KR20070020772A - System and Method for Processing Financial Transaction by Using Mobile Number, Devices for Processing Financial Transaction, Terminals for Financial Transaction, Devices and Recording Medium - Google Patents

System and Method for Processing Financial Transaction by Using Mobile Number, Devices for Processing Financial Transaction, Terminals for Financial Transaction, Devices and Recording Medium Download PDF

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Publication number
KR20070020772A
KR20070020772A KR1020050075010A KR20050075010A KR20070020772A KR 20070020772 A KR20070020772 A KR 20070020772A KR 1020050075010 A KR1020050075010 A KR 1020050075010A KR 20050075010 A KR20050075010 A KR 20050075010A KR 20070020772 A KR20070020772 A KR 20070020772A
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South Korea
Prior art keywords
financial transaction
information
token
predetermined
customer
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KR1020050075010A
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Korean (ko)
Inventor
권봉기
김재형
홍종철
Original Assignee
주식회사 비즈모델라인
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Priority to KR1020050075010A priority Critical patent/KR20070020772A/en
Publication of KR20070020772A publication Critical patent/KR20070020772A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity ; Protecting confidentiality; Key management; Integrity; Mobile application security; Using identity modules; Secure pairing of devices; Context aware security; Lawful interception
    • H04W12/06Authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/07Indexing scheme relating to G06F21/10, protecting distributed programs or content
    • G06F2221/0702Binding
    • G06F2221/0711Token

Abstract

The present invention relates to a financial transaction processing method and system using a wireless terminal number, at least one or more financial transaction information in a predetermined information storage means and wireless terminal information (and / or customer information) owned by the customer owned by the financial transaction means; A financial transaction means information storing step of storing predetermined token generating program information of a token generating program provided in the customer-owned terminal in a predetermined storage medium in association with the token generating program information; In the financial transaction of the customer owning the financial transaction means, the predetermined transaction generated by the token generation program provided in the customer-owned terminal from the predetermined financial transaction terminal to the financial transaction processing means (or the financial transaction processing means linking device or server) on the communication network. Transmitting token code information and the customer-owned wireless terminal information; The financial transaction processing means (or financial transaction processing means-linked device or server) in association with the storage medium (or storage medium operating means), the financial transaction means information associated with the customer-owned wireless terminal information, and the customer-owned radio; An information checking step of confirming token generating program information associated with the terminal information (and / or customer information) and / or financial transaction means information; The financial transaction processing means (or the financial transaction processing means associated device or the server) authenticates the validity of the token code by using the verified token generation program information, and in accordance with the validity authentication result of the token code, the financial transaction. A financial transaction authentication step of authenticating the validity of the financial transaction; And a financial transaction processing step of processing the financial transaction using the identified financial transaction means according to the validity authentication result in the financial transaction processing means.
Thereby, more secure financial transactions are possible through a predetermined token code volatilized by time and / or by a random random variable, and by means of a wireless terminal number, financial transaction information (eg, financial account information, credit card). More convenient and safe financial transactions are possible without exposing information, debit card information, cash card information, check card information, prepaid card information, electronic money information, etc.).
Wireless terminal, token, financial transaction

Description

Financial transaction processing method and system using wireless terminal number, financial transaction processing device, financial transaction terminal device, terminal device and recording medium Terminals for Financial Transaction, Devices and Recording Medium}

1 is a diagram illustrating a financial transaction processing system using a wireless terminal number according to the present invention.

2 illustrates a configuration of a system for providing a predetermined token agent to the customer wireless terminal according to an embodiment of the present invention.

3 is a diagram illustrating token agent information to be provided to a wireless terminal according to an embodiment of the present invention.

4 is a diagram illustrating token agent information to be provided to a wireless terminal according to an embodiment of the present invention.

5 is a diagram illustrating an exemplary process of providing and mounting a token agent program to a customer wireless terminal according to an exemplary embodiment of the present invention.

6 is a diagram illustrating an information configuration of wireless terminal information stored in the storage medium according to an embodiment of the present invention.

7 is a diagram illustrating an information configuration of token agent information stored in the storage medium according to an embodiment of the present invention.

8 is a diagram illustrating an information configuration of customer information stored in the storage medium according to an embodiment of the present invention.

9 is a diagram illustrating an information configuration of financial transaction information stored in the storage medium according to an embodiment of the present invention.

10 is a diagram illustrating an embodiment of a financial transaction processing system using a wireless terminal number according to an embodiment of the present invention.

11 is a diagram illustrating a functional configuration of a wireless terminal equipped with a token agent according to an embodiment of the present invention.

12 is a diagram illustrating a token code structure according to an embodiment of the present invention.

13 is a view showing the functional configuration of a financial transaction terminal according to an embodiment of the present invention.

14 illustrates an implementation process of applying a token code-based financial transaction to a card settlement system according to an embodiment of the present invention.

15 illustrates a full payment processing request for token code based payment processing according to an embodiment of the present invention.

16 illustrates an implementation process of applying a token code based financial transaction to a financial automation system according to an exemplary embodiment of the present invention.

17 illustrates an implementation process of applying a token code based financial transaction to an online payment system according to an embodiment of the present invention.

18 illustrates an implementation process of applying a token code based financial transaction to a wireless payment system according to an embodiment of the present invention.

19 is a diagram illustrating a token code operation process according to an embodiment of the present invention.

20 is a diagram illustrating a token code operation process according to an embodiment of the present invention.

21 is a diagram illustrating a token code operation process according to an embodiment of the present invention.

22 is a diagram illustrating a token code operation process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: token agent generating means 105: information storage means

110: storage medium 115: server

120: financial transaction processing means 125: information transmission means

130: information storage means 135: storage medium

140: network 145: financial transaction terminal

The present invention utilizes at least one financial transaction means information, the financial transaction means owned customer-owned wireless terminal information (and / or customer information) and the token generation program provided in the customer-owned terminal, In the financial transaction, by providing predetermined token code information generated by the token generation program provided in the customer-owned terminal from the predetermined financial transaction terminal to the financial transaction processing means (or the financial transaction processing means linking device or server) on the communication network, The present invention relates to a financial transaction processing method and system for processing a financial transaction according to whether the token code information is valid.

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

In particular, phishing is used to extract information about a person's financial transactions (e.g., authentication number, credit card number, account information, etc.) by eliciting or linking to an e-mail sent from a website such as a financial institution. To steal your domain or trick your domain name system (DNS) name to mislead users into real sites, pharming to steal personal information such as personal IDs, passwords, and account information, or from your keyboard As keyboard hacking to hack input key input information (eg, personal ID, password, account information, etc.) becomes a problem, a safer and more efficient method for financial transactions is being sought.

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

The present invention is derived to solve the above problems, at least one financial transaction means information and the financial transaction means owned customer-owned wireless terminal information (and / or customer information) and the token generation provided in the customer-owned terminal Information storage means for linking predetermined token generation program information for a program to a predetermined storage medium, and a token generation program provided in the client-owned terminal as a server on a communication network during a financial transaction of the customer owning the financial transaction means; Financial transaction means information linked to the customer-owned wireless terminal information in association with the financial transaction terminal and the storage medium (or storage medium operating means) for transmitting the generated predetermined token code information and the customer-owned wireless terminal information; Associated with the customer-owned wireless terminal information (and / or customer information) and / or financial transaction information; A server for authenticating the token generating program information, authenticating the validity of the token code using the verified token generating program information, and authenticating the validity of the financial transaction according to a result of validating the token code; The purpose of the present invention is to provide a financial transaction processing system including a financial transaction processing means for processing the financial transaction using the identified financial transaction means.

In addition, the present invention transmits the predetermined token code information generated by the token generation program provided in the customer-owned terminal and the customer-owned wireless terminal information during the financial transaction of the customer owning the predetermined financial transaction means in the predetermined financial transaction terminal If so, it is directly received or received through a predetermined server relay, and the financial transaction means information, the financial transaction means owned customer-owned wireless terminal information (and / or customer information) and the token generation provided in the customer-owned terminal Financial transaction means information associated with the customer-owned wireless terminal information and the customer-owned wireless in association with a predetermined storage medium (or storage medium operating means) for storing and managing predetermined token generation program information for a program. Token generation program information associated with the terminal information (and / or customer information) and / or financial transaction means information is checked Authenticating the validity of the token code using the verified token generation program information, authenticating the validity of the financial transaction according to the validity authentication result of the token code, and verifying the validity of the financial transaction. It is an object of the present invention to provide a financial transaction processing apparatus for processing the financial transaction using a financial transaction means.

In addition, the present invention processes a predetermined data transmission and reception with the financial transaction processing means (or financial transaction processing means linkage device or server) on the communication network, and the customer with the financial transaction processing means (or financial transaction processing means linkage device or server). When requesting a financial transaction approval, the financial unit transmits the customer-owned wireless terminal information and predetermined token code information generated by the client terminal to the financial transaction processing unit (or a financial transaction processing unit associated device or server) through the communication unit. The purpose is to provide a transaction terminal device.

In addition, the present invention in connection with the server on the communication network, receives a predetermined token generation program, using the predetermined code (or pin number or password) input by the user through a predetermined key input unit, the token generation program A terminal device which drives the token code generated by the token generation program in association with a predetermined output unit, or outputs the token code generated by the token generation program, or provides the generated token code to a predetermined terminal (or server) in cooperation with the communication processing unit; The purpose is to provide.

The present invention also provides a financial transaction means information data file for storing at least one financial transaction means information, a financial transaction means customer information data file for storing the financial transaction means customer information, and the financial transaction means owned customer. Provided to the financial transaction means-owned customer terminal and the financial transaction means-owned customer terminal for storing the wireless terminal information of the predetermined means for a predetermined token generation program provided in the financial transaction means-owned customer terminal. It is an object of the present invention to provide an information storage medium having a token generating program information data file for storing token generating program information.

Financial transaction processing method according to the present invention for achieving the above object, at least one or more financial transaction means information in the predetermined information storage means, the customer owned wireless terminal information (and / or customer information) and the customer A financial transaction means information storage step of storing predetermined token generation program information of a token generation program provided in the owning terminal in a predetermined storage medium, and during a financial transaction of the customer possessing the financial transaction means, a predetermined financial transaction terminal; Transmitting the predetermined token code information generated by the token generation program included in the customer-owned terminal and the customer-owned wireless terminal information to a financial transaction processing means (or a financial transaction processing means linking device or server) on a communication network; The financial transaction processing means (or financial transaction processing means associated device or server) In connection with a medium (or storage medium operating means), the financial transaction means information associated with the customer-owned wireless terminal information, and the customer-owned wireless terminal information (and / or customer information) and / or financial transaction means information associated with An information verification step of confirming token generating program information, and authenticating the token code using the verified token generating program information in the financial transaction processing means (or the financial transaction processing means linking device or server), and A financial transaction authentication step of authenticating the validity of the financial transaction in accordance with the validity authentication result of the token code, and the financial transaction processing means using the identified financial transaction means in accordance with the validity authentication result in the financial transaction processing means. It characterized in that it comprises a financial transaction processing step.

According to an embodiment of the present invention, the financial transaction preferably includes an offline financial transaction and / or an online financial transaction.

In addition, the financial transaction preferably includes at least one or more payment processing financial transactions on-line and / or online, account transfer financial transactions on-line and / or online, and cash withdrawal financial transactions on-line. .

According to an embodiment of the present invention, the financial transaction means preferably includes at least one financial account, a credit card, a debit card, a cash card, a check card, a prepaid card, and an electronic money.

According to an embodiment of the present invention, the financial transaction terminal includes at least one payment terminal including the customer-owned wireless terminal or wired terminal, a financial transaction automation processing device such as CD / ATM, and a CAT terminal or a POS terminal. It can be done by.

According to the present invention, the customer-owned terminal, may comprise a wireless terminal and / or wired terminal.

According to the present invention, the financial transaction processing method may further comprise a token generating program providing step of providing a predetermined token generating program from the predetermined token generating program providing means to the predetermined financial transaction means owning customer terminal.

According to the present invention, the financial transaction processing method, predetermined financial transaction processing history (or payment approval full text) data corresponding to the financial transaction processing in a predetermined information transmission means owns the financial transaction terminal (or owned by the financial transaction means). It may be configured to further include an information transmission step for transmitting to a customer wireless terminal or a wired terminal).

Here, the information transmitting step, the financial transaction processing history (or payment approval specialized) data via a predetermined relay server, such as a VAN company server to the financial transaction terminal (or the financial transaction means owned customer wireless terminal or wired terminal) It is desirable to send to.

According to the present invention, the financial transaction processing method, the predetermined financial information processing means (or payment approval full text) data corresponding to the financial transaction processing in the predetermined information storage means the financial transaction means information (and / or customer information) ) May further include a financial transaction processing history storage step of storing the transaction in a predetermined storage medium.

According to the implementation method of the present invention, the financial transaction authentication step, when the financial transaction terminal or the wireless terminal further provides at least one or more authentication information (or secret code) associated with the financial transaction means, the authentication information ( Or a secret code) in the validity verification of the financial transaction.

According to the present invention, the financial transaction processing method further comprises the step of receiving predetermined financial transaction information from a server on a communication network at the financial transaction terminal or the financial transaction means owning customer wireless terminal when the financial transaction is made online. Can be configured to

According to the implementation method of the present invention, the financial transaction authentication step, by generating a predetermined token authentication code corresponding to the received token code with reference to the token generation program information, by comparing the token code and token authentication code Characterize the validity of the token code.

According to another exemplary embodiment of the present invention, the financial transaction processing method may include at least one or more financial transaction means information and wireless terminal information (and / or customer information) owned by the financial transaction means owned by the predetermined information storage means and the customer. Storing the financial transaction means information in association with predetermined token generation program information for the token generation program provided in the owning wireless terminal in a predetermined storage medium, and in the financial transaction of the customer possessing the financial transaction means, Transmitting predetermined token code information generated by a token generating program included in the customer-owned terminal from a terminal to a financial transaction processing means (or a financial transaction processing means linking device or a server) on a communication network; Or the storage medium (or storage medium transportation) in a financial transaction processing means connection device or server. The financial transaction means information associated with the customer-owned wireless terminal information and the token generation program information associated with the customer-owned wireless terminal information (and / or customer information) and / or the financial transaction information. And verifying the validity of the token code by using the verified token generation program information in the financial transaction processing means (or the financial transaction processing means associated device or the server), and the validity authentication result of the token code. The financial transaction authentication step of authenticating the validity of the financial transaction and the financial transaction processing step of processing the financial transaction using the identified financial transaction means in accordance with the validity verification result in the financial transaction processing means. It is characterized by comprising.

The financial transaction processing method may further include receiving or confirming the wireless terminal information in connection with a server on a communication network in the financial transaction processing means (or the financial transaction processing means linking device or the server). Can be.

In addition, the present invention is characterized in that it comprises a recording medium recording a computer-readable program for executing the at least one financial transaction processing method described above.

On the other hand, the financial transaction processing system according to the present invention for realizing the above-described financial transaction processing method, at least one or more financial transaction means information, the wireless terminal information (and / or customer information) owned by the financial transaction means owned customer and the customer Information storage means for linking predetermined token generation program information of the token generation program provided in the owning terminal to a predetermined storage medium, and the server owned by the server on a communication network during a financial transaction of the customer owning the financial transaction means. Linked with the customer-owned wireless terminal information in association with the financial transaction terminal and the storage medium (or storage medium operating means) for transmitting the predetermined token code information generated by the token generation program included in the mobile terminal and the customer-owned wireless terminal information. Financial instrument information, the customer-owned wireless terminal information (and / or customer information) and / or gold Check the token generation program information associated with the means for fusion transaction, and verify the validity of the token code by using the confirmed token generation program information, and according to the validation result of the token code, the validity of the financial transaction And a financial transaction processing means for processing the financial transaction using the identified financial transaction means according to the server for authenticating the validity and the validity verification result.

According to the method of the present invention, the server is preferably included in or connected to the financial transaction processing means.

According to the present invention, the financial transaction processing system may be configured to further include a token generating program providing means for providing a predetermined token generating program to a predetermined financial transaction means customer terminal.

According to the present invention, the financial transaction processing system, predetermined financial transaction processing history (or payment approval professional) data corresponding to the financial transaction processing the financial transaction terminal (or financial transaction means owned customer wireless terminal or wired terminal) It may be configured to further include information transmitting means for transmitting to).

Here, the information transmission means, the financial transaction processing history (or payment approval full text) data via the predetermined relay server, such as a VAN company server, the financial transaction terminal (or the wireless transaction means owned customer wireless terminal or wired terminal) Is preferred.

According to the present invention, the financial transaction processing system, predetermined financial transaction processing history (or payment approval professional) data corresponding to the financial transaction processing in conjunction with the financial transaction means information (and / or customer information) predetermined It may be configured to further include information storage means for storing in the storage medium.

According to an embodiment of the present invention, the server further authenticates the validity of the authentication information (or secret code) when the financial transaction terminal further provides at least one or more authentication information (or secret code) associated with the financial transaction means. May be included in the validity verification of the financial transaction.

According to an embodiment of the present invention, the financial transaction terminal may receive predetermined financial transaction information from a server on a communication network when the financial transaction means is used online.

According to an embodiment of the present invention, the server receives the token with reference to the token generation program information associated with the financial transaction means information and / or the financial transaction means customer information (and / or customer-owned wireless terminal information). It is preferable to generate a predetermined token authentication code corresponding to the token code, and compare the token code and the token authentication code to authenticate the validity of the token code.

According to another exemplary embodiment of the present invention, the financial transaction processing system may include at least one financial transaction means information, the financial transaction means-owned customer-owned wireless terminal information (and / or customer information), and a token provided in the customer-owned terminal. Information storage means for linking predetermined token generation program information for a generation program to a predetermined storage medium, and a token generation program provided to the customer-owned terminal as a server on a communication network during a financial transaction of the customer possessing the financial transaction means; Financial transaction means information associated with the customer-owned wireless terminal information in association with the customer-owned wireless terminal and the storage medium (or storage medium operating means) for transmitting the predetermined token code information generated in Token generation program information associated with information (and / or customer information) and / or financial instrument information Confirming, authenticating the validity of the token code using the verified token generating program information, and according to the server and the validity authentication result for authenticating the validity of the financial transaction, according to the validity authentication result of the token code, It may include a financial transaction processing means for processing the financial transaction using the identified financial transaction means.

According to the present invention, each means provided in the financial transaction processing system is provided in a single server (or device), or is provided in a plurality of servers (or devices).

According to the present invention, the respective means included in the financial transaction processing system is included in or connected to the financial transaction processing means.

On the other hand, the financial transaction processing apparatus for processing a financial transaction in accordance with the present invention, when a financial transaction of a customer owning a predetermined financial transaction means in a predetermined financial transaction terminal, a predetermined generated by the token generation program provided in the customer-owned terminal Token code information and the customer-owned wireless terminal information of the transmission unit, receiving it directly or through a predetermined server relay, the financial transaction means information and the financial transaction means owned customer owned wireless terminal information (and And / or customer information) and a predetermined storage medium (or storage medium operating means) for storing and managing predetermined token generation program information for a token generation program provided in the customer-owned terminal. Financial transaction means information associated with terminal information, the customer-owned wireless terminal information (and / or customer information) and / or An information verification unit for verifying token generation program information associated with the fusion transaction means information, and the validity of the token code is authenticated using the verified token generation program information, and according to the validation result of the token code, A financial transaction certification unit for authenticating the validity of a financial transaction and a financial transaction processing unit for processing the financial transaction using the identified financial transaction means may be provided.

According to the present invention, the financial transaction processing apparatus may be configured to further include a token generation program providing unit for providing a predetermined token generation program to the customer terminal.

According to the present invention, the financial transaction processing apparatus is configured to transfer predetermined financial transaction processing history (or payment approval) text data corresponding to the financial transaction processing to the financial transaction terminal (or the wireless transaction means-owned customer wireless terminal or wired terminal). It may be configured to further include an information transmission unit for transmitting to.

According to the present invention, the financial transaction processing apparatus stores predetermined financial transaction processing history (or payment approval text) data corresponding to the financial transaction processing in association with the financial transaction means information (and / or customer information). It may be configured to further include an information storage unit for storing in the medium.

According to the exemplary embodiment of the present invention, the authentication unit provided in the financial transaction processing apparatus further transmits at least one authentication information (or secret code) associated with the financial transaction means from the financial transaction terminal. Or secret code) may be included in the validity verification of the financial transaction.

The authentication unit may generate a predetermined token authentication code corresponding to the received token code by referring to the token generation program information, and compare the token code and the token authentication code to authenticate validity of the token code. Can be.

According to the present invention, the financial transaction processing device is made of a single device (or server) or a plurality of devices (or servers).

According to another exemplary embodiment of the present invention, the financial transaction processing apparatus transmits predetermined token code information generated by a token generating program included in the customer-owned terminal during a predetermined financial transaction in a financial transaction customer wireless terminal. Receiving unit for receiving this directly or through a predetermined server relay, the financial means information and the financial means owned customer owned wireless terminal information (and / or customer information) and the token generation provided in the customer owned terminal Financial transaction means information associated with the customer-owned wireless terminal information and the customer-owned wireless in association with a predetermined storage medium (or storage medium operating means) for storing and managing predetermined token generation program information for a program. Token generation program information associated with the terminal information (and / or customer information) and / or financial instrument information A financial transaction authentication unit and the validity of authenticating the validity of the token code by using an information confirmation unit, the verified token generation program information, and according to the validation result of the token code According to the authentication result, it may be provided with a financial transaction processing unit for processing the financial transaction using the identified financial transaction means.

Here, the receiving unit or the confirming unit may receive or confirm the wireless terminal information in association with a server on a communication network.

According to another exemplary embodiment of the present invention, the financial transaction processing apparatus includes a communication unit for processing a data transmission and reception with a financial transaction processing means (or a financial transaction processing means linking device or a server) on a communication network and the financial transaction processing means ( Or when the customer requests a financial transaction approval to a financial transaction processing means linking device or server, the wireless terminal information and the customer terminal owned by the financial transaction processing means (or financial transaction processing means linking device or server) through the communication unit. It may be provided with a token code processing unit for transmitting the predetermined token code information generated by.

Further, according to the present invention, the financial transaction processing apparatus is characterized in that it comprises a recording medium on which a program for executing the functions of the at least one or more device components is recorded.

On the other hand, the terminal device for generating a token code through a predetermined token generation program according to the present invention, in connection with the server on the communication network, the user inputs through a communication processing unit for receiving a predetermined token generation program and a predetermined key input unit By using a predetermined code (or pin number or password), the token generating program is driven, and the token code generated by the token generating program is output in conjunction with a predetermined output unit, or in conjunction with the communication processing unit. The controller may be configured to provide the generated token code to a predetermined terminal (or server).

According to an embodiment of the present invention, the communication processing unit may further receive predetermined financial transaction information from a server (or device) on a communication network.

According to the invention, the terminal device is characterized in that it comprises a recording medium on which a program for executing the functions of at least one or more device components described above is recorded.

Meanwhile, the information storage medium required for realizing the present invention includes a financial transaction means information data file for storing at least one financial transaction means information, and financial transaction means owned customer information data for storing the financial transaction means owned customer information. A file provided with the financial transaction means-owned customer wireless terminal information data file and the financial transaction means-owned customer terminal that stores the wireless terminal information of the financial transaction means-owned customer, or is provided in the financial transaction means-owned customer terminal. And a token generating program information data file for storing predetermined token generating program information for the predetermined token generating program.

Preferably, the at least one financial transaction means information data file, the financial transaction means owned customer information data file, the financial transaction means owned customer wireless terminal information data file, and the token generating program information data file are interconnected and processed. Characterized in that for storing.

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.

In the present invention, each means constituting the financial transaction processing system using the wireless terminal number is a program (e.g., recorded on a recording medium provided in a predetermined server according to unique characteristics (or roles) defined in the means). A program comprising at least one function unit (Function) for performing a unique function (or role) of each means, and / or configured as an independent server performing a unique function defined in the means. (For example, a plurality of server systems interworked with each other via a predetermined server-to-server interface), and the preferred embodiments of the present invention described below are described in order to effectively describe the technical components of the present invention. The means are recorded on a recording medium provided in a predetermined server and / or through a plurality of interoperable servers. Would be described as the display, but are not limited to the exemplary method of the device, if more than the embodiment in no way. In addition, the following embodiment uses an implementation method in which a predetermined token generation program is mounted on a customer wireless terminal, whereby the token generation program is referred to as a token agent and / or a token agent program for convenience. In addition, the terms used in the following embodiments will be used appropriately modified according to the field to which the token code-based financial transactions according to the present invention is applied, whereby the present invention is not limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a financial transaction processing system using a wireless terminal number according to the present invention.

In more detail, FIG. 1 illustrates a predetermined token generation program for at least one or more financial transaction information, the financial transaction-owned customer-owned wireless terminal information (and / or customer information), and a token generation program provided in the customer-owned terminal. Information storage means 105 for storing information in a predetermined storage medium 110 in association with the information, and during the financial transaction of the customer owning the financial transaction means, a server on the communication network generated by the token generation program provided in the customer-owned terminal In connection with the financial transaction terminal 145 for transmitting predetermined token code information and the customer-owned wireless terminal information, and the storage medium 110 (or storage medium 110 operating means), the customer-owned wireless terminal information and Token generation program associated with the financial means information associated with the information, the customer-owned wireless terminal information (and / or customer information) and / or financial means information A server for verifying information, authenticating the validity of the token code using the verified token generating program information, and authenticating the validity of the financial transaction according to the validity authentication result of the token code, and the validity authentication result According to the financial transaction processing system, characterized in that it comprises a financial transaction processing means 120 for processing the financial transaction using the identified financial transaction means.

Referring to FIG. 1, the financial transaction processing system may further include a token generating program providing means for providing a predetermined token generating program to a predetermined financial transaction owning customer terminal.

In addition, the financial transaction processing system transmits predetermined financial transaction processing history (or payment approval specialized text) data corresponding to the financial transaction processing to the financial transaction terminal 145 (or the wireless transaction means-owned customer wireless terminal or wired terminal). It is preferable that the information transmitting means 125 is further provided, and the information transmitting means 125 transmits the financial transaction processing history (or payment approval text) data through a predetermined relay server such as a VAN company server. It is preferable to transmit to the financial transaction terminal 145 (or the financial transaction means owned customer wireless terminal or wired terminal).

In addition, the financial transaction processing system connects predetermined financial transaction processing history (or payment authorization) data corresponding to the financial transaction processing with the financial transaction means information (and / or customer information), and stores a predetermined storage medium 135. It is preferable that the information storage means 130 to be stored further).

According to the embodiment of the present invention, the server for authenticating the validity of the token code is preferably included in or connected to the financial transaction processing means 120. That is, the server is included as a functional configuration for authenticating the token code of the financial transaction processing means 120 for processing a predetermined financial transaction, or the financial transaction processing means 120 for processing a predetermined financial transaction In the process it is possible to be configured as a server (or device) to authenticate the validity of the token code.

According to an embodiment of the present invention, the financial transaction preferably comprises an offline financial transaction, and / or an online financial transaction, and / or an offline and / or online payment processing financial transaction; It is preferable to include at least one or more of the account transfer financial transactions on-line and / or online, and cash withdrawal financial transactions on the offline.

According to an embodiment of the present invention, the financial transaction means preferably comprises a financial account, a credit card, a debit card, a cash card, a check card, a prepaid card, and at least one electronic money.

According to an embodiment of the present invention, the financial transaction terminal 145 includes at least one payment terminal including the customer-owned wireless terminal or a wired terminal, a financial transaction automation processing device such as a CD / ATM, and a CAT terminal or a POS terminal. It is preferable to comprise as mentioned above.

In addition, the customer-owned terminal may be a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal and / or a Personal Digital Cellular (PDC) and / or Personal Handyphone (PHS). System) and / or at least one personal digital assistant (PDA) and / or smart phone and / or telematics and / or wireless data communication terminal and / or portable internet terminal. It is preferable to include a wireless terminal that includes, and / or preferably comprises a wired terminal including at least one or more of a personal computer (PC) and / or laptop.

According to one embodiment of the invention, the server further provides at least one or more authentication information (or secret code) associated with the financial transaction means in the financial transaction terminal 145, the authentication information (or secret code) Preferably, the validity authentication of the financial transaction is included in the validity authentication of the financial transaction, and the financial transaction terminal 145 preferably receives predetermined financial transaction information from a server on a communication network when using the financial transaction means online. .

Further, the server refers to the token generation program information associated with the financial transaction means information and / or the financial transaction means owned customer information (and / or customer owned wireless terminal information), and corresponds to the predetermined token code corresponding to the received token code. It is preferable to generate a token authentication code of, and to verify the validity of the token code by comparing the token code and the token authentication code.

Another financial transaction processing system of the present invention with reference to Figure 1 is at least one or more financial transaction information and the financial means owned customer-owned wireless terminal information (and / or customer information) and the token generation program provided in the customer-owned terminal Information storage means 105 for storing the predetermined token generation program information associated with the information stored in the predetermined storage medium 110, and the server on the communication network in the customer-owned terminal during the financial transaction of the customer owning the financial transaction means A customer-owned wireless terminal for transmitting the predetermined token code information generated by the token generation program, and the storage medium 110 (or the storage medium 110 operating means), the customer-owned wireless terminal information associated with the Token generation program associated with financial transaction means information, the customer-owned wireless terminal information (and / or customer information) and / or financial transaction means information Checking the information, authenticating the validity of the token code using the verified token generating program information, and verifying the validity of the financial transaction according to the validity authentication result of the token code, and the validity authentication result. Accordingly, the financial transaction processing means 120 for processing the financial transaction using the identified financial transaction means; is made.

2 illustrates a configuration of a system for providing a predetermined token agent to the customer wireless terminal 1100 according to an embodiment of the present invention.

In more detail, FIG. 2 provides a token agent program provided to a customer wireless terminal 1100 owning at least one financial transaction means and is mounted thereon, wherein the at least one financial transaction information, the customer wireless terminal information, and the token agent are provided. As a preferred embodiment of the token agent providing system for storing information in a predetermined storage medium 110, it will be easily described by those skilled in the art to the technical features of the present invention. 1 shows a token transaction program issuing server 200 for issuing a predetermined financial transaction means to a predetermined customer by the token agent providing system and a predetermined token agent program to the customer wireless terminal 1100. Token agent providing server 215 to be mounted, and the token mounted on the customer wireless terminal 1100 It will be described by including an information storage server 235 for storing in a predetermined storage medium 110 in association with agent information, the customer wireless terminal information and at least one financial transaction means information issued to the customer. . However, technical features of the token agent providing system are not limited to those illustrated in FIG. 2, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to the financial transaction means issuing server with reference to FIG. 2. It is easy to infer a method of implementing various token agent providing systems in which the 200 and the token agent providing server 215 and the information storage server 235 are constituted by one server and / or are composed of at least two or more servers. You can do it.

The financial transaction means issuing server 200 is a financial account financial transaction means, credit card financial transaction means, debit card financial transaction means, cash card financial transaction means, check card financial transaction means, prepaid card financial transaction means And a server provided in a bank and / or a financial company for issuing a financial transaction means including at least one electronic money financial transaction means to the customer. Referring to FIG. 2, at least one financial transaction means is provided to the customer. Issuing financial transaction means issuing unit 205, and financial transaction means information D / B (210) for storing in association with the at least one financial transaction means information and the customer information issued to the customer.

The financial transaction means issuing unit 205 obtains predetermined customer information about the customer through a predetermined financial transaction means issuing interface 250 and / or issues the customer to the customer based on the obtained customer information. Generate at least one financial transaction instrument information, store the financial transaction instrument information in a DBMS provided in a predetermined financial system, and / or print the financial transaction instrument information in a predetermined account book and / or a predetermined card Characterized in that it is stored and issued in a medium (eg, an MS card and / or an IC card) and / or a wireless chip medium (eg, an IC chip mounted or detached from the customer wireless terminal 1100).

According to the exemplary embodiment of the present invention, the method for acquiring the customer information about the customer by the financial transaction means issuing unit 205 may be provided with the customer information through a document including a predetermined customer information entry form. It is preferable to include a method of using the financial transaction means issuing interface 250 obtained in an offline manner through a predetermined information input means (for example, an information input terminal), and / or a predetermined customer terminal used by the customer ( For example, a financial transaction means issuing interface 250 for providing a predetermined customer information input interface to a customer-owned wired terminal and / or a customer-owned wireless terminal) and acquiring the customer information online through the customer information input interface. It is preferable to include the method of using.

In addition, the financial transaction means issuing unit 205 reads the obtained customer information (for example, credit rating of the customer) to generate at least one financial transaction means information to be issued to the customer, and the generated financial transaction means Preferably, the information is stored in a DBMS provided in a predetermined financial system, and / or the financial transaction information is printed on a predetermined account book or stored on a predetermined card medium and / or wireless chip medium and issued to the customer. .

When at least one financial transaction means is issued to the customer as described above, the financial transaction means issuing unit 205 associates the customer information with at least one financial transaction means information issued to the customer to the financial transaction means information D. / B 210 to store.

Referring to FIG. 2, the token agent providing server 215 may include a token agent D / B 225 for storing at least one token agent corresponding to at least one customer wireless terminal platform, and the token agent D / B ( And an agent providing unit 220 for providing and mounting a predetermined token agent stored in the customer wireless terminal 225, and the token provided in the customer wireless terminal by the agent providing unit 220. It is preferable to further comprise a token agent diagnostic unit for diagnosing the validity of the agent.

The token agent D / B 225 stores at least one token agent program capable of operating in correspondence with a predetermined customer wireless terminal platform, and token agent related information corresponding to the token agent program. Detailed description of the token agent D / B 225 will be described with reference to FIG. 5.

The agent providing unit 220 extracts a predetermined token agent program corresponding to a platform provided in the customer wireless terminal 1100 from the token agent D / B 225, and / or at least one token generating information. To dynamically generate a predetermined token agent program executable on the platform provided in the customer wireless terminal 1100, and through the predetermined token agent providing interface 255, the token agent program and / or the token agent program At least one token generation information associated with the service is provided to the customer wireless terminal 1100 and mounted thereon.

In order for the agent provider 220 to provide a predetermined token agent program to the customer wireless terminal 1100, the customer wireless terminal information is required, and the customer wireless terminal information is transmitted to the customer wireless terminal 1100. It is provided by the subject requesting to mount it by providing it.

According to one embodiment of the invention, the financial transaction means issuing server 200 issuing at least one financial transaction means to the customer, and / or after issuing at least one financial transaction means to the customer, To provide and mount the token agent program to the customer wireless terminal 1100 in which the financial transaction means was issued to the token agent providing server 215 to process the financial transaction using the wireless terminal number based on the token code. The financial transaction means issuing server 200 provides the customer wireless terminal information included in the customer information to the agent providing unit 220 of the token agent providing server 215.

According to another exemplary embodiment of the present invention, the customer accesses the token agent providing server 215 through a predetermined customer terminal (eg, a customer-owned wired terminal and / or a wireless terminal), and wirelessly based on a token code. It is preferable to provide the customer wireless terminal information to the token agent providing server 215 for the financial transaction processing using the terminal number.

When the token agent program is provided and the customer wireless terminal information provided therein is provided, the agent provider 220 checks the platform of the customer wireless terminal 1100 based on the customer wireless terminal information. For example, when the customer wireless terminal 1100 is a mobile communication terminal connected to a predetermined mobile communication network, the agent providing unit 220 may use the subscriber D / B (e.g., provided on the mobile communication network) using the wireless terminal information. For example, the wireless terminal platform may be identified by referring to a home location register (HLR) or a visitor location register (VLR) (not shown).

When the customer wireless terminal 1100 platform is confirmed as described above, the agent provider 220 extracts a predetermined token agent program corresponding to the wireless terminal 1100 platform from the token agent D / B 225, And / or at least one token generation information.

In addition, the agent providing unit 220 extracts at least one token generation information corresponding to the token agent program from the token agent D / B 225, and the extraction (and / or dynamically generated) token agent The client wireless terminal 1100 through a predetermined token agent providing interface 255 (eg, the wireless network 140 to which the customer wireless terminal 1100 is connected) in association with a program and / or the extracted at least one token generation information. ), The token agent program is mounted in the customer wireless terminal 1100.

According to an embodiment of the present invention, the token agent program may be both mounted on the customer wireless terminal 1100 platform and / or mounted on an IC chip mounted or detached from the wireless terminal 1100. The present invention is not limited thereto.

The token agent program provided to and mounted on the customer wireless terminal 1100 according to the present invention may include at least one token code generation method including a time-synchro and a challenge-response method. The present invention is not limited by the token code generation method.

When the token agent program is mounted on the customer wireless terminal 1100 as described above, the token agent diagnosis unit diagnoses whether the token agent program mounted on the wireless terminal 1100 operates normally in cooperation with the customer wireless terminal 1100. Characterized in that.

According to one embodiment of the invention, the method for diagnosing the token agent program mounted on the customer wireless terminal 1100, the token agent program mounted on the customer wireless terminal 1100 is a predetermined diagnostic token code When generating and providing the token agent diagnosis unit, the token agent diagnosis unit generates a predetermined diagnostic token authentication code corresponding to the received token code, and compares the received token code with the generated token authentication code. It is preferable to diagnose the validity of the token agent program mounted on the customer wireless terminal 1100.

According to the present invention, the token agent providing server 215 performs a function of a token generating program providing means for providing and mounting a predetermined token agent program to the customer wireless terminal 1100.

As described above, when a predetermined token agent program is normally provided and mounted to the customer wireless terminal 1100, the information storage server 235 may be provided with at least one financial transaction issued by the financial transaction means issuing server 200 to the customer. The means information, predetermined wireless terminal information on the customer wireless terminal 1100, and token agent information loaded on the customer wireless terminal 1100 are stored in a predetermined storage medium 110 in association with each other.

Referring to FIG. 2, the information storage server 235 may include at least one financial transaction information and / or customer information (eg, customer wireless terminal information) issued to the customer from the financial transaction information D / B 210. And extract the token agent information and / or the customer wireless terminal information provided and mounted to the customer wireless terminal 1100 from the token agent D / B 225 and / or the customer wireless terminal information. And an information storage unit which stores the extracted at least one financial transaction means information, the customer wireless terminal information, and the token agent information provided and mounted on the customer wireless terminal 1100 in a predetermined storage medium 110. It characterized by including (245).

According to the present invention, the information storage server 235 may include at least one or more financial transaction information, the financial transaction means customer wireless terminal information, and predetermined token agent information for the token agent program provided in the wireless terminal 1100. It performs the function of the information storage means 105 for storing in the predetermined storage medium 110 in association with.

3 is a diagram illustrating token agent information to be provided to the wireless terminal 1100 according to an embodiment of the present invention.

In more detail, Figure 3 is a predetermined token agent for generating a time-synchoken token code, the predetermined token for each platform corresponding to the platform of the wireless terminal 1100 on which the token agent is to be mounted As an example of attribute information on an agent, the token agent information includes a token agent program (or source code to be compiled into a token agent program) corresponding to each platform, a version of the token agent, and a token generation algorithm. And at least one token generation information, and / or a token renewal cycle, at least one information item may be further included according to the intention of the person skilled in the art, and the present invention is not limited to the information item. .

According to the present invention, the token agent program is mounted on the wireless terminal 1100 owned by the customer, and generates a predetermined token code, whereby the token agent program is the customer wireless terminal 1100 platform. It characterized in that it comprises a program code that can be driven and / or operated in. For example, if the wireless terminal 1100 is equipped with a WIPI (Wireless Internet Platform for Interoperability) platform, the token agent includes a program code that operates on a WIPI basis, and the other platform (eg, GVM / SK-VM). / BREW, etc.) is included, the program code running on the platform is included.

In FIG. 3, the token agent program is provided in the token agent D / B 225 in the form of a precompiled program, and / or the token agent D / B 225 in the form of source code to be compiled. It is characterized in that stored in.

When the token agent program is provided in the token agent D / B 225 in the form of a precompiled program according to an embodiment of the present invention, the token agent providing server 215 establishes a predetermined wireless network 140. At the time of providing and mounting the token agent program to the wireless terminal 1100, at least one or more token generation information corresponding to the token agent program (for example, a number randomly generated by the token agent providing server 215) Secret key value corresponding to the same) is provided together with the wireless terminal 1100 and stored in a predetermined storage device, wherein the token agent program mounted in the wireless terminal 1100 generates a predetermined token code. At this point, the token agent program may be configured to store the token agent external storage device (e.g., a wireless terminal). Extracting at least one token generation information from the memory unit of 1100, and / or the memory unit () provided in the IC chip mounted or detached from the wireless terminal 1100, and based on the token generation information It is desirable to generate a token code.

According to another embodiment of the present invention, when the token agent program is stored in the token agent D / B 225 in the form of source code to be compiled, the token agent providing server 215 at the wireless terminal 1100. At the time of providing the token agent program, at least one token generation information corresponding to the token agent program (for example, a secret key value corresponding to a randomly generated number by the token agent providing server 215) is obtained. Substituting the token generation information variable included in the token agent source code, and generates a predetermined token agent program by compiling the token agent source code of at least one token generation information is substituted into a predetermined token generation information variable as described above The token agent program generated dynamically as described above. Definition It is preferable to provide the wireless terminal 1100 through the wireless network 140 and to be mounted, and at the time when the token agent program mounted on the wireless terminal 1100 generates a predetermined token code, the token agent The program preferably generates a predetermined token code based on the token generation information inserted into the token agent program internal variable.

According to another exemplary embodiment of the present invention, even when at least one token generation information is substituted into the token agent program as described above, the dynamically generated token agent program is provided to the wireless terminal 1100 according to the intention of a person skilled in the art. At the time of mounting, at least one other token generation information is provided together with the wireless terminal 1100 and stored in a predetermined storage device, and the token agent program mounted on the wireless terminal 1100 is assigned a predetermined token code. At the time of generating the token, it is possible to generate a predetermined token code using both the token generation information provided in the token agent program and the token generation information provided in the external storage device, thereby limiting the present invention. It doesn't work.

The version of the token agent information includes version information of the token agent program for each platform to be provided to the wireless terminal 1100.

According to the embodiment of the present invention, even if the same kind of token agent program (for example, a token agent program operating on the same platform), the type and / or version of the token generation algorithm applied according to the version of the token agent program may be different. And, as a result, the token code generated by the token agent program will also vary, so that the version information provides information for accurately determining the token agent mounted on the wireless terminal 1100. It is possible to minimize the token code authentication error that may occur in the process of authenticating the predetermined token code generated in the wireless terminal 1100 by the version information of the token code agent program.

The token generation algorithm of the token agent information includes hashing algorithm information applied to the token agent program and / or detailed attribute information of the hashing algorithm. Currently, the most commonly used hashing algorithms for generating tokens are MD4, MD5, SHA, and the like, and hashing algorithms (eg, SHA1 hashing algorithms modified from SHAs), which are modified from the hashing algorithm, are used according to application fields. .

The token generation information of the token agent information is information for generating a token code of a time synchronous method. Referring to FIG. 3, the token code generation information indicates a time (or time) at which the token code is generated. According to the implementation method, a secret key value corresponding to a value randomly generated by the token agent providing server 215 and / or a MIN / ESN uniquely assigned to the wireless terminal 1100 on which the token agent is mounted. Is preferably used as the second generation information and / or the third generation information.

Referring to one embodiment of the present invention, when the token agent uses MIN / ESN of the wireless terminal 1100 as token generation information for generating a predetermined token code, the MIN / ESN is used as token generation information as it is. It is possible to use a predetermined hash function in the MIN / ESN in order to prevent the token agent from overflowing in the process of generating the token code by having the MIN / ESN value too large. It is possible to apply and convert to a value within a certain size, which is determined according to the intention of those skilled in the art and / or the computing power of the wireless platform.

The token update period of the token agent information is a time interval in which a predetermined token code generated by the token agent is volatilized and invalidated in time when the token generation algorithm follows a time synchronization scheme. If it is difficult to transmit the time (or time) information generated with the token code with the token code in the process of transmitting the to the financial transaction server 1000, the wireless terminal 1100 and the financial transaction server 1000 It is used to synchronize token generation time (or time) information for a certain period of time. That is, the token code generated by the token agent is transmitted to the predetermined financial transaction server 1000 within the token update period, and the predetermined token authentication code corresponding to the token code is generated by the financial transaction server 1000. Should be. That is, after a predetermined token code is generated in the token agent provided in the wireless terminal 1100, when a predetermined token authentication code is generated within the talk update period in the financial transaction server 1000, the token code is included in the token code. Is validated. Accordingly, the token update period may include a time required to provide the token code generated by the wireless terminal 1100 to a predetermined payment terminal, a time required to transmit the token code to the financial transaction server 1000, and The financial transaction server 1000 may determine the time taken to generate a predetermined token authentication code.

According to another exemplary embodiment of the present invention, the token generation algorithm follows a time synchronization scheme and it is easy to transmit the time (or time) information at which the token code is generated in the token agent to the financial transaction server 1000. In this case, the token update period may be omitted, or may be set at very short time intervals.

4 illustrates token agent information to be provided to the wireless terminal 1100 according to an exemplary embodiment of the present invention.

In more detail, Figure 4 is a predetermined token agent for generating a challenge-response token code, and each platform corresponding to the platform of the wireless terminal 1100 on which the token agent is to be mounted is predetermined. As an example of attribute information on a token agent, the token agent information includes a token agent program (or source code to be compiled into a token agent program) corresponding to each platform, a version of the token agent, and a token generation. It comprises an algorithm and at least one token generation information, at least one or more information items may be further included according to the intention of those skilled in the art, the invention is not limited by the information items.

According to the present invention, the token agent program is mounted on the wireless terminal 1100 owned by the customer, and generates a predetermined token code, whereby the token agent program is the customer wireless terminal 1100 platform. It characterized in that it comprises a program code that can be driven and / or operated in. For example, if the wireless terminal 1100 is equipped with a WIPI (Wireless Internet Platform for Interoperability) platform, the token agent includes a program code that operates on a WIPI basis, and the other platform (eg, GVM / SK-VM). / BREW, etc.) is included, the program code running on the platform is included.

4, the token agent program D / B 225 is provided in the token agent D / B 225 in the form of a precompiled program, and / or in the form of source code to be compiled. It is characterized in that stored in.

According to an embodiment of the present invention, the token agent program is provided in the token agent D / B 225 in the form of a precompiled program, and the token agent program generates the token code from a predetermined server 115. Receive a predetermined challenge value as token generation information for the token agent providing server 215 provides the token agent program to the customer wireless terminal 1100 through a predetermined wireless network 140 Preferably, the token agent program installed in the wireless terminal 1100 generates a predetermined token code, and the token agent program is based on a predetermined challenge value received from the server 115. It is desirable to generate a predetermined token code.

According to another exemplary embodiment of the present invention, when the token agent program is provided in the token agent D / B 225 in the form of a precompiled program, a predetermined wireless network 140 is provided by the token agent providing server 215. At the time of providing and mounting the token agent program to the wireless terminal 1100 through at least one or more token generation information corresponding to the token agent program (for example, randomly generated by the token agent providing server 215). Secret key value corresponding to a number) is provided together with the wireless terminal 1100 and stored in a predetermined storage device, and the token agent program installed in the wireless terminal 1100 generates a predetermined token code. At the point of time, the token agent program is connected to a predetermined challenge value received from the server 115. At least one token generation information may be obtained from the token agent external storage device (eg, a memory unit of the wireless terminal 1100 and / or a memory unit () of an IC chip mounted or detached from the wireless terminal 1100). It is preferable to extract and generate a predetermined token code based on the token generation information.

According to another exemplary embodiment of the present invention, when the token agent program is stored in the token agent D / B 225 in the form of source code to be compiled, the token agent providing server 215 at the wireless terminal 1100. At the time of providing the token agent program, at least one token generation information corresponding to the token agent program (for example, a secret key value corresponding to a randomly generated number by the token agent providing server 215) is obtained. Substituting the token generation information variable included in the token agent source code, and generates a predetermined token agent program by compiling the token agent source code of at least one token generation information is substituted into a predetermined token generation information variable as described above And dynamically generate the token agent program as described above. Definition It is preferable to provide the wireless terminal 1100 through the wireless network 140 and to be mounted, and at the time when the token agent program mounted on the wireless terminal 1100 generates a predetermined token code, the token agent The program may generate a predetermined token code based on a predetermined challenge value received from the server 115 and token generation information substituted in the token agent program internal variable.

According to another exemplary embodiment of the present invention, even when at least one token generation information is substituted into the token agent program as described above, the dynamically generated token agent program is provided to the wireless terminal 1100 according to the intention of a person skilled in the art. At the time of mounting, at least one other token generation information is provided together with the wireless terminal 1100 and stored in a predetermined storage device, and the token agent program mounted on the wireless terminal 1100 is assigned a predetermined token code. At the time of generating the token agent, the token agent program uses a predetermined challenge value received from the server 115, the token generation information provided in the corresponding token agent program, the token generation information provided in the external storage device, and the like. It is possible to generate a predetermined token code, thereby This is not limited.

The version of the token agent information includes version information of the token agent program for each platform to be provided to the wireless terminal 1100.

According to the embodiment of the present invention, even if the same kind of token agent program (for example, a token agent program operating on the same platform), the type and / or version of the token generation algorithm applied according to the version of the token agent program may be different. And, as a result, the token code generated by the token agent program will also vary, so that the version information provides information for accurately determining the token agent mounted on the wireless terminal 1100. It is possible to minimize the token code authentication error that may occur in the process of authenticating the predetermined token code generated in the wireless terminal 1100 by the version information of the token code agent program.

The token generation algorithm of the token agent information includes hashing algorithm information applied to the token agent program and / or detailed attribute information of the hashing algorithm. Currently, the most commonly used hashing algorithms for generating tokens are MD4, MD5, SHA, and the like, and a hashing algorithm (for example, SHA-1 hashing algorithm with SHA) is further modified according to an application. It is used.

The token generation information of the token agent information is information for generating a token code of a time synchronous method. Referring to FIG. 4, the token code generation information is determined by the token agent program provided in the wireless terminal 1100. At the time of generating the token code, a predetermined challenge value provided to the wireless terminal 1100 through the server 115 is used as first generation information, and randomly provided by the token agent providing server 215 according to an implementation method. It is preferable to use, as second generation information and / or third generation information, a secret key value corresponding to the generated value and / or a MIN / ESN uniquely assigned to the wireless terminal 1100 on which the token agent is mounted. .

According to an embodiment of the present invention, the challenge value is an arbitrary value randomly generated by the server 115 at the time when the token agent program included in the wireless terminal 1100 generates a predetermined token code. The server 115 transmits the challenge value transmitted to the wireless terminal 1100 until a token code (for example, a response corresponding to the challenge) generated based on the challenge value is received from the wireless terminal 1100. It is preferable to maintain the token code, and when the token code is received, it is preferable to generate a predetermined token authentication code based on the challenge value to authenticate the received token code.

Referring to one embodiment of the present invention, when the token agent uses MIN / ESN of the wireless terminal 1100 as token generation information for generating a predetermined token code, the MIN / ESN is used as token generation information as it is. It is possible to use a predetermined hash function in the MIN / ESN in order to prevent the token agent from overflowing in the process of generating the token code by having the MIN / ESN value too large. It is possible to apply and convert to a value within a certain size, which is determined according to the intention of those skilled in the art and / or the computing power of the wireless platform.

5 is a diagram illustrating an implementation process of providing and mounting a token agent program to a customer wireless terminal according to one embodiment of the present invention.

In more detail, Figure 5 relates to a process of mounting a token agent program for a token code-based financial transaction to a predetermined customer wireless terminal, if those of ordinary skill in the art to which the present invention belongs, With reference to the implementation method shown below, various implementation methods for mounting a predetermined token agent to the customer wireless terminal may be easily inferred, and the present invention is not limited by the implementation method. .

Referring to FIG. 5, the token agent providing server 215 is provided 500 with predetermined wireless terminal information (and / or customer information) on which a token agent program for token code-based financial transactions is to be mounted.

According to an embodiment of the present invention, the process 500 may include predetermined wireless terminal information (and / or information) to be loaded with a predetermined token agent program from a predetermined financial means issuing server 200 to the token agent providing server 215. Customer information), and / or the customer accesses the token agent providing server 215 to provide wireless terminal information (and / or customer information) for the customer-owned wireless terminal. It is preferable to include the process.

When the customer wireless terminal information is provided as described above, the token agent providing server 215 reads the wireless terminal information (and / or customer information) and provides a predetermined token agent program to the customer wireless terminal to mount. Check whether or not (505).

According to an exemplary embodiment of the present invention, when a valid token agent program is preloaded in the customer wireless terminal, the token agent providing server 215 does not need to mount a token agent on the wireless terminal. If a valid token agent program is not mounted, it is preferable to provide and mount the token agent.

If it is necessary to provide and mount a predetermined token agent program to the customer wireless terminal (510), the token agent providing server 215 reads the wireless terminal information of the customer and provides a token agent program to be provided to the customer wireless terminal. Check (515).

According to an embodiment of the present invention, the token agent providing server 215 is a subscriber D / B (eg, home location register or visited location register) provided in the mobile communication network when the wireless terminal information is connected to the mobile communication network; It is preferable to identify the token agent program to be provided to the customer wireless terminal by checking the wireless terminal platform with reference Alternatively, the mobile terminal further includes platform information (or model information of the wireless terminal) in the process of receiving the wireless terminal information in order to process the token agent providing process irrespective of the mobile communication company according to an embodiment. It is also possible to receive.

When the token agent to be provided to the customer wireless terminal is identified as described above, the token agent providing server 215 extracts or compiles the identified token agent program from the token agent D / B 225 and dynamically generates it. And / or extract from the token agent D / B 225 predetermined token generation information required for the token agent program to generate a predetermined token code, or dynamically generate (eg, generate a random value). (520).

When the predetermined token agent program to be provided and mounted to the customer wireless terminal and at least one token generation information corresponding to the token agent program are prepared as described above, the token agent providing server 215 sends the token to the customer wireless terminal. Provide and mount an agent (525).

According to an embodiment of the present invention, the token agent providing server 215 may include a predetermined wireless message (eg, SMS (Short) including a predetermined callback URL for providing the token agent to the customer wireless terminal. Message Service (EMS), Enhanced Message Service (EMS), Multimedia Messaging Service (MMS), etc.), and when the wireless terminal accesses the token agent providing server 215 through the callback UE, the wireless terminal transmits the It is desirable to provide and mount a token agent.

According to another exemplary embodiment of the present invention, the token agent providing server 215 may be configured by the customer through another type of wireless software loading method that does not use the callback UE due to the intention of the person skilled in the art and / or the policy of the wireless network operator. It is possible to provide and mount the token agent to a wireless terminal, whereby the present invention is not limited.

After the predetermined token agent program is loaded into the customer wireless terminal as described above, the customer wireless terminal determines to execute the diagnostic mode for the mounted token agent program, if the diagnostic mode for the token agent is executed (530). ), The wireless terminal executes the mounted token agent program to generate a predetermined diagnostic token code and transmits it to the token agent providing server 215 (535), and the token agent providing server 215 performs the diagnostic token. A predetermined diagnostic token authentication code corresponding to the code is generated (540), and the validity of the token agent program installed in the customer wireless terminal is checked (545) by comparing the diagnostic token code with the diagnostic token authentication code.

According to an embodiment of the present invention, the token agent program mounted on the customer wireless terminal generates a predetermined token code in a time synchronous manner, and for this purpose, the token agent program is currently present from an internal timer provided in the wireless terminal. It is preferable to generate the diagnostic token code by extracting the (or time) information and using the extracted time (or time) information as predetermined token generation information for generating the diagnostic token code. Of course, according to the intention and / or implementation method of those skilled in the art, the token agent program is in the process of providing the token agent program at least one or more token generation information (eg, token agent providing server 215 from the storage device provided in the wireless terminal). It is possible to generate the diagnostic token code further comprises a secret key including a random value transmitted together, and / or MIN / ESN information of the wireless terminal stored in the number assignment module (NAM) of the wireless terminal. .

The diagnostic token code generated as described above is provided to the token agent providing server 215 through a predetermined wireless network, and the token agent providing server 215 generates the time of generating the diagnostic token code in the wireless terminal (or Time) to generate a predetermined diagnostic token authentication code, and compares the received diagnostic token code with the generated diagnostic token authentication code, thereby confirming the validity of the token agent program mounted on the wireless terminal.

According to another exemplary embodiment of the present invention, the token agent program installed in the customer wireless terminal generates a predetermined token code in a challenge-response manner, and for this purpose, the token agent providing server 215 generates a predetermined challenge value. It generates and provides to the wireless terminal, it is preferable that the token agent program generates a diagnostic token code by using the provided challenge value as predetermined token generation information for generating a diagnostic token code. Of course, according to the intention and / or method of the person skilled in the art, the token agent program is a process of providing the token agent program at least one or more token generation information (eg, token agent providing server 215 from the storage device provided in the wireless terminal) It is possible to generate the diagnostic token code further comprises a secret key including a random value transmitted together with and / or MIN / ESN information of the wireless terminal stored in the NAM of the wireless terminal.

The diagnostic token code generated as described above is provided to the token agent providing server 215 through a predetermined wireless network, and the token agent providing server 215 is used for generating the diagnostic token code in the wireless terminal. A predetermined diagnostic token authentication code is generated including a value, and the validity of the token agent program mounted in the wireless terminal is checked by comparing the received diagnostic token code with the generated diagnostic token authentication code.

If the token diagnostic token code and the diagnostic token authentication code do not match (550), the token agent providing server 215 requests retransmission of the token diagnostic token code to the wireless terminal (555), and the process (535 ~). Repeating 545 confirms the validity of the token agent.

On the other hand, if the token diagnostic token code and the diagnostic token authentication code match the validity of the token agent (550), the information storage server 235 is the token agent mounted on the customer wireless terminal information and the customer wireless terminal. Information and the financial means information issued to the customer in the financial means issuing server 200 is processed in association with and stored in a predetermined storage medium (560).

6 is a diagram illustrating an information configuration of wireless terminal information stored in the storage medium 110 according to an embodiment of the present invention.

In more detail, Figure 6 illustrates a preferred information configuration of financial transaction customer wireless terminal information associated with the financial means information and / or token agent information for token code-based financial transactions, the storage medium Each information stored in 110 may be further added to at least one information item according to the intention of those skilled in the art to which the present invention is implemented, and the present invention is not limited thereto.

Referring to FIG. 6, the wireless terminal information includes at least one wireless terminal 1100 number information of a telephone number MIN and a serial number ESN of a financial transaction customer owned wireless terminal equipped with the token agent. The mobile terminal 1100 may further include platform information about the wireless terminal 1100, carrier information and terminal model information.

According to the exemplary embodiment of the present invention, the wireless terminal information may be further added with at least one information item according to the intention of the person skilled in the art. For example, the wireless terminal information may further include IC chip unique information (ICCHIP) (not shown) in the IC chip mounted or detached from the wireless terminal, and / or SIM (Subscriber Identity) in the wireless terminal. When a module or a Universal Identification Module (UIM) or Universal Subscriber Identity Module (USIM) is provided, the SIM information or UIM information or USIM information may be further included.

7A and 7B illustrate an information configuration of token agent information stored in the storage medium 110 according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate preferred information configurations of token agent information corresponding to the token agent program mounted on the financial transaction customer wireless terminal 1100 for token code-based financial transactions. FIG. 7 illustrates a preferred information configuration of token agent information corresponding to a time synchronous token agent program, and FIG. 7B illustrates a preferred information configuration of token agent information corresponding to a challenge-response token agent program.

According to the exemplary embodiment of the present invention, the token agent information is preferably linked to the financial transaction customer wireless terminal information and / or the financial transaction means information loaded with the token agent program, and is stored in the storage medium 110. Each piece of information may be further added with at least one item of information according to the intention of the person skilled in the art of implementing the present invention, and the present invention is not limited thereto.

Referring to FIGS. 7A and 7B, the token agent information is information for identifying what kind of token agent is mounted in the customer wireless terminal and generating a token authentication code for authenticating the token code generated by the token agent. To this end, the token agent information includes the platform information of the wireless terminal equipped with the token agent program, the version of the token agent and the token generation algorithm and at least one token generation information mounted on the platform; Is done.

Referring to FIG. 7A according to an embodiment of the present invention, the token agent information of the time synchronization method may further include a predetermined token update period in which time synchronization is maintained.

Referring to FIG. 7B according to another exemplary embodiment of the present invention, the challenge value (eg, the first generation information of FIG. 7B) of the token generation information included in the token agent information of the challenge-response method is the financial transaction customer wireless terminal. Before the challenge value to be transmitted to 1100 is generated, a null value is included. When the challenge value to be transmitted to the financial transaction customer wireless terminal 1100 is generated, the generated challenge value is substituted and the radio is transmitted. It is preferable to maintain the substituted challenge value until a predetermined token code (response) corresponding to the challenge value is received from the token agent program mounted on the terminal 1100, and the received token is provided through the challenge value. After the authentication procedure for the code is performed (eg, token authentication corresponding to the received token code via the maintained challenge value) After Degas generated), a first generation of a challenge value information (e.g., reference 7b of the token generation information), it is preferable to again include a null value.

The wireless terminal information is characterized in that it comprises at least one wireless terminal 1100 number information of the telephone number (MIN) and serial number (ESN) of the financial transaction customer owned wireless terminal equipped with the token agent, The mobile terminal 1100 may further include platform information, communication company information, terminal model information, and the like.

According to the exemplary embodiment of the present invention, the wireless terminal information may be further added with at least one information item according to the intention of the person skilled in the art. For example, the wireless terminal information may further include IC chip unique information (ICCHIP) (not shown) in an IC chip mounted or detached from the wireless terminal, and / or a subscriber identity module (SIM) in the wireless terminal. ) Or when a Universal Identification Module (UIM) or Universal Subscriber Identity Module (USIM) is provided, the SIM information, UIM information, or USIM information may be further included.

8 is a diagram illustrating an information configuration of customer information stored in the storage medium 110 according to an embodiment of the present invention.

In more detail, Figure 8 illustrates a preferred information configuration of predetermined customer information for a financial transaction customer linked to the financial means information and / or token agent information for token code-based financial transactions, Each information stored in the storage medium 110 may be added to at least one or more information items according to the intention of those skilled in the art to which the present invention is implemented, whereby the present invention is not limited.

Referring to FIG. 8, the customer information includes customer personal information including at least one of a name, a social security number, an address, etc. for the financial transaction customer, and a token agent relationship for establishing a relationship between the financial transaction customer and the token agent. Characterized in that it comprises information.

Referring to FIG. 8 according to a preferred embodiment of the present invention, the token agent relationship information preferably includes the financial transaction customer-owned wireless terminal information, whereby the token agent mounted on the customer wireless terminal 1100. Token code-based financial transactions using the program are carried out.

9A and 9B illustrate an information structure of financial transaction information stored in the storage medium 110 according to an embodiment of the present invention.

In more detail, FIG. 9A illustrates token agent information associated with the financial transaction customer wireless terminal information and / or mounted in the customer wireless terminal 1100 for token code-based financial transactions and / or payment processing through financial means. Financial transaction means information, which exemplifies a preferred information configuration of the financial transaction means information associated with, and more specifically includes at least one customer financial account information corresponding to the financial transaction means issued to the customer from a predetermined bank It is an example.

Persons of ordinary skill in the art to which the present invention pertains may refer to the financial transaction means as described with reference to FIG. 9A. And / or when linked with a wireless chip medium (eg, an IC chip mounted or detached from the customer wireless terminal 1100), the media information (eg, MS card and / or IC card) linked to the financial transaction means information. And / or an IC chip) and / or media storage information (e.g., information stored in Track-II, if the medium is an MS card, etc.) stored on the card and / or wireless chip media. The present invention is not limited by the financial means information configuration item.

Referring to FIG. 9A, the financial transaction means information stored in the storage medium 110 may include a type of financial means corresponding to the financial transaction means and a bank account for issuing the financial transaction means (or a bank account corresponding to the financial transaction means). Bank information, and the name of the customer who issued the financial transaction means, and further includes financial account information corresponding to the financial transaction means.

According to the method of the present invention, the financial account information, the financial account information corresponding to the financial transaction means is a predetermined account number for the financial transaction means, the establishment date of the bank account corresponding to the financial transaction means, and the customer It is preferable to include the branch information of the bank that issued the financial transaction means to the bank, and according to the implementation method, the financial account information may include information on the issuance of the bank account corresponding to the financial transaction means (not shown), and the settlement date (e.g., 2nd Friday of each January, May, August, November, etc.) (not shown) is preferably further included.

In more detail, FIG. 9B illustrates preferred financial transaction means information associated with the financial transaction customer wireless terminal information and / or associated with the token agent information mounted on the customer wireless terminal 1100 for token code based payment processing. As an example of information configuration, more specifically, the payment means issued to the customer by a predetermined payment means issuer is a magnetic stripe (MS) card including at least one track-II and / or track-III data. In this case, the financial transaction means information included in the MS card is exemplified.

Those skilled in the art to which the present invention pertains are equipped with an integrated circuit (IC) card and / or the customer wireless terminal 1100 in addition to the financial transaction information included in the MS card with reference to FIG. 9B. Alternatively, it is possible to easily infer the desired information configuration of the financial transaction means information provided on the detached IC chip (for example, the payment means provided on the IC card and / or IC chip included in the track-II of the MS card). Information is included), and the present invention is not limited by the financial means information configuration item. For example, if the storage medium 110 stores the IC card and / or financial transaction information provided in the IC chip with a predetermined certificate, the information item includes information corresponding to the certificate (for example, a certificate). Issuer, copy of accredited certificate, etc.).

Referring to FIG. 9B, the financial transaction means information stored in the storage medium 110 includes credit card payment means, debit card payment means, cash card payment means, check card payment means, prepaid card payment means, A financial account payment means, financial transaction means information including at least one electronic money payment means, a payment means issuing agency that issued the payment means, and owns the payment means (e.g., predetermined from the payment means issuer) Customer name (e.g., English customer's name) issued by the payment method, and the information stored in track-II and / or track-III of the payment method. It is done.

According to the method of the present invention, the information stored in the track-II of the payment means comprises a 16-digit card number, the date of issuing the payment means, the expiration date of the payment means, and at least one CVC number. Preferably, the information stored in the track-III of the payment means further comprises at least one affiliate information and / or additional service information associated with the payment means.

According to an exemplary embodiment of the present invention, the financial medium information as shown in FIGS. 9A and / or 9B, the customer wireless terminal 1100 information (and / or customer information), and the token agent as shown in FIG. The information is stored in association with each other, so that the financial terminal (or the customer wireless terminal 1100) provided on or offline is provided to the wireless terminal 1100 information and / or the wireless terminal 1100 without the financial transaction means. It is possible to provide financial transactions through a predetermined token code generated by the token agent program.

10A and 10B are diagrams showing an embodiment of a financial transaction processing system using a wireless terminal number according to an embodiment of the present invention.

In more detail, in FIG. 10A, a token agent program included in the customer wireless terminal 1100 generates a predetermined token code according to a token code generation method including at least one token generation information and a predetermined token generation algorithm. The present invention relates to a method for providing a predetermined token code to a predetermined financial transaction server 1000 through a predetermined financial transaction terminal 145, and FIG. 10b illustrates that at least one token agent program included in the customer wireless terminal 1100 is provided. The present invention relates to an implementation method of generating a predetermined token code according to a token code generation method including token generation information and a predetermined token generation algorithm and providing the same token code to a predetermined financial transaction server 1000.

Referring to FIG. 10A, the financial transaction server 1000 may include an interface unit 1005 connecting at least one financial transaction terminal 145 and a communication channel for financial transactions for a financial transaction based on a token code. Information for receiving the financial transaction information for the financial transaction based on the token code, the financial transaction information data including at least one wireless terminal information and token code from the financial transaction terminal 145 through the interface unit 1005 A receiving unit 1010, an information checking unit 1015 for reading the received financial transaction information data, and confirming the wireless terminal information, and the wireless terminal from the storage medium 110 based on the confirmed wireless terminal information. Extraction unit 1020 for extracting the token agent information associated with the information, and on the wireless terminal 1100 based on the extracted token agent information Generate a token authentication code under the same conditions (eg, the same token generation information and token generation algorithm) that generated the token code in the token agent program, and generate the token code and the token received from the financial transaction terminal 145. And a certification unit 1025 for authenticating the validity of the received token code by comparing the received token authentication codes.

In addition, when the validity of the received token code is authenticated by the authentication unit 1025, the financial transaction server 1000 is included in the financial transaction information data and corresponds to the received financial transaction information. It is characterized in that it further comprises a financial transaction unit 1030 to perform.

In addition, when the financial transaction is normally performed by the financial transaction unit 1030, the financial transaction server 1000 links the at least one financial transaction process with the financial transaction means information and / or customer information. Characterized in that it further comprises a storage unit 1035 for storing in the storage medium 135.

In addition, when the financial transaction is normally performed by the financial transaction unit 1030, the financial transaction server 1000 transmits the financial transaction processing history to the financial transaction terminal 145 through the interface unit 1005. Characterized in that it further comprises an information transmission unit 1040.

The interface unit 1005 connects at least one financial transaction terminal 145 with a financial transaction communication channel for financial transactions based on the token code through a predetermined financial transaction network 140. The financial transaction network 140 may include at least one wired network 140 (eg, TCP / IP based Internet) and / or a wireless network 140 (eg, depending on the type of the financial transaction terminal 145). , CDMA-based mobile communication network) and / or value-added communication network () and / or financial common network.

The information receiving unit 1010 receives the financial transaction information data including at least one or more financial transaction information, wireless terminal information and a token code transmitted from the financial transaction terminal 145 through the interface unit 1005. It is done.

According to an exemplary embodiment of the present invention, the wireless terminal information and the token code are preferably included in the financial transaction information data including the financial transaction information and received by the information receiving unit 1010.

According to another exemplary embodiment of the present invention, the wireless terminal information and the token code are separated from the financial transaction terminal 145 before the financial transaction information data including the financial transaction information is received by the information receiver 1010. It is preferably received via a telegram (or data) for the token code transmission.

According to another embodiment of the present invention, the wireless terminal information and the token code after the financial transaction information data including the financial transaction information from the financial transaction terminal 145 is received to the information receiving unit 1010 It is preferably received via a telegram (or data) for separate token code transmission.

The information checking unit 1015 reads the financial transaction information data received by the information receiving unit 1010, and confirms and extracts the wireless terminal information included in the financial transaction information data. When the terminal information is received through a separate token code transmission message (or data), it is preferable to check and extract the wireless terminal information by reading the token code transmission message (or data).

The extractor 1020 extracts token agent information associated with the wireless terminal information from the storage medium 110 using the extracted wireless terminal information and provides the extracted information to the authentication unit 1025.

The authentication unit 1025 authenticates a predetermined token through the same token generation information and token generation algorithm used to generate the token code in the token agent program included in the wireless terminal 1100 based on the extracted token agent information. Generating a code, and comparing the generated token authentication code with the token code received from the financial transaction terminal 145, characterized in that for authenticating the validity of the received token code, the authentication unit 1025 Validation of the received token code by means of ensuring confidentiality, authentication, integrity, and nonrepudiation for financial transactions based on the token code. do.

When the validity of the token code is verified by the authenticator 1025, the financial transaction unit 1030 may perform a financial transaction corresponding to the financial transaction information included in the financial transaction information data. .

According to an embodiment of the present invention, the financial transaction unit 1030 preferably performs a financial transaction corresponding to the financial transaction information in conjunction with a predetermined financial system based on the financial transaction information.

According to the exemplary embodiment of the present invention, the financial transaction unit 1030 may perform a financial transaction corresponding to the financial transaction information, and generate a predetermined financial transaction processing history corresponding to the settlement processing / financial transaction]. The storage unit 1035 stores the generated one or more financial transaction processing details in a predetermined storage medium 135 in association with the financial transaction information and / or customer information. The transmission unit 1040 transmits the generated financial transaction processing history to the financial transaction terminal 145 through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the token code received from the financial transaction terminal 145 is generated in a challenge-response manner, the authenticator 1025 may dynamically generate an arbitrary challenge value. The information transmitter 1040 may further include a function of transmitting the generated challenge value to the customer wireless terminal 1100.

Referring to FIG. 10B, the financial transaction server 1000 may include an interface unit 1005 connecting a communication channel for at least one customer wireless terminal 1100 with a financial transaction for a financial transaction based on a token code. Information for receiving financial transaction information for the financial transaction based on the token code and financial transaction information data including at least one wireless terminal information and a token code from the wireless terminal 1100 through an interface unit 1005. An extraction unit 1020 for extracting token agent information associated with the wireless terminal information from the storage medium 110 based on the receiving unit 1010 and the wireless terminal information transmitting the financial transaction information data, and the extracted unit 1010; The same condition that generated the token code in the token agent program provided in the wireless terminal 1100 based on token agent information ( For example, a predetermined token authentication code is generated using the same token generation information and a token generation algorithm), and the token code received from the customer wireless terminal 1100 is compared with the generated token authentication code for the received token code. Characterized in that it comprises an authentication unit 1025 for authenticating the validity.

In addition, when the validity of the received token code is authenticated by the authentication unit 1025, the financial transaction server 1000 is included in the financial transaction information data and corresponds to the received financial transaction information. It is characterized in that it further comprises a financial transaction unit 1030 to perform.

In addition, when the financial transaction is normally performed by the financial transaction unit 1030, the financial transaction server 1000 links the at least one financial transaction process with the financial transaction means information and / or customer information. Characterized in that it further comprises a storage unit 1035 for storing in the storage medium 135.

In addition, when the financial transaction is normally performed by the financial transaction unit 1030, the financial transaction server 1000 transmits the financial transaction processing details to the customer wireless terminal 1100 through the interface unit 1005. Characterized in that it further comprises an information transmitting unit 1040 for transmitting.

The interface unit 1005 connects at least one customer wireless terminal 1100 and a financial transaction communication channel for a financial transaction based on the token code through a predetermined financial transaction network 140. In addition, the financial transaction network 140 may include a predetermined wireless network 140 (eg, a CDMA-based mobile communication network).

The information receiving unit 1010 receives financial transaction information data including at least one financial transaction information, wireless terminal information, and a token code transmitted from the customer wireless terminal 1100 through the interface unit 1005. The wireless terminal information may be extracted as caller information in the process of receiving the financial transaction information data.

According to an exemplary embodiment of the present invention, the wireless terminal information and the token code are preferably included in the financial transaction information data including the financial transaction information and received by the information receiving unit 1010.

According to another exemplary embodiment of the present invention, the wireless terminal information and the token code are separately before the financial transaction information data including the financial transaction information is received from the customer wireless terminal 1100 by the information receiver 1010. It is desirable to be received via token code transmission data.

According to another exemplary embodiment of the present invention, after the wireless terminal information and the token code are received from the customer wireless terminal 1100, the financial transaction information data including the financial transaction information is received by the information receiving unit 1010. It is preferably received via separate token code transmission data.

According to another exemplary embodiment of the present invention, when the token code received from the customer wireless terminal 1100 is generated in a challenge-response manner, the authenticator 1025 may dynamically generate an arbitrary challenge value. The information transmitter 1040 may further include a function of transmitting the generated challenge value to the customer wireless terminal 1100.

11 is a diagram illustrating a functional configuration of a wireless terminal 1100 equipped with a token agent according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a case in which a mobile communication terminal accessing a mobile communication network based on code division multiple access (CDMA) performs a function of the wireless terminal 1100 for generating a token code for the token code based financial transaction. The present invention relates to a preferred functional configuration of the mobile communication terminal for generating the token code. Those skilled in the art to which the present invention pertains, with reference to FIG. 11, another wireless terminal 1100 (eg, wireless data communication) for generating a token code for the token code based financial transaction in addition to the mobile communication terminal. It is possible to easily infer the functional configuration of the terminal, or portable Internet terminal). As a result, the functional configuration of the wireless terminal 1100 equipped with the token agent program is not limited to that shown in FIG. 11, and violates the core technology of the present invention according to the type and / or technical features of the wireless terminal 1100. Various modifications can be made without departing from the scope of the invention.

In terms of hardware, the wireless terminal 1100 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 1125, and the like. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal , RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Elements are gradually integrated into the modem chip, and in addition to the core components for the mobile communication service, the modem chip is integrated with various functions for various multimedia services and / or additional services.

Referring to FIG. 11, the wireless terminal 1100 generating a predetermined token code for the token code-based financial transaction basically includes a control unit 1105, a screen output unit 1110, a sound processor 1115, and a key input unit ( 1120, a wireless processing unit 1130, a short range communication unit 1135, a memory unit 1155, and a battery 1125 for supplying power, and are mounted or detached from the wireless terminal 1100 according to an implementation method. It further comprises a functional configuration including a chip 1150 and the IC chip reader unit 1145 for reading / writing predetermined information or data in the IC chip 1150.

The controller 1105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 1100 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, a wireless terminal for generating token codes for token code-based financial transactions). For convenience, a predetermined token agent program routine recorded on the recording medium of 1100 is viewed. It will be described as being provided in the fisherman (1105). By the control unit 1105, various functions which are intended to be implemented in the wireless terminal 1100 are realized by this, and also in order to realize such functions It is characterized in that to control and manage the overall operation of the terminal 1100. In particular, when power is input to the wireless terminal 1100 to perform a function of the controller 1105 for controlling and managing the overall operation of the wireless terminal 1100, an operating system routine or system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 1110 is a liquid crystal display (LCD) driver for outputting a screen and is a key input unit 1120 by the controller 1105 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (for example, an LCD panel), and the screen output unit 1110 is connected to a screen output device (LCD) by the token code based finance. It is preferable to perform a function of outputting predetermined information required in the process of generating a token code for a transaction.

The sound processor 1115 encodes a predetermined sound signal input from a microphone included in the wireless terminal 1100 and provides the sound signal to the controller 1105 or extracted and / or generated by the controller 1105. A sound signal is decoded and output through a speaker. To this end, the sound processor 1115 includes a predetermined vocoder and a codec. Performs a function of a sound input unit provided in the wireless terminal 1100 through the sound processor 1115 and a microphone, or outputs a sound provided in the wireless terminal 1100 through the sound processor 1115 and a speaker. Perform the function of the means.

The key input unit 1120 includes a predetermined key having at least one or more key buttons including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad, and predetermined key buttons provided on the keypad in a specific input mode and / or operation mode of the wireless terminal 1100 controlled by the controller 1105. When predetermined information (or signal) is inputted from the device, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 1105. The controller 1105 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 1100 (eg, each Read key data from the key table storing (managing) at least one key data corresponding to a specific key event in an input mode and / or an operation mode of the wireless terminal 1100 of the wireless terminal 1100, and / or the key event Read a command to execute a predetermined function matched with the defined. The keypad including the key input unit 1120 and at least one key button interlocks with each other to perform a function of a key input unit provided in the wireless terminal 1100.

The wireless processor 1130 may register a location and / or a slot mode and / or a power control in conjunction with the controller 1105 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 1130 processes the information or signal transmitted from the wireless terminal 1100 to the base station in a CDMA stack to provide the mobile communication service, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 1100 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 1130, and through the predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a predetermined server (or device) provided on a mobile communication network and / or a predetermined communication network that interworks with the mobile communication network.

According to an embodiment of the present invention, the wireless processing unit 1130 connects a predetermined communication channel with the token agent providing server 215 to mount a predetermined token agent program on the wireless terminal 1100, and In cooperation with the control unit 1105, a predetermined token agent program may be received from the token agent providing server 215.

According to another exemplary embodiment of the present invention, when the token agent program generates a predetermined token code for the predetermined token code-based financial transaction in a challenge-response manner, the wireless processor 1130 may control the controller 1105. ) May connect a predetermined communication channel with the financial transaction server 1000, and receive a predetermined challenge value for generating the token code from the financial transaction server 1000.

According to another exemplary embodiment of the present invention, in the process of providing a predetermined token code generated by the token agent program to the financial transaction server 1000, the token code may be wirelessly transmitted from the wireless terminal 1100. When providing to the financial transaction server 1000 through the network 140 (for example, a portion of the generated token code is transmitted to the financial transaction server 1000, or the generated token code is transmitted to the financial transaction server 1000). (In case of transmitting to 1000), the wireless processor 1130 connects a predetermined communication channel with the financial transaction server 1000 in cooperation with the control unit 1105, and generates the financial transaction server 1000. It is desirable to send the token token.

The near field communication unit 1135 may be configured to perform infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to the exemplary embodiment of the present invention, the wireless terminal 1100 connects a wireless section connecting a predetermined short range device 1140 and a predetermined short range wireless communication session through the short range communication unit 1135, and the short range device ( It is preferable to connect a predetermined communication channel with a predetermined server (or device) provided on the predetermined communication network through a wired section including the predetermined network 140 to which the 1140 is connected.

According to the exemplary embodiment of the present invention, the short range communication unit 1135 and the token agent providing server 215 through the local area device 1140 to mount a predetermined token agent program on the wireless terminal 1100 are provided. Connect a communication channel of the mobile station, and receive a predetermined token agent program from the token agent providing server 215 in cooperation with the controller 1105.

According to another exemplary embodiment of the present invention, when the token agent program generates a predetermined token code for the predetermined token code-based financial transaction in a challenge-response manner, the local area communication unit 1135 may control the controller 1105. And a predetermined communication channel with the financial transaction server 1000 through the short range device 1140, and receive a predetermined challenge value for generating the token code from the financial transaction server 1000. have.

According to another exemplary embodiment of the present invention, the short range device 1140 may be a financial transaction terminal 145 for processing the token code based financial transaction, and / or a short range communication module provided in the financial transaction terminal 145. In this case, the local area communication unit 1135 may be connected to the local area device 1140 and a predetermined local area communication channel in cooperation with the control unit 1105, and may be connected to the local area device 1140 through the local area communication channel. It is possible to provide the token code generated by the token agent program.

The memory unit 1155 may enter or exit when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 1100 is performed. A general term for a memory device for storing information and / or data outputted therein, the read-only memory (ROM) corresponding to the read-only memory, the flash memory (FM) for reading / writing, and the electrically erasable and EEPROM. Programmable Read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 1100 and information or data therefor. The EEPROM stores a terminal registration related parameter and a telephone number (eg, an address book) or at least one or more information and / or data extracted and / or generated while executing an application included in the wireless terminal 1100. do.

According to an embodiment of the present invention, the token generation information is read from an internal functional configuration provided in the wireless terminal 1100 (for example, when the token agent program generates a token code in a time-synchronous manner, the wireless terminal ( Read current time (or time) information as token generation information from a timer included in 1100), and / or are stored in the token generation information area of the memory unit 1155, and / or in the token agent program. The memory unit 1155 may store at least one token generation information defined to be stored in a storage device provided in the wireless terminal 1100. For example, the memory unit 1155 stores MIN / ESN information for the wireless terminal 1100 in a NAM (Number Assignment Module) area, and / or is unique to the token agent program in a predetermined token generation information area. At least one secret key value may be stored.

The IC chip reader unit 1145 may be configured with an IC chip related function provided in the wireless terminal 1100 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (for example, the wireless terminal 1100). IC chip agent program provided in the) and the IC chip 1150 mounted or detached from the wireless terminal 1100 to provide information and / or data exchange. For example, the IC chip reader unit 1145 provides information and / or data exchange between the IC chip agent program and the IC chip 1150 through an application protocol data unit (APDU).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 1150 mounted or detached from the customer wireless terminal 1100 may include a power supply (VCC), a reset signal (RST), Communication with IC chip reader 1145 (e.g. command or data exchange, etc.) via contact points such as clock signal CLK, ground GND, programming power supply (VPP), and / or input / output (I / O), etc. A processor unit comprising an input / output interface, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor (Coprocessor), and the like, and a ROM (Read Only Memory) and RAM. (Random Access Memory), EEPROM (Electrically Erasable and Programmable Read Only Memory), Flash Memory (FM) including at least one or more memory elements comprising a memory element, at least one or more of the memory elements ( For example, ROM) is an IC A chip operating system (COS) for managing and operating internal resources is stored. When a predetermined power is supplied from the IC chip reader unit 1145 through a power supply (VCC) contact point of the input / output interface, the memory is stored. The COS stored in the unit is loaded into a predetermined execution memory to control the overall operation of the IC chip 1150 and based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point of the clock signal CLK (APDU) Protocol Data Unit) controls the exchange of information or data between the IC chip 1150 and the IC chip reader 1145.

According to another exemplary embodiment of the present invention, the token agent program may be provided in the IC chip 1150 (for example, the token agent program may be recorded on a recording medium provided in the IC chip 1150). The present invention is not limited by this.

According to another exemplary embodiment of the present invention, when the token agent program is provided in the platform of the wireless terminal 1100 and / or in the IC chip 1150, some of the token generation information may be included in the IC. It is possible to be stored in the memory unit provided in the chip 1150, whereby the present invention is not limited.

Referring to FIG. 11, the token agent is received in connection with a predetermined token agent mounted on the wireless terminal 1100 and a token agent providing server 215 on the wireless network 140, and / or the token. It comprises a communication processor 1180 for generating a predetermined token code by the agent, or performing the communication function required to process the predetermined token transaction.

Referring to FIG. 11 according to a preferred embodiment of the present invention, a token agent mounted on the wireless terminal 1100 may include an input unit 1160 that receives at least one or more information (or data) for generating the token code, and a predetermined value. A reading unit 1165 that reads at least one token generation information required to generate a token code of the first generation unit; and a generation unit that generates a predetermined token code by applying the read token generation information to a predetermined token generation algorithm ( 1170, and an output unit 1175 for outputting the generated token code on the screen of the wireless terminal 1100.

The input unit 1160 may receive at least one or more information (or data) for generating the token code in cooperation with the key input unit, and the input information (or data) generates a predetermined token code. Outputting a token generation command, and / or predetermined PIN (Personal Identification Number) information for internal authentication on the generated token code, and / or the generated token code on the screen of the wireless terminal 1100, or Alternatively, at least one token code output command may be output to the outside of the wireless terminal 1100 through the wireless processing unit 1130 and / or the short range communication unit 1135 in cooperation with the communication processing unit 1180.

According to an embodiment of the present invention, the generation unit 1170 inputted from the key input unit through the input unit 1160 may be used as predetermined token generation information for generating a predetermined token code. And / or in combination with the token code in the process of outputting the token code generated by the generation unit 1170 (eg, outputted on the screen of the wireless terminal 1100, and / or outputted to the outside of the wireless terminal 1100). It is possible to be.

According to another exemplary embodiment of the present invention, when the token agent is provided in the IC chip 1150 mounted or detached from the wireless terminal 1100, the PIN information is a user defined in the IC chip 1150. Preferably, the method further comprises performing an authentication procedure.

The read unit 1165 may be configured to generate the token from the internal resources of the wireless terminal 1100 and / or the token agent internal code and / or the memory unit included in the memory unit 1155 and / or the IC chip 1150. And the agent reads at least one token code generation information defined to be used to generate a predetermined token code.

According to an exemplary embodiment of the present invention, the reader 1165 receives time (or time) information required for generating the token code from the internal resource of the wireless terminal 1100 (eg, a timer resource in the wireless terminal 1100). It is preferable to read, and / or a predetermined secret set for generating the token code from the token agent internal code and / or a memory unit provided in the memory unit 1155 and / or the IC chip 1150. It is preferable to read a key value, and / or to read a predetermined MIN / ESN from the NAM area of the memory unit 1155.

In addition, in the case of token generation information defined to apply a predetermined hash function among the read token generation information, the reader 1165 applies the predetermined hash function to the read token generation information to apply the corresponding token generation information. Preferably, the method further includes a function of converting (or limiting) a value within a predetermined size.

According to another exemplary embodiment of the present invention, the reading unit 1165 is linked to the communication processing unit 1180 to generate a real time from the financial transaction server 1000 (for example, at random in the financial transaction server 1000). And receiving the predetermined challenge value generated as the predetermined token generation information used to generate the predetermined token code in the generation unit 1170.

The generation unit 1170 generates an unpredictable predetermined token code according to a predetermined token generation algorithm based on at least one token generation information read by the reader 1165. Preferably, the data block includes a predetermined length of data blocks.

The output unit 1175 outputs the token code generated by the generation unit 1170 to the screen of the wireless terminal 1100. The wireless processing unit 1130 and / or the local area may be output according to an implementation method. Providing a portion (or all) of the generated token code to the financial transaction server 1000 through a communication unit 1135, and / or processing the token code based financial transaction through the local area communication unit 1135. It is preferable to provide to the financial transaction terminal (145).

The communication processor 1180 receives a predetermined token agent to be mounted in the wireless terminal 1100 in connection with a token agent providing server 215 on the wireless network 140. It is preferable that the configuration further comprises a functional configuration to mount (or installed) on the customer wireless terminal 1100 through.

In addition, when the token agent receives a predetermined challenge value from the financial transaction server 1000 in the process of generating a predetermined token code, the communication processing unit 1180 may include the wireless processing unit 1130 and / or the local area communication unit. In connection with 1135, a predetermined communication channel may be connected to the financial transaction server 1000 (or the communication channel connection process may be omitted if the challenge value is received through a wireless message), and the financial transaction may be performed through the communication channel. It is desirable to receive a predetermined challenge value dynamically generated at the server 1000.

In addition, when the token agent and / or a portion of the token code generated by the token agent are transmitted to the financial transaction server 1000 through the wireless processor 1130 and / or the local area communication unit 1135, the communication The processor 1180 connects a predetermined communication channel to the financial transaction server 1000 by interworking with the wireless processor 1130 and / or the local area communication unit 1135 and through the communication channel to the financial transaction server 1000. It is preferable to transmit the generated token code and / or a portion of the token code.

In addition, when providing the token code and / or a portion of the token code generated by the token agent to the financial transaction terminal 145 processing the token code based financial transaction through the local area communication unit 1135, the The communication processor 1180 connects the financial transaction terminal 145 with a predetermined short range communication channel in association with the short range communication unit 1135, and generates the token to the financial transaction terminal 145 through the short range communication channel. It is desirable to transmit a portion of the code and / or token code.

According to another exemplary embodiment of the present invention, the wireless terminal 1100 may perform a function of the financial transaction terminal 145 for processing the token code based financial transaction, and for this purpose, the wireless terminal 1100 It is possible to further comprise a financial processing unit 1185 to process the token code-based financial transactions.

12 illustrates a token code structure according to an embodiment of the present invention.

More specifically, FIG. 12 shows a preferred embodiment of the token code generated by the token agent program, and each information position constituting the token code can be changed by those skilled in the art. Those skilled in the art to which the present invention pertains will be able to easily infer a token code structure including more information with reference to FIG. 12, and the present invention is not limited thereto.

Referring to FIG. 12, a token code generated by the token agent program is generated through a hash algorithm for generating a predetermined token code based on at least one token generation information in the token agent as shown in FIG. Characterized by including a predetermined hashing code, at least one or more information may be further included in the hashing code according to the intention of the skilled person and / or information subject to intuitively authenticate through the token code.

Referring to (b) of FIG. 12, the token code is a predetermined hashing code generated by a hash algorithm for generating a predetermined hash token code defined in the token agent program. It may further comprise PIN information, or may further comprise predetermined user input information input by the user (customer) as shown in (d) of FIG. 12, or the user as shown in (d) of FIG. It is possible to further include hashed input information (eg, reducing the length of the user input information to within a predetermined length) to which the predetermined hash function is applied to the input information, and the present invention is not limited thereto.

Referring to (e) of FIG. 12, the token code further includes the PIN information and the user input information in a predetermined hashing code generated through a hash algorithm for generating a predetermined hash token code defined in the token agent program. Or hashed input information applying a predetermined hash function to the PIN information and the user input information to the hashing code, as shown in FIG. It is not limited.

13 is a diagram illustrating a functional configuration of a financial transaction terminal 145 according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a preferred functional configuration of an offline financial transaction terminal 145 for generating a predetermined financial transaction text (or data) for a financial transaction using the token code and transmitting the generated financial transaction text (or data) to the financial transaction server 1000. As the financial transaction terminal 145 shown in FIG. 13 includes a financial transaction automation processing device such as a CD / ATM and a payment terminal including a CAT terminal or a POS terminal.

Those skilled in the art to which the present invention pertains, with reference to this figure 13 of the online financial transaction terminal 145 (for example, provided in the form of a plug-in in a web browser) for financial transactions using the token code Functional configuration may be easily inferred, and description thereof is omitted for convenience, but the present invention is not limited thereto.

Referring to FIG. 13, the financial transaction terminal 145 basically includes a control unit 1305, a memory unit 1350, a card interface 1310, a key input unit 1320, a screen output unit 1315, and a communication unit 1330. It includes a power supply for supplying power to the security application module 1335, the printing unit 1340 and the financial transaction terminal 145.

The control unit 1305 controls the overall operation of the financial transaction terminal 145 in the functional configuration, manages the flow of information or data between each component, and is provided in the financial transaction terminal 145 for financial transactions using token codes. And at least one processor and execution memory (e.g., registers and / or random access memory (RAM)) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. And a bus for inputting and outputting predetermined data, and loading the execution memory from the predetermined recording medium into the execution memory in order to perform a function specific to the financial transaction terminal 145 in software. A predetermined program routine (Routine) and / or program data that is computed by the processor. Software processing is performed among the functional components provided in the financial transaction terminal 145 for a financial transaction using a predetermined program and / or token code recorded in the recording medium provided in the financial transaction terminal 145 for the financial transaction. Possible components are shown as provided in the present control unit 1305).

The memory unit 1350 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the financial transaction terminal 145 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, and the predetermined program routine and program data required for the control unit 1305 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function) ) Is stored.

The card interface 1310 provides an interface for reading at least one or more information or data included in a predetermined card to realize card payment, and is based on an ISO / IEC 7810 standard. MS interface for providing an interface between a card and the financial transaction terminal 145, and / or a contact IC interface for providing an interface between the contact IC card and the financial transaction terminal 145 based on the ISO / IEC 7816 standard, And / or a contactless IC interface for providing an interface between the contactless IC card and the financial transaction terminal 145 based on the ISO / IEC 14443 standard.

According to a feature of the present invention, during a predetermined financial transaction through the financial transaction terminal 145, a predetermined token code and the wireless terminal by a token agent mounted on the wireless terminal 1100 through a predetermined key input means. The financial transaction is performed by transmitting the information to the financial transaction server 1000, whereby the process of reading predetermined card information through the card interface in the financial transaction process according to the present invention may be omitted.

The key input unit 1320 is a terminal operator and / or from a predetermined key input means including a plurality of number keys, a character key for inputting characters, a function key, and / or the like. Alternatively, the user may input corresponding key data generated by clicking a predetermined key to the controller 1305, and the controller 1305 may input key data input through the key input unit 1320. Read and control a predetermined function and / or a predefined task corresponding to the key data in association with at least one component provided in the financial transaction terminal 145.

According to a feature of the invention, the key input unit 1320 preferably provides a function of a key input means for inputting a predetermined token code and wireless terminal information generated by the token agent mounted on the wireless terminal 1100. Do.

The screen output unit 1315 is a liquid crystal display (LCD) and the liquid crystal display (LCD) by the control unit 1305 while the financial transaction terminal 145 performs a predetermined function (eg, an electronic payment processing function using a card). And / or output at least one or more information or data which are predefined or defined in real time to be output to a predetermined screen output means including a cathode ray tube (CRT) through a predefined screen interface. Predefined information or data to be output on the screen by the transaction terminal 145 may be provided by the key data input through the key input unit 1320 and / or a component included in the financial transaction terminal 145. Information (or data) stored or generated, information (or data) transmitted and received through the communication unit 1330, and / or predetermined operations performed by the financial transaction terminal 145. It includes at least one (or data) corresponding to the operation result of.

According to an exemplary embodiment of the present invention, the screen output unit 1315 may include information input in a financial transaction process using the token code and / or information transmitted to the financial transaction server 1000 and / or the financial transaction server ( It is desirable to provide a function for outputting the information received from 1000).

The communication unit 1330 is a server (or terminal) and / or the financial transaction terminal on the network 140 in the process of the financial transaction terminal 145 performs a predetermined function (for example, electronic payment processing function using a card). 145 and a terminal (or device) connected through a predetermined cable and / or a predetermined session for connecting a communication session with the terminal (or device) connected to the financial transaction terminal 145 through a predetermined short-range wireless communication It is characterized by providing a communication means, predetermined hardware including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network / ... / satellite communications) in hardware. A network connecting a communication channel with a server (or terminal) on the wired / wireless network 140 through a predetermined wireless network 140 including a wired network 140 and / or a mobile communication network or a wireless data communication network. 140 communication unit 1330, and / or cable communication unit 1330 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication, and / or infrared ray communication, RF (Radio) Short-range for connecting a short-term wireless communication session with a predetermined terminal (or device) through at least one short-range wireless communication means including frequency communication, Bluetooth, wireless LAN, and Wi-Fi. It includes at least one wireless communication unit 1330, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) by software.

According to the exemplary embodiment of the present invention, the short range wireless communication unit 1330 may further include a function of receiving a predetermined token code and wireless terminal information from the wireless terminal 1100 through the short range wireless communication.

The secure application module (1335) (SAM) is a confidentiality and / or authentication (required in the process of performing the electronic payment and / or electronic payment by the financial transaction terminal 145 using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, may be applied within the financial transaction terminal 145 without using an authentication server (or payment server) on the network 140. As a safety device for performing a safe and reliable structure, a predetermined message (information) that is processed in the process of the financial transaction terminal 145 performing a predetermined security request function (for example, electronic payment and / or electronic payment function). Or encrypts or decrypts data, adds an authenticator that prevents forgery (or tampering) of the message, or is important in performing the security request function. To perform the function of storing the padding information is characterized.

In general, the security application module 1335 is preferably composed of a predetermined security application module 1335 inserter and a security application module 1335 chip, the security application module 1335 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 1335 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the financial transaction terminal 145 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The printing unit 1340 is a process in which the financial transaction terminal 145 performs a predetermined function (for example, an electronic payment processing function using a card) and / or predetermined information or data (for example, payment processing) generated as a result. Outputting the result information or data) to a predetermined printing device 1345 (eg, a receipt printer), and outputting the printing information or data in accordance with a predefined printing form through the predetermined printing device 1345. It includes a printing protocol and a driver for printing.

Referring to FIG. 13, the financial transaction terminal 145 may include a generation unit 1355 for generating a financial transaction request message (or data) for a financial transaction using the token code, and the financial transaction request message (or data). It includes a transmission unit 1365 for transmitting to the financial transaction server 1000, and a receiving unit 1360 for receiving the financial transaction approval full text (or data) from the financial transaction server 1000.

The generation unit 1355 is inputted through the key input means in addition to the conventional financial transaction related text (or data) generated by the financial transaction terminal 145, and / or the token code inputted through a local area communication unit. And generating a full financial transaction request message (or data) including wireless terminal information and predetermined financial transaction information.

The transmission unit 1365 transmits the financial transaction request message (or data) generated by the generation unit 1355 to the financial transaction server 1000 through the communication unit 1330. If the communication network connected to the communication unit 1330 is an open communication network that allows external access such as the Internet (or the financial transaction terminal 145 is an online financial transaction terminal 145), the transmission unit requests the financial transaction. It is preferable to further include a functional configuration for encrypting the full text (or data) to be transmitted.

The receiving unit 1360 receives a predetermined financial transaction approval message (or data) (or a financial transaction error message (or data)) corresponding to the financial transaction request message (or data) from the financial transaction server 1000. It is characterized by.

When the functional configuration of the financial transaction terminal 145 of FIG. 13 is applied to a wired terminal including a personal computer and / or a laptop, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. The generation unit 1355, the transmission unit 1365, and the reception unit 1360 interoperate with the web browser provided in the wired terminal, and use the token code, the wireless terminal information, and the predetermined finance for a financial transaction using the token code. It will be clearly understood that it is possible to be provided in the form of a plug-in for generating a full financial transaction request message (or data) containing transaction information.

In addition, in the case where the functional configuration of the financial transaction terminal 145 of FIG. 13 is applied to the customer wireless terminal 1100, a person having ordinary knowledge in the technical field to which the present invention pertains may generate the above with reference to FIG. It will be apparent that the unit 1355, the transmitter 1365, and the receiver 1360 are included in the financial processing unit 1185 of the wireless terminal 1100 shown in FIG. 11.

14 is a diagram illustrating an implementation process of applying a token code-based financial transaction to a card settlement system according to an embodiment of the present invention.

More specifically, FIG. 14 illustrates a method of applying a token code-based financial transaction method according to the present invention to a card payment system including at least one of a credit card, a debit card, and a check card. The present invention relates to a method for processing the wireless terminal information and token code for the token code-based financial transaction in a predetermined payment terminal in order to minimize the VAN fee burden in a predetermined payment terminal.

However, the implementation method of applying the token code-based financial transaction method according to the present invention to the card payment system is not limited to the case of FIG. 14, and a person having ordinary knowledge in the technical field to which the present invention belongs, Various implementation methods for applying the token code-based financial transaction method according to the present invention to the card payment system with reference to 14 (e.g., the method for transmitting wireless terminal information and token code to the server before / after the card payment processing is performed) ) Can be easily inferred.

Referring to FIG. 14, a payment terminal (e.g., CAT (Credit Authorization Terminal)) switches to a token code based payment mode according to the present invention at the request of a customer, inputs a predetermined payment amount, and / or from the POS By receiving the payment amount, generating predetermined payment information (1400 including information to be included in the full payment processing request) that satisfies the components necessary for the card payment processing (1400), information not included in the payment information in the process Is card information to be read from the customer-owned card medium.

When the payment information is generated as described above, the payment terminal (eg, the payment terminal switched to the token code based payment mode) requests to input the customer wireless terminal information through a predetermined key input means (1405).

If the customer wireless terminal information is input (1410), the payment terminal requests to input a predetermined token code generated by the token agent included in the wireless terminal 1100 through a predetermined key input means (1415). The client wireless terminal 1100 drives a predetermined token agent provided in the wireless terminal 1100 through a predetermined PIN (1420), and the driven token agent generates at least one token generation information and a token. A predetermined token code is generated based on an algorithm and output on the screen of the wireless terminal 1100 (1425). The customer inputs the output token code through a predetermined key input means provided in the payment terminal.

According to another exemplary embodiment of the present invention, when the wireless terminal 1100 and the payment terminal have a predetermined short-range communication function, the wireless terminal information and the token code are input to the payment terminal through the short-range communication. It is possible.

If the generated token code is input (1430), the payment terminal completes a predetermined payment processing request message including the wireless terminal information, the token code, and the generated payment information input through the key input means. In operation 1440, the generated payment processing request message is transmitted to the server (eg, a server that performs validation and payment processing for the token code).

The server, having received the payment processing request message from the payment terminal, reads the payment processing request message and extracts the wireless terminal information and the token code (1445), and associates with the wireless terminal information from the storage medium 110. Extracted predetermined token agent information, and based on the extracted token agent, the token agent provided in the wireless terminal 1100 uses the same token generation information and token generation algorithm as the token agent used to generate the token code. A token authentication code is generated (1450), and the validity of the received token code is verified (1455) by comparing the received token code with the generated token authentication code.

If the validity of the received token code is not authenticated (e.g., the token code and the token authentication code do not match) (1460), the server generates a predetermined payment processing error message and sends it to the payment terminal. And prints a receipt including the full text of the payment processing error (1465).

On the other hand, if the validity of the received token code is authenticated (eg, if the token code and the token authentication code match) (1460), the server receives a predetermined financial transaction associated with the wireless terminal information from the storage medium 110. Extracting a means (or a payment means) to perform predetermined payment processing on payment information included in the payment processing request message (1470), generating a predetermined payment processing approval message corresponding to the payment processing result, and generating the The mobile terminal transmits the output to the payment terminal and prints a receipt including the full text of the payment processing approval (1475).

According to an embodiment of the present invention, the server stores a predetermined payment approval process corresponding to the payment approval result in a predetermined storage medium 135 in association with the financial transaction information (or payment means information). It is preferable to carry out more.

Figure 15 illustrates the entire payment processing request for token code-based payment processing according to an embodiment of the present invention.

More specifically, FIG. 15 includes a token code based payment approval request identifier according to the present invention in a transaction classification of a payment processing request message, and a wireless terminal complying with the card number system in a track-II data area of the payment processing request message. For the full payment processing request for token code-based payment processing, characterized in that it comprises information and token code.

Referring to FIG. 15, the wireless terminal information (eg, 11-digit numeric character) is included in 19-digit card information (eg, 16-digit card number and 3-digit CVC number), and the VAN company that receives the full payment processing request. In order to relay the payment processing request full message to the server normally, the first four digits of the 19-digit card information to include the server access number, and the remaining 11 digits of the wireless terminal information to include. In addition, the token code is included by allocating 10 characters to the validity area of the track-II data area.

FIG. 16 illustrates an implementation process of applying a token code based financial transaction to a financial automation system according to an exemplary embodiment of the present invention.

More specifically, FIG. 16 illustrates an implementation method applying the token code-based financial transaction method according to the present invention to a financial automation system including a CD / ATM, and specifically, a debit card, a cash card, a credit card, or a bankbook. The present invention relates to a method of withdrawing certain cash from a CD / ATM (hereinafter referred to as "financial terminal").

Referring to FIG. 16, a customer switches a financial transaction mode of a financial terminal that provides a token code based financial transaction according to the present invention to a token code based financial transaction mode (1600), and switches to the token code based financial transaction mode. The financial terminal requests input of the customer wireless terminal information through a predetermined key input means (1605).

If the customer wireless terminal information is input (1610), the financial terminal requests input of a predetermined token code generated through a token agent provided in the wireless terminal 1100 through a predetermined key input means (1615). The customer wireless terminal 1100 drives a predetermined token agent provided in the wireless terminal 1100 through a predetermined PIN (1620), and the driven token agent includes at least one token generation information and a token generation algorithm. To generate a predetermined token code based on the output to the screen of the wireless terminal 1100 (1625), the customer inputs the output token code through a predetermined key input means provided in the financial terminal.

According to another exemplary embodiment of the present invention, when the wireless terminal 1100 and the financial terminal have a predetermined short-range communication function, the wireless terminal information and the token code are input to the financial terminal through the short-range communication. It is possible.

If the generated token code is input (1630), the financial terminal generates predetermined customer authentication information data including the wireless terminal information and the token code input through the key input means (1635). The generated customer authentication information data is transmitted to the server (eg, a server providing a financial transaction in association with a financial terminal) (1640).

The server receiving the customer authentication information data from the financial terminal reads the customer authentication information data, extracts the wireless terminal information and the token code (1645), and associates with the wireless terminal information from the storage medium 110. Extracted predetermined token agent information, and based on the extracted token agent, the token agent provided in the wireless terminal 1100 uses the same token generation information and token generation algorithm as the token agent used to generate the token code. A token authentication code is generated (1650), and the validity of the received token code is verified (1655) by comparing the received token code with the generated token authentication code.

If the validity of the received token code is not authenticated (eg, the token code and the token authentication code do not match) (1660), the server generates predetermined token code authentication error data and sends it to the financial terminal. And output (1665).

On the other hand, if the validity of the received token code is authenticated (for example, if the token code and the token authentication code match) (1660), the server is a predetermined financial account associated with the wireless terminal information from the storage medium 110 Information data is extracted, transmitted to the financial terminal for output (1670), and the financial terminal performs a predetermined financial transaction (eg, cash withdrawal, etc.) based on the output financial account information (1675).

17 illustrates an implementation process of applying a token code based financial transaction to an online payment system according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates an implementation method of applying a token code-based financial transaction method according to the present invention to an online payment system including an internet shopping mall, and specifically, an online payment process without a predetermined payment method in an online payment process. It is about the implementation method.

Referring to FIG. 17, when a customer accesses a web server providing a token code based financial transaction according to the present invention and makes a payment request for an online payment based on a token code (1700), the web server corresponds to a predetermined terminal corresponding to the wired terminal. The payment information is generated (1705), and the wired terminal information and the generated payment information are transmitted to a predetermined server (for example, a server for providing a token code-based online financial transaction) (1710).

The server receiving the wired terminal information may input the wireless terminal information for token-based online payment and the predetermined token code generated through the token agent provided in the wireless terminal 1100 to the wired terminal. Request (1715), the customer wireless terminal 1100 drives a predetermined token agent provided in the wireless terminal 1100 via a predetermined PIN (1720), the driven token agent generates at least one token Generates a predetermined token code based on the information and token generation algorithm and outputs the generated token code to the screen of the wireless terminal 1100 (1725). The customer uses the predetermined key input means provided in the wired terminal. Enter through

According to another exemplary embodiment of the present invention, when the wireless terminal 1100 and the wired terminal have a predetermined short range communication function, the wireless terminal information and the token code are input to the financial terminal through the short range communication. It is possible.

If the generated token code is input (1730), the wired terminal transmits the wireless terminal information and the token code inputted through the key input means to the server (1735).

The server, having received the wireless terminal information and the token code from the wired terminal, extracts predetermined token agent information associated with the wireless terminal information from the storage medium 110 and based on the extracted token agent, the wireless terminal. The token agent provided in the terminal 1100 generates a predetermined token authentication code through the same token generation information and token generation algorithm as used to generate the token code (1740), and the received token code and the generated token The validity of the received token code is verified by comparing an authentication code (1745).

If the validity of the received token code is not authenticated (eg, if the token code and token authentication code do not match) (1750), the server generates predetermined token code authentication error data and sends it to the financial terminal. And output (1755).

On the other hand, if the validity of the received token code is authenticated (eg, if the token code and the token authentication code match) (1660), the server receives a predetermined financial transaction associated with the wireless terminal information from the storage medium 110. Extract means information (or payment means information) (1760), process payment for payment information received from the web server through the extracted financial transaction means information (or payment means information) (1765), and the payment Generate and transmit a predetermined payment processing history corresponding to the processing to the wired terminal (1770), and store the financial transaction means information (or payment means information and payment processing details in association with a predetermined author medium). (1775).

18 illustrates an implementation process of applying a token code based financial transaction to a wireless payment system according to an embodiment of the present invention.

More specifically, FIG. 18 illustrates an implementation method of applying a token code-based financial transaction method according to the present invention to a wireless payment system using a customer wireless terminal 1100. Specifically, the wireless terminal without a predetermined payment means in an online payment process. It is about an implementation method of processing through 1100.

Referring to FIG. 18, when a customer accesses a web server providing a token code based financial transaction according to the present invention and requests a payment, based on a token code based online payment (1800), the web server transmits a predetermined wireless data to the wired terminal. A request is made to input terminal information (1805).

If the wired terminal inputs the wireless terminal information (1810), the web server generates predetermined payment information corresponding to the wired terminal, and the generated payment information and the customer wireless terminal information to the server ( For example, a server providing a token code-based wireless financial transaction) is transmitted (1815).

The server transmits and outputs payment information provided from the web server to the customer wireless terminal 1100 through the wireless terminal information and requests a predetermined token code for payment processing for the payment information (1820). The customer wireless terminal 1100 drives a predetermined token agent provided in the wireless terminal 1100 through a predetermined PIN (1825), and the driven token agent performs at least one token generation information and a token generation algorithm. A predetermined token code is generated based on the generated token code and transmitted to the server (1830).

In the process of receiving the token code from the wireless terminal 1100, the server extracts caller information for the wireless terminal 1100 as the customer wireless terminal information and associates it with the wireless terminal information from the storage medium 110. Extracted predetermined token agent information, and based on the extracted token agent, the token agent provided in the wireless terminal 1100 uses the same token generation information and token generation algorithm as the token agent used to generate the token code. A token authentication code is generated (1835), and the validity of the received token code is verified (1840) by comparing the received token code with the generated token authentication code.

If the validity of the received token code is not authenticated (eg, the token code and the token authentication code do not match) (1850), the server generates predetermined token code authentication error data to generate the wireless terminal 1100. And send it to the server (1850).

On the other hand, if the validity of the received token code is authenticated (eg, if the token code and the token authentication code match) (1660), the server receives a predetermined financial transaction associated with the wireless terminal information from the storage medium 110. Extracting means information (or payment means information) (1855), processing payment for payment information received from the web server through the extracted financial transaction means information (or payment means information) (1860); A predetermined payment process history corresponding to the process is generated and transmitted and output to the wired terminal (1865).

19A and 19B illustrate a token code operation process according to an exemplary embodiment of the present invention.

In more detail, FIGS. 19A and 19B illustrate a 10-digit token code generated by the token agent provided in the wireless terminal 1100 and the generated 10-digit token code through a predetermined financial transaction terminal 145. The present invention relates to a preferred method of transmitting the financial transaction server 1000 and authenticating the token code in the financial transaction server 1000. For convenience, the token agent runs the token agent program and / or performs an internal authentication procedure. The process of inputting predetermined PIN information to perform is omitted.

19A and 19B illustrate only the token code being transmitted from the financial transaction to the financial transaction server 1000 in order to efficiently explain the token code operation process, the present invention is common in the art. If the person having knowledge, the token code is included in predetermined financial transaction information data for the token code-based financial transaction and the predetermined financial transaction information data including the wireless terminal information and transmitted to the financial transaction server 1000. It will be apparent that the present invention is not limited thereto.

Referring to FIG. 19A, the reader 1165 may read the internal resource of the wireless terminal 1100 and / or the token agent internal code by a predetermined token code generation command input by the input unit 1160 of the token agent program. And / or read at least one token code generation information defined by the token agent to be used to generate a predetermined token code from the memory unit 1155 and / or the memory unit included in the IC chip 1150, and the like. In operation 1905, the read one or more token generation information is provided to the generation unit 1170.

The generation unit 1170 generates an unpredictable predetermined token code by applying a hash algorithm for generating a token based on at least one token generation information provided from the reader 1165 (1910), and outputting the token. The unit 1175 outputs the generated token code to the screen of the wireless terminal (1915).

When the token code is output on the screen of the wireless terminal 1100 as described above, the token code is inputted to the financial transaction terminal 145 through a predetermined key input means provided in the financial transaction terminal 145 (1920). Or through the short-range communication means provided in the wireless terminal 1100 and the financial transaction terminal 145 (1920), the financial transaction terminal 145 is predetermined The token code is transmitted to the financial transaction server 1000 through the payment network 140 (S1925).

According to the exemplary embodiment of the present invention, the financial transaction terminal 145 transmits the token code to the financial transaction server 1000 through the payment network 140 for the token code-based financial transaction. The transaction terminal 145 transmits the token code, wireless terminal information generating the token code, and predetermined financial transaction information for token-based financial transactions to the financial transaction server 1000. It is desirable to.

According to the exemplary embodiment of the present invention, the drawing 19a is a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing step of FIG. 14 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal ( 1420-1425, and / or a process of generating a predetermined token code in the client wireless terminal 1100 in the financial transaction processing process of FIG. 16 and transmitting the predetermined token code to the financial transaction server 1000 through the financial terminal (1620-1625). And / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a wired terminal (1720 to 1725), and / or FIG. 18 illustrates a method for generating a predetermined token code from the wireless terminal 1100 in the financial transaction process of FIG. 18 and transmitting the generated token code to the financial transaction server 1000 through the wireless terminal. One will.

Referring to FIG. 19B, the information receiving unit of the financial transaction server 1000 includes a predetermined token code, wireless terminal information, and financial transaction information from the financial transaction terminal 145 through the payment network 140. In operation 1930, the information confirming unit confirms the wireless terminal information from the financial transaction information data (1935) and provides the identified financial transaction information data to the extracting unit (1940).

The extracting unit provided with the wireless terminal information extracts predetermined token agent information associated with the wireless terminal information (or corresponding to the received token code) from the storage medium 110 (1945), and extracts the extracted token. Agent information is provided to the authenticator (1940).

According to an embodiment of the present invention, the information confirmation unit preferably confirms the wireless terminal information by confirming the caller information of the wireless terminal 1100 that transmitted the token code, and / or the wireless to the token code When terminal information is received in association, the information confirmation unit preferably checks the received wireless terminal information in association with the token code.

When the token agent information is provided as described above, the authentication unit generates token information identical to the token generation information used to generate the token code in the token agent provided in the customer wireless terminal 1100 based on the token agent information and / or Alternatively, the token agent generates a predetermined token authentication code through the same procedure as that for generating the token code (1955), and compares the token with the token token received through the information receiver and the generated token authentication code. Validate the code (1960). If the validity of the token code is authenticated (1965), the financial transaction unit 1030 of the financial transaction server 1000 performs at least one financial transaction through predetermined financial transaction information associated with the wireless terminal information. To perform.

According to the exemplary embodiment of the present invention, the drawing 19b is a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 14 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal ( 1445 to 1460, and / or a process of generating a predetermined token code in the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through the payment terminal in the financial transaction processing process of FIG. 16 (1645 to 1660). And / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal (1740-1745), and / or FIG. 18 illustrates an embodiment of a process 1835 to 1840 generating a predetermined token code from the wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal in the financial transaction processing process of FIG. 18. that to be.

20A and 20B illustrate a token code operation process according to an exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B illustrate a 10-digit token code generated by the token agent provided in the wireless terminal 1100 and a predetermined wireless code generated by the wireless terminal 1100. As a preferred embodiment of the method for transmitting the financial transaction server 1000 through the network 140 and authenticating the token code in the financial transaction server 1000, the token agent program is operated by the token agent and / or for convenience. Alternatively, the process of inputting predetermined PIN information to perform the internal authentication procedure is omitted.

20A and 20B illustrate only the token code transmitted from the wireless terminal 1100 to the financial transaction server 1000 in order to efficiently explain the token code operation process, the present invention belongs to the present invention. Those skilled in the art will appreciate that the token code may be transmitted to the financial transaction server 1000 in association with predetermined financial transaction information for the token code based financial transaction, thereby. The present invention is not limited.

Referring to FIG. 20A, the reader 1165 may read the internal resource of the wireless terminal 1100 and / or the token agent internal code by a predetermined token code generation command input by the input unit 1160 of the token agent program. And / or read at least one token code generation information defined by the token agent to be used to generate a predetermined token code from the memory unit 1155 and / or the memory unit included in the IC chip 1150, and the like. In operation 2000, the read at least one token generation information is provided to the generation unit 1170.

The generation unit 1170 generates a predetermined token code that is unpredictable by applying a hash algorithm for generating a token based on at least one token generation information provided from the reader 1165 (2010) and outputting the token. The unit 1175 outputs the generated token code on the screen of the wireless terminal (2015), and the financial transaction server 1000 through a predetermined wireless network 140 in association with the communication processing unit 1180 (1180). In step 2020, the generated token code is transmitted.

According to another embodiment of the present invention, when the wireless terminal 1100 equipped with the token agent program performs a function of a predetermined financial transaction terminal 145 for the token code-based financial transaction, the output unit 1755 and the communication processor 1180 transmit the wireless network 140 to the financial transaction server 1000 in association with the generated token code and the financial transaction information.

According to the exemplary embodiment of the present invention, the drawing 20a is a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing step of FIG. 14 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal ( 1420-1425, and / or a process of generating a predetermined token code in the client wireless terminal 1100 in the financial transaction processing process of FIG. 16 and transmitting the predetermined token code to the financial transaction server 1000 through the financial terminal (1620-1625). And / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a wired terminal (1720 to 1725), and / or In the financial transaction processing process of FIG. 18, a method for generating a predetermined token code in the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through the wireless terminal 1825 to 1930 is described. To date.

Referring to FIG. 20B, the information receiver of the financial transaction server 1000 receives a predetermined token code transmitted from the wireless terminal 1100 through the wireless network 140 (2030), and the information receiver receives the token. In the process of receiving a code, the wireless terminal information in which the token code is transmitted in the form of the sender information is extracted and provided to the extracting unit (2040), and the extracting unit is connected to the wireless terminal information from the storage medium 110. The token agent information (or corresponding to the received token code) is extracted (2045), and the extracted token agent information is provided to the authenticator (2040).

According to an embodiment of the present invention, the information confirmation unit preferably confirms the wireless terminal information by confirming the caller information of the wireless terminal 1100 that transmitted the token code, and / or the wireless to the token code When terminal information is received in association, the information confirmation unit preferably checks the received wireless terminal information in association with the token code.

When the token agent information is provided as described above, the authentication unit generates token information identical to the token generation information used to generate the token code in the token agent provided in the customer wireless terminal 1100 based on the token agent information and / or Alternatively, the token agent generates a predetermined token authentication code through the same procedure as that generated by the token code (2055), and compares the token code received through the information receiver with the generated token authentication code. Validate the code (2060). If the validity of the token code is authenticated (2065), the financial transaction unit 1030 of the financial transaction server 1000 performs at least one financial transaction through predetermined financial transaction information associated with the wireless terminal information. To perform.

According to the exemplary embodiment of the present invention, the drawing 20b is a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing step of FIG. 14 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal ( 1445 to 1460, and / or a process of generating a predetermined token code in the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through the payment terminal in the financial transaction processing process of FIG. 16 (1645 to 1660). And / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal (1740-1745), and / or FIG. 18 illustrates an embodiment of a process 1835 to 1840 generating a predetermined token code from the wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal in the financial transaction processing process of FIG. 18. that to be.

21A, 21B, and 21C illustrate a token code operation process according to an exemplary embodiment of the present invention.

More specifically, FIGS. 21A, 21B, and 21C generate a 10-digit token code by receiving a challenge value from the financial transaction server 1000 in the token agent provided in the wireless terminal 1100, The preferred 10 digit token code is transmitted to the financial transaction server 1000 through a predetermined financial transaction terminal 145, and the financial transaction server 1000 relates to a preferred embodiment of the method for convenience. The process of inputting predetermined PIN information in order to drive the token agent program and / or perform an internal authentication procedure in the token agent is omitted.

21A and 21B illustrate only the token code being transmitted from the financial transaction to the financial transaction server 1000 in order to effectively explain the token code operation process, the present invention is common in the art. If the person having knowledge, the token code is included in predetermined financial transaction information data for the token code-based financial transaction and the predetermined financial transaction information data including the wireless terminal information and transmitted to the financial transaction server 1000. It will be apparent that the present invention is not limited thereto.

Referring to FIG. 21A, the authenticator provided in the financial transaction server 1000 extracts predetermined wireless terminal information to transmit a predetermined challenge value from the storage medium 110 (2100), and transmits the predetermined wireless terminal information to the wireless terminal 1100. Dynamically generating a predetermined challenge value to be transmitted to the provided token agent program (2105), and providing the wireless terminal information and the challenge value to the information transmitter, the information transmitter based on the wireless terminal information The generated challenge value is transmitted to the wireless terminal 1100 through 140 (2110).

When the generated challenge value is transmitted to the wireless terminal 1100 equipped with the token agent program as described above, the authentication unit stores the challenge value transmitted to the wireless terminal 1100 in the storage medium 110 (2115). ).

Referring to FIG. 21B, the reader 1165 of the token agent program receives a predetermined challenge value received from the financial transaction server 1000 through the communication processor 2120, and includes the received challenge value. At least one or more defined to be used by the token agent to generate a predetermined token code from the token agent internal code and / or a memory unit included in the memory unit 1155 and / or the IC chip 1150 The token code generation information is read (2125), and the read at least one token generation information is provided to the generation unit 1170 (2130).

The generation unit 1170 generates an unpredictable predetermined token code by applying a hash algorithm for generating a token based on at least one token generation information provided from the reader 1165 (2135), and outputs the token. The unit 1175 outputs the generated token code to the screen of the wireless terminal (2140).

When the token code is output on the screen of the wireless terminal 1100 as described above, the token code is input to the financial transaction terminal 145 through a predetermined key input means provided in the financial transaction terminal 145 (2145). Or through the predetermined short-range communication means provided in the wireless terminal 1100 and the financial transaction terminal 145 (2145), the financial transaction terminal 145 is predetermined The token code is transmitted to the financial transaction server 1000 through the payment network 140 (2150).

According to the exemplary embodiment of the present invention, the financial transaction terminal 145 transmits the token code to the financial transaction server 1000 through the payment network 140 for the token code-based financial transaction. The transaction terminal 145 transmits the token code, wireless terminal information generating the token code, and predetermined financial transaction information for token-based financial transactions to the financial transaction server 1000 by being included in predetermined financial transaction information data. It is desirable to.

According to the exemplary embodiment of the present invention, FIGS. 21A and 21B generate a predetermined token code from the customer wireless terminal 1100 in the financial transaction processing process of FIG. 14 and transmit the predetermined token code to the financial transaction server 1000 through the payment terminal. 1420 to 1425, and / or generating a predetermined token code from the client wireless terminal 1100 in the financial transaction processing process of FIG. 16 and transmitting the predetermined token code to the financial transaction server 1000 through the financial terminal 1620. 1625), and / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a wired terminal (1720 ~ 1725), And / or a process (1825 to 1830) of generating a predetermined token code from the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through the wireless terminal in the financial transaction processing process of FIG. 18. The method is shown.

Referring to FIG. 21C, the information receiver of the financial transaction server 1000 includes a predetermined token code, wireless terminal information, and financial transaction information from the financial transaction terminal 145 through the payment network 140. In operation 2155, the information confirming unit confirms the wireless terminal information from the financial transaction information data (2160), and provides the identified financial transaction information data to the extracting unit (2165).

The extracting unit provided with the wireless terminal information extracts predetermined token agent information associated with the wireless terminal information (or corresponding to the received token code) from the storage medium 110 (2170), and the extracted token. Agent information is provided to the authenticator (2175).

When the token agent information is provided as described above, the authentication unit generates token information identical to the token generation information used to generate the token code in the token agent provided in the customer wireless terminal 1100 based on the token agent information and / or Alternatively, the token agent generates a predetermined token authentication code through the same procedure as that generated by the token code (2180), and compares the token with the token token received through the information receiver and the generated token authentication code. Validate the code (2185). If the validity of the token code is authenticated (2190), the financial transaction unit 1030 of the financial transaction server 1000 performs at least one financial transaction through predetermined financial transaction information associated with the wireless terminal information. To perform.

According to the exemplary embodiment of the present invention, the drawing 21c generates a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing step of FIG. 14 and transmits the predetermined token code to the financial transaction server 1000 through the payment terminal ( 1445 to 1460, and / or a process of generating a predetermined token code in the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through the payment terminal in the financial transaction processing process of FIG. 16 (1645 to 1660). And / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal (1740-1745), and / or FIG. 18 illustrates an embodiment of a process 1835 to 1840 generating a predetermined token code from the wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal in the financial transaction processing process of FIG. 18. that to be.

22A, 22B, and 22C illustrate a token code operation process according to an exemplary embodiment of the present invention.

In more detail, FIGS. 22A, 22B, and 22C generate a 10-digit token code by receiving a challenge value from the financial transaction server 1000 in the token agent provided in the wireless terminal 1100, The generated 10-digit token code is transmitted from the wireless terminal 1100 to the financial transaction server 1000 through a predetermined wireless network 140, and the financial transaction server 1000 is preferably implemented to authenticate the token code. As a method, for convenience, a process of inputting predetermined PIN information to run the token agent program and / or perform an internal authentication procedure in the token agent is omitted.

22A and 22B illustrate only the token code being transmitted from the wireless terminal 1100 to the financial transaction server 1000 in order to efficiently explain the token code operation process. Those skilled in the art can clearly understand that the token code can be transmitted to the financial transaction server 1000 in association with predetermined financial transaction information for the token code-based financial transaction. The present invention is not limited by this.

Referring to FIG. 22A, the authenticator provided in the financial transaction server 1000 extracts predetermined wireless terminal information to transmit a predetermined challenge value from the storage medium 110 (2200) and transmits the predetermined wireless terminal information to the wireless terminal 1100. Dynamically generating a predetermined challenge value to be transmitted to the provided token agent program (2205), and providing the wireless terminal information and the challenge value to the information transmitter, the information transmitter based on the wireless terminal information The generated challenge value is transmitted to the wireless terminal 1100 through the 140 (2210).

When the generated challenge value is transmitted to the wireless terminal 1100 equipped with the token agent program as described above, the authentication unit stores the challenge value transmitted to the wireless terminal 1100 in the storage medium 110 (2215). ).

Referring to FIG. 22B, the reader 1165 of the token agent program receives a predetermined challenge value received from the financial transaction server 1000 through the communication processor 2220, and includes the received challenge value. At least one token defined to be used by the token agent to generate a predetermined token code from the token agent internal code and / or a memory unit included in the memory unit 1155 and / or the IC chip 1150 The code generation information is read (2225) and the read at least one token generation information is provided to the generation unit 1170 (2230).

The generation unit 1170 generates a predetermined token code that is unpredictable by applying a hash algorithm for generating a token based on at least one token generation information provided from the reader 1165 (2235), and outputting the token. The unit 1175 outputs the generated token code to the screen of the wireless terminal (2240), and generates the generated token code to the financial transaction server 1000 through a predetermined wireless network 140 in association with the communication processing unit 1180. The token token is transmitted (2245).

According to another embodiment of the present invention, when the wireless terminal 1100 equipped with the token agent program performs a function of a predetermined financial transaction terminal 145 for the token code-based financial transaction, the output unit 1755 and the communication processor 1180 transmit the wireless network 140 to the financial transaction server 1000 in association with the generated token code and the financial transaction information.

According to an exemplary embodiment of the present invention, FIGS. 22a and 22b generate a predetermined token code in the customer wireless terminal 1100 during the financial transaction processing of FIG. 14 and transmit the predetermined token code to the financial transaction server 1000 through the payment terminal. 1420 to 1425, and / or generating a predetermined token code from the client wireless terminal 1100 in the financial transaction processing process of FIG. 16 and transmitting the predetermined token code to the financial transaction server 1000 through the financial terminal 1620. 1625), and / or a process of generating a predetermined token code in the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through a wired terminal in the process of processing a financial transaction in FIG. 17 (1720 to 1725). And / or a process of generating a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing process of FIG. 18 and transmitting the predetermined token code to the financial transaction server 1000 through the wireless terminal 1825 to 1830. room Method shows a.

Referring to FIG. 22C, the information receiver of the financial transaction server 1000 receives a predetermined token code transmitted from the wireless terminal 1100 through the wireless network 140 (2255), and the information receiver receives the token. In the process of receiving a code, the wireless terminal information in which the token code is transmitted in the form of the sender information is extracted and provided to the extracting unit (2265), and the extracting unit is connected to the wireless terminal information from the storage medium 110. The predetermined token agent information (or corresponding to the received token code) is extracted (2270), and the extracted token agent information is provided to the authenticator (2275).

When the token agent information is provided as described above, the authentication unit generates token information identical to the token generation information used to generate the token code in the token agent provided in the customer wireless terminal 1100 based on the token agent information and / or Alternatively, the token agent generates a predetermined token authentication code through the same procedure as that for generating the token code (2280), and compares the token with the token token received through the information receiver and the generated token authentication code. Validate the code (2285). If the validity of the token code is authenticated (2290), the financial transaction unit 1030 of the financial transaction server 1000 performs at least one financial transaction through predetermined financial transaction information associated with the wireless terminal information. Perform.

According to the exemplary embodiment of the present invention, the drawing 21c generates a predetermined token code in the customer wireless terminal 1100 in the financial transaction processing step of FIG. 14 and transmits the predetermined token code to the financial transaction server 1000 through the payment terminal ( 1445 to 1460, and / or a process of generating a predetermined token code in the customer wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through the payment terminal in the financial transaction processing process of FIG. 16 (1645 to 1660). And / or a process of generating a predetermined token code in the client wireless terminal 1100 in the financial transaction processing process of FIG. 17 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal (1740-1745), and / or FIG. 18 illustrates an embodiment of a process 1835 to 1840 generating a predetermined token code from the wireless terminal 1100 and transmitting the predetermined token code to the financial transaction server 1000 through a payment terminal in the financial transaction processing process of FIG. 18. Would .

By providing a financial transaction processing method and system using a wireless terminal number according to the present invention, when the financial transaction on the offline and / or online and / or wireless, a predetermined volatilized by time and / or a predetermined random variable Token code has the advantage of safer financial transactions.

Further, by using the wireless terminal number, without exposing financial transaction information (eg, financial account information, credit card information, debit card information, cash card information, check card information, prepaid card information, electronic money information, etc.) The advantage is that convenient and safe financial transactions are possible.

Claims (57)

  1. At least one or more financial transaction information in a predetermined information storage means, wireless terminal information (and / or customer information) owned by the financial transaction means, and predetermined token generation program information about a token generation program provided in the customer owned terminal; Financial transaction means information storage step of storing in a predetermined storage medium in association with;
    In the financial transaction of the customer owning the financial transaction means, the predetermined transaction generated by the token generation program provided in the customer-owned terminal from the predetermined financial transaction terminal to the financial transaction processing means (or the financial transaction processing means linking device or server) on the communication network. Transmitting token code information and the customer-owned wireless terminal information;
    The financial transaction processing means (or financial transaction processing means-linked device or server) in association with the storage medium (or storage medium operating means), the financial transaction means information associated with the customer-owned wireless terminal information, and the customer-owned radio; An information checking step of confirming token generating program information associated with the terminal information (and / or customer information) and / or financial transaction means information;
    The financial transaction processing means (or the financial transaction processing means associated device or the server) authenticates the validity of the token code by using the verified token generation program information, and in accordance with the validity authentication result of the token code, the financial transaction. A financial transaction authentication step of authenticating the validity of the financial transaction;
    And a financial transaction processing step of processing the financial transaction using the identified financial transaction means in accordance with the validity verification result in the financial transaction processing means.
  2. At least one financial transaction information in a predetermined information storage means, a predetermined token generation program for the financial transaction means owned customer-owned wireless terminal information (and / or customer information) and the token generation program provided in the customer-owned wireless terminal A financial transaction means information storing step of storing information in a predetermined storage medium in association with the information;
    In the financial transaction of the customer owning the financial transaction means, the predetermined transaction generated by the token generation program included in the customer-owned terminal from the customer-owned wireless terminal to the financial transaction processing means (or the financial transaction processing means associated device or server) on the communication network. Transmitting token code information;
    The financial transaction processing means (or financial transaction processing means-linked device or server) in association with the storage medium (or storage medium operating means), the financial transaction means information associated with the customer-owned wireless terminal information, and the customer-owned radio; An information checking step of confirming token generating program information associated with the terminal information (and / or customer information) and / or financial transaction means information;
    The financial transaction processing means (or the financial transaction processing means associated device or the server) authenticates the validity of the token code by using the verified token generation program information, and in accordance with the validity authentication result of the token code, the financial transaction. A financial transaction authentication step of authenticating the validity of the financial transaction;
    And a financial transaction processing step of processing the financial transaction using the identified financial transaction means in accordance with the validity authentication result in the financial transaction processing means.
  3. The method of claim 2,
    And receiving or confirming, by the financial transaction processing means (or a financial transaction processing means linking device or server), the wireless terminal information in connection with a server on a communication network.
  4. The method of claim 1 or 2, wherein the financial transaction,
    A financial transaction processing method comprising an online financial transaction and / or an online financial transaction.
  5. The method of claim 1 or 2, wherein the financial transaction,
    Payment transactions on-line and / or online,
    Account transfer financial transactions offline and / or online,
    A financial transaction processing method comprising at least one cash withdrawal financial transaction on the offline.
  6. The method of claim 1 or 2, wherein the financial transaction means,
    A financial transaction processing method comprising at least one financial account, a credit card, a debit card, a cash card, a check card, a prepaid card, and electronic money.
  7. The method of claim 1, wherein the financial transaction terminal,
    And at least one payment terminal comprising the customer-owned wireless terminal or wired terminal, a financial transaction automation processing device such as CD / ATM, and a CAT terminal or a POS terminal.
  8. The method of claim 1 or 2, wherein the customer-owned terminal,
    A financial transaction processing method comprising a wireless terminal and / or a wired terminal.
  9. The method according to claim 1 or 2,
    And a token generation program providing step of providing the predetermined token generation program from the predetermined token generation program providing means to the customer terminal possessing the predetermined financial transaction means.
  10. The method of claim 1,
    Information transmission for transmitting predetermined financial transaction processing history (or payment approval text) data corresponding to the financial transaction processing from a predetermined information transmission means to the financial transaction terminal (or a wireless terminal or a wired terminal owned by the financial transaction means). The financial transaction processing method, characterized in that further comprising the step.
  11. The method of claim 2,
    And transmitting, by a predetermined information transmitting means, predetermined financial transaction processing history (or payment approval text) data corresponding to the financial transaction processing to the financial transaction means-owning customer wireless terminal. How to deal with financial transactions.
  12. The method of claim 10 or 11, wherein the information transmission step,
    The financial transaction processing (or payment approval) data is transmitted to the financial transaction terminal (or the financial transaction means-owned customer wireless terminal or wired terminal) via a predetermined relay server such as a VAN company server. How to process a transaction.
  13. The method according to claim 1 or 2,
    Finance that stores predetermined financial transaction processing history (or payment approval) data corresponding to the financial transaction processing in a predetermined storage medium in association with the financial transaction information (and / or customer information) in a predetermined information storage means. Financial transaction processing method characterized in that it further comprises a transaction processing history storage step.
  14. According to claim 1 or 2, wherein the financial transaction authentication step,
    When the financial transaction terminal or the wireless terminal further provides at least one or more authentication information (or secret code) associated with the financial transaction means, the validity authentication of the authentication information (or secret code) is applied to the validity authentication of the financial transaction. Financial transaction processing method characterized in that it further comprises the step of including.
  15. The method according to claim 1 or 2,
    And when the financial transaction is made online, receiving the predetermined financial transaction information from a server on a communication network at the financial transaction terminal or the wireless transaction means-owning customer wireless terminal.
  16. According to claim 1 or 2, wherein the financial transaction authentication step,
    A financial transaction comprising generating a predetermined token authentication code corresponding to the received token code by referring to the token generation program information, and comparing the token code with the token authentication code to authenticate validity of the token code. Treatment method.
  17. A recording medium comprising a program for executing the method of any one of claims 1 to 16.
  18. Predetermined storage by linking at least one financial transaction means information, the wireless transaction information (and / or customer information) owned by the financial transaction means owned by the predetermined token generation program information for the token generation program provided in the customer-owned terminal Information storage means for storing in a medium;
    A financial transaction terminal for transmitting predetermined token code information generated by a token generation program provided in the client-owned terminal and the customer-owned wireless terminal information to a server on a communication network during a financial transaction of the customer possessing the financial transaction means; And
    Financial transaction means information associated with the customer-owned wireless terminal information, the customer-owned wireless terminal information (and / or customer information) and / or financial transaction means information in association with the storage medium (or storage medium operating means); A server for verifying the associated token generation program information, authenticating the validity of the token code using the identified token generation program information, and authenticating the validity of the financial transaction according to a validity authentication result of the token code; And
    And financial transaction processing means for processing the financial transaction using the identified financial transaction means according to the validity authentication result.
  19. The method of claim 18, wherein the server,
    Financial transaction processing system, characterized in that included in or connected to the financial transaction processing means.
  20. The method of claim 18, wherein the financial transaction,
    A financial transaction processing system comprising an offline financial transaction and / or an online financial transaction.
  21. The method of claim 18, wherein the financial transaction,
    Payment transactions on-line and / or online,
    Account transfer financial transactions offline and / or online,
    Financial transaction processing system comprising at least one or more cash withdrawal financial transactions on the offline.
  22. The method of claim 18, wherein the financial transaction means,
    A financial transaction processing system comprising at least one of a financial account, a credit card, a debit card, a cash card, a check card, a prepaid card, and an electronic money.
  23. The method of claim 18, wherein the financial transaction terminal,
    And at least one payment terminal including the customer-owned wireless terminal or a wired terminal, a financial transaction automation processing device such as a CD / ATM, and a CAT terminal or a POS terminal.
  24. The method of claim 18, wherein the customer-owned terminal,
    Financial transaction processing system comprising a wireless terminal and / or a wired terminal.
  25. The method of claim 18,
    The financial transaction processing system further comprises a token generating program providing means for providing a predetermined token generating program to the customer terminal owning the predetermined financial transaction means.
  26. The method of claim 18,
    It further comprises information transmission means for transmitting a predetermined financial transaction processing history (or payment approval full text) data corresponding to the financial transaction processing to the financial transaction terminal (or a customer wireless terminal or wired terminal owned by the financial transaction means). Financial transaction processing system, characterized in that.
  27. The method of claim 26, wherein the information transmitting means,
    The financial transaction processing (or payment approval) data is transmitted to the financial transaction terminal (or the financial transaction means-owned customer wireless terminal or wired terminal) via a predetermined relay server such as a VAN company server. Transaction processing system.
  28. The method of claim 18,
    Further comprising information storage means for storing the predetermined financial transaction processing history (or payment approval professional) data corresponding to the financial transaction processing in a predetermined storage medium in association with the financial transaction means information (and / or customer information); Financial transaction processing system, characterized in that made.
  29. The method of claim 18, wherein the server,
    When the financial transaction terminal further provides at least one or more authentication information (or secret code) associated with the financial transaction means,
    Financial transaction processing system, characterized in that to include the validity authentication of the authentication information (or secret code) in the validity of the financial transaction.
  30. The method of claim 18, wherein the financial transaction terminal,
    And when the financial transaction means is used on-line, receiving predetermined financial transaction information from a server on a communication network.
  31. The method of claim 18, wherein the server,
    A predetermined token authentication code corresponding to the received token code with reference to the token generation program information associated with the financial transaction means information and / or the financial transaction means owned customer information (and / or customer-owned wireless terminal information). To generate and compare the token code and the token authentication code to verify the validity of the token code financial transaction processing system.
  32. 29. The method of any one of claims 18 to 28, wherein each of the means is
    On a single server (or device),
    A financial transaction processing system, characterized in that provided in a plurality of servers (or devices).
  33. 29. The method of any one of claims 18 to 28, wherein each of the means is
    Financial transaction processing system, characterized in that included in or connected to the financial transaction processing means.
  34. Predetermined storage by linking at least one financial transaction means information, the wireless transaction information (and / or customer information) owned by the financial transaction means owned by the predetermined token generation program information for the token generation program provided in the customer-owned terminal Information storage means for storing in a medium;
    A customer-owned wireless terminal that transmits predetermined token code information generated by a token generation program included in the customer-owned terminal to a server on a communication network during a financial transaction of the customer possessing the financial transaction means; And
    Financial transaction means information associated with the customer-owned wireless terminal information, the customer-owned wireless terminal information (and / or customer information) and / or financial transaction means information in association with the storage medium (or storage medium operating means); A server for verifying the associated token generation program information, authenticating the validity of the token code using the identified token generation program information, and authenticating the validity of the financial transaction according to a validity authentication result of the token code; And
    And financial transaction processing means for processing the financial transaction using the identified financial transaction means according to the validity authentication result.
  35. When a predetermined financial transaction terminal transmits the predetermined token code information generated by the token generation program provided in the client-owned terminal and the customer-owned wireless terminal information during the financial transaction of the customer possessing the predetermined financial transaction means, the client directly receives this Or a receiving unit for receiving through a predetermined server relay;
    The predetermined means for storing and managing the financial transaction means information, the wireless terminal information (and / or customer information) owned by the financial transaction means owned and the predetermined token generation program information for the token generation program provided in the customer-owned terminal Financial transaction means information associated with the customer-owned wireless terminal information, the customer-owned wireless terminal information (and / or customer information) and / or financial transaction means information in association with the storage medium (or storage medium operating means) An information confirmation unit for confirming token generation program information associated with the information;
    A financial transaction authentication unit for authenticating the validity of the token code by using the verified token generation program information, and authenticating the validity of the financial transaction according to a validity authentication result of the token code; And
    And a financial transaction processing unit for processing the financial transaction using the identified financial transaction means according to the validity verification result.
  36. The method of claim 35, wherein the financial transaction,
    A financial transaction processing apparatus comprising an online financial transaction and / or an online financial transaction.
  37. The method of claim 35, wherein the financial transaction,
    Payment transactions on-line and / or online,
    Account transfer financial transactions offline and / or online,
    Financial transaction processing apparatus comprising at least one or more cash withdrawal financial transactions on the offline.
  38. The method of claim 35, wherein the financial transaction means,
    A financial transaction processing apparatus comprising at least one financial account, a credit card, a debit card, a cash card, a check card, a prepaid card, and an electronic money.
  39. The method of claim 35, wherein the financial transaction terminal,
    And at least one payment terminal including the customer-owned wireless terminal or wired terminal, a financial transaction automation processing device such as CD / ATM, and a CAT terminal or POS terminal.
  40. 36. The method of claim 35, wherein the customer-owned terminal,
    Financial transaction processing apparatus comprising a wireless terminal and / or a wired terminal.
  41. The method of claim 35, wherein
    And a token generation program providing unit for providing a predetermined token generation program to the customer terminal.
  42. The method of claim 35, wherein
    And further comprising an information transmission unit for transmitting predetermined financial transaction processing history (or payment approval text) data corresponding to the financial transaction processing to the financial transaction terminal (or a wireless terminal or a wired terminal owned by the financial transaction means). Characterized in that the financial transaction processing unit.
  43. The method of claim 35, wherein
    And an information storage unit for storing predetermined financial transaction processing history (or payment approval) data corresponding to the financial transaction processing in a predetermined storage medium in association with the financial transaction means information (and / or customer information). Financial transaction processing apparatus, characterized in that.
  44. The method of claim 35, wherein the authentication unit,
    When the financial transaction terminal further transmits at least one authentication information (or secret code) associated with the financial transaction means,
    Financial transaction processing apparatus comprising the verification of the validity of the authentication information (or secret code) in the validity of the financial transaction.
  45. The method of claim 35, wherein the authentication unit,
    A financial transaction comprising generating a predetermined token authentication code corresponding to the received token code by referring to the token generation program information, and comparing the token code with the token authentication code to authenticate validity of the token code. Processing unit.
  46. The financial transaction processing apparatus according to any one of claims 35 to 45, wherein
    Consists of a single device (or server), or
    A financial transaction processing apparatus comprising a plurality of devices (or servers).
  47. 46. A recording medium, comprising: a program for executing a function of the apparatus component of any one of claims 35 to 45;
  48. Receiving unit for receiving a predetermined token code information generated by the token generation program provided in the customer-owned terminal during a predetermined financial transaction in the financial transaction customer wireless terminal, directly receiving or receiving through a predetermined server relay;
    The predetermined means for storing and managing the financial transaction means information, the wireless terminal information (and / or customer information) owned by the financial transaction means owned and the predetermined token generation program information for the token generation program provided in the customer-owned terminal Financial transaction means information associated with the customer-owned wireless terminal information, the customer-owned wireless terminal information (and / or customer information) and / or financial transaction means information in association with the storage medium (or storage medium operating means) An information confirmation unit confirming the associated token generation program information;
    A financial transaction authentication unit for authenticating the validity of the token code by using the verified token generation program information, and authenticating the validity of the financial transaction according to a validity authentication result of the token code; And
    And a financial transaction processing unit for processing the financial transaction using the identified financial transaction means according to the validity verification result.
  49. The method of claim 48, wherein the receiving unit or confirmation unit,
    And the wireless terminal information is received or confirmed in association with a server on a communication network.
  50. A recording medium, comprising: a program for executing a function of the apparatus component of claim 48;
  51. A communication unit for processing predetermined data transmission and reception with a financial transaction processing means (or a financial transaction processing means associated device or server) on a communication network; And
    When the client requests a financial transaction approval to the financial transaction processing means (or a financial transaction processing means linking device or server), the customer owns the wireless transaction to the financial transaction processing means (or the financial transaction processing means linking device or server) through the communication unit. And a token code processor configured to transmit terminal information and predetermined token code information generated by the client terminal.
  52. A recording medium, comprising: a program for executing a function of the apparatus component of claim 51;
  53. A communication processor for receiving a predetermined token generation program in association with a server on a communication network; And
    Using the predetermined code (or pin number or password) input by the user through a predetermined key input unit, the token generation program is driven, and the token code generated by the token generation program is linked with a predetermined output unit. And a control unit for outputting or providing the generated token code to a predetermined terminal (or server) in cooperation with the communication processing unit.
  54. The method of claim 53,
    The communication processing unit,
    And receiving predetermined financial transaction information from a server (or device) on a communication network.
  55. The terminal device of claim 53, wherein the terminal device comprises:
    A terminal device comprising a wired terminal such as a mobile terminal, a PDA, a portable Internet phone, and at least one or more telematics, and / or a PC.
  56. 55. A recording medium, comprising: a program for executing a function of the apparatus component of any one of claims 53 to 54;
  57. A financial transaction instrument information data file that stores at least one financial transaction instrument information;
    A financial transaction means customer information data file that stores the financial transaction means customer information;
    A financial transaction means customer wireless terminal information data file for storing wireless terminal information of the customer with financial transaction means; And
    And a token generation program information data file provided to the financial transaction means owning customer terminal or storing predetermined token generation program information for a predetermined token generation program provided in the financial transaction means owning customer terminal. Characterized in that,
    At least one mutually interrelated process of the financial transaction means information data file, the financial transaction means owned customer information data file, the financial transaction means owned customer wireless terminal information data file, and the token generation program information data file. Information storage medium, characterized in that.
KR1020050075010A 2005-08-16 2005-08-16 System and Method for Processing Financial Transaction by Using Mobile Number, Devices for Processing Financial Transaction, Terminals for Financial Transaction, Devices and Recording Medium KR20070020772A (en)

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101040224B1 (en) * 2010-12-24 2011-06-09 에이큐 주식회사 A system of operating with certificated security information
KR20120076590A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using personal information and subscriber identification module, system, terminal and communication management apparatus therefor
KR20120076591A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using subscriber information and security token, system, terminal and communication management apparatus therefor
KR20120076589A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using subscriber information and subscriber identification module, system, terminal and communication management apparatus therefor
KR20120076593A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment, system, terminal and communication management apparatus therefor
KR101228853B1 (en) * 2011-02-07 2013-02-01 루멘소프트 (주) System for Electronic Payment Using Two User Terminals
WO2015023800A1 (en) * 2013-08-13 2015-02-19 Blackhawk Network, Inc. Open payment network

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20120076590A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using personal information and subscriber identification module, system, terminal and communication management apparatus therefor
KR20120076591A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using subscriber information and security token, system, terminal and communication management apparatus therefor
KR20120076589A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using subscriber information and subscriber identification module, system, terminal and communication management apparatus therefor
KR20120076593A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment, system, terminal and communication management apparatus therefor
KR101040224B1 (en) * 2010-12-24 2011-06-09 에이큐 주식회사 A system of operating with certificated security information
KR101228853B1 (en) * 2011-02-07 2013-02-01 루멘소프트 (주) System for Electronic Payment Using Two User Terminals
WO2015023800A1 (en) * 2013-08-13 2015-02-19 Blackhawk Network, Inc. Open payment network

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