits the transaction authentication number to the seller's terminal.

4) For payment systems and services in e-commerce

First step: A payment system in an electronic commerce is possible by assigning a virtual unique number (Virtual POS) to a server that operates a shopping mall.

Second step: When a virtual financial terminal number is assigned to a payment module in a shopping mall server, the following steps are performed by going through the same process as described above.

5) In the case of international commerce payment systems and services

First step: International financial services go through the steps described above, and the payment is made through a financial service providing server between countries after the payment is authenticated as a party user by accessing the financial service provider or financial institution of the relevant country.

6) For financial systems and services that withdraw cash using ATM, Internet banking

Step 1: Connect to a financial institution by using a card, PC, PDA, etc. held for the purpose of cash withdrawal to the person or a third party using a wired / wireless internet, etc. After entering the amount to be withdrawn, the unique number of the financial terminal to be withdrawn, the effective time of the transaction authentication number, and the password at the time of withdrawal to the financial institution, and after confirming the party user by means of account password, security card, etc. After receiving the transaction approval number from offline, SMS, MMMS, E-mail or the currently connected screen, the financial terminal can enter the transaction approval number and password in the financial terminal selected by the person or a third party using the transaction approval number and password. When the information is sent to the bank, the financial institution will determine whether the transaction approval number and password match the financial terminal number and the transaction approval number. If the withdrawal is possible within the valid time of the call, if the withdrawal is possible, the cash withdrawal permission signal is sent to the terminal, and the terminal pays the amount to the user and sends the result back to the relevant financial institution to transmit that the transaction is normally completed.

While the invention has been shown and described in connection with specific embodiments thereof, it is well known in the art that various modifications and changes can be made without departing from the spirit and scope of the invention as indicated by the claims. Anyone who owns it can easily find out.

As described above, when the integrated financial service providing method and system according to the present invention are provided in the ubiquitous environment, the seller provides information of the seller's own billing means to the payer, and the payer pays his own. If the payment is made through the means of approval and authentication, and then provided to the seller, the seller may receive payment through the payment method of the payer based on the approval and authentication information provided by the payer. It will be able to maximize the user's convenience while preventing safety accidents, financial fraud or tax evasion.

Furthermore, when the buyer and the payer are different, the existing method can solve various problems that may arise due to the buyer's use of the creditor's credit information by providing the seller with the approval of the approved financial transaction and providing it to the seller as in the present invention. Could be.

Claims (12)

A first step of forming a financial service partnership by agreeing to a certain agreement with any financial institution; A second process of classifying each financial terminal by assigning a unique code to financial terminals that agree to the financial services formed in the first process for arbitrary financial terminals for payment and cash payment; A third step of acquiring and managing the financial information of the member who applied for the service using the certain terms and conditions and the financial certification information of the corresponding member from the financial institution with which the partnership was formed in the first step; In the case where the member managed in the third process intends to execute the financial settlement through the financial terminal, which has been given a unique code through the second process, the financial institution receives the financial terminal information and the member's financial information at the request of the member. A fourth process of transmitting to the side to request a financial service; And A method for providing integrated financial services in a ubiquitous environment, comprising a fifth process of performing financial services such as payment and cash payment from the financial institution to the financial terminal through approval and certification of the financial service of the financial institution. . The method of claim 1, The fourth process includes a first step of confirming whether a member managed through the third process is present; A second step of allowing a member to select a payment method for executing financial services such as payment and cash payment; And a third step of transmitting the financial certification information of the member and the information of the financial terminal to a financial institution that has entered into an agreement through the first process corresponding to the payment method selected in the second step. How to provide integrated financial services in your environment. The method of claim 1, The fifth step is a first step of confirming the information of the financial terminal and the financial information of the member received through the fourth process from the financial institution that signed the agreement through the first process; If it is determined that the transaction is normal through the first step, providing the integrated financial services in the ubiquitous environment, comprising the second step of providing financial services such as payment and cash payment according to the transaction approval to the financial terminal. Way. The method of claim 1, And a sixth process of outputting a receipt from the financial terminal and notifying the corresponding member that the normal transaction has ended when the fifth process is terminated. The method of claim 1, The financial terminal is a cash dispenser operated in all kinds of ATMs or automatic teller machines (ATMs) or VAN service networks operated by financial institutions (first financial sector and second financial sector), or POS (Point of Use) used in commerce. Sale) Integrated financial service providing method in a ubiquitous environment characterized in that it comprises a charging module of the terminal or shopping mall. The method of claim 1, The member is a method for providing integrated financial services in a ubiquitous environment, characterized in that the member does not distinguish between domestic or foreign residents. The method of claim 1, The financial institution does not distinguish between domestic financial institutions or foreign financial institutions integrated financial services providing method in a ubiquitous environment. A database for storing information of a purchaser (payer) who has applied for service under certain terms and a seller who has agreed to pay and cash payments under certain terms; A database management module which loads the information of the database and manages it when a change or change of the stored information occurs; A communication connection module for data communication with the buyer (payer) and the seller and various financial institutions that have an agreement; A payer verification (management) module for login operation, identity verification, and information management of a payer accessing the service through the communication connection module; Seller verification (management) module for the login operation, identity verification and information management of the seller connected to use the service by connecting through the communication connection module; And Integrated financial services system in a ubiquitous environment comprising a financial service control module for controlling a series of services of payment and cash payment through the information exchange between the buyer (payer) and the seller and financial institutions. The method of claim 8, The database includes a member information DB which stores information on various matters for identification and information exchange of the buyer (payer); A financial certification DB each of which is managed through the member information DB, stores a variety of information for approval of a financial transaction at a financial institution; A payment method DB for storing information on financial payment means possessed by each member managed through the member information DB; And An integrated financial service system in a ubiquitous environment, characterized in that it comprises a financial terminal DB that stores information for identifying the seller, information exchange and payment payment. The method of claim 9, Information of the seller stored in the financial terminal DB includes a terminal unique number, a business registration number, a trade name and a representative name, an address and a receiving account information; Information stored in the member information DB includes a member's name, a social security number, a social security number, an address and a mobile communication terminal number; The information stored in the financial certification DB includes data that each member can submit when the financial institution performs a verification request for a financial transaction such as an electronic certificate issued from the financial institution; The information stored in the payment method DB is integrated financial service system in a ubiquitous environment, characterized in that it includes information such as a bank account and credit card, which is a payment method possessed by each member. The method of claim 8, The communication connection module includes an SMS / MMS module for notifying the buyer (payer) or the seller of information such as a payment request or payment completion; A wired internet access module for allowing the purchaser (payer) or seller to access the service providing server through a wired internet network and to transmit and receive information regarding payment and cash payment; A wireless internet access module for allowing the purchaser (payer) or seller to access the service providing server through a wireless internet network and to transmit / receive information according to payment and cash payment; And An integrated financial service system in a ubiquitous environment, comprising a financial institution access module connected to a financial institution that has a contract with a financial institution to be authenticated and approved. The method of claim 8, The financial terminal is a cash dispenser operated in all kinds of ATMs or automatic teller machines (ATMs) or VAN service networks operated by financial institutions (first financial sector and second financial sector), or POS (Point of Use) used for commerce. Sale) Integrated financial service system in a ubiquitous environment, characterized in that it comprises a charging module of a terminal or a shopping mall.

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