KR20080009671A - System for mobile escrow payment - Google Patents

Abstract

A system for processing mobile escrow payment is provided to process account transfer-based payment of an Internet shopping mall conveniently through a mobile payment tool equipped with a VM(Virtual Machine)-based mobile payment function by using a mobile message including payment information corresponding to Internet shopping. An information receiver(120) receives the payment information and customer information when an Internet shopping mall server transmits the information to a mobile payment server when a customer selects mobile payment. An information transmitter transmits a payment request message to a customer mobile terminal. A payment processor(125) withdraws a payment amount from the customer account and deposits the withdrawn payment amount to a virtual account generated according to the payment process by responding to a payment process of the mobile terminal if the mobile terminal executes a payment processing program based on the payment request message. An escrow service provider transfers the amount deposited in the virtual account to a seller account after the customer receives paid goods. A virtual account generator generates the virtual account according to the payment process.

Description

Mobile Escrow Payment Processing System {System for Mobile Escrow Payment}

1 is a diagram illustrating an internet shopping system for immediately processing a wire transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

2A, 2B and 2C are diagrams illustrating an internet shopping process of immediately processing a wire transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of a wireless banking system for promptly processing an online account transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

4 is a diagram illustrating a wireless payment means function configuration for immediately processing an online account transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

5 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to an embodiment of the present invention.

6 is a diagram illustrating a wireless message structure sent by a wireless messaging system according to an embodiment of the present invention.

7A and 7B illustrate a process of immediately processing a wire transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

8 is a diagram illustrating a method for encrypting and transmitting wireless banking request information by a symmetric key (or secret key) method in a wireless payment means according to an embodiment of the present invention.

9 is a diagram illustrating a method of decrypting wireless banking request information encrypted and received by a wireless banking server by a symmetric key (or secret key) method according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a method for encrypting and transmitting wireless banking request information in a public key infrastructure in a wireless payment means according to an embodiment of the present invention.

11 is a diagram illustrating a method for decrypting wireless banking request information encrypted and received by a wireless banking server according to an embodiment of the present invention using a public key infrastructure.

12 is a diagram illustrating a method for encrypting and transmitting wireless banking request information by an electronic envelope method in a wireless payment means according to an embodiment of the present invention.

13 is a diagram illustrating a method for decrypting wireless banking request information encrypted and received by a wireless banking server according to an embodiment of the present invention by an electronic envelope method.

14A and 14B illustrate a method of encrypting and transmitting wireless banking request information by a key exchange method in a wireless payment means according to an embodiment of the present invention.

15 is a diagram illustrating a method of decrypting wireless banking request information encrypted and received by a wireless banking server according to an embodiment of the present invention using a key exchange method.

FIG. 16 is a diagram illustrating a wireless banking system for immediately processing an online account transfer (or virtual account) payment through a wireless payment method according to another embodiment of the present invention.

17 is a diagram illustrating a wireless payment means function configuration for immediately processing an online account transfer (or virtual account) payment through a wireless payment method according to another embodiment of the present invention.

18 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to another embodiment of the present invention.

19 illustrates a wireless message structure sent by a wireless messaging system according to an embodiment of the present invention.

20A, 20B, and 20C illustrate a process of immediately processing a wire transfer (or virtual account) payment through a wireless payment method according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a method for encrypting and transmitting wireless banking processing information by a symmetric key (or secret key) method in a wireless payment means according to an embodiment of the present invention.

FIG. 22 is a diagram illustrating a method of decrypting wireless banking processing information encrypted and received by a wireless banking server using a symmetric key (or secret key) method according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating a method for encrypting and transmitting wireless banking processing information by a public key infrastructure in a wireless payment means according to an embodiment of the present invention.

FIG. 24 is a diagram illustrating a method for decrypting wireless banking processing information encrypted and received by a wireless banking server according to an embodiment of the present invention using a public key infrastructure.

25 is a diagram illustrating a method for encrypting and transmitting wireless banking processing information by an electronic envelope method in a wireless payment means according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a method of decrypting wireless banking processing information encrypted and received by a wireless banking server according to an embodiment of the present invention by an electronic envelope method.

27A and 27B illustrate a method of encrypting and transmitting wireless banking processing information by a key exchange method in a wireless payment means according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a method of decrypting wireless banking processing information encrypted and received by a wireless banking server according to an embodiment of the present invention using a key exchange method.

<Description of main parts of drawing>

100: Internet shopping server 105: Web interface unit

110: web page operation headquarters 115: interface provider

120: information receiving unit 125: payment processing unit

130: DBMS 135: client terminal

300: wireless banking server 305: interface unit

310: information receiving unit 315: banking processing unit

320: information transmission unit 325: wireless payment means

405: control unit 410: screen output unit

415: sound processor 420: key input unit

425: battery 430: wireless processing unit

435: short-range communication unit 440: short-range device

460: camera portion 465: camera

470: memory unit 475: message receiving unit

480: message processing unit 485: wireless banking unit

1600: wireless banking server 1605: information receiver

1610: information storage unit 1615: information transmission unit

1620: interface unit 1625: wireless payment means

1705: controller 1710: screen output unit

1715: sound processor 1720: key input unit

1725: battery 1730: wireless processing unit

1735: Near field communication unit 1740: Near field device

1750: IC chip reader 1755: IC chip

1760: camera unit 1765: camera

1770: memory unit 1775: message receiving unit

1780: message processing unit 1785: wireless banking unit

According to the present invention, when the customer selects the mobile payment, the payment information and the customer information are transmitted from the merchandise sales server to the mobile payment server. Information transmission means for transmitting a request message (or data), and a predetermined payment processing program is driven on the basis of the payment request message (or data) at the customer wireless terminal, and is executed through the driven payment processing program. When the payment processing corresponding to the payment request is performed, withdraw the payment amount from the customer account in response to the payment processing through the customer wireless terminal, and then deposit the withdrawn money into the virtual account generated in response to the payment processing. Payment processing means for processing and the customer receives the payment target product, the deposit processing to the virtual account The present invention relates to a mobile escrow payment processing system including an escrow service providing means for transferring the processed amount to the merchandise sales server or a merchandise seller account.

Among the payment methods included in the payment information, an account transfer (or virtual account) payment method (or electronic bank payment method) may provide an escrow service more easily than other payment methods, thereby making a payment recently received. Although it is emerging as a means, it includes a problem that is inconvenient to use compared to other payment methods (eg, credit card, check card, debit card, prepaid card, electronic wallet).

An object of the present invention, when a customer selects a mobile payment, when payment information and customer information is transmitted from the merchandise sales server to the mobile payment server, receiving it, based on the received information, the payment request to the customer wireless terminal Transmits a message (or data), drives a predetermined payment processing program on the basis of the payment request message (or data) in the customer wireless terminal, and responds to the payment request through the driven payment processing program; When the payment processing is performed, withdraw the payment amount from the customer account in response to the payment processing through the customer wireless terminal, and deposit the withdrawn money into the virtual account generated in response to the payment processing, and the customer After receiving the payment target product, the amount deposited in the virtual account is the product sales server or product Escrow is a mobile payment processing system to handle the buyer transfers to the account to provide.

In the mobile escrow payment processing system according to the present invention, when the customer selects the mobile payment, the payment information and the customer information are transmitted from the merchandise sales server to the mobile payment server. Information transmission means for transmitting a payment request message (or data) to the customer wireless terminal; and a predetermined payment processing program is driven on the basis of the payment request message (or data) at the customer wireless terminal, When the payment processing corresponding to the payment request is performed through the driven payment processing program, withdraw the payment amount from the customer account in response to the payment processing through the customer wireless terminal, and then transfer the withdrawn amount to the payment processing. Payment processing means for processing the deposit to the virtual account generated in response to the payment target After receiving service products, characterized by comprising the escrow service providing means for handling the payment transfer the processed amount in the virtual account to the trade server products or goods seller account.

According to the present invention, the mobile escrow payment processing system further comprises a virtual account generating means for generating a virtual account for providing an escrow service corresponding to the payment processing.

Reference will now be made in detail to the principles of operation of the preferred embodiments of the present invention, with reference to the accompanying drawings and description. 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 intention or custom of a user or an operator. Therefore, the definition should be made based on the contents throughout the present invention.

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 addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments 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's just

1 is a diagram illustrating an internet shopping system for immediately processing a wire transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

In more detail, in FIG. 1, when the client terminal 135 having at least one web browser program accesses a predetermined Internet shopping server 100 using a Hyper-Text Transfer Protocol (HTTP), the Internet shopping server ( 100 to provide at least one product sales information to the client terminal 135 through a predetermined web page, and the client terminal 135 to process the purchase and payment of at least one product based on the product sales information. The present invention relates to a system configuration for providing an internet shopping service, and specifically illustrates a system configuration for processing an immediate payment (or virtual account) payment provided on an internet shopping system through a customer wireless payment method.

Those skilled in the art to which the present invention pertains, various implementations of the Internet shopping system configuration for immediately processing the wire transfer (or virtual account) payment through a wireless payment means by referring to and / or modified in the Figure 1 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an internet shopping system for immediately processing a wire transfer (or virtual account) payment through a wireless payment means includes at least one web browser program, At least one client terminal 135 connected to a predetermined network means, and connected to the client terminal 135 via the network means, when the client terminal 135 is connected through the network means, a predetermined webpage At least one or more product selling information and / or product selling interface, or payment information and / or payment interface, provided to the client terminal 135, and the product selling information and / or product selling interface, or payment information and / Or at least one or more to the client terminal 135 via a payment interface And the product characterized by comprising an Internet shopping server 100 to handle sales and payment.

The client terminal 135 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). And at least one wired terminal including a desktop computer and / or a laptop connected to the internet shopping server 100 through communication. The client terminal 135 includes the internet shopping server 100. Outputs at least one or more product sales information and / or product sales interface, or payment information and / or payment interface provided by, and through the product sales information and / or product sales interface, or payment information and / or payment interface A function of purchasing at least one or more products corresponding to the product sales information by a non-face-to-face transaction method. It is provided with a property (e.g., a Web browser program) is preferred.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 135 corresponding to at least one or more wired terminals, so a detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means preferably comprises the TCP / IP based wired network.

According to an embodiment of the present invention, the internet shopping server 100 includes at least one web page source and / or digital content for providing a predetermined web service for internet shopping to at least one or more client terminals 135. A database for storing web operation data, a database for storing internet shopping information including at least one product sale information to be sold to a customer corresponding to the client terminal 135 through a predetermined internet shopping procedure, and the like. Data management system (Database Management System; DBMS 130), or interoperate with the data server provided with the DBMS 130, thereby providing a predetermined Internet to at least one or more of the client terminal (135) Shopping service is provided.

According to an embodiment of the present invention, the internet shopping server 100 communicates with the client terminal 135 through the network means in order to provide a web interface corresponding to the client terminal 135 and the network means. And a web interface unit 105 for connecting and managing channels, whereby the Internet shopping server 100 is communicatively connected to the client terminal 135 through a wired network and / or a wireless network. It has the function of a web server.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the web interface unit 105 may communicate with the client terminal 135 and HTTP. Connect a predetermined communication channel based on the Hyper-Text Transfer Protocol protocol, and sell the product information and / or goods in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 135 through the communication channel. Sends and outputs a sales interface, or payment information and / or a payment interface, and inputs (or selects) the merchandise sales information and / or product sales interface, or payment information and / or payment interface from the client terminal 135. It is preferable to perform a function of receiving and processing the predetermined purchase target product information and / or payment means selection information.

Referring to FIG. 1, when the client terminal 135 accesses the internet shopping server 100 through the web interface 105, the internet shopping server 100 and Web page operating unit 110 for operating a web page to be provided to at least one or more of the client terminal 135 in conjunction with the DBMS 130, and the client terminal 135 in conjunction with the web page operating unit 110 Interface providing unit 115 for generating (or extracting) predetermined product selling information and / or product selling interface for inputting (or selecting) predetermined product to be purchased and transmitting it to the client terminal 135. ), And a purchase object that is input (or selected) and transmitted from the client terminal 135 through the product selling information and / or the product selling interface in cooperation with the web interface unit 105. Characterized in that it comprises an information receiving unit 120 for receiving product information.

According to the present invention, when the purchase target product information is received from the client terminal 135 through the information receiving unit 120, the interface providing unit 115 works in conjunction with the webpage operation unit 110 to provide the client. The terminal 135 generates (or extracts) predetermined payment information and / or payment interface for inputting (or selecting) predetermined payment means selection information and providing the same to the client terminal 135. In addition, the information receiving unit 120 is characterized in that for receiving the payment means selection information transmitted (or selected) by the client terminal 135 through the payment interface.

According to the present invention, when the payment method selection information is received from the client terminal 135 through the information receiving unit 120, the Internet shopping server 100 at least one payment corresponding to the payment method selection information. It is characterized in that it further comprises a payment processing unit 125 to perform the payment processing for the product to be purchased in conjunction with the system.

The webpage operation unit 110 may include at least one webpage source (eg, a web page source based on Hyper-Text Markup Language (HTML)) provided in the DBMS 130 corresponding to the web server application field. At least one predetermined web page (eg, HTM / HTML / ASP / XML, etc.) to be provided to the at least one or more client terminals 135 using digital content (eg, text content, image content, sound content, multimedia content, etc.). And a web document including the above, wherein the generated web page is provided to at least one or more client terminals 135 through the web interface unit 105.

The interface providing unit 115 is at least one or more at least one or more provided to the DBMS 130 when a predetermined client terminal 135 is connected to the Internet shopping server 100 through the web interface unit 105 Extracting product sales information, including the extracted at least one product sales information in conjunction with the web page operation unit 110, at least one or more of the products included in the product sales information in the client terminal 135 Generating a predetermined web page including a merchandise sales interface for inputting (or selecting) a product to be purchased; at least one requesting the web interface unit 105 for the web page generated through the network means; The above is provided to the client terminal 135.

Those skilled in the art to which the present invention pertains may include product sales information corresponding to at least one or more Internet shopping methods (eg, online sales, auction / reverse auction, etc.) and products included in the product sales information. Since various embodiments of the merchandise sales interface for inputting (or selecting) at least one or more of the products to be purchased are well understood, various embodiments thereof will be omitted for convenience, and the Internet shopping method of the present invention is the present invention. It includes all kinds of internet shopping methods that can be inferred by those skilled in the art.

The client terminal 135 receiving the at least one web page including the merchandise sales information and the merchandise sales interface, inputs (or selects) at least one or more purchase target products through the merchandise sales interface, and inputs (or Transmits the selected purchase target product information to the internet shopping server 100.

The information receiver 120 receives at least one item of purchase target product information from the client terminal 135, and receives the at least one item of purchase target product information from the client terminal 135. To provide.

When at least one item of purchase product information is received from the client terminal 135 through the information receiving unit 120, the interface providing unit 115 displays at least one item of product information corresponding to the item of purchase and a payment amount. Extract payment information including (or confirm), including the payment information extracted (or confirmed) in conjunction with the web page operation unit 110, the payment included in the payment information in the client terminal 135 And generating a predetermined web page including a payment interface for selecting a predetermined payment means for processing an amount of money, wherein the generated web page is generated through the network means. ) Is provided to the requested at least one client terminal 135.

The client terminal 135 receiving the at least one web page including the payment information and the payment interface inputs predetermined payment means selection information for processing a payment amount included in the payment information through the payment interface. (Or selection) and transmits the input (or selection) of the purchase target payment means selection information to the internet shopping server 100.

The information receiving unit 120 receives at least one payment method selection information from the client terminal 135 when the information is transmitted, and provides the received payment method selection information to the payment processing unit 125. .

According to an embodiment of the present invention, the payment method selection information may include credit card payment method selection information, check card payment method selection information, debit card payment method selection information, and prepaid card ( Prepaid Card) Selecting at least one payment method among payment method selection information, electronic wallet payment method selection information, electronic bankbook payment method selection information, and bank transfer (or virtual account) payment method selection information. It is preferable to include information.

When payment method selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 determines that the received payment method selection information is the wire transfer (or virtual account) payment method selection information. And / or electronic payment method selection information or other payment method selection information (e.g., credit card payment method selection information, check card payment method selection information, debit card payment method selection information, prepaid card payment method selection information, electronic wallet) Payment method selection information).

According to an embodiment of the present invention, if the received payment method selection information is not the wire transfer (or virtual account) payment method selection information and / or the electronic bank payment method selection information (eg, the received payment method selection information is The credit card payment method selection information, the check card payment method selection information, or the debit card payment method selection information, or the prepaid card payment method selection information, or the electronic wallet payment method selection information); 125 is characterized by performing a non-face-to-face payment procedure for the product to be purchased in association with at least one payment system corresponding to the received payment means selection information.

When the credit card payment means selection information is received from the client terminal 135 through the information receiving unit 120 according to an embodiment of the present invention, the payment processing unit 125 pays the credit card through a predetermined communication means. It is preferable to perform a credit card-based non-face-to-face payment procedure using the customer credit card in conjunction with a credit card payment system (eg, a secure payment based credit card payment system or a secure click-based credit card payment system) corresponding to the means. .

According to another embodiment of the present invention, when the check card payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 through the predetermined communication means the check card It is preferable to perform a check card based non-face-to-face payment procedure using the customer check card in conjunction with a check card payment system corresponding to a payment method (for example, a secure payment based check card payment system or a secure click based check card payment system). Do.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 receives the debit through a predetermined communication means. It is preferable to perform a debit card-based non-face-to-face payment procedure using the customer debit card in conjunction with a debit card payment system (eg, a financial system provided in a debit card issuing bank) corresponding to a card payment means.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 prepays through a predetermined communication means. It is preferable to perform a prepaid card-based non-face-to-face payment procedure using the customer prepaid card in conjunction with a prepaid card payment system (eg, a token management system charged in a prepaid card) corresponding to a card payment means.

According to another embodiment of the present invention, when the electronic wallet payment means selection information is received from the client terminal 135 via the information receiving unit 120, the payment processing unit 125 via the electronic means through the predetermined communication means It is preferable to perform an electronic wallet-based non-face-to-face payment procedure using the customer electronic wallet in conjunction with an electronic wallet payment system corresponding to the wallet payment means (for example, a token operation system charged in the electronic wallet).

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid At least one of payment method selection information of a Prepaid Card payment method, electronic wallet payment method selection information, electronic bankbook payment method selection information, and bank transfer (or virtual account) payment method selection information. You will be familiar with the corresponding payment system and the technical features of the non-face-to-face payment process using the payment system, a detailed description thereof will be omitted for convenience.

When the payment processing unit 125 performs a non-face-to-face payment procedure for the product to be purchased in cooperation with at least one payment system, and the non-face-to-face payment procedure is normally processed, the internet shopping server 100 The goods purchased by the customer are delivered to the customer based on a delivery system (not shown).

When the payment method selection information received through the information receiving unit 120 according to the present invention corresponds to any one of the payment method selection information and / or electronic bank payment method selection information, the account transfer (or virtual account), The interface providing unit 115 interoperates with the webpage operation unit 110 to perform a wire transfer (or virtual account) payment and / or an electronic bank payment corresponding to the payment method selection information. Create (or extract) a payment interface that requests processing through a customer wireless terminal with a virtual machine (VM) -based wireless banking function and / or a customer wireless terminal with an integrated circuit (IC) chip-based wireless banking function). And provide it to the client terminal 135, and the information receiving unit 120 is provided through the payment interface at the client terminal 135. Force (or selected) and is characterized in that for receiving a wireless payment information selected for transport.

In this case, the wireless payment selection information may be selected from one of the payment method selection information (for example, bank transfer (or virtual account) payment method selection information and / or electronic bank payment method selection information) in the client terminal 135. Bank transfer (or virtual account) payment and / or electronic bank account payment corresponding to the information) (eg, a customer wireless terminal with a VM-based wireless banking function, and / or a financial IC chip-based wireless banking function). It is preferably made to include information for confirming whether or not to agree to process through the provided customer wireless terminal).

According to one embodiment of the present invention, the wireless payment selection information in the payment means selection information (for example, the transfer method (or virtual account) payment method selection information and / or electronic payment method selection information of any one of the payment method selection information) Bank transfer (or virtual account) payment and / or electronic bank account payment corresponding to a predetermined wireless payment means (e.g. customer wireless terminal with VM-based wireless banking function, and / or financial IC chip-based wireless banking function) In the case of including the information that refuses (or disagrees) processing through the provided customer wireless terminal), the payment processing unit 125 is linked with at least one payment system corresponding to the received payment means selection information Characterized in that the non-face-to-face payment procedure for the product to be purchased.

According to one embodiment of the present invention, the payment processing unit 125 is an electronic bank account payment system corresponding to the electronic bank account payment means through a predetermined communication means (for example, a financial system in which a financial account corresponding to the electronic bank account is opened). It is preferable to perform an electronic passbook-based non-face-to-face payment procedure using the customer electronic passbook in conjunction with.

According to another exemplary embodiment of the present invention, the payment processing unit 125 is an account transfer (or virtual account) payment system corresponding to the account transfer (or virtual account) payment method through a predetermined communication means (eg, account transfer). Account transfer (or virtual account) based non-face-to-face payment procedure using the customer account transfer (or virtual account) in conjunction with a financial system in which at least one financial account (or virtual account) is opened corresponding to (or virtual account) It is preferable to carry out.

According to another exemplary embodiment of the present invention, the wireless payment selection information selects one of the payment means selection information (for example, a wire transfer (or virtual account) payment method selection information and / or an electronic bank payment method selection information). Bank transfer (or virtual account) payment and / or electronic bank account payment corresponding to the information) (eg, a customer wireless terminal with a VM-based wireless banking function, and / or a financial IC chip-based wireless banking function). When the information is included that agrees to the processing through the provided customer wireless terminal), the payment processing unit 125 is a predetermined wireless message system (for example, a web-to-phone method) In conjunction with the sending system) the customer payment means (e.g., customer wireless terminal with VM-based wireless banking function, and / or customer with wireless IC-based wireless banking function) It transmits; (MMS Multimedia Message Service) and the like); line terminal) by a predetermined radio messages (e.g., SMS message (Short Message Service SMS) including the predetermined radio payment request information and / or multimedia messages.

Here, when the wireless payment selection information includes information for agreeing to process a wire transfer (or virtual account) payment and / or an electronic bank account payment corresponding to the payment method selection information through a predetermined wireless payment means, The wireless payment selection information may be received by further including wireless terminal information (eg, a wireless terminal telephone number) corresponding to a customer wireless payment means to which the wireless message is to be transmitted. The wireless terminal information may be received from a predetermined database (eg, When extracted from the member information D / B, not illustrated, the wireless terminal information may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the wireless payment request information is a payment processing corresponding to the wire transfer (or virtual account) payment means and / or electronic bank payment means of the wireless payment means of the customer (for example, VM-based wireless banking) And the message information (for example, "Do you want to pay for the purchased product?") Requested through the customer wireless terminal equipped with the function, and / or the customer wireless terminal equipped with the financial IC chip-based wireless banking function. Do.

In addition, the wireless payment request information is provided in the wireless payment means of the customer (for example, a wireless terminal equipped with a VM-based wireless banking function, and / or a wireless terminal equipped with a financial IC chip-based wireless banking function) It is preferable to further include information for driving the payment program, wherein the information for driving the wireless payment program is preferably defined through a teleservice ID corresponding to the wireless message.

In addition, the wireless payment request information is provided in the wireless payment means of the customer (for example, a wireless terminal equipped with a VM-based wireless banking function, and / or a wireless terminal equipped with a financial IC chip-based wireless banking function) Preferably, the payment program further includes payment information necessary for payment processing, wherein the payment information required for payment processing in the wireless payment program includes payment amount information and account information where the payment amount is to be deposited (eg, a product seller). Financial account information, and / or virtual account information for payment).

According to an embodiment of the present invention, when the wireless payment program is driven in the wireless payment means, the payment amount information and the account information to which the payment amount is to be deposited (eg, product seller financial account information, and / or virtual for payment). Account information, etc.) is preferably auto-filled into the wireless payment interface of the wireless payment program.

The customer wireless payment means that receives the wireless message outputs the message information (eg, “Do you want to pay for the purchased product?”) Included in the wireless payment request information on the wireless payment means screen.

Then, when the message information is confirmed (for example, when the "confirmation" button is clicked through the key input means provided in the wireless payment means), the customer wireless payment means driving the wireless payment program included in the wireless payment request information Drive a predetermined wireless payment program included in the wireless payment means through the information; Seller financial account information, and / or virtual account information for payment).

The wireless payment program is driven as described above, and the payment information and the account information (for example, product seller financial account information and / or virtual account information for payment) are automatically input to the wireless payment program. The wireless payment means performs a non-face-to-face payment procedure that transfers the payment amount to the account (eg, a product seller's financial account, and / or a virtual account for payment) through a wireless payment program.

When the payment processing unit 125 performs a non-face-to-face payment procedure for the product to be purchased in cooperation with at least one payment system, and the non-face-to-face payment procedure is normally processed, the internet shopping server 100 The goods purchased by the customer are delivered to the customer based on a delivery system (not shown).

2A, 2B, and 2C are diagrams illustrating an internet shopping process of immediately processing a wire transfer (or virtual account) payment through a wireless payment method according to an embodiment of the present invention.

2A, 2B, and 2C, the Internet shopping server 100 is connected to a predetermined Internet shopping server 100 using HTTP by a client terminal 135 having at least one web browser program. ) Provides at least one or more product sales information to the client terminal 135 through a predetermined web page, and the client terminal 135 to purchase and pay at least one product based on the product sales information. The present invention relates to a process of providing an internet shopping service, and specifically illustrates a process of immediately making payment through a wireless payment means for a wire transfer (or virtual account) payment provided on an internet shopping system.

Those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 2a, 2b and 2c for internet shopping to immediately process a wire transfer (or virtual account) payment through a wireless payment means. Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 2A, 2B, and 2C.

2A, 2B, and 2C, the client terminal 135 on the Internet shopping system shown in FIG. 1 is referred to as " terminal " for convenience, and the Internet shopping server 100 on the Internet shopping system shown in FIG. ) Is called "server" for convenience.

2A, 2B, and 2C, the terminal accesses the server through a predetermined network means (200) using a predetermined web browser program (200), thereby allowing a communication channel for internet shopping between the terminal and the server. And requesting at least one product sale information from the server according to a predetermined internet shopping procedure corresponding to an internet shopping method (eg, online sales, auction / reverse auction, etc.) defined in the server based on the communication channel. And correspondingly, the server extracts the requested at least one product sales information from a predetermined DBMS 130, and the product sales interface corresponding to the extracted product sales information and / or the internet shopping scheme. Generates a predetermined web page including a and transmits to the terminal via the network means (210).

Upon receiving the web page, the terminal selects at least one or more purchase target products through at least one or more product sale information and / or a product sale interface included in the web page (215).

If the terminal does not select at least one or more products to be purchased through at least one or more product sales information and / or a product selling interface included in the web page (220), the terminal sells at least one or more other products to the server. Request information and / or a merchandise interface, and in response, the server extracts the at least one other merchandise sales information from a predetermined DBMS 130, and sends the extracted merchandise sales information and / or the internet shopping scheme. The process of generating a predetermined web page including a corresponding merchandise sales interface and transmitting it to the terminal through the network means is repeated.

On the other hand, if the terminal selects at least one or more products to be purchased through at least one or more product sales information and / or a product sales interface included in the web page (220), the terminal selects the product sales interface included in the web page. Generate and transmit the purchased product information to the server (225), and the server extracts (or confirms) payment information including at least one or more product information corresponding to the received purchased product and a payment amount; 230, generating a predetermined web page including a payment interface for selecting the predetermined payment means for processing the extracted payment information and the payment amount included in the payment information. It transmits to the terminal through (235).

Upon receiving the web page, the terminal selects a predetermined payment means for processing the payment amount included in the payment information through the payment information and / or payment interface included in the web page (240).

If a predetermined payment means for processing the payment amount included in the payment information is selected through the payment information and / or payment interface included in the web page (245), the terminal selects the payment interface. In operation 250, predetermined payment means selection information for payment processing of the payment amount is generated and transmitted to the server.

According to an embodiment of the present invention, the payment method selection information may include credit card payment method selection information, check card payment method selection information, debit card payment method selection information, and prepaid card ( Prepaid Card) Selecting at least one payment method among payment method selection information, electronic wallet payment method selection information, electronic bankbook payment method selection information, and bank transfer (or virtual account) payment method selection information. It is preferable to include information.

When the payment means selection information is received as described above, the server reads the received payment means selection information, and determines whether the payment method (or virtual account) payment means is selected in the terminal (255).

If the bank transfer (or virtual account) payment method is not selected (260), the server is linked to the payment system corresponding to the other payment method selection information selected in addition to the bank transfer (or virtual account) payment method the payment information The payment amount included in the payment is processed (265).

When the credit card payment means selection information is received from the terminal according to an embodiment of the present invention, the server through a predetermined communication means credit card payment system corresponding to the credit card payment means (for example, secure payment based credit card) It is desirable to perform a credit card-based non-face-to-face payment procedure using the customer credit card in conjunction with a payment system or a secure click-based credit card payment system.

According to another embodiment of the present invention, when the check card payment means selection information is received from the terminal, the server checks the payment card payment system corresponding to the check card payment means through a predetermined communication means (for example, security payment based check) It is preferable to perform a check card-based non-face-to-face payment procedure using the customer check card in conjunction with a card payment system or a secure click-based check card payment system.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information is received from the terminal, the server debit card payment system corresponding to the debit card payment means through a predetermined communication means (eg, debit card issuance). It is preferable to perform a debit card-based non-face-to-face payment procedure using the customer debit card in conjunction with a financial system provided in a bank.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information is received from the terminal, the server transmits a prepaid card payment system corresponding to the prepaid card payment means through a predetermined communication means (eg, to a prepaid card). It is preferable to perform a prepaid card-based non-face-to-face payment procedure using the customer prepaid card in conjunction with a charged token management system).

According to another embodiment of the present invention, if the electronic wallet payment means selection information is received from the terminal, the server through the predetermined communication means electronic wallet payment system corresponding to the electronic wallet payment means (for example, the electronic wallet) It is desirable to perform an electronic wallet-based non-face-to-face payment procedure using the customer electronic wallet in conjunction with the token management system (charged in the).

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid Familiarize yourself with the payment system corresponding to at least one payment method of Prepaid Card payment method selection information and Electronic Wallet payment method selection information, and technical features of the non-face-to-face payment process using the payment system. Since there will be, a detailed description thereof will be omitted for convenience.

If the payment processing is completed for the payment amount included in the payment information in connection with the payment system corresponding to the selected other payment method selection information (270), the server reads the payment processing result to the payment method selection information Validity (eg, payment approval or payment error) for the corresponding payment processing is checked (291).

If the validity of the payment processing corresponding to the payment means selection information is not authenticated (for example, a payment error occurs) 292, the server transmits and outputs the payment processing validity error information to the terminal. 293).

On the other hand, if the validity of the payment processing corresponding to the payment method selection information is authenticated (for example, payment approval is confirmed) (292), the server transmits and outputs the payment processing validity confirmation to the terminal (294), Through a predetermined product delivery system (not shown), a delivery process for a product for which the payment processing validity is authenticated is performed (295).

On the other hand, if the bank transfer (or virtual account) payment method is selected (260), the server generates a payment interface requesting that the payment transfer (or virtual account) payment process through the customer wireless payment means immediately payment ( Or extract it and transmit it to the terminal through the network means (275).

According to an embodiment of the present invention, the payment interface preferably includes a user interface in which the terminal agrees or rejects payment processing included in the payment information using the customer wireless payment means. Do.

In addition, when the payment interface agrees to process the payment amount included in the payment information by using the customer wireless payment means in the terminal, the wireless terminal information corresponding to the customer wireless payment means (eg, a customer mobile phone). And a user interface for inputting (or selecting) a telephone number).

The terminal generates wireless payment selection information that agrees or rejects payment processing included in the payment information using the customer wireless payment means through the payment interface (280), and generates the wireless The payment selection information is transmitted to the server through the network means (281).

Thereafter, the server reads the received wireless payment selection information and checks whether the terminal agrees to process the payment amount included in the payment information through the customer wireless payment means (282).

If it is confirmed that the payment amount included in the payment information is refused to be processed through the customer wireless payment means (283), the server corresponds to the payment system (or virtual account) payment method selection information corresponding to the payment system; In operation 284, the payment amount included in the payment information is linked to the payment information.

According to an embodiment of the present invention, the server transfers the account transfer (or virtual account) payment system corresponding to the account transfer (or virtual account) payment means through a predetermined communication means (for example, account transfer (or virtual account). To perform a non-face-to-face payment procedure based on the transfer (or virtual account) using the customer account transfer (or virtual account) in conjunction with a financial system in which at least one financial account (or virtual account) is opened). desirable.

Those skilled in the art to the present invention, the payment system corresponding to the account transfer (or virtual account) payment means selection information, and the technical features of the non-face-to-face payment procedure using the payment system Since it will be, a detailed description thereof will be omitted for convenience.

If payment processing is completed in connection with the payment system corresponding to the selected bank transfer (or virtual account) payment method selection information (285), the server reads the payment processing result The validity (eg, payment approval or payment error) of the payment processing corresponding to the payment method selection information is checked (291).

If the validity of the payment processing corresponding to the payment method selection information is not authenticated (for example, a payment error occurs) 292, the server transmits and outputs the payment processing validity error information to the terminal (293). ).

On the other hand, if the validity of the payment processing corresponding to the payment method selection information is authenticated (for example, payment approval is confirmed) (292), the server transmits and outputs the payment processing validity confirmation to the terminal (294), Through a predetermined product delivery system (not shown), a delivery process for a product for which the payment processing validity is authenticated is performed (295).

On the other hand, if it is confirmed that the payment amount included in the payment information is agreed to the payment processing through the customer wireless payment means (283), the server through the predetermined wireless messaging system, the message information for the wireless payment processing, wireless In operation 286, a wireless message including at least one payment program driving information, a payment amount, and account information is generated.

In addition, the server checks the wireless terminal information corresponding to the customer wireless payment means to which the wireless message was transmitted (for example, wireless terminal information received in the wireless payment selection information, or member information D / B (not shown). (287), and transmits the generated wireless message to the customer wireless payment means through the wireless messaging system (288).

Thereafter, the server transfers the account from a predetermined wireless banking server that performs a wireless banking procedure for payment of the account transfer (or virtual account) through a wireless banking function provided in the wireless payment means in response to the wireless message. Or virtual account) based wireless payment processing result (289), if the result of the wire transfer (or virtual account) based wireless payment processing is received from the wireless banking server (290), the server is the payment processing result Read the to check the validity (eg, payment approval, or payment error) of the payment processing corresponding to the payment means selection information (291).

If the validity of the payment processing corresponding to the payment method selection information is not authenticated (for example, a payment error occurs) 292, the server transmits and outputs the payment processing validity error information to the terminal (293). ).

On the other hand, if the validity of the payment processing corresponding to the payment method selection information is authenticated (for example, payment approval is confirmed) (292), the server transmits and outputs the payment processing validity confirmation to the terminal (294), Through a predetermined product delivery system (not shown), a delivery process for a product for which the payment processing validity is authenticated is performed (295).

3 is a diagram illustrating a configuration of a wireless banking system for immediately processing an online account transfer (or virtual account) payment through a wireless payment means 325 according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 provides a VM (Virtual Machine) based wireless banking service that immediately processes the online account transfer (or virtual account) payment through a wireless payment means 325 on the Internet shopping system shown in FIG. As a wireless banking system for those skilled in the art, those skilled in the art to which the present invention belongs, wireless payment means (325) to the online account transfer (or virtual account) payment by referring to and / or modified in Figure 3 Various implementation methods for the VM-based wireless banking system configuration to be processed immediately through) can be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the wireless banking system for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325, VM-based wireless through a predetermined wireless communication network At least one or more wireless payment means 325 provided with a wireless payment program for providing a banking service, and a VM-based wireless banking service in connection with a wireless payment program provided in the wireless payment means 325 through a predetermined wireless communication network. It provides a wireless banking server 300, and a financial system connected to the wireless banking server 300 through a predetermined interface means, the wireless payment means 325 is shown in Figure 1 A predetermined wireless message (eg, a short message) containing predetermined wireless payment request information from a wireless messaging system on an established internet shopping system. A short message service (SMS) and / or a multimedia message service (MMS), etc.), whereby the wireless payment means 325 pays the online account transfer (or virtual account). The wireless payment program for immediately processing through the wireless payment means 325 is driven.

The wireless payment means 325 is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or based on an IEEE 802.11x standard. It characterized in that it comprises at least one or more of the wireless LAN terminal to operate, the wireless payment means 325 wireless to immediately process the online account transfer (or virtual account) payment through the wireless payment means 325 It is characterized in that the wireless payment program for providing a banking service is provided.

Here, a preferred embodiment of the functional configuration of the wireless payment means 325 equipped with the wireless payment program will be described in detail with reference to FIG.

When the wireless payment means 325 is a CDMA stack based mobile communication terminal according to an embodiment of the present invention, the wireless communication network to which the wireless payment means 325 is connected includes the CDMA stack based mobile communication network. Preferably, according to the intention of those skilled in the art, the mobile communication network may further include a HSDPA (High Speed Downlink Packet Access) communication standard, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the wireless payment means 325 is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless payment means 325 is connected includes the IEEE 802.16x based portable Internet. It is preferable to make it.

According to another embodiment of the present invention, when the wireless payment means 325 is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless payment means 325 is connected includes the IEEE 802.11x based wireless LAN. It is preferable to make it.

According to the present invention, the wireless payment program provided in the wireless payment means 325 uses a wireless communication function provided in the wireless payment means 325 to establish a wireless communication network to which the wireless payment means 325 is connected. It is characterized in that for connecting to the banking server 300 connects the communication channel for VM-based wireless banking, and transmits the predetermined wireless banking request information to the wireless banking server 300 through the communication channel; The wireless banking server 300 receiving the wireless banking request information refers to the at least one wireless banking information included in the wireless banking request information in association with a predetermined financial system and corresponding to the wireless banking request information. It is characterized by performing a basic financial transaction procedure.

The wireless banking request information may include customer account information corresponding to a customer financial account opened on the financial system in response to the customer owning the wireless payment means 325, wherein the customer account information is the customer. It includes at least one of a customer account number and a branch number for the financial account.

In addition, the wireless banking request information preferably comprises a financial transaction amount information input through a predetermined key input means provided in the wireless payment means 325, wherein the financial transaction amount information is the customer financial account It is preferable to include at least one or more of the amount withdrawn from, and / or the amount deposited into the customer financial account, and may be omitted (eg, account inquiry transaction) according to the type of the financial transaction, thereby This is not limited.

The wireless banking request information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless payment means 325, wherein the wireless banking authentication information is the customer. Account password corresponding to the financial account, and / or financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking request information, and / or security code (eg, security issued to the customer). And a security code printed on the card, and / or a combination of at least two or more security codes).

The wireless banking request information may further include financial transaction code information for identifying (or identifying) a financial transaction type requested by the wireless payment means 325 to the wireless banking server 300.

In addition, the wireless banking request information includes at least one or more deposit account information (for example, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / Or virtual account information (for example, when a financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount of money to a virtual account, etc.). It is preferable.

According to the present invention, the wireless banking server 300 uses the wireless payment program provided in the wireless payment means 325 and the online account transfer (or virtual account) payment via the wireless communication network to the wireless payment means 325. And an interface unit 305 for connecting and managing a communication channel for providing a VM-based wireless banking service which is processed immediately.

According to the exemplary embodiment of the present invention, a communication channel connected between the wireless payment program provided in the wireless payment means 325 and the wireless banking server 300 by the interface unit 305 may include the wireless payment program and the wireless payment program. It is preferable to include a data communication channel for transmitting and receiving at least one or more financial transaction data (for example, wireless banking request information, or wireless banking result information, etc.) through the financial transaction communication protocol defined between the wireless banking server 300. Do.

According to an embodiment of the present invention, at least one financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted and received through at least one or more encryption scheme, for this purpose, the wireless payment means provided in the wireless payment means 325 The payment program and / or the wireless banking server 300 is preferably provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server 300 in the wireless payment program provided in the wireless payment means 325 via the communication channel is attached to the electronic signature of the customer of the wireless payment means 325. Preferably, for this purpose, the wireless payment program provided in the wireless payment means 325 is provided with an electronic signature attachment function for the financial transaction data, and the wireless banking server 300 checks the electronic signature for the financial transaction data. It is preferable that a function is provided.

Referring to FIG. 3, the wireless banking server 300 includes an information receiver 310 for receiving at least one wireless banking request information from the wireless payment means 325 through the interface unit 305, and the wireless banking. Read the request information to extract at least one financial transaction-related information, and based on the financial transaction-related information, a financial transaction procedure corresponding to the financial transaction request information in connection with a predetermined financial system through a predetermined interface means. And a banking processing unit 315 to perform the operation, and generates the wireless banking result information processed by the banking processing unit 315 in conjunction with the interface unit 305 to the wireless payment means 325. It characterized in that it further comprises an information transmitting unit 320 to provide.

The information receiver 310 operates the wireless payment program in the wireless payment means 325 and immediately processes the online account transfer (or virtual account) payment through the wireless payment means 325 through the wireless payment program. When at least one wireless banking request information is input (or generated) and transmitted through the wireless communication network, receiving the wireless banking request information transmitted from the wireless payment means 325 through the interface unit 305. It features.

According to an embodiment of the present invention, the wireless banking request information may include at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption) in the wireless payment program. And / or a key exchange encryption scheme, etc.), the information receiver 310 further includes a function of decrypting the encrypted wireless banking request information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

When at least one wireless banking request information for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325 is received (or received and decrypted) through the information receiver 310, the banking processor 315 extracts at least one financial transaction related information from the wireless banking request information to immediately process the online account transfer (or virtual account) payment through the wireless payment means 325.

According to the exemplary embodiment of the present invention, the financial transaction related information extracted from the wireless banking request information basically includes financial transaction code information, customer account information, and wireless banking authentication information. When the financial transaction type corresponding to the financial transaction includes at least one or more cash movements, the financial transaction related information extracted from the wireless banking request information may further include financial transaction amount information.

In addition, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the financial transaction related information extracted from the wireless banking request information may include at least one deposit account information (for example, a transfer amount of the bank transfer). Or a financial transaction type corresponding to the financial transaction code information, when the financial transaction type corresponds to a transaction for transferring a predetermined amount to a virtual account. The financial transaction related information may further include at least one or more virtual account information (eg, a virtual account number to which the amount is transferred).

When at least one financial transaction related information is extracted from the wireless banking request information, the banking processor 315 may use a predetermined financial means through a predetermined interface means (eg, an interface connecting the wireless banking server 300 and a financial system). A wireless payment means 325 for the payment of the online account transfer (or virtual account) based on the extracted financial transaction-related information in connection with a system (eg, a financial system in which a customer financial account corresponding to the customer account information is opened). It is characterized in that the predetermined financial transaction procedure to be processed immediately through).

The financial system is a general term for a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 3, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on the account, comprising: an account system for processing a window service such as credit or reception or trust or foreign exchange occurring at at least one branch (or window); Information systems that handle headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction means (e.g., inter Access to the financial system from net banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., and / or various financial transactions through at least one common network (eg CD common network, financial common network) And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. A DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function. It is characterized by comprising.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

In addition, if one of ordinary skill in the art to which the present invention belongs, at least one or more financial transaction-related information in the financial system to immediately process the online account transfer (or virtual account) payment through the wireless payment means 325 Since it will be understood that an embodiment of performing a financial transaction procedure for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325, detailed description thereof will be omitted for convenience.

When the banking processing unit 315 completes the financial transaction procedure of immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325 in connection with the financial system, the information transmitting unit 320 Generating wireless banking result information including predetermined financial transaction details corresponding to the financial transaction procedure, and interworking with the interface unit 305 to generate the wireless banking result information through the wireless communication network through the wireless payment means ( 325), and transmits the wireless banking result information to the Internet shopping server 100 on the Internet shopping system shown in FIG. 1 through a predetermined communication means.

According to an embodiment of the present invention, the financial transaction details include a financial transaction approval history for a financial transaction procedure for immediately processing the online transfer (or virtual account) payment through the wireless payment means 325, or It is desirable to include at least one financial transaction error history that occurred during the financial transaction procedure.

The wireless payment means 325 that has received the wireless banking result information from the wireless banking server 300 through the wireless communication network, records the financial transaction details included in the received wireless banking result information through the wireless payment program. And reads the read financial transaction details information (for example, financial transaction approval details information or financial transaction error details information) to the screen output means provided in the wireless payment means 325.

In addition, the Internet shopping server 100 receiving the wireless banking result information from the wireless banking server 300 through the communication means, to deliver the goods purchased by the customer to the customer through a predetermined product delivery system Perform the procedure.

4 is a diagram illustrating a function of a wireless payment means 325 for immediately processing an online account transfer (or virtual account) payment through the wireless payment means 325 according to one embodiment of the present invention.

In more detail, FIG. 4 illustrates a wireless payment means 325 shown in FIG. 3 to perform a VM-based wireless banking function of immediately processing the online account transfer (or virtual account) payment through a wireless payment means 325. In the case of a mobile communication terminal connected to a CDMA stack based mobile communication network, the present invention relates to a preferable functional configuration of a mobile communication terminal for performing the VM-based wireless banking function.

Those skilled in the art to which the present invention pertains immediately refer to and / or modify this drawing to immediately process the online account transfer (or virtual account) payment via the wireless payment means 325 in addition to the mobile communication terminal. Although it is possible to easily infer the functional configuration of another wireless payment means 325 (for example, a portable Internet terminal, a wireless LAN terminal, etc.), the present invention includes all the inferred implementation method, the wireless payment means 325 is not limited to the case of the mobile communication terminal shown in FIG.

In terms of hardware, the wireless payment means 325 providing a mobile communication service includes a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 425, and the like. Internally, a predetermined modem chip incorporating functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, and the like (e.g., an MSM series modem chip from Qualcomm, USA) And various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier for amplifying a transmission signal, a high power amplifier (HPA), and an isolator for preventing a high power transmission signal from being reversed. Isolator), RF / IF SAW filter for eliminating out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, 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 in the modem chip, and in addition to the core components for the mobile communication service, the modem chip is also integrated with various functions for various multimedia services and / or additional services.

Referring to FIG. 4, the wireless payment means 325 for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325 is basically a control unit 405, a screen output unit 410, and a sound. A processor 415, a key input unit 420, a wireless processor 430, a short range communication unit 435, a memory unit 470, and a battery 425 for supplying power. It further comprises a functional configuration including a camera mounted on or detached from the 325 and a camera unit 460 for reading predetermined image information from the camera.

The control unit 405 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program for providing a function specific to the wireless payment means 325 from a predetermined memory element. Routine and / or a bus for inputting and outputting program data (BUS) and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that it comprises a predetermined memory device and / or chipset in software A generic term for program routines and / or program data loaded from the execution memory into the execution memory and processed by the processor to perform a specific function (hence, in the present invention, payment of an online account transfer (or virtual account) is performed by a wireless payment means ( A predetermined program routine recorded on the recording medium of the wireless payment means 325 for immediate processing through the 325 For convenience, various functions which are intended to be implemented in the wireless payment means 325 are realized by the controller 405, and the above functions are realized. In order to control and manage the overall operation of the wireless payment means (325). In particular, when power is input to the wireless payment means 325 to perform a function of the controller 405 that controls and manages the overall operation of the wireless payment means 325, an operating system routine stored in a predetermined memory element. , System 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 410 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 420 by the control unit 405 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt; And / or multimedia content) to a predetermined screen output device (for example, an LCD panel). The screen output unit 410 performs a wireless banking procedure by interlocking a screen output device (LCD). It is desirable to perform a function of an information output unit that outputs predetermined information required in the process of performing the same.

The sound processor 415 encodes a predetermined sound signal input from a microphone provided in the wireless payment means 325 to provide it to the controller 405, or the controller 405 extracts and / or generates the sound signal. A predetermined sound signal may be decoded and output through a speaker. For this purpose, the sound processing unit 415 includes a predetermined vocoder and a codec. It performs the function of the sound input means provided in the wireless payment means 325 through the sound processing unit 415 and the microphone, or is provided in the wireless payment means 325 through the sound processing unit 415 and a speaker. Functions as a sound output means.

The key input unit 420 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad, and selects a predetermined key provided in the keypad in a specific input mode and / or operation mode of the wireless payment means 325 controlled by the controller 405. When predetermined information (or signal) is input from the button, 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 output to the controller 405. The controller 405 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless payment means 325 (eg, each Read the key data from the key table for 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 payment means 325 of the wireless payment means 325, and / or the key The method may further include reading a command for executing a predetermined function that is matched with an event. The keypad including the key input unit 420 and at least one key button interlocks with each other to perform a function of a key input unit provided in the wireless payment means 325.

The wireless processing unit 430 is associated with the control unit 405 (e.g., a program routine for providing a mobile communication service) to register the location and / or slot mode and / or power control and / or 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, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) that performs transmission and reception of radio frequency signals. In particular, the wireless processing unit 430 processes the information or signal transmitted from the wireless payment means 325 to the base station to provide a mobile communication service to a CDMA stack, or from a CDMA stack received from the base station. It provides a function for reading information or signals.

According to an exemplary embodiment of the present invention, the wireless payment means 325 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 430, and a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless banking server 300 provided on the mobile communication network and / or a predetermined communication network in conjunction with the mobile communication network through.

According to another exemplary embodiment of the present invention, if the wireless payment means 325 of FIG. 4 is a portable Internet terminal and / or a wireless LAN terminal, the wireless processing unit 430 may access an online account transfer by accessing the portable Internet and / or wireless LAN. Or a virtual account) function configuration for providing a predetermined data communication service for immediately processing through the wireless payment means 325.

The short-range communication unit 435 may include 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 an exemplary embodiment of the present invention, the wireless payment means 325 connects a wireless section connecting a predetermined short range device 440 and a predetermined short range wireless communication session through the short range communication unit 435, and the short range It is preferable to connect a predetermined communication channel with a wireless banking server 300 provided on a predetermined communication network through a wired section including a predetermined network to which the device 440 is connected.

The memory unit 470 inputs and outputs 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 payment means 325 is performed. General term for a memory device for storing information and / or data), a read-only memory (ROM) corresponding to a read-only memory, a flash memory (FM) for reading / writing, and an electrically erasable and programmable memory (EPPROM). 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 payment means 325 and information or data therefor. And the like, and the EEPROM includes at least one information and / or data extracted and / or generated during execution of an application included in the terminal registration related parameter and phone number (eg, address book) or the wireless payment means 325. Etc. are stored.

According to a preferred embodiment of the present invention, the memory unit 470 is a wireless payment program code for providing a VM-based wireless banking function to immediately process the online account transfer (or virtual account) payment through the wireless payment means 325 Preferably, the wireless payment program code is executed to perform a function of the wireless banking unit 485 illustrated in the controller 405.

According to an exemplary embodiment of the present invention, the memory unit 470 may provide a VM-based wireless banking function in which a wireless payment program immediately processes the online account transfer (or virtual account) payment through a wireless payment means 325. Preferably, the client account information corresponding to the customer financial account used in the process is stored, whereby the customer account information is automatically input to the wireless banking request information in the process of providing the VM-based wireless banking function by the wireless payment program. do.

According to another exemplary embodiment of the present invention, the customer account information is included in a wireless message received from the wireless messaging system on the Internet shopping system shown in FIG. 1, and / or the key input means is provided for the customer account information. In the case of inputting through the memory unit 470, the memory account 470 may not store the customer account information, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the memory unit 470 may include at least one encryption function (eg, secret key (or symmetric key) based encryption, and / or public key based encryption) in the wireless payment program. An encryption key for performing electronic envelope based encryption, and / or key exchange based encryption, and / or at least one decryption function (secret (or symmetric)) based decryption, and / or public key based decryption, And / or decryption key for performing electronic envelope based decryption, and / or key exchange based decryption function), by which the present invention is not limited.

The camera unit 460 reads raster-based CC image information from a camera including a predetermined optical unit and a charge coupled device (CC) device in a bitmap manner, and inputs the image information to the controller 405. Characterized in that.

Referring to FIG. 4, the wireless payment means 325 receives a wireless message including the wireless payment request information from the wireless messaging system illustrated in FIG. 1 through the wireless processing unit 430. And reading the received wireless message to confirm whether to request VM-based wireless banking for immediately processing the on-line account transfer (or virtual account) payment through the wireless payment means 325. When it is confirmed that the request for VM-based wireless banking to immediately process the online account transfer (or virtual account) through the wireless payment means 325, by executing the wireless payment program code recorded in the memory unit 470 And a message processing unit 480 for loading a wireless banking unit 485 providing a VM-based wireless banking function. And, if the wireless banking unit 485 is loaded, the message processing unit 480 is the payment information of the wireless payment request information included in the wireless message on the wireless banking interface included in the wireless banking unit 485 and / Or account information (for example, merchandise seller financial account information, and / or virtual account information for payment) is automatically input.

The message receiving unit 475 may be configured to receive all wireless messages (eg, Short Message Service (SMS) and / or Multimedia Message Service (MMS), etc.) received through the wireless processing unit 430 to the wireless terminal. It characterized in that it provides a function for receiving, characterized in that for providing the received wireless message to the message processing unit 480.

The message processing unit 480 reads at least one or more wireless messages received through the message receiving unit 475, thereby allowing the received message to pay the online account transfer (or virtual account) through the wireless payment means 325. It is characterized in that it is a wireless message requesting VM-based wireless banking processing immediately.

According to an embodiment of the present invention, if the received wireless message is a wireless message for requesting VM-based wireless banking for immediately processing the on-line transfer (or virtual account) payment through the wireless payment means 325, the wireless message. Preferably includes a predetermined teleservice ID corresponding to the VM-based wireless banking which immediately processes the online account transfer (or virtual account) payment through the wireless payment means 325.

According to another exemplary embodiment of the present invention, a wireless message for requesting VM-based wireless banking for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325 may have a form other than the teleservice ID. VM-based wireless banking identifier may be included, whereby the present invention is not limited.

If it is confirmed that the wireless message requests VM-based wireless banking for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 325, the message processing unit 480 is the memory unit ( 470, and executes and loads the wireless payment program code corresponding to the wireless banking unit 485 providing the VM-based wireless banking function.

Those skilled in the art to which the present invention belongs, the technical features of the wireless payment program that provides at least one or more VM-based wireless banking service corresponding to the VM-based wireless banking function defined by each financial institution, and the wireless Since you will be familiar with the wireless banking interface provided in the payment program, a detailed description thereof will be omitted for convenience.

When the wireless payment program code is executed and the wireless banking unit 485 is loaded, the message processing unit 480 may include payment amount information included in the wireless message and account information to which the payment amount is to be deposited (eg, product seller finance). Account information, and / or virtual account information for payment), and automatically inputs the extracted payment amount information and account information to which the payment amount is to be deposited into the wireless banking interface of the wireless banking unit 485. It is done.

According to the embodiment of the present invention, the wireless banking unit 485 is preferably provided with a function of inputting predetermined wireless banking authentication information for the wireless banking process in connection with the key input means, wherein the wireless The banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password, etc.) corresponding to a financial transaction requested through the wireless banking request information, and / or a security code (eg, , A security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

According to an exemplary embodiment of the present invention, the wireless banking unit 485 may include the customer account information, the payment amount information, and the account information to which the payment amount is to be deposited (eg, product seller financial account information, and / or virtual payment). Accounting information) and the wireless banking request information including the wireless banking authentication information.

According to an exemplary embodiment of the present invention, when the seller further includes product seller information (or internet shopping mall information), the wireless banking unit 485 may include the customer account information, the payment amount information, and the payment amount. Generating wireless banking request information including account information (e.g., commodity seller financial account information, and / or virtual account information for payment), commodity seller information (or Internet shopping mall information), and the wireless banking authentication information to be deposited desirable.

Those skilled in the art to which the present invention pertains, the wireless banking unit 485 is familiar with the various implementation methods for generating the wireless banking request information according to each financial system and VM-based wireless banking protocol defined. Since it will be, a detailed description thereof will be omitted for convenience.

When the wireless banking request information is generated as described above, the wireless banking unit 485 preferably performs an encryption function on the generated wireless banking request information, and the encryption function is secret key (or symmetric key) based encryption. And / or at least one of public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit ( In operation 485, the function of encrypting the wireless banking request information may be omitted, and the present invention is not limited thereto.

Hereinafter, the wireless banking unit 485 provides the VM to immediately process the online account transfer (or virtual account) payment through the wireless payment means 325 through the payment information and the account information to be deposited. Based on the wireless banking function and the VM-based wireless banking procedure, refer to the wireless banking process shown in FIG.

5 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a wireless message for promptly processing the wire transfer (or virtual account) payment through the wireless payment means 325 through the CDMA stack-based wireless communication network in the wireless messaging system shown in FIG. As a message structure for sending hierarchical messages, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention, such as a wireless message (eg, a multimedia message). (Multimedia Message Service (MMS), etc.) will be understood by the hierarchy of message structure for sending, and the present invention is not limited to the short message (SMS).

Referring to FIG. 5, the message structure for each layer for sending a wireless message includes a teleservice layer 500, a relay layer 505, a data link layer 510, and a message structure. It is characterized by including a physical layer (Physical Layer) (515).

According to the common knowledge in the technical field to which the present invention belongs, the wireless message is formed based on the DBM of IS-95-A, and the state of the wireless messaging system for sending the wireless message (Idle Mode, Traffic Mode, etc.). And / or a transmission channel for transmitting the wireless message is dynamically selected by the length of the user message 600 and the like, and the present invention is not limited thereto.

The teleservice layer 500 adds a MESSAGE_ID in front of a predetermined user data 600 edited by a user who sends the wireless message, followed by an internal time of the message center (MC Time Stamp), A priority indicator, a privacy indicator, an alert on delivery, and a language indicator are added to the delivery layer.

Here, the "internal time of the message center" and the "message arrival notification" are valid when the wireless message is received, and only the space for storing data is secured when the wireless message is transmitted.

The forwarding layer 505 may include SMS_MSG_TYPE for recognizing that the wireless message is SMS data in front of data transmitted from the teleservice layer 510, whether the data transmitted in the wireless message is a voice mailbox or a general message, and the like. A teleservice indicator for setting the same message attribute, an originating address, and a bearer reply option are added to the data link layer 510.

According to an embodiment of the present invention, the teleservice identifier is input to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button, etc.) in the customer wireless payment means 325 receiving the wireless message. Correspondingly, an identifier defined to drive the wireless payment program included in the customer wireless payment means 325 is preferably included.

If the teleservice identifier includes an identifier defined to drive a wireless payment program included in the customer wireless payment means 325, the user message 600 may identify a predetermined identifier (or payment information identifier) 605. Payment information necessary for VM-based wireless banking in the driven wireless payment program in a message to be output to the customer wireless payment means 325 through (e.g., payment amount information and account information to be deposited) Seller financial account information, and / or payment virtual account information, etc.)) 610.

The data link layer 510 transmits data transferred from the transport layer 505 to a physical layer 515 based on the DBM of IS-95-A via a Um interface, and the physical layer 515 Data transmitted from the data link layer 510 is added to the information center by the IS-95-A protocol and transmitted to the message center provided on the wireless communication network.

Figure 6 illustrates a structure of a wireless message sent by a wireless messaging system in accordance with an embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which a terminal message having a hierarchical message structure shown in FIG. 5 is transmitted using a DBM of a reverse traffic channel (RTC) in the calling radio terminal. Those skilled in the art will understand and refer to FIG. 6 to modify the wireless message structure corresponding to other wireless messages (eg, multimedia messages (MMS), etc.) in addition to the short message. The invention is by no means limited to the short message (SMS).

Referring to FIG. 6, a message using a DBM of a reverse traffic channel (RTC) includes a message structure corresponding to the DBM, a message structure corresponding to a teleservice identifier, and a destination address. A message structure corresponding to a message structure, a message structure corresponding to a bearer reply option, a message structure corresponding to a bearer data, a message structure corresponding to a message identifier, and a user message A message structure corresponding to User Data 600, a message structure corresponding to Priority Indicator, a message structure corresponding to Language Indicator, and a Call Back Nunber. Characterized in that it comprises a message structure.

According to an embodiment of the present invention, the teleservice identifier is input to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button, etc.) in the customer wireless payment means 325 receiving the wireless message. Correspondingly, an identifier defined to drive the wireless payment program included in the customer wireless payment means 325 is preferably included.

If the teleservice identifier includes an identifier defined to drive a wireless payment program included in the customer wireless payment means 325, the user message 600 may identify a predetermined identifier (or payment information identifier) 605. Payment information necessary for VM-based wireless banking in the driven wireless payment program in a message to be output to the customer wireless payment means 325 through (e.g., payment amount information and account information to which the payment amount is deposited (e.g., product seller) Financial account information, and / or virtual account information for payment, etc.)) 610.

For example, in the embodiment shown in FIG. 6, the separator (or payment information identifier) 605 is "", the payment information 610 is "0035000 | 123456789012", and "0035000" is payment in the payment information. Means the amount is 35,000 won, and the "|" The following number "123456789012" corresponds to account information (eg, product seller financial account information, and / or virtual account information for payment).

Those skilled in the art to which the present invention pertains correspond to the radio message structure corresponding to the hierarchical message structure shown in FIG. 5 and the DBM of the reverse traffic channel (RTC) shown in FIG. Since each message structure information will be clearly understood, a detailed description thereof will be omitted for convenience.

In FIG. 6, the teleservice identifier determines a method of processing the message, and the receiving side communication number includes a telephone number of the customer wireless payment means 325 for receiving and processing the message, and the user message 600 ) Includes at least one user input data to be sent to the customer wireless payment terminal 325, the language identifier includes a language encoding scheme (eg, lang = 254 is Korean) of the user message 600, The callback number includes a radio terminal telephone number corresponding to a wireless messaging system that sends the message.

7A and 7B illustrate a process of immediately processing a wire transfer (or virtual account) payment through the wireless payment means 325 according to one embodiment of the present invention.

In more detail, FIGS. 7A and 7B show that the wireless payment means 325 shown in FIG. 4 makes payment by wire transfer (or virtual account) from the wireless messaging system on the Internet shopping system shown in FIG. After receiving the wireless message to process immediately through 325, and based on the wireless message for the process of the instant payment processing through the VM-based wireless banking system shown in Figure 3, the present invention Those skilled in the art may refer to and / or modify the drawings 7a and 7b to infer various implementation methods for immediately processing the wire transfer (or virtual account) payment through the wireless payment means 325. The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

Referring to FIGS. 7A and 7B, the wireless payment means 325 shown in FIG. 4 is a wireless payment means (or virtual account) payment from a wireless messaging system on the Internet shopping system shown in FIG. Receiving a wireless message to process immediately through 325, and outputs the message information contained in the wireless message, and whether or not to immediately process the wire transfer (or virtual account) payment through the wireless payment means (325) Check (700).

According to an embodiment of the present invention, a wireless message received to immediately process the wire transfer (or virtual account) payment through the wireless payment means 325 from the wireless messaging system on the Internet shopping system shown in Figure 1, As shown in FIG. 5 and / or FIG. 6, it is preferable that a teleservice identifier for driving a wireless payment program included in the wireless payment means 325 is included.

If the wireless payment means 325 is confirmed to immediately process the wire transfer (or virtual account) payment through the wireless payment means 325 (eg, the "call" button is clicked, or the "confirmation" button is clicked). 705, the wireless payment means 325 drives the wireless payment program through wireless payment program driving information (eg, a teleservice identifier included in the wireless message) included in the wireless message (710), If it is confirmed that the wireless payment program is driven (715), the wireless payment means 325 extracts the customer account information from the memory unit 470, the wireless banking interface provided in the driven wireless payment program The customer account information is automatically entered in 720.

Thereafter, the wireless payment means 325 is the wireless banking interface provided in the wireless payment program, the payment amount information and account information (eg, product seller financial account information, and / or virtual account for payment included in the wireless message) Information, etc.) and automatically input the product seller information (or the Internet shopping mall information) to the wireless banking interface included in the wireless payment program when the wireless message further includes the product seller information (or the Internet shopping mall information). Automatically enter (725).

When the automatic input process is completed, the wireless payment means 325 checks whether at least one wireless payment authentication information is input through a predetermined key input means (730).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information. Etc.), and / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (735), the wireless payment means 325 is the customer account information, payment amount information, account information (eg, through the wireless payment program) In operation 740, the wireless banking request information including the product seller financial account information, and / or the virtual account information for payment, the product seller information (or the Internet shopping mall information), and the wireless payment authentication information is generated.

According to an embodiment of the present invention, the wireless banking request information includes the account transfer request information for the wireless banking server 300 to immediately process the wire transfer (or virtual account) payment through the wireless payment means 325. It is preferable to make it.

Those skilled in the art to which the present invention pertains, the wireless banking unit 485 is familiar with the various implementation methods for generating the wireless banking request information according to each financial system and VM-based wireless banking protocol defined. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the wireless payment means 325 performs an encryption function for the wireless banking request information (745), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / Or electronic envelope based encryption, and / or key exchange based encryption function.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit ( In operation 485, the function of encrypting the wireless banking request information may be omitted, and the present invention is not limited thereto.

If the encryption for the wireless banking request information is completed (750), the wireless payment means 325 transmits the wireless banking request information to the wireless banking server 300 through a wireless communication network connected to the wireless terminal. (755).

The wireless banking server 300 receiving the wireless banking request information performs a decryption function on the encrypted wireless banking request information (760), wherein the decryption function is secret key (or symmetric key) based decryption, and / or And at least one of public key based decryption, electronic envelope based decryption, and / or key exchange based decryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit ( In operation 485, the function of encrypting the wireless banking request information may be omitted, and the present invention is not limited thereto.

If the decryption of the wireless banking request information is completed (765), the wireless banking server 300 is linked to the financial system in which the customer financial account corresponding to the customer account information included in the wireless banking request information is opened. A financial transaction (or bank transfer) corresponding to the wireless banking request information is processed (770).

Those of ordinary skill in the art to which the present invention pertains know and understand the technical features of processing financial transactions (or account transfers) based on ledgers provided on financial systems of each financial institution. Detailed description is omitted for convenience.

If a financial transaction (or bank transfer) corresponding to the wireless banking request information is processed (775), the wireless banking server 300 is linked with the financial system to obtain the wireless banking result information corresponding to the wireless banking request information. Generating (780), transmitting the generated wireless banking result information to the wireless payment means 325 through the wireless communication network, and also via a predetermined communication means, an Internet shopping server on the Internet shopping system shown in FIG. The generated wireless banking result information is transmitted to 100 (785).

8 is a diagram illustrating a method for encrypting and transmitting wireless banking request information by a symmetric key (or secret key) method in a wireless payment means 325 according to an embodiment of the present invention.

In more detail, FIG. 8 is an embodiment of the present invention for encrypting and transmitting the wireless banking request information by a symmetric key (or secret key) method in the wireless payment means 325 having an encryption function as shown in FIG. In the art to which the invention pertains, the wireless banking request information on the wireless communication means 325 in the symmetric key (or secret key) method in the wireless payment means 325 on the wireless communication network with reference to and / or modified with reference to FIG. Various implementation methods of encryption may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 8 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the memory unit 470 provided in the wireless payment means 325.

According to another embodiment of the present invention, the symmetric key (or secret key) is stored in the memory unit 470 provided in the wireless payment means 325 in addition to the memory unit 470, and / or the wireless banking server ( 300 may be included in an interface screen provided to the wireless payment means 325, and / or embedded in a communication program communicating with the wireless banking server 300 on the wireless payment means 325. By this, the semi-invention is not limited.

Referring to FIG. 8, in the wireless banking unit 485 of the wireless payment means 325, predetermined customer account information, payment amount information, and account information (eg, product seller financial account information, and / or virtual account information for payment) Etc.) and the predetermined wireless banking request information including wireless payment authentication information and product seller information (or Internet shopping mall information) (800), the wireless banking unit 485 to the wireless payment means (325) Read a predetermined symmetric key (or secret key) for encrypting the wireless banking request information from the provided memory unit 470 (805), and the wireless banking request information through the read symmetric key (or secret key) Encrypt (810).

Here, the encryption function of the wireless banking unit 485 is called E (Encryption), the symmetric key (or secret key) is k (key), the wireless banking request information is P (Plaintext), and the symmetric key ( Alternatively, if the wireless banking request information encrypted with a secret key) is C (Ciphertext), the encryption function of the wireless banking unit 485 may be expressed by an expression such as "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the wireless banking request information by the wireless banking unit 485 through the symmetric key (or secret key) may include SEED, DES (Data Encryption Standard), Triple-DES, At least one of Skipjack and International Data Encryption Algorithm (IDEA) is preferably included. Various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the wireless banking request information is encrypted through the symmetric key (or the secret key) as described above, the wireless processor 430 transmits the encrypted wireless banking request information to the wireless banking server through a communication protocol defined on the wireless communication network. Transmit to 300 (815).

9 is a diagram illustrating a method of decrypting wireless banking request information encrypted and received by a wireless banking server 300 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a symmetric key (or symmetric key) in the wireless banking server 300 as shown in FIG. 3 to convert the wireless banking request information received from the wireless payment means 325 having the encryption function as shown in FIG. A method for decrypting using a secret key) method, and if the present invention belongs to those skilled in the art, the wireless payment means 325 on the wireless network by referring to and / or modifying the drawing 9 Various implementation methods for decrypting the encrypted wireless banking request information by a symmetric key (or secret key) method may be inferred. However, the present invention includes all the inferred implementation methods, and according to the implementation method illustrated in FIG. It is not limited.

In this figure 9 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from a predetermined key management D / B (not shown) provided in the wireless banking server 300, Key management D / B (not shown) is preferably stored in a predetermined database (not shown) in conjunction with the wireless banking server 300, by which the present invention is not limited.

Referring to FIG. 9, when the encrypted wireless banking request information is received through the wireless communication network in the information receiving unit 310 of the wireless banking server 300 (900), the information receiving unit 310 is a wireless banking server ( A predetermined symmetric key (or secret key) for decrypting the encrypted wireless banking request information is extracted from a predetermined key management D / B (not shown) included in 300, and the extracted symmetric key ( Or decrypts the encrypted wireless banking request information through a secret key (910).

Here, the decryption function of the information receiver 310 is called D (Decryption), and the wireless banking request information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key) is C. (Ciphertext) and the decrypted wireless banking request information is P (Plaintext), the function of the information receiving unit 310 to decrypt the encrypted wireless banking request information "Dk = P, or Dk (Ek (P )) = P ".

According to the embodiment of the present invention, the algorithm for decrypting the encrypted wireless banking request information through the symmetric key (or secret key) by the information receiver 310, SEED, DES (Data Encryption Standard), Triple-DES Preferably, at least one of Skipjack, International Data Encryption Algorithm (IDEA), and various other decryption algorithms may be used, but the decryption algorithm is the encryption algorithm used in the wireless payment means (325) And the present invention is not limited by a specific decoding algorithm.

When the wireless banking request information encrypted through the symmetric key (or the secret key) is decrypted as described above, the information receiver 310 provides the decrypted wireless banking request information to the banking processor 315 according to the present invention. In operation 915, the wireless banking procedure is performed.

FIG. 10 is a diagram illustrating a method for encrypting and transmitting wireless banking request information in a public key infrastructure in a wireless payment means 325 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates an embodiment of the present invention in which a wireless payment means 325 having an encryption function as shown in FIG. 4 encrypts and transmits the wireless banking request information in a public key infrastructure. Those skilled in the art may refer to and / or modify this drawing 10 to infer various implementation methods for encrypting the wireless banking request information in a public key manner in the wireless payment means 325 on the wireless communication network. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In FIG. 10 according to the embodiment of the present invention, the server-side public key is preferably read from the memory unit 470 provided in the wireless payment means 325.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) which is operated and managed by an authentication authority that issues the memory unit 470 to the wireless payment means 325. This is not limited.

Referring to FIG. 10, in the wireless banking unit 485 of the wireless payment means 325, predetermined customer account information, payment amount information, and account information (eg, product seller financial account information, and / or virtual account information for payment) Etc.) and the predetermined wireless banking request information including the wireless payment authentication information and the product seller information (or the Internet shopping mall information) (1000), the wireless banking unit 485 from the memory unit 470 A predetermined server side public key for encrypting the wireless banking request information is extracted (1005), and the wireless banking request information is encrypted (1010) using the extracted server side public key.

Here, the encryption function of the wireless banking unit 485 is called E (Encryption), the server-side public key is k1 (key), the wireless banking request information is encrypted with P (Plaintext), and the server-side public key. When the wireless banking request information is referred to as C (Ciphertext), the encryption function of the wireless banking unit 485 may be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for the wireless banking unit 485 to encrypt the wireless banking request information through the server-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature) Algorithm, DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of encryption algorithms may be used, but in a specific encryption algorithm The present invention is not limited by this.

For example, in the case of encrypting the wireless banking request information through the RSA encryption algorithm among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the wireless banking unit 485 may be expressed as" C = Ek1 (P) = Pe mod n ".

When the wireless banking request information is encrypted through the server-side public key as described above, the wireless processor 430 transmits the encrypted wireless banking request information to the wireless banking server 300 through a network component on the wireless communication network. (1015).

11 is a diagram illustrating a method of decrypting wireless banking request information encrypted and received by a wireless banking server 300 in a public key infrastructure according to an embodiment of the present invention.

In more detail, in FIG. 11, the public bank infrastructure of the wireless banking server 300 as shown in FIG. 3 is used to transmit the wireless banking request information encrypted and received from the wireless payment means 325 having the encryption function as shown in FIG. Method for decrypting by the method, and the present invention is known to those skilled in the art to which the present invention pertains. The server-side disclosure in the wireless payment means 325 on the wireless communication network with reference to and / or modification of FIG. Various implementation methods for decrypting the key-encrypted wireless banking request information with a public key infrastructure scheme may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG. No.

In FIG. 11 according to an embodiment of the present invention, the server-side private key for decrypting the wireless banking request information encrypted with the server-side public key in a public key infrastructure scheme is a predetermined key provided in the wireless banking server 300. It is preferable to read from the management D / B (not shown), and the predetermined key management D / B (not shown) is preferably stored in a predetermined database (not shown) in association with the wireless banking server 300. The present invention is not limited thereby.

Referring to FIG. 11, when encrypted wireless banking request information is received from the information receiving unit 310 of the wireless banking server 300 through the wireless communication network (1100), the information receiving unit 310 receives the wireless banking server 300. Extracts a server-side private key for decrypting the encrypted wireless banking request information from a predetermined key management D / B (not shown) included in (1105), and encrypts the encrypted server through the extracted server-side private key. The wireless banking request information is decrypted (1110).

Here, the decryption function of the information receiver 310 is called D (Decryption), the server-side private key is k2 (key), the wireless banking request information encrypted with the server-side public key is C (Ciphertext), and the server. If the wireless banking request information decrypted with the side private key is called P (Plaintext), the function of the information receiver 310 decrypting the encrypted wireless banking request information is "Dk2 = P, or Dk2 (Ek (P)) = It can be expressed by an expression such as "P".

According to an embodiment of the present invention, the algorithm for decrypting the wireless banking request information encrypted by the server-side public key in the wireless payment means 325 through the server-side private key, RSA (Ron Rivest) , Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. A decryption algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the wireless payment means 325, and the present invention is not limited to a specific decryption algorithm.

For example, when the wireless banking request information is decoded through the RSA decryption algorithm among the public key based decryption algorithms, the published method (Modulus) used in the decryption process is not disclosed by n and the different prime factors of n. If the prime is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the information receiver 310 may be expressed as" P = Dk2 = Cd mod n ".

When the wireless banking request information encrypted with the server-side public key is decrypted by the wireless payment means 325 through the server-side private key, the information receiving unit 310 transmits the decrypted wireless banking request information to the banking processing unit ( 315) to process the wireless banking procedure according to the present invention (1115).

12 is a diagram illustrating a method for encrypting and transmitting wireless banking request information by an electronic envelope method in a wireless payment means 325 according to an embodiment of the present invention.

More specifically, FIG. 12 is an embodiment of the present invention for encrypting and transmitting the wireless banking request information by an electronic envelope method in a wireless payment means 325 equipped with an encryption function as shown in FIG. 4. In the art, various embodiments of the present invention can be inferred by referring to and / or modifying the drawing of FIG. 12 to encrypt the wireless banking request information in an electronic envelope method in the wireless payment means 325 on the wireless communication network. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 12 according to the embodiment of the present invention, the server-side public key is preferably read from the memory unit 470 provided in the wireless payment means 325.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) which is operated and managed by an authentication authority that issues the memory unit 470 to the wireless payment means 325. This is not limited.

Referring to FIG. 12, in the wireless banking unit 485 of the wireless payment means 325, predetermined customer account information, payment amount information, and account information (for example, product seller financial account information, and / or virtual account information for payment) Etc.) and the predetermined wireless banking request information including wireless payment authentication information and product seller information (or Internet shopping mall information) (1200), the wireless banking unit 485 stores the wireless banking request information as a secret key. A predetermined random secret key for encrypting using a secret key (symmetric key) method is generated (1205), and the wireless banking request information is encrypted using the generated secret key (1210).

Here, the encryption function of the wireless banking unit 485 is called E (Encryption), the secret key is r (random secret key), the wireless banking request information P (Plaintext), and the wireless banking encrypted with the secret key When the request information is referred to as C (Ciphertext), the encryption function of the wireless banking unit 485 may be expressed by an equation such as "Er (P) = C".

According to the embodiment of the present invention, the algorithm for encrypting the wireless banking request information by the wireless banking unit 485 through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International) It is preferable to include at least one or more of Data Encryption Algorithm, and in addition, various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

Thereafter, the wireless banking unit 485 encrypts the secret key (random secret key) used to encrypt the wireless banking request information. For this purpose, the wireless banking unit 485 is a predetermined value from the memory unit 470. The server-side public key is extracted (1215), and the secret key is encrypted using the server-side public key (1220).

Here, the encryption function of the wireless banking unit 485 is called E (Encryption), the server-side public key is encrypted with k1 (key), the secret key is r (random Secret key), and the server-side public key. If the secret key is C (Ciphertext), the encryption function of the wireless banking unit 485 may be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the wireless banking unit 485 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman), and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless banking unit 485 may be expressed as" C = Ek1 (r) = re mod n ".

If the wireless banking request information is encrypted with the secret key, and the secret key is encrypted with the server-side public key, the wireless banking unit 485 uses the wireless banking request information and the server-side public key encrypted with the secret key. Generate and provide transaction data associated with an encrypted secret key to the wireless processing unit 430 (1225), and the wireless processing unit 430 provides the transaction data to the wireless banking server 300 through a network component on a wireless communication network. In operation 1230.

FIG. 13 is a diagram illustrating a method of decrypting wireless banking request information encrypted and received by a wireless banking server 300 in an electronic envelope method according to an embodiment of the present invention.

In more detail, in FIG. 13, the wireless banking server 300 as shown in FIG. 3 receives transaction data including encrypted wireless banking request information from the wireless payment means 325 having the encryption function. The present invention relates to a method of decrypting transaction data by an electronic envelope method. If the present invention has a general knowledge, the wireless payment means 325 on the wireless communication network will be described with reference to FIG. In various embodiments of the present invention, it can be inferred from the electronic envelope method to decrypt the transaction data encrypted with the same electronic envelope method. However, the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited.

In FIG. 13 according to an embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is read from a predetermined key management D / B (not shown) provided in the wireless banking server 300. Preferably, the predetermined key management D / B (not shown) is preferably stored in a predetermined database (not shown) interworking with the wireless banking server 300, and the present invention is not limited thereto.

Referring to FIG. 13, when predetermined transaction data including encrypted wireless banking request information is received by the information receiver 310 of the wireless banking server 300 (1300), the information receiver ( 310 extracts a server-side private key for decrypting an encrypted secret key included in the transaction data from a predetermined key management D / B (not shown) included in the wireless banking server 300 (1305). By decrypting the secret key encrypted by the server-side public key in the wireless payment means 325 through the extracted server-side private key (1310), a predetermined secret key for decrypting the wireless banking request information is extracted (1315). By decrypting the wireless banking request information using the extracted secret key (1320), the wireless banking request information extracted from the wireless banking means 325 with the secret key is extracted. (1325).

Here, the decryption function of the information receiver 310 is referred to as D (Decryption), the server-side private key is k2 (key), the server-side public key is encrypted with C (Ciphertext), and the server-side individual. When the secret key decrypted with the key is r (random secret key), the function of decrypting the encrypted secret key by the information receiver 310 is equal to "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as an expression.

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the wireless payment means 325 via the server-side private key, RSA (Ron Rivest, Adi). Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding algorithms Although it can be used, the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the wireless payment means 325, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process, n, a prime number which is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 310 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the information receiving unit 310 is referred to as D (Decryption), the secret key is r (random secret key), the wireless banking request information encrypted with the secret key (C (Ciphertext)), and the decryption When the wireless banking request information is called P (Plaintext), the function of decrypting the encrypted wireless banking request information by the information receiver 310 is "Dr = P, or Dr (Er (P)) = P". It can be expressed as an expression.

According to an embodiment of the present invention, the algorithm for decrypting the encrypted wireless banking request information by the information receiving unit 310 using the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably includes at least one or more, and various forms of decryption algorithms may be used, but the decryption algorithm is matched with the encryption algorithm used in the wireless payment means (325). The present invention is not limited to the specific decoding algorithm.

When the wireless banking request information is decoded as described above, the information receiver 310 processes the wireless banking procedure according to the present invention by providing the decoded wireless banking request information to the banking processor 315 (1330). ).

14A and 14B illustrate a method of encrypting and transmitting wireless banking request information by a key exchange method in a wireless payment means 325 according to an embodiment of the present invention.

More specifically, FIGS. 14A and 14B illustrate an implementation method of encrypting and transmitting the wireless banking request information by a key exchange method in a wireless payment means 325 having an encryption function as shown in FIG. 4. Those skilled in the art may refer to and / or modify this drawing 14 to infer various implementation methods for encrypting the wireless banking request information in a key exchange method in the wireless payment means 325 on the wireless communication network. As will be appreciated, the present invention encompasses all of the inferred practice methods and is not limited to the practice method shown in FIG.

In FIG. 14 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are preferably read from the memory unit 470 provided in the wireless payment means 325.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by an authentication authority that issues the memory unit 470 to the wireless payment means 325. The present invention is not limited thereby.

Referring to FIGS. 14A and 14B, in the wireless banking unit 485 of the wireless payment means 325, predetermined customer account information, payment amount information, and account information (eg, product seller financial account information, and / or payment) Virtual banking information, etc.), wireless payment authentication information including product authentication information (or Internet shopping mall information), and the like, when predetermined wireless banking request information is generated (1400), the wireless banking unit 485 is the wireless banking request information. Generates a one-way hash function (eg, a message digest including a hash code of a predetermined length regardless of the length of the wireless banking request information), and generates the hash code (or message digest). One-way hash function that cannot confirm (or infer) the original message through the wireless payment means 325 and the wireless banking server 300 using the same hash function. Generating a message digest and 1405, the electronic signature by encrypting the private key with the terminal side of the Message Digest (1410).

Here, the encryption function of the wireless banking unit 485 is called E (Encryption), the terminal side private key is t1 (15erminal side key), the message digest is m (message digest), and the terminal side private key is encrypted. If the message digest is referred to as C (Ciphertext), the digital signature function of the wireless banking unit 485 may be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, the algorithm for encrypting the message digest by the wireless banking unit 485 through the terminal-side private key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the wireless banking unit 485 can be expressed as" C = Et1 (m) = me mod n ".

In addition, the wireless banking unit 485 generates a predetermined random secret key for encrypting the wireless banking request information using a secret key (symmetric key) method (1415), and the wireless banking The request information and the message digest encrypted with the terminal-side private key and a copy of a certificate (eg, a certificate including the terminal-side public key) included in the memory unit 470 are linked to each other and encrypted using the generated private key ( 1420).

Here, the encryption function of the wireless banking unit 485 is called E (Encryption), the secret key is r (random secret key), the wireless banking request information and the copy of the certificate is encrypted with P (Plaintext), and the secret key If the wireless banking request information and the copy of the certificate is referred to as C (Ciphertext), the encryption function of the wireless banking unit 485 may be expressed by a formula such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the wireless banking request information and the copy of the certificate through the secret key, the wireless banking unit 485, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, It is preferable to include at least one or more of the International Data Encryption Algorithm (IDEA), and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

In addition, the wireless banking unit 485 extracts a predetermined server-side public key from the memory unit 470 to encrypt the secret key that encrypts the wireless banking request information (1425), and the server-side public key. Encrypt a secret key encrypting the wireless banking request information using (1430).

Here, the encryption function of the wireless banking unit 485 is referred to as E (Encryption), the server side public key is referred to as s1 (server side key), the secret key as r (random secret key), and the server side public key. When the encrypted secret key is called C (Ciphertext), the encryption function of the wireless banking unit 485 may be expressed by an expression such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the wireless banking unit 485 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman), and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless banking unit 485 may be expressed as" C = Es1 (r) = re mod n ".

The wireless banking request information, the message digest encrypted with the terminal-side private key, and a copy of a certificate including the terminal-side public key are linked to each other and encrypted through the generated secret key, and the secret key is used to store the server-side public key. When encrypted through the wireless banking unit 485, the server side copies a certificate including the wireless banking request information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key. Generates predetermined transaction data in association with a secret key encrypted with a public key, provides the generated transaction data to the wireless processing unit 430 (1435), and the wireless processing unit 430 transmits the transaction data on a wireless communication network. It transmits to the wireless banking server 300 through a network component (1440).

FIG. 15 illustrates a method of decrypting wireless banking request information encrypted and received by the wireless banking server 300 in a key exchange method according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates a process in which the wireless banking server 300 as shown in FIG. 3 receives transaction data including encrypted wireless banking request information from the wireless payment means 325 having the encryption function as shown in FIG. The present invention relates to a method of decrypting transaction data using a key exchange method. If the present invention has ordinary knowledge, the wireless payment means 325 on the wireless communication network will be described with reference to FIG. In the present invention, various implementation methods for decrypting the transaction data encrypted by the key exchange scheme may be inferred by the same key exchange scheme. However, the present invention includes all the inferred implementation methods, and as shown in FIG. It is not limited.

In FIG. 15 according to an embodiment of the present invention, a server-side private key and a terminal-side public key for decrypting the transaction data in a key exchange method are provided with a predetermined key management D / B (e.g. (Not shown), and a predetermined key management D / B (not shown) is preferably stored in a predetermined database (not shown) interworking with the wireless banking server 300, whereby the present invention This is not limited.

Referring to FIG. 15, the information receiver 310 of the wireless banking server 300 receives transaction data including the encrypted wireless banking request information through the wireless communication network (1500). And a copy of a certificate including the message digest and the terminal-side public key encrypted with the wireless banking request information encrypted with the secret key and the terminal-side private key, and / or received via a communication protocol defined in a communication network. And the secret key encrypted with the server-side public key.

Thereafter, the information receiver 310 receives the server-side private key from a predetermined key management D / B (not shown) provided in the wireless banking server 300 to decrypt the secret key encrypted with the server-side public key. A copy of the certificate including the message digest and the terminal-side public key encrypted with the wireless banking request information and the terminal-side private key by extracting (1510) and decrypting the secret key through the server-side private key (1515). The secret key for decrypting is extracted (1520).

Here, the decryption function of the information receiving unit 310 is called D (Decryption), the server side private key is s2 (server side key), the secret key encrypted with the server side public key is C (Ciphertext), and the server When the secret key decrypted with the side private key is r (random secret key), the function of decrypting the encrypted secret key by the information receiver 310 is "Ds2 = r, or Ds2 (Es1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the wireless payment means 325 via the server-side private key, RSA (Ron Rivest, Adi). Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding algorithms Although it can be used, the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the wireless payment means 325, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 310 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the information receiver 310 includes the message digest encrypted with the wireless banking request information and the terminal-side private key using the extracted secret key and the terminal-side public key. By decrypting the copy (1525), a certificate copy including the wireless banking request information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the information receiving unit 310 is referred to as D (Decryption), the secret key is r (random secret key), the wireless banking request information encrypted with the secret key and the message digest encrypted with the terminal-side private key And a copy of the certificate including the terminal-side public key C (Ciphertext), and a copy of the certificate including the message digest encrypted with the decrypted wireless banking request information and the terminal-side private key and the terminal-side public key P ( Plaintext), the information receiver 310 decrypts a copy of a certificate including the encrypted wireless banking request information and the message digest encrypted with the terminal-side private key and the terminal-side public key. , Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the information receiving unit 310 copies the certificate including the message digest and the terminal-side public key encrypted with the encrypted wireless banking request information and the terminal-side private key through the secret key. The decryption algorithm may include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. The decryption algorithm is matched with the encryption algorithm used in the wireless payment means 325, and the present invention is not limited to the specific decryption algorithm.

In addition, the information receiver 310 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (1530), and generates and transmits the wireless banking request information from the wireless banking means 325. One message digest is extracted (1535).

Here, the decryption function of the information receiver 310 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the terminal. When the message digest decrypted with the public key is m (Message Digest), the function of decrypting the encrypted message digest by the information receiver 310 is "Dt2 = m, or Dt2 (Es1 (r)) = m" and The same formula can be used.

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the wireless payment means 325 with the terminal-side private key through the terminal-side public key is RSA (Ron Rivest, Adi). Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the wireless payment means 325, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is de de a-1) (b-1) ", wherein the decoding function of the information receiver 310 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the information receiving unit 310 generates a predetermined message digest through the same one-way hash function with the received wireless banking request information (1540), and then generates the generated message digest and the message digest. By comparing the decrypted message digest (1545), the validity of the received wireless banking request information is verified.

If the generated message digest and the decrypted message digest match (1550), the information receiver 310 provides the wireless banking request information to the banking processor 315 to perform the wireless banking procedure according to the present invention. Process to perform (1555).

FIG. 16 is a diagram illustrating a wireless banking system for immediately processing an online account transfer (or virtual account) payment through a wireless payment method according to another embodiment of the present invention.

More specifically, FIG. 16 provides an integrated circuit (IC) chip-based wireless banking service that immediately processes the online account transfer (or virtual account) payment through a wireless payment method on the Internet shopping system shown in FIG. For a wireless banking system for those of ordinary skill in the art to which the present invention pertains, the online account transfer (or virtual account) payment can be made immediately through a wireless payment means by referring to and / or modifying the drawing 16. Various implementation methods for the construction of a financial IC chip-based wireless banking system to be processed may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 16 according to an embodiment of the present invention, a wireless banking system for immediately processing the online bank transfer (or virtual account) payment through a wireless payment means includes a predetermined financial IC chip and the financial IC chip. Financial IC chip-based wireless banking processing information in connection with at least one or more wireless payment means provided with a wireless payment program for providing a predetermined wireless banking service, and a wireless payment program provided in the wireless payment means through a predetermined wireless communication network. And a wireless banking server for storing the received wireless banking processing information in a predetermined financial system through a predetermined interface means, and the financial system connected to the wireless banking server through a predetermined interface means. The wireless payment means is on the Internet shopping system shown in FIG. Receiving a predetermined wireless message (eg, a Short Message Service (SMS) and / or a Multimedia Message Service (MMS), etc.) including predetermined wireless payment request information from the wireless messaging system; In this way, the wireless payment program for immediately processing the online account transfer (or virtual account) payment through the wireless payment means is driven by the wireless payment means.

The wireless payment means is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on the IEEE 802.16x standard, and / or operating based on the IEEE 802.11x standard. Characterized in that it comprises at least one or more of the wireless LAN terminal, the wireless payment program for providing a wireless banking service for immediately processing the online account transfer (or virtual account) payment through a wireless payment means It is characterized by being provided.

Here, a preferred embodiment of the wireless payment means function configuration provided with the wireless payment program will be described in detail with reference to FIG.

When the wireless payment means is a CDMA stack-based mobile communication terminal according to an embodiment of the present invention, the wireless communication network to which the wireless payment means is connected may include the CDMA stack-based mobile communication network. Accordingly, the mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the wireless payment means is a portable Internet terminal based on IEEE 802.16x, the wireless communication network to which the wireless payment means is connected includes the portable Internet based on IEEE 802.16x.

According to another exemplary embodiment of the present invention, when the wireless payment means is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless payment means is preferably configured to include the IEEE 802.11x based wireless LAN.

According to the present invention, the wireless payment program provided in the wireless payment means performs an IC chip-based wireless banking procedure using the financial IC chip provided in the wireless payment means, and performs a wireless communication function provided in the wireless payment means. Connecting a wireless communication network to a wireless banking server to which a wireless payment means is connected to a predetermined wireless banking server, and transmitting wireless banking processing information corresponding to the IC chip-based wireless banking procedure to the wireless banking server through the communication channel. The wireless banking server receiving the wireless banking processing information records at least one or more financial transaction details included in the wireless banking processing information in a ledger provided in a predetermined financial system. It characterized in that the synchronization.

Preferably, the wireless banking processing information includes customer account information provided in the financial IC chip provided in the wireless payment means, wherein the customer account information includes a customer account number and a branch number for the customer financial account. It comprises at least one.

In addition, the wireless banking processing information preferably comprises a financial transaction history corresponding to the IC chip-based wireless banking, wherein the financial transaction details are financial transaction date and time information, financial transaction amount information, financial transaction code information, balance It is preferable to include at least one or more information, transaction account information.

In particular, the financial transaction amount information of the financial transaction details is preferably made of at least one or more of the amount withdrawn from the customer financial account, and / or the amount deposited into the customer financial account, the transaction account information Is at least one deposit account information (e.g., if the financial transaction type corresponding to the financial transaction code information corresponds to a wire transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / or virtual account information (e.g., When the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to a virtual account, the financial transaction code information may further include a virtual account number to which the amount is transferred.

The wireless banking processing information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless payment means, wherein the wireless banking authentication information is stored in the customer financial account. A corresponding account password, and / or a financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested via the wireless banking processing information, and / or a security code (eg, printed on a security card issued to a customer) And a security code, and / or a combination of at least two or more security codes).

According to the present invention, the wireless banking server is based on the financial IC chip wireless processing to immediately process the online account transfer (or virtual account) payment from the wireless payment program provided in the wireless payment means through the wireless communication network through the wireless payment means And an interface unit for connecting and managing a communication channel for providing a banking service.

According to an embodiment of the present invention, a communication channel connected between the wireless payment program provided in the wireless payment means and the wireless banking server by the interface unit includes a financial transaction defined between the wireless payment program and the wireless banking server. It is preferable to include a data communication channel for transmitting and receiving at least one financial transaction synchronization data (eg, wireless banking processing information, ledger recording result information, etc.) through a communication protocol.

According to an embodiment of the present invention, it is preferable that at least one financial transaction synchronization data transmitted and received through the communication channel is encrypted and transmitted and received through at least one or more encryption methods, and for this, a wireless payment program provided in the wireless payment means. And / or the wireless banking server is provided with an encryption / decryption function for the financial transaction synchronization data.

In addition, the financial transaction synchronization data transmitted from the wireless payment program provided to the wireless payment means through the communication channel to the wireless banking server is preferably attached to the electronic signature of the wireless payment means customer, for this purpose the wireless payment The wireless payment program included in the means is provided with an electronic signature attachment function for the financial transaction synchronization data, the wireless banking server is preferably provided with an electronic signature confirmation function for the financial transaction synchronization data.

Referring to FIG. 16, the wireless banking server 1600 may include an information receiver 1605 for receiving at least one or more wireless banking processing information from the wireless payment means 1625 through the interface unit 1620, and a predetermined financial service. An information storage unit 1610 for recording a financial transaction history included in the received wireless banking processing information in association with a system in a ledger provided on the financial system, and the information storage unit in conjunction with the interface unit 1620 And an information transmission unit 1615 for generating the ledger recording result information on the financial transaction history recorded in the ledger provided in the financial system, and providing the result to the wireless payment means 1625 in 1610. do.

The wireless payment program is driven in the wireless payment means 1625, and the wireless payment program uses the financial IC chip provided in the wireless payment means 1625 to pay the online account transfer (or virtual account). After performing a wireless banking procedure for immediate processing through 1625, if at least one wireless banking process information corresponding to the wireless banking procedure is generated and transmitted through the wireless communication network, the information receiving unit 1605 performs the interface. Receive the wireless banking processing information transmitted from the wireless payment means 1625 through the unit 1620.

According to an embodiment of the present invention, the wireless banking processing information may include at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption) in the wireless payment program. And / or a key exchange encryption scheme, etc.), the information receiving unit 1605 further includes a function of decrypting the encrypted wireless banking processing information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

When at least one wireless banking processing information for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 1625 is received (or received and decrypted) through the information receiving unit 1605, the information is stored. The unit 1610 may extract at least one financial transaction history for immediately processing the online account transfer (or virtual account) payment through the wireless payment means 1625 from the wireless banking processing information.

According to an embodiment of the present invention, the financial transaction history extracted from the wireless banking processing information includes at least one financial transaction date and time information, financial transaction amount information, financial transaction code information, balance information, transaction account information, and the like. It is preferable.

In particular, the financial transaction amount information of the financial transaction details may include at least one or more of the amount withdrawn from the customer financial account, and / or the amount deposited into the customer financial account, the transaction account The information may include at least one deposit account information (e.g., when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, a deposit account number to which the money transfer amount is transferred, etc.) and / or a virtual account information (e.g., When the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to the virtual account, the financial transaction code information may further include a virtual account number to which the amount is transferred.

When at least one financial transaction history is extracted from the wireless banking processing information, the information storage unit 1610 may provide a predetermined interface through a predetermined interface means (eg, an interface connecting the wireless banking server 1600 and the financial system). And storing the extracted financial transaction details in a ledger on a financial system (eg, a financial system in which a customer financial account corresponding to the customer account information is opened).

The financial system is a general term for a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 16, at least one financial account is opened to at least one financial transaction customer, and the financial account is opened. A computer system provided in a financial institution to provide at least one financial transaction service based on the account, comprising: an account system for processing a window service such as credit or reception or trust or foreign exchange occurring at at least one branch (or window); An information system that processes headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network At least one non-face-to-face financial transaction instrument (eg, inter Access to the financial system from net banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., and / or various financial transactions through at least one common network (eg CD common network, financial common network) And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. A DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function. It is characterized by comprising.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger supplementary information corresponding to each ledger information (e.g., specifying and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

In addition, a person having ordinary knowledge in the technical field to which the present invention belongs, the financial IC chip and the financial provided in the wireless payment means 1625 by storing the financial transaction details in the ledger provided on the financial system. As you will be familiar with the various embodiments of synchronizing the ledger on the system, a detailed description thereof will be omitted for convenience.

When the information storage unit 1610 stores the financial transaction details in the ledger on the financial system, the information transmission unit 1615 records the ledger record result information including the predetermined financial transaction details corresponding to the financial transaction procedure. Generating and transmitting the generated ledger recording result information in association with the interface unit 1620 to the wireless payment means 1625 through the wireless communication network, and through the predetermined communication means. The recording result information is transmitted to the Internet shopping server 100 on the Internet shopping system shown in FIG.

The wireless payment means 1625 receiving the ledger recording result information from the wireless banking server 1600 through the wireless communication network, the financial transaction synchronization result included in the received ledger recording result information through the wireless payment program Outputs to the screen output means provided in the wireless payment means 1625.

In addition, the Internet shopping server 100 receiving the ledger recording result information from the wireless banking server 1600 through the communication means, and delivers the goods purchased by the customer to the customer through a predetermined product delivery system Perform the procedure.

FIG. 17 is a diagram illustrating a function of a wireless payment means 1625 for immediately processing an online account transfer (or virtual account) payment through a wireless payment means 1625 according to another embodiment of the present invention.

In more detail, FIG. 17 illustrates a wireless payment means shown in FIG. 16 to perform a financial IC chip-based wireless banking function of immediately processing the online account transfer (or virtual account) payment through a wireless payment means 1625. 1625) is a mobile communication terminal for accessing a code division multiple access (CDMA) stack-based mobile communication network, the preferred functional configuration of the mobile communication terminal for performing the financial IC chip-based wireless banking function.

Those skilled in the art to which the present invention pertains immediately refer to and / or modify this drawing 17 to immediately process the online account transfer (or virtual account) payment via the wireless payment means 1625 in addition to the mobile communication terminal. It is possible to easily infer the functional configuration of another wireless payment means 1625 (for example, a portable Internet terminal or a wireless LAN terminal), but the present invention includes all the inferred implementation method, the wireless payment means 1625 is not limited to the case of the mobile communication terminal shown in FIG.

In terms of hardware, the wireless payment means 1625 providing a mobile communication service includes a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 1725, and the like. Internally, a predetermined modem chip incorporating functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, and the like (e.g., an MSM series modem chip from Qualcomm, USA) And various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier for amplifying a transmission signal, a high power amplifier (HPA), and an isolator for preventing a high power transmission signal from being reversed. Isolator), RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, 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. 17, the wireless payment means 1625 that immediately processes the online account transfer (or virtual account) payment through the wireless payment means 1625 basically includes a control unit 1705, a screen output unit 1710, and a sound. A processor 1715, a key input unit 1720, a wireless processor 1730, a near field communication unit 1735, a memory unit 1770, and a battery 1725 for power supply are provided. Or an IC chip reader unit 1750 interfacing with the financial IC chip mounted on or detached from the wireless payment means 1625 for immediately processing the payment through a wireless payment means 1625 and the wireless account. It further comprises a functional configuration including a camera mounted on or detached from the payment means 1625 and a camera unit 1760 for reading predetermined image information from the camera.

The control unit 1705 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program for providing a function specific to the wireless payment means 1625 from a predetermined memory element. Routine and / or a bus for inputting and outputting program data (BUS) and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that it comprises a predetermined memory device and / or chipset in software A generic term for program routines and / or program data loaded from the execution memory into the execution memory and processed by the processor to perform a specific function (hence, in the present invention, payment of an online account transfer (or virtual account) is performed by a wireless payment means ( A predetermined program routine recorded on the recording medium of the wireless payment means 1625 for immediate processing through 1625. It will be described as being provided in the control unit 1705 for convenience.), By the control unit 1705 to realize the various functions to be implemented in the wireless payment means 1625, and also to In order to realize the overall operation of the wireless payment means 1625 is characterized in that to control and manage. In particular, when power is input to the wireless payment means 1625 to perform a function of the control unit 1705 for controlling and managing the overall operation of the wireless payment means 1625, an operating system routine stored in a predetermined memory element. , System 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 1710 is a liquid crystal display (LCD) driver for outputting a screen, and a key input unit 1720 by the control unit 1705 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt; And / or multimedia content) to a predetermined screen output device (eg, an LCD panel). The screen output unit 1710 performs a wireless banking procedure by interlocking a screen output device (LCD). It is desirable to perform a function of an information output unit that outputs predetermined information required in the process of performing the same.

The sound processor 1715 encodes a predetermined sound signal input from a microphone included in the wireless payment means 1625 and provides the sound signal to the controller 1705, or the controller 1705 extracts and / or generates the sound signal. A predetermined sound signal may be decoded and output through a speaker. The sound processor 1715 includes a predetermined vocoder and a codec. The sound processing unit 1715 performs a function of a sound input unit provided in the wireless payment means 1625 through a microphone, or is provided in the wireless payment means 1625 through the sound processing unit 1715 and a speaker. Functions as a sound output means.

The key input unit 1720 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad, and selects a predetermined key provided in the keypad in a specific input mode and / or operation mode of the wireless payment means 1625 controlled by the controller 1705. When predetermined information (or signal) is input from the button, 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 controlled by the controller 1705. The controller 1705 reads predetermined key data corresponding to the key event in the current input mode and / or the operation mode of the wireless payment means 1625 (for example, Read key data into the key event from a key table storing (managing) at least one or more key data corresponding to a specific key event in each wireless payment means 1625 input mode and / or operation mode, and / or The method may further include reading a command for executing a predetermined function that is matched with a key event. The keypad including the key input unit 1720 and at least one key button performs a function of a key input unit provided in the wireless payment means 1625 in cooperation with each other.

The wireless processing unit 1730 is associated with the control unit 1705 (e.g., a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control and / or 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, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) that performs transmission and reception of radio frequency signals. In particular, the wireless processing unit 1730 processes the information or signal transmitted from the wireless payment means 1625 to the base station to provide the mobile communication service to a CDMA stack, or from a CDMA stack received from the base station. It provides a function for reading information or signals.

According to one embodiment of the present invention, the wireless payment means 1625 connects a predetermined wireless section with a base station on a predetermined mobile communication network through the wireless processing unit 1730, and connects a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless banking server 1600 provided on the mobile communication network and / or a predetermined communication network in conjunction with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless payment means 1625 shown in FIG. 17 is a portable Internet terminal and / or a wireless LAN terminal, the wireless processing unit 1730 may be connected to the portable Internet and / or wireless LAN to transfer an online account. Or a virtual account) function configuration for providing a predetermined data communication service for immediately processing through the wireless payment means 1625.

The short-range communication unit 1735 may include 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 one embodiment of the present invention, the wireless payment means 1625 connects a wireless section connecting a predetermined short range device 1740 and a predetermined short range wireless communication session through the short range communication unit 1735, and the short range It is preferable to connect a predetermined communication channel with a wireless banking server 1600 provided on a predetermined communication network through a wired section including a predetermined network to which the device 1740 is connected.

The memory unit 1770 inputs and outputs 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 payment means 1625 is performed. General term for a memory device for storing information and / or data), a read-only memory (ROM) corresponding to a read-only memory, a flash memory (FM) for reading / writing, and an electrically erasable and programmable memory (EPPROM). 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 payment means 1625 and information or data therefor. And the like, wherein the EEPROM includes at least one information and / or data extracted and / or generated during the execution of an application included in the terminal registration related parameter and telephone number (eg, address book) or the wireless payment means 1625. Etc. are stored.

According to a preferred embodiment of the present invention, the memory unit 1770 is a wireless payment that provides a financial IC chip-based wireless banking function to immediately process the online account transfer (or virtual account) payment through a wireless payment means 1625. Preferably, the program code is stored, and the wireless payment program code is executed to perform a function of the wireless banking unit 1785 illustrated in the controller 1705.

According to an embodiment of the present invention, the memory unit 1770 is a wireless IC program based on the banking IC chip-based wireless banking function to immediately process the online account transfer (or virtual account) payment through the wireless payment means 1625. It is preferable to store the customer account information corresponding to the customer financial account used in the providing process, whereby the wireless payment program in the process of providing the financial IC chip-based wireless banking function in the wireless banking request information to the customer account The information is entered automatically.

According to another exemplary embodiment of the present invention, the customer account information is included in a wireless message received from the wireless messaging system on the Internet shopping system shown in FIG. 1, and / or the key input means is provided for the customer account information. In the case of inputting through the memory unit 1770, the memory unit 1770 may not store the customer account information, and thus the present invention is not limited thereto.

The IC chip reader unit 1750 is an IC chip-related functional configuration provided in the wireless payment means 1625 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (eg, wireless payment means ( And information and / or data exchange between the IC chip agent program included in 1625) and the financial IC chip mounted or detached from the wireless payment means 1625. For example, the IC chip reader unit 1750 provides information and / or data exchange between the IC chip agent program and the financial IC chip through an application protocol data unit (APDU).

Referring to the standards including ISO / IEC 7816 and / or ISO / IEC 14443, the financial IC chip mounted on or detached from the customer wireless terminal may include a power supply (VCC), a reset signal (RST), and a clock signal (CLK). An input / output interface for communicating with the IC chip reader unit 1750 (eg, exchanging commands or data) through contact points such as ground (GND), programming power supply (VPP), and / or input / output (I / O), A processor unit comprising at least one computing element including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), a random access memory (RAM) And at least one memory device including an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, and in particular, at least one memory device (eg, a ROM) Sleeping inside card A chip operating system (COS) that manages and operates a circle is stored. When a predetermined power is supplied from the IC chip reader unit 1750 through a power supply (VCC) contact point of the input / output interface, the memory is stored in the memory. The stored COS is loaded into a predetermined execution memory to control the overall operation of the financial IC chip, and is based on an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. It controls the exchange of information or data between the financial IC chip and the IC chip reader unit 1750 through.

According to the present invention, the IC chip storage information is stored in the memory of the financial IC chip to immediately process online account transfer (or virtual account) payment through the wireless payment means 1625, and the IC chip storage information. Is a data storage unit for storing a data set corresponding to predetermined information or data that is read and / or used by a processor included in a customer wireless terminal, and an arithmetic function of the processor unit and an instruction set provided by a COS. A program routine (e.g., a JAVA Applet in the case of Javacard) that interacts with the COS instruction set as driven or executed and operated by a processor included in the customer wireless terminal. A processing unit corresponding to an application including the calling code and the execution code processed by the processor unit In particular, the processing unit reads a command provided from the processor provided in the customer wireless terminal via the input and output interface through the APDU, at least one or more information stored in the data storage unit based on the read command Or reading or recording data, and providing the result or read information or data to a processor provided in the customer wireless terminal through the input / output interface through an APDU.

According to a preferred embodiment of the present invention, the memory of the financial IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory is protected to store secret information such as a chip serial number (CSN). Area, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The IC chip storage information for the present invention includes the protection area and the COS control. It is preferably stored in an area except the area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory includes at least one master file (MF) corresponding to a root file and at least one of the master files. Answer To Reset (ATR) including function information for the above stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for, IC chip storage information for the present invention also comprises the file structure as described above.

According to a preferred embodiment of the present invention, the IC chip storage information preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or a credit card ( Credit Card) Payment method, Debit Card payment method, Check Card (Check Card) payment means, Prepaid Card (Prepaid Card) payment means It comprises preferably at least one or more Do.

The camera unit 1760 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 1705. Characterized in that.

Referring to FIG. 17, the wireless payment means 1625 receives a wireless message including the wireless payment request information from the wireless messaging system illustrated in FIG. 1 through the wireless processing unit 1730. And reading the received wireless message to determine whether to request a financial IC chip-based wireless banking process to immediately process the online account transfer (or virtual account) payment through a wireless payment means 1625, and as a result of the checking, the wireless message. When it is confirmed that the request for the banking IC chip-based wireless banking to immediately process the online account transfer (or virtual account) through the wireless payment means 1625, the wireless payment program code recorded in the memory unit 1770 A message processing unit 1780 for loading the wireless banking unit 1785 for providing the financial IC chip-based wireless banking function When the wireless banking unit 1785 is loaded, the message processing unit 1780 is a wireless payment request information included in the wireless message on the wireless banking interface included in the wireless banking unit 1785. Payment information and / or account information (e.g., product seller financial account information, and / or virtual account information for payment) is characterized in that the automatic input.

The message receiving unit 1175 may include all wireless messages (eg, Short Message Service (SMS) and / or Multimedia Message Service (MMS), etc.) received by the wireless terminal through the wireless processing unit 1730. It characterized in that it provides a function for receiving, characterized in that for providing the received wireless message to the message processing unit 1780.

The message processing unit 1780 reads at least one or more wireless messages received through the message receiving unit 1175 such that the received message is used for wireless payment means 1625 to pay the online account transfer (or virtual account). It is characterized in that it is a wireless message requesting the banking IC chip-based wireless banking processing immediately.

According to an embodiment of the present invention, if the received wireless message is a wireless message requesting a financial IC chip-based wireless banking that immediately processes the online account transfer (or virtual account) payment through a wireless payment means 1625, the The wireless message preferably includes a predetermined teleservice ID corresponding to the financial IC chip-based wireless banking that immediately processes the online account transfer (or virtual account) payment through the wireless payment means 1625.

According to another exemplary embodiment of the present invention, the wireless message requesting the banking IC chip-based wireless banking for immediately processing the online bank transfer (or virtual account) payment through the wireless payment means 1625, may be used in addition to the teleservice ID. It may include a financial IC chip-based wireless banking identifier of the form, whereby the present invention is not limited.

If it is confirmed that the wireless message requests the financial IC chip-based wireless banking to immediately process the online account transfer (or virtual account) payment through the wireless payment means 1625, the message processing unit 1780 is the memory It is characterized in that by executing the wireless payment program code corresponding to the wireless banking unit (1785) for providing the financial IC chip-based wireless banking function from the unit (1770).

Technical features of the wireless payment program that provides at least one financial IC chip-based wireless banking service corresponding to the financial IC chip-based wireless banking function defined by each financial institution, if one of ordinary skill in the art. And, since you will be familiar with the wireless banking interface provided in the wireless payment program, a detailed description thereof will be omitted for convenience.

When the wireless payment program code is executed and the wireless banking unit 1785 is loaded, the wireless banking unit 1785 performs a validity authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input. In order to secure confidentiality, authentication, integrity, nonrepudiation, and the like for the financial IC chip-based wireless banking.

Those skilled in the art to which the present invention pertains, since the PIN will be familiar with the technical features to secure the confidentiality, authentication, integrity and non-repudiation of the financial IC chip, the detailed description thereof Is omitted for convenience.

When confidentiality, authentication, integrity and non-repudiation of the financial IC chip are secured in the wireless banking unit 1785, the message processing unit 1780 may deposit the payment amount information and the payment amount included in the wireless message. Extract account information (eg, merchandise seller financial account information, and / or virtual account information for payment), and wirelessly transmit the extracted payment amount information and account information to which the payment amount is to be deposited. Characterized in the automatic input to the banking interface.

According to an embodiment of the present invention, the wireless banking unit 1785 is provided with a function of inputting predetermined wireless banking authentication information for the wireless banking process in connection with the key input unit, wherein the wireless The banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password, etc.) corresponding to a financial transaction requested through the wireless banking request information, and / or a security code (eg, , A security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

According to an exemplary embodiment of the present invention, the wireless banking unit 1785 may include the customer account information, the payment amount information, and the account information to which the payment amount is to be deposited (for example, product seller financial account information, and / or virtual payment). Accounting information) and the wireless banking request information including the wireless banking authentication information.

According to an exemplary embodiment of the present invention, if the seller further includes product seller information (or Internet shopping mall information), the wireless banking unit 1785 may include the customer account information, the payment amount information, and the payment amount. Generating wireless banking request information including the account information (e.g., commodity seller financial account information and / or virtual account information for payment), commodity seller information (or Internet shopping mall information), and the wireless banking authentication information. It is preferable.

Those skilled in the art to which the present invention pertains, various embodiments of the wireless banking unit 1785 generates the wireless banking request information according to the financial IC chip-based wireless banking protocol defined with each financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the wireless banking request information is generated as described above, the wireless banking unit 1785 preferably performs an encryption function on the generated wireless banking request information, and the encryption function is secret key (or symmetric key) based encryption. And / or at least one of public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the financial IC chip-based wireless banking protocol, the wireless banking The unit 1785 may omit the function of encrypting the wireless banking request information, whereby the present invention is not limited.

Hereinafter, the wireless banking unit 1785 provides the bank to immediately process the online transfer (or virtual account) payment through the wireless payment means 1625 through the payment information and the account information that the payment amount will be deposited. The IC chip-based wireless banking function and the financial IC chip-based wireless banking procedure refer to the wireless banking process shown in FIG.

18 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates a wireless message for promptly processing the wire transfer (or virtual account) payment through a wireless payment means 1625 through a CDMA stack-based wireless communication network in the wireless messaging system shown in FIG. As a message structure for sending hierarchical messages, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this figure 18 to perform wireless messages (eg, multimedia messages) in addition to the short message. (Multimedia Message Service (MMS), etc.) will be understood the hierarchy of message structure for sending, and the present invention is not limited to the short message (SMS).

Referring to FIG. 18, the message structure for each layer for sending a wireless message includes a teleservice layer 1800, a relay layer 1805, a data link layer 1810, and a message structure. It is characterized in that it comprises a Physical Layer (1815).

According to the common knowledge in the technical field to which the present invention belongs, the wireless message is formed based on the DBM of IS-95-A, and the state of the wireless messaging system for sending the wireless message (Idle Mode, Traffic Mode, etc.). And / or a transmission channel for transmitting the wireless message is dynamically selected by the length of the user message 1900 and the like, and the present invention is not limited thereto.

The teleservice layer 1800 adds MESSAGE_ID to the front of a predetermined user data 1900 edited by the user who sends the wireless message, followed by an internal time (MC Time Stamp) of the message center. A priority indicator, a privacy indicator, an alert on delivery, and a language indicator are added to the delivery layer.

Here, the "internal time of the message center" and the "message arrival notification" are valid when the wireless message is received, and only the space for storing data is secured when the wireless message is transmitted.

The forwarding layer 1805 may include SMS_MSG_TYPE for recognizing that the wireless message is SMS data in front of data transmitted from the teleservice layer 1810, whether the data transmitted in the wireless message is a voice mailbox or a general message, and the like. A teleservice indicator for setting the same message attribute, an originating address, and a bearer reply option are added to the data link layer 1810.

According to an embodiment of the present invention, the teleservice identifier is input to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button) in the customer wireless payment means 1625 receiving the wireless message. Correspondingly, an identifier defined to drive a wireless payment program included in the customer wireless payment means 1625 is preferably included.

If the teleservice identifier includes an identifier defined to drive a wireless payment program included in the customer wireless payment means 1625, the user message 1900 may include a predetermined identifier (or payment information identifier) 1905. Payment information necessary for financial IC chip-based wireless banking in the driven wireless payment program in a message to be output to the customer wireless payment means 1625 through (e.g., payment amount information and account information to be deposited) Commodity seller financial account information, and / or virtual account information for payment, etc.) 1910.

The data link layer 1810 transmits data transmitted from the transport layer 1805 to a physical layer 1815 based on the DBM of the IS-95-A via a Um interface, and the physical layer 1815 is Data transmitted from the data link layer 1810 is added to the information center by the IS-95-A protocol and transmitted to the message center provided on the wireless communication network.

19 illustrates a wireless message structure sent by a wireless messaging system in accordance with an embodiment of the present invention.

In more detail, FIG. 19 illustrates a case in which a terminal message having a hierarchical message structure shown in FIG. 18 is transmitted using a DBM of a reverse traffic channel (RTC) in the calling radio terminal. Those skilled in the art will understand and refer to this figure 19 and / or modify this wireless message structure to correspond to other wireless messages (e.g. multimedia messages (MMS), etc.) in addition to the short message. The invention is by no means limited to the short message (SMS).

Referring to FIG. 19, a message using a DBM of a reverse traffic channel (RTC) includes a message structure corresponding to the DBM, a message structure corresponding to a teleservice identifier, and a destination address. A message structure corresponding to a message structure, a message structure corresponding to a bearer reply option, a message structure corresponding to a bearer data, a message structure corresponding to a message identifier, and a user message A message structure corresponding to User Data 1900, a message structure corresponding to a Priority Indicator, a message structure corresponding to a Language Indicator, and a Call Back Nunber. Characterized in that it comprises a message structure.

According to an embodiment of the present invention, the teleservice identifier is input to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button) in the customer wireless payment means 1625 receiving the wireless message. Correspondingly, an identifier defined to drive a wireless payment program included in the customer wireless payment means 1625 is preferably included.

If the teleservice identifier includes an identifier defined to drive a wireless payment program included in the customer wireless payment means 1625, the user message 1900 may include a predetermined identifier (or payment information identifier) 1905. Payment information necessary for financial IC chip-based wireless banking in the driven wireless payment program in a message to be output to the customer wireless payment means 1625 through (e.g., payment amount information and account information to be deposited) , Product seller financial account information, and / or virtual account information for payment, etc.) 1910.

For example, in the embodiment shown in FIG. 19, the delimiter (or payment information identifier) 1905 is "", the payment information 1910 is "0035000 | 123456789012", and "0035000" in the payment information is Mean that the payment amount is 35,000 won, "|" The following number "123456789012" corresponds to account information (eg, product seller financial account information, and / or virtual account information for payment).

Those skilled in the art to which the present invention pertains correspond to the radio message structure corresponding to the layered message structure shown in FIG. 18 and the DBM of the reverse traffic channel (RTC) shown in FIG. Since each message structure information will be clearly understood, a detailed description thereof will be omitted for convenience.

In FIG. 19, the teleservice identifier determines a method of processing the message, and the receiving side communication number includes a telephone number of a customer wireless payment means 1625 that receives and processes the message, and the user message 1900. ) Includes at least one user input data to be transmitted to the customer wireless payment means 1625, the language identifier includes a language encoding scheme (eg, lang = 254 is Korean) of the user message 1900, and The callback number comprises a radio terminal telephone number corresponding to the wireless messaging system sending the message.

20A, 20B, and 20C illustrate a process of immediately processing a wire transfer (or virtual account) payment through a wireless payment means 1625 according to another embodiment of the present invention.

20A, 20B, and 20C show that the wireless payment means 1625 shown in FIG. 17 wirelessly transfers payment (or virtual account) payment from the wireless messaging system on the Internet shopping system shown in FIG. After receiving a wireless message to be processed immediately through the payment means 1625, and based on the wireless message for the process of the instant payment processing through the financial IC chip-based wireless banking system shown in Figure 16, the present invention Those skilled in the art may refer to and / or modify the drawings 20a, 20b, and 20c to immediately process the wire transfer (or virtual account) payment through the wireless payment means 1625. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIGS. 20A, 20B and 20C It is not limited.

Referring to FIGS. 20A, 20B, and 20C, the wireless payment means 1625 shown in FIG. 17 performs wireless payment of an account transfer (or virtual account) payment from a wireless messaging system on the Internet shopping system shown in FIG. After receiving the wireless message for processing immediately through the means 1625, outputting the message information contained in the wireless message, and whether the payment by the wire transfer (or virtual account) payment immediately through the wireless payment means 1625 Check whether or not (2000).

According to an embodiment of the present invention, the wireless message received to immediately process the wire transfer (or virtual account) payment through the wireless payment means 1625 from the wireless messaging system on the Internet shopping system shown in Figure 1, As shown in FIG. 18 and / or 19, a teleservice identifier for driving a wireless payment program included in the wireless payment means 1625 is preferably included.

If the wireless payment means 1625 is confirmed to immediately process the wire transfer (or virtual account) payment through the wireless payment means 1625 (e.g., a "call" button is clicked or a "confirmation" button is clicked). (2004), the wireless payment means 1625 drives the wireless payment program through wireless payment program driving information (eg, a teleservice identifier included in the wireless message) included in the wireless message (2008), If it is confirmed that the wireless payment program is driven (2012), the wireless payment means 1625 performs a validity authentication procedure for the financial IC chip through the wireless payment program (2016).

According to an exemplary embodiment of the present invention, the wireless payment program included in the wireless payment means 1625 performs a validity authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input, thereby providing the financial information. It secures confidentiality, authentication, integrity, and nonrepudiation for IC chip-based wireless banking.

Those skilled in the art to which the present invention pertains, since the PIN will be familiar with the technical features to secure the confidentiality, authentication, integrity and non-repudiation of the financial IC chip, the detailed description thereof Is omitted for convenience.

If the validity of the financial IC chip is not authenticated (2020), the wireless payment means 1625 outputs predetermined financial IC chip validity error information (2024), and wirelessly transfers the account transfer (or virtual account) payment. The process of immediately processing through the payment means 1625 ends.

On the other hand, if the validity of the financial IC chip is authenticated (2020), the wireless payment means 1625 outputs the operation screen of the wireless payment program to the financial IC chip-based wireless payment screen (2028), the financial IC chip The customer account information is extracted from the user account and automatically inputs the customer account information to the wireless banking interface provided in the driven wireless payment program (2032).

Thereafter, the wireless payment means 1625 may include payment amount information and account information (eg, product seller financial account information, and / or virtual account for payment) included in the wireless message on a wireless banking interface provided in the wireless payment program. Information, etc.) and automatically input the product seller information (or the Internet shopping mall information) to the wireless banking interface included in the wireless payment program when the wireless message further includes the product seller information (or the Internet shopping mall information). Automatically enter (2036).

When the automatic input process is completed, the wireless payment means 1625 checks whether at least one wireless payment authentication information is input through a predetermined key input means (2040).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking. And / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (2044), the wireless payment means 1625 is the customer account information, payment amount information, account information (eg, through the wireless payment program) Financial IC chip-based financial transactions (or account transfer) procedures are performed through the product seller financial account information, and / or virtual account information for payment), the product seller information (or Internet shopping mall information), and the wireless payment authentication information ( 2048).

Those skilled in the art will be familiar with the technical features of the method for performing the financial IC chip-based financial transaction procedure, and thus the detailed description thereof will be omitted for convenience.

If the financial IC chip-based financial transaction (or account transfer) procedure is completed (2052), the wireless payment method 1625 checks the validity of the financial IC chip-based wireless banking procedure through the wireless payment program ( 2056).

Here, the validation of the financial IC chip based wireless banking procedure may include checking whether at least one error occurs while the wireless payment program performs the financial IC chip based wireless banking procedure.

If the validity of the financial IC chip-based wireless banking procedure is not authenticated (2060), the wireless payment means 1625 outputs predetermined financial IC chip-based wireless banking validity error information (2064), and transfers the account. The process of immediately processing the payment (or the virtual account) through the wireless payment means 1625 ends.

On the other hand, if the validity of the financial IC chip-based wireless banking procedure is authenticated (2060), the wireless payment means 1625 generates predetermined wireless banking processing information including the financial IC chip-based financial transaction details (2068). .

According to an embodiment of the present invention, the wireless banking processing information may include information for synchronizing the ledger on the financial system through the financial IC chip and the wireless banking server 1600.

Those skilled in the art to which the present invention pertains, various embodiments of the wireless banking unit (1785) generates the wireless banking processing information according to the financial IC chip-based wireless banking protocol defined with each financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the wireless payment means 1625 performs an encryption function for the wireless banking processing information (2072), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / Or electronic envelope based encryption, and / or key exchange based encryption function.

According to another embodiment of the present invention,

If encryption of the wireless banking processing information is completed (2076), the wireless payment means 1625 transmits the wireless banking processing information to the wireless banking server 1600 via a wireless communication network to which the wireless terminal is connected. (2080).

The wireless banking server 1600 receiving the wireless banking processing information performs a decryption function on the encrypted wireless banking processing information (2084), and the decrypting function is secret key (or symmetric key) based decryption, and / or And at least one of public key based decryption, electronic envelope based decryption, and / or key exchange based decryption.

According to another exemplary embodiment of the present invention, if the encryption function for the wireless banking processing information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the financial IC chip-based wireless banking protocol, the wireless banking The unit 1785 may omit the function of encrypting the wireless banking processing information, and thus the present invention is not limited thereto.

If the decryption of the wireless banking processing information is completed (2088), the wireless banking server 1600 is stored in the ledger on the financial system in which the customer financial account corresponding to the customer account information included in the wireless banking processing information is opened. The financial transaction (or wire transfer) history included in the wireless banking processing information is recorded (92).

Those skilled in the art of the present invention will be familiar with the technical features of recording the financial transaction details in the ledger provided on each financial institution financial system, a detailed description thereof is omitted for convenience. do.

If the financial transaction history is recorded in the ledger provided on the financial system (2096), the wireless banking server 1600 generates ledger record result information corresponding to the wireless banking processing information in association with the financial system. 2097, the generated ledger recording result information is transmitted to the wireless payment means 1625 via the wireless communication network, and the Internet shopping server 100 on the Internet shopping system shown in FIG. In step 2098, the generated ledger recording result information is transmitted.

21 is a diagram illustrating a method of encrypting and transmitting wireless banking processing information by a symmetric key (or secret key) method in a wireless payment means 1625 according to an embodiment of the present invention.

More specifically, FIG. 21 is an embodiment of the present invention for encrypting and transmitting the wireless banking processing information by a symmetric key (or secret key) method in the wireless payment means 1625 equipped with the encryption function as shown in FIG. In the art to which the invention pertains, the wireless banking means 1625 in the wireless payment means 1625 on the wireless communication network in the symmetric key (or secret key) method by referring to and / or modified in this figure 21 Various implementation methods of encryption may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 21 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the financial IC chip provided in the wireless payment means 1625.

According to another embodiment of the present invention, the symmetric key (or secret key) is stored in the memory unit 1770 included in the wireless payment means 1625 in addition to the financial IC chip, and / or the wireless banking server 1600 It may be included in the interface screen provided to the wireless payment means 1625 from, and / or embedded in a communication program communicating with the wireless banking server 1600 on the wireless payment means 1625, The invention is not limited thereto.

Referring to FIG. 21, when predetermined wireless banking processing information including a predetermined financial IC chip-based financial transaction history is generated in the wireless banking unit 1785 of the wireless payment means 1625, the wireless banking unit 1785 reads a predetermined symmetric key (or secret key) for encrypting wireless banking processing information from the financial IC chip included in the wireless payment means 1625 (2105), and reads the read symmetric key (or secret). Key) to encrypt the wireless banking processing information (2110).

Here, the encryption function of the wireless banking unit 1785 is called E (Encryption), the symmetric key (or secret key) is k (key), the wireless banking processing information is P (Plaintext), and the symmetric key ( Alternatively, if the wireless banking processing information encrypted with a secret key) is C (Ciphertext), the encryption function of the wireless banking unit 1785 may be expressed by an expression such as "Ek (P) = C".

According to the embodiment of the present invention, the algorithm for the wireless banking unit 1785 encrypts the wireless banking processing information through the symmetric key (or secret key), SEED, DES (Data Encryption Standard), Triple-DES, At least one of Skipjack and International Data Encryption Algorithm (IDEA) is preferably included. Various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the wireless banking processing information is encrypted through the symmetric key (or the secret key) as described above, the wireless processing unit 1730 transmits the encrypted wireless banking processing information to the wireless banking server through a communication protocol defined on the wireless communication network. Transmit to 1600 (2115).

22 is a diagram illustrating a method of decrypting wireless banking processing information encrypted and received by a wireless banking server 1600 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 22 shows the symmetric key (or the wireless banking server 1600 as shown in FIG. 16) of the wireless banking processing information, which is encrypted and received from the wireless payment means 1625 having the encryption function as shown in FIG. A method for decrypting using a secret key) method, and the present invention has ordinary skill in the art to which the present invention pertains. Referring to FIG. 22 and / or modified, the wireless payment means 1625 on the wireless communication network Various implementation methods for decrypting the encrypted wireless banking processing information by a symmetric key (or secret key) method may be inferred, but the present invention includes all the inferred implementation methods, and according to the implementation method illustrated in FIG. It is not limited.

In this figure 22 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from a predetermined key management D / B (not shown) provided in the wireless banking server 1600, Key management D / B (not shown) is preferably stored in a predetermined database (not shown) in conjunction with the wireless banking server 1600, by which the present invention is not limited.

Referring to FIG. 22, when the encrypted wireless banking processing information is received by the information receiving unit 1605 of the wireless banking server 1600 through the wireless communication network (2200), the information receiving unit 1605 is a wireless banking server ( A predetermined symmetric key (or secret key) for decrypting the encrypted wireless banking processing information is extracted from a predetermined key management D / B (not shown) included in 1600 (2205), and the extracted symmetric key ( Or decrypts the encrypted wireless banking processing information through a secret key (2210).

Here, the decryption function of the information receiving unit 1605 is called D (Decryption), and the wireless banking processing information encrypted with the symmetric key (or secret key) with k (key) and the symmetric key (or secret key) is C. (Ciphertext) and the decrypted wireless banking processing information is P (Plaintext), the function of the information receiving unit 1605 to decrypt the encrypted wireless banking processing information is "Dk = P, or Dk (Ek (P )) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted wireless banking processing information by the information receiving unit 1605 through the symmetric key (or secret key) may include SEED, DES (Data Encryption Standard), Triple-DES. It is preferable to include at least one or more of, Skipjack, International Data Encryption Algorithm (IDEA), and various forms of decryption algorithm may be used, the decryption algorithm is the encryption algorithm used in the wireless payment means 1625 And the present invention is not limited by a specific decoding algorithm.

When the wireless banking processing information encrypted through the symmetric key (or the secret key) is decrypted as described above, the information receiving unit 1605 provides the decrypted wireless banking processing information to the banking processing unit to perform the wireless banking procedure according to the present invention. Process 2215 to perform.

FIG. 23 is a diagram illustrating a method for encrypting and transmitting wireless banking processing information in a public key infrastructure structure in a wireless payment means 1625 according to an embodiment of the present invention.

More specifically, FIG. 23 illustrates an embodiment of the present invention in which a wireless payment means 1625 having an encryption function as shown in FIG. 17 encrypts and transmits the wireless banking processing information in a public key infrastructure. Those skilled in the art may refer to and / or modify this drawing 23 to infer various implementation methods for encrypting the wireless banking processing information in a public key manner in a wireless payment means 1625 on the wireless communication network. As will be appreciated, the invention encompasses all of the inferred practice methods, and is not limited to the practice method shown in FIG.

In this figure 23 according to the embodiment of the present invention, the server-side public key is preferably read from the financial IC chip provided in the wireless payment means 1625.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the financial IC chip to the wireless payment means 1625, thereby limiting the present invention. Not.

Referring to FIG. 23, when the wireless banking unit 1785 of the wireless payment means 1625 generates predetermined wireless banking processing information including a predetermined financial IC chip-based financial transaction history (2300), the wireless banking unit In operation 1710, a predetermined server side public key for encrypting the wireless banking processing information is extracted from the financial IC chip, and the wireless banking processing information is encrypted using the extracted server side public key (2310). ).

Here, the encryption function of the wireless banking unit 1785 is referred to as E (Encryption), the server-side public key is k1 (key), the wireless banking processing information is encrypted with P (Plaintext), and the server-side public key. When the wireless banking processing information is referred to as C (Ciphertext), the encryption function of the wireless banking unit 1785 may be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the wireless banking processing information by the wireless banking unit 1785 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature). Algorithm, DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of encryption algorithms may be used, but in a specific encryption algorithm The present invention is not limited by this.

For example, in the case of encrypting the wireless banking processing information through the RSA encryption algorithm among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the wireless banking unit 1785 may be expressed as" C = Ek1 (P) = Pe mod n ".

When the wireless banking processing information is encrypted through the server-side public key as described above, the wireless processing unit 1730 transmits the encrypted wireless banking processing information to the wireless banking server 1600 through a network component on the wireless communication network. (2315)

24 is a diagram illustrating a method of decrypting wireless banking processing information encrypted and received by a wireless banking server 1600 in a public key infrastructure according to an embodiment of the present invention.

* FIG. 24 shows the wireless banking process information received from the wireless payment means 1625 with the encryption function as shown in FIG. 17 based on the public key in the wireless banking server 1600 as shown in FIG. A method of decrypting in a structured manner, and if it is known to those skilled in the art to which the present invention pertains, the server side in the wireless payment means 1625 on the wireless communication network with reference to and / or modified with reference to FIG. Various implementation methods for decrypting the wireless banking processing information encrypted with the public key in a public key infrastructure scheme may be inferred, but the present invention includes all the inferred implementation methods and is limited to the implementation method shown in FIG. Not.

In FIG. 24 according to an embodiment of the present invention, the server-side private key for decrypting the wireless banking processing information encrypted with the server-side public key in a public key infrastructure scheme is a predetermined key provided in the wireless banking server 1600. It is preferable to read from the management D / B (not shown), and the predetermined key management D / B (not shown) is preferably stored in a predetermined database (not shown) in association with the wireless banking server 1600. The present invention is not limited thereby.

Referring to FIG. 24, when encrypted wireless banking processing information is received from the information receiving unit 1605 of the wireless banking server 1600 through the wireless communication network (2400), the information receiving unit 1605 is a wireless banking server 1600. Extracts a server-side private key for decrypting the encrypted wireless banking processing information from a predetermined key management D / B (not shown) included in (2405), and encrypts the encrypted server through the extracted server-side private key. The wireless banking processing information is decoded (2410).

Here, the decryption function of the information receiver 1605 is referred to as D (Decryption), the server-side private key is k2 (key), and the wireless banking processing information encrypted with the server-side public key is C (Ciphertext) and the server. If the wireless banking processing information decrypted by the side private key is P (Plaintext), the function of the information receiving unit 1605 to decrypt the encrypted wireless banking processing information is "Dk2 = P, or Dk2 (Ek (P)) = It can be expressed by an expression such as "P".

According to an embodiment of the present invention, the algorithm for decrypting the wireless banking processing information encrypted by the server-side public key in the wireless payment means 1625 through the server-side private key is RSA (Ron Rivest). , Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. A decryption algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the wireless payment means 1625, and the present invention is not limited to a specific decryption algorithm.

For example, when the wireless banking processing information is decoded through an RSA decryption algorithm among the public key based decryption algorithms, the published method used in the decryption process is not disclosed by n and the different prime factors of n. If the prime is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the information receiving unit 1605 may be expressed as" P = Dk2 = Cd mod n ".

When the wireless banking processing information encrypted by the server-side public key is decrypted by the wireless payment means 1625 through the server-side private key, the information receiving unit 1605 sends the decrypted wireless banking processing information to the banking processing unit. By providing a process to perform a wireless banking procedure according to the present invention (2415).

FIG. 25 is a diagram illustrating a method of encrypting and transmitting wireless banking processing information by an electronic envelope method in a wireless payment means 1625 according to an embodiment of the present invention.

More specifically, FIG. 25 is an embodiment of the present invention for encrypting and transmitting the wireless banking processing information by an electronic envelope method in a wireless payment means 1625 equipped with an encryption function as shown in FIG. 17. In the art, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing of FIG. 25 to encrypt the wireless banking processing information in an electronic envelope method in the wireless payment means 1625 on the wireless communication network. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 25 according to the embodiment of the present invention, the server-side public key is preferably read from the financial IC chip provided in the wireless payment means 1625.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the financial IC chip to the wireless payment means 1625, thereby limiting the present invention. Not.

Referring to FIG. 25, when the wireless banking unit 1785 of the wireless payment unit 1625 generates predetermined wireless banking processing information including a predetermined financial IC chip-based financial transaction history (2500), the wireless banking unit In operation 1785, a predetermined random secret key for encrypting the wireless banking processing information using a secret key (symmetric key) method is generated (2505), and the generated secret key is used. The wireless banking processing information is encrypted (2510).

Herein, the encryption function of the wireless banking unit 1785 is called E (Encryption), the secret key is r (random secret key), the wireless banking processing information is P (Plaintext), and the wireless banking encrypted with the secret key. When the processing information is referred to as C (Ciphertext), the encryption function of the wireless banking unit 1785 may be expressed by a formula such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the wireless banking processing information by the wireless banking unit 1785 using the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International). It is preferable to include at least one or more of Data Encryption Algorithm, and in addition, various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

Thereafter, the wireless banking unit 1785 encrypts the secret key (random secret key) used to encrypt the wireless banking processing information. For this purpose, the wireless banking unit 1785 uses a predetermined server side from the financial IC chip. The public key is extracted (2515), and the secret key is encrypted using the server-side public key (2520).

Here, the encryption function of the wireless banking unit 1785 is called E (Encryption), the server-side public key is encrypted with k1 (key), the secret key is r (random Secret key), and the server-side public key. When the secret key is C (Ciphertext), the encryption function of the wireless banking unit 1785 may be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the wireless banking unit 1785 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless banking unit 1785 may be expressed as" C = Ek1 (r) = re mod n ".

If the wireless banking processing information is encrypted with the secret key, and the secret key is encrypted with the server-side public key, the wireless banking unit 1785 uses the wireless banking processing information and the server-side public key encrypted with the secret key. Generate and provide transaction data associated with an encrypted secret key to the wireless processing unit 1730 (2525), and the wireless processing unit 1730 provides the transaction data to the wireless banking server 1600 through a network component on a wireless communication network. In operation 2530.

FIG. 26 is a diagram illustrating a method for decrypting wireless banking processing information encrypted and received by a wireless banking server 1600 in an electronic envelope method according to an embodiment of the present invention.

In more detail, FIG. 26 illustrates a process in which the wireless banking server 1600 as shown in FIG. 16 receives transaction data including encrypted wireless banking processing information from a wireless payment means 1625 having an encryption function as shown in FIG. The present invention relates to a method of decrypting transaction data by an electronic envelope method. If the present invention has a general knowledge, the wireless payment means 1625 on the wireless communication network will be described with reference to and / or modified with reference to FIG. In various embodiments of the present invention, it is possible to infer various embodiments of decrypting the transaction data encrypted by the electronic envelope method using the same electronic envelope method. However, the present invention includes all the inferred implementation methods. It is not limited.

In FIG. 26 according to the embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is read from a predetermined key management D / B (not shown) provided in the wireless banking server 1600. Preferably, the predetermined key management D / B (not shown) is preferably stored in a predetermined database (not shown) interworking with the wireless banking server 1600, whereby the present invention is not limited thereto.

Referring to FIG. 26, when predetermined transaction data including encrypted wireless banking processing information is received by the information receiver 1605 of the wireless banking server 1600 (2600), the information receiver ( 1605 extracts a server-side private key for decrypting an encrypted secret key included in the transaction data from a predetermined key management D / B (not shown) included in the wireless banking server 1600 (2605). By decrypting the secret key encrypted by the server-side public key in the wireless payment means 1625 through the extracted server-side private key (2610), a predetermined secret key for decrypting the wireless banking processing information is extracted (2615). By decrypting the wireless banking processing information using the extracted secret key (2620), the wireless banking processing information encrypted by the secret key is added by the wireless payment means 1625. And (2625).

Here, the decryption function of the information receiving unit 1605 is referred to as D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server-side individual. When the secret key decrypted with the key is r (random secret key), the function of decrypting the encrypted secret key by the information receiving unit 1605 is "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as an expression.

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the wireless payment means 1625 through the server-side private key is RSA (Ron Rivest, Adi). Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding algorithms May be used, the decryption algorithm is matched with the encryption algorithm used in the wireless payment means 1625, and the present invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 1605 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the information receiver 1605 is referred to as D (Decryption), the secret key is r (random secret key), the wireless banking processing information encrypted with the secret key (C (Ciphertext)), and the decryption. When the wireless banking processing information is called P (Plaintext), the function of the information receiving unit 1605 to decrypt the encrypted wireless banking processing information is "Dr = P, or Dr (Er (P)) = P". It can be expressed as an expression.

According to the method of the present invention, the algorithm for decrypting the encrypted wireless banking processing information by the information receiving unit 1605 through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably comprises at least one or more, and may be used in addition to a variety of decryption algorithms, the decryption algorithm is matched with the encryption algorithm used in the wireless payment means 1625 The present invention is not limited to the specific decoding algorithm.

When the wireless banking processing information is decoded as described above, the information receiver 1605 processes the wireless banking procedure according to the present invention by providing the decoded wireless banking processing information to the banking processing unit (2630).

27A and 27B illustrate a method of encrypting and transmitting wireless banking processing information by a key exchange method in a wireless payment means 1625 according to an embodiment of the present invention.

More specifically, Figure 27a and Figure 27b is a method for encrypting and transmitting the wireless banking processing information by a key exchange method in a wireless payment means 1625 equipped with an encryption function as shown in Figure 17, to which the invention belongs Those skilled in the art may refer to and / or modify this drawing 27 to infer various implementation methods for encrypting the wireless banking processing information in a key exchange method in a wireless payment means 1625 on the wireless communication network. As will be appreciated, the present invention encompasses all of the inferred practice methods, and is not limited to the practice method shown in FIG.

In the figure 27 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are preferably read from the financial IC chip provided in the wireless payment means 1625.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the financial IC chip to the wireless payment means 1625, and The present invention is not limited by this.

Referring to FIGS. 27A and 27B, when predetermined wireless banking processing information including a predetermined financial IC chip-based financial transaction history is generated in the wireless banking unit 1785 of the wireless payment means 1625 (2700), The wireless banking unit 1785 includes a predetermined one-way hash function for the wireless banking processing information (eg, a message digest including a hash code having a predetermined length regardless of the length of the wireless banking processing information). And a one-way hash function that cannot verify (or infer) the original message via the hash code (or message digest) .The wireless payment means 1625 and the wireless banking server 1600 are identical. Using a hash function) to generate a predetermined message digest (2705), and digitally sign the message digest by encrypting the message digest with the terminal-side private key (2710).

The encryption function of the wireless banking unit 1785 is called E (Encryption), the terminal side private key is t1 (28erminal side key), the message digest is m (message digest), and the terminal side private key is encrypted. If the message digest is referred to as C (Ciphertext), the digital signature function of the wireless banking unit 1785 may be expressed by a formula such as "Et1 (m) = C".

According to an embodiment of the present invention, the algorithm for encrypting the message digest by the wireless banking unit 1785 using the terminal-side private key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). ), DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more. The present invention is not limited.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the digital signature function of the wireless banking unit 1785 may be expressed as" C = Et1 (m) = me mod n ".

In addition, the wireless banking unit 1785 generates a predetermined random secret key for encrypting the wireless banking processing information using a secret key (symmetric key) method (2715), and the wireless banking The message digest encrypted with the terminal-side private key and a copy of a certificate (for example, a certificate including a terminal-side public key) included in the financial IC chip are linked to each other and encrypted through the generated secret key (2720). .

Herein, the encryption function of the wireless banking unit 1785 is called E (Encryption), the secret key is r (random secret key), the wireless banking processing information and the copy of the certificate is encrypted with P (Plaintext) and the secret key. If the wireless banking processing information and the copy of the certificate are referred to as C (Ciphertext), the encryption function of the wireless banking unit 1785 may be expressed by an equation such as "Er (P) = C".

According to the embodiment of the present invention, the algorithm for encrypting the wireless banking processing information and the copy of the certificate through the secret key by the wireless banking unit 1785 includes SEED, DES (Data Encryption Standard), Triple-DES, and Skipjack. It is preferable to include at least one or more of an International Data Encryption Algorithm (IDEA), and various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

In addition, the wireless banking unit 1785 extracts a predetermined server-side public key from the financial IC chip to encrypt the secret key that encrypts the wireless banking processing information (2725), and uses the server-side public key. In step 2730, the secret key encrypting the wireless banking processing information is encrypted.

Here, the encryption function of the wireless banking unit 1785 is referred to as E (Encryption), the server side public key is referred to as s1 (server side key), the secret key as r (random secret key), and the server side public key. When the encrypted secret key is referred to as C (Ciphertext), the encryption function of the wireless banking unit 1785 may be expressed by an expression such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the wireless banking unit 1785 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless banking unit 1785 may be expressed as" C = Es1 (r) = re mod n ".

The wireless banking processing information, the message digest encrypted with the terminal-side private key, and a copy of a certificate including the terminal-side public key are linked to each other and encrypted through the generated secret key, and the secret key is used to store the server-side public key. When encrypted through the wireless banking unit 1785, the server side copies a certificate including the wireless terminal processing information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key. Generates predetermined transaction data in association with a secret key encrypted with a public key, provides the generated transaction data to the wireless processing unit 1730 (2735), and the wireless processing unit 1730 provides the transaction data on a wireless communication network. It transmits to the wireless banking server 1600 through a network component (2740).

FIG. 28 is a diagram illustrating a method of decrypting wireless banking processing information encrypted and received by a wireless banking server 1600 in a key exchange method according to an embodiment of the present invention.

In more detail, FIG. 28 illustrates a process in which a wireless banking server 1600 as shown in FIG. 16 receives transaction data including encrypted wireless banking processing information from a wireless payment means 1625 having an encryption function as shown in FIG. The present invention relates to a method of decrypting transaction data by a key exchange method. If the present invention is in the art, the wireless payment means 1625 on the wireless communication network will be described with reference to FIG. In the present invention, various implementation methods for decrypting the transaction data encrypted by the key exchange scheme may be inferred by the same key exchange scheme, but the present invention includes all the inferred implementation methods, and according to the implementation method illustrated in FIG. It is not limited.

In FIG. 28 according to an embodiment of the present invention, a server-side private key and a terminal-side public key for decrypting the transaction data in a key exchange method are provided with a predetermined key management D / B (e.g., provided in the wireless banking server 1600). (Not shown), and a predetermined key management D / B (not shown) is preferably stored in a predetermined database (not shown) in association with the wireless banking server 1600, whereby the present invention This is not limited.

Referring to FIG. 28, the information receiving unit 1605 of the wireless banking server 1600 receives transaction data including the wireless banking processing information encrypted through the wireless communication network (2800). And a copy of a certificate including the message digest and the terminal-side public key encrypted with the wireless banking processing information encrypted with the secret key and the terminal-side private key, and / or received via a communication protocol defined in a communication network. And the secret key encrypted with the server-side public key.

Thereafter, the information receiver 1605 extracts the server-side private key from a predetermined key management D / B (not shown) provided in the wireless banking server 1600 to decrypt the secret key encrypted with the server-side public key. And copying a certificate including the message digest and the terminal-side public key encrypted with the wireless banking processing information and the terminal-side private key (2815) by decrypting the secret key through the server-side private key (2815). The secret key for decryption is extracted (2820).

Here, the decryption function of the information receiving unit 1605 is called D (Decryption), the server side private key is s2 (server side key), the server side public key is encrypted with C (Ciphertext), and the server If the secret key decrypted with the side private key is r (random secret key), the function of the information receiving unit 1605 to decrypt the encrypted secret key is "Ds2 = r, or Ds2 (Es1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the wireless payment means 1625 through the server-side private key is RSA (Ron Rivest, Adi). Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding algorithms May be used, the decryption algorithm is matched with the encryption algorithm used in the wireless payment means 1625, and the present invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the information receiving unit 1605 can be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the information receiving unit 1605 includes the message digest and the terminal side public key encrypted with the wireless banking processing information and the terminal side private key using the extracted secret key. By decrypting the copy (2825), a certificate copy including the wireless banking processing information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the information receiving unit 1605 is referred to as D (Decryption), the secret key is r (random secret key), the wireless banking processing information encrypted with the secret key and the message digest encrypted with the terminal-side private key. And a copy of the certificate including the terminal-side public key C (Ciphertext), and a copy of the certificate including the message digest and the terminal-side public key encrypted with the decrypted wireless banking processing information and the terminal-side private key P ( Plaintext), the information receiving unit 1605 decrypts a copy of the certificate including the encrypted wireless banking processing information and the terminal-side private key encrypted with the terminal-side private key. , Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the information receiving unit 1605 may copy a certificate including the message digest and the terminal-side public key encrypted with the encrypted wireless banking processing information and the terminal-side private key through the secret key. The decryption algorithm may include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. The decryption algorithm is matched with the encryption algorithm used in the wireless payment means 1625, and the present invention is not limited to the specific decryption algorithm.

In addition, the information receiving unit 1605 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (2830), and generates and transmits the wireless banking process information from the wireless banking means 1625. One message digest is extracted (2835).

Here, the decryption function of the information receiving unit 1605 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the terminal. If the message digest decrypted with the side public key is m (Message Digest), the function of decrypting the encrypted message digest by the information receiving unit 1605 is "Dt2 = m, or Dt2 (Es1 (r)) = m"; The same formula can be used.

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the wireless payment means 1625 with the terminal-side private key through the terminal-side public key is RSA (Ron Rivest, Adi). Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding algorithms May be used, the decryption algorithm is matched with the encryption algorithm used in the wireless payment means 1625, and the present invention is not limited by a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 1605 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the information receiver 1605 generates the predetermined message digest through the received one-way hash function of the received wireless banking processing information (2840), and then generates the generated message digest and the message digest. By comparing the decrypted message digest (2845), the validity of the received wireless banking processing information is verified.

If the generated message digest and the decrypted message digest coincide (2850), the information receiver 1605 processes the wireless banking procedure according to the present invention by providing the wireless banking processing information to the banking processor. (2855).

According to the present invention, the conventional non-face-to-face banking method, which has a lot of user input information and is inconvenient, such as conventional internet banking and / or wireless banking and / or phone banking, when escrow payment is made through wire transfer (or virtual account) in an internet shopping mall, or Instead of using a face-to-face banking method such as bank transfer payment, which requires a visit to a bank window, a customer wireless payment method equipped with a VM (Virtual MAchine) based wireless payment function is provided through a wireless message including payment information corresponding to the Internet shopping. Through the account transfer (or virtual account) based payment has the advantage of convenient processing immediately.

According to the present invention, when escrow payment through an account transfer (or virtual account) in an Internet shopping mall, a conventional non-face-to-face banking method with a lot of user input information and inconvenience, such as conventional Internet banking and / or wireless banking and / or phone banking, or Instead of using a face-to-face banking method such as depositing a bank account, etc., which requires a visit to a bank window, the customer can use the wireless IC chip-based wireless payment function through a wireless message including payment information corresponding to the Internet shopping. Direct payment (or virtual account) -based payments have the advantage of convenient processing immediately.

Claims (2)

Information receiving means for receiving the payment information and the customer information from the product sales server to the mobile payment server when the customer selects the mobile payment; Information transmitting means for transmitting a payment request message (or data) to the customer wireless terminal based on the received information; When the customer wireless terminal runs a predetermined payment processing program based on the payment request message (or data) and performs a payment processing corresponding to the payment request through the driven payment processing program, the customer wireless Payment processing means for withdrawing a payment amount from the customer account in response to a payment processing through a terminal and depositing the withdrawn money into a virtual account generated in response to the payment processing; And And escrow service providing means for transferring the amount of money deposited in the virtual account to the merchandise sales server or a merchandise seller account after the customer is provided with the payment target product. system. The method of claim 1, And a virtual account generating means for generating a virtual account for providing an escrow service corresponding to the payment processing.

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