KR20080052540A - System for operating ic card - Google Patents

Abstract

A system for operating an IC card is provided to increase convenience and offer various kinds of additional services through a spare space of a financial IC card by infinitely increasing the quantity of information to be stored in the financial IC card, as a payment tool stored in the financial IC card is stored in a ledger. A ledger database(530) stores a plurality of payment tool information by including or connecting with a payment tool ID when the payment tool information linked with a financial IC card of a customer is stored by linking with customer information and customer IC card information. An information registration server(500) receives request information of predetermined payment tool information from an ATM(Automated Teller Machine) verifying the IC card, checks/extracts the payment tool information, which includes or connects with the payment tool ID requested from the ATM, by linking with the ledger database, and transmits the extracted payment tool information to the ATM when the customer requests the payment tool information through the ATM.

Description

IC card operating system {System for Operating IC Card}

1 is a diagram showing a conventional financial IC card structure.

2 is a diagram illustrating a financial transaction (or electronic payment) process using a conventional financial IC card.

3 is a diagram illustrating a financial transaction (or electronic payment) system for operating a financial IC card according to the present invention.

4A, 4B, and 4C illustrate a ledger information structure including a financial means (payment means) identifier (or a division value) according to one embodiment of the present invention.

5 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to an exemplary embodiment of the present invention.

6A and 6B are diagrams illustrating ledger-based financial IC card storage information according to an embodiment of the present invention.

7A and 7B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

8 is a view showing a ledger-based financial IC card issuing process according to another embodiment of the present invention.

9 is a diagram illustrating a ledger-based financial IC card operating system according to an embodiment of the present invention.

10 is a diagram illustrating a functional configuration of an IC card terminal for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

11 is a diagram illustrating an operation process of an IC card terminal for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

12 is a diagram illustrating an operation process of a ledger server for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 13 is a view illustrating an operation process of an IC card terminal for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

14 is a diagram illustrating an operation process of a ledger server for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

15 is a view illustrating an operation process of an IC card terminal for completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

16 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to another embodiment of the present invention.

17A and 17B are diagrams illustrating ledger-based financial IC card storage information according to an embodiment of the present invention.

18A and 18B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

19 is a view showing a ledger-based financial IC card issuing process according to another embodiment of the present invention.

20 is a diagram illustrating a ledger-based financial IC card operating system according to an embodiment of the present invention.

21 is a diagram illustrating a functional configuration of an IC card terminal for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

22 is a diagram illustrating an operation process of an IC card terminal for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating an operation process of a ledger server for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

24 is a diagram illustrating an operation process of an IC card terminal for financial transaction (or electronic payment) processing using a ledger-based financial IC card according to an embodiment of the present invention.

25 is a diagram illustrating an operation process of a ledger server for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

FIG. 26 illustrates an operation of an IC card terminal for completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

<Description of main parts of drawing>

300: IC card terminal 500: information registration server

510: information receiving unit 515: information checking unit

520: information generating unit 525: information storage unit

900: ledger server 910: information receiving unit

915: information transmission unit 920: information confirmation unit

925: information extraction unit 930: financial trading unit

According to the present invention, the first financial transaction (or payment) means connected to the customer's IC card to the Nth (N = 2,3, .N) financial transaction (or payment) means information is the customer information and customer IC card information And a ledger database for storing and linking with and storing a financial transaction (or payment) means identifier (or a distinct value) for identifying each piece of information in the plurality of financial transaction (or payment) means information when the data is processed in association with and stored therein; When the customer requests specific financial transaction (or payment) means information through the automated device using the IC card, request information of the specific financial transaction (or payment) means information from the automated device that has verified the validity of the IC card. Receiving and in connection with the ledger database (or ledger database management means), a financial transaction linked to or including a specific financial transaction (or payment) means identifier (or a distinct value) requested by the automated device. The present invention relates to an IC card operating system including a server for identifying and extracting information on a payment means (or payment) and transmitting the extracted financial transaction (or payment) information to the automated device.

Cash and / or debit cards and / or credit cards and / or check cards and / or electronic accounts and / or issues issued to customers by financial institutions due to the development of information and communication technologies in the field of financial settlement and the need for advanced security. A financial IC which electronically finances a financial means (or payment means) including at least one electronic money or the like and is provided in a financial means file (for example, one dedicated file and at least one element file) on a predetermined integrated chip (IC) chip. The card has been commercialized, and a preferred embodiment of the financial IC card is shown in FIG.

1 is a diagram showing a conventional financial IC card structure.

In general, the financial IC card is achieved by producing the financial means storage information including at least one or more of the cash card, credit card, electronic bank account, electronic money, etc. in the form of a card application to the predetermined IC card, domestic case The financial IC card follows the financial IC card standard.

Referring to FIG. 1 according to the financial IC card structure conforming to the financial IC card standard, the financial instrument storage information is provided in a card application area provided in a memory unit on the IC chip, and the card application area is a root file ( A master file (MF) corresponding to a root file, at least one dedicated file (DF) classified according to smart card service and application, and data and / or data for a smart card service It is composed of an element file (EF) for storing information and the like.

In general, the master file is a file having a root level authority among the dedicated files, and all files on the IC card file structure corresponding to the card application area can be accessed via the master file. A file including at least one or more information for providing a smart card service and information on an element file disposed below it, wherein the storage information for providing an independent smart card service on the IC card file structure is at least one. The element file is a file including at least one information and / or data for providing a smart card service, and the storage file for providing an independent smart card service on the IC card file structure. Contains at least one element file.

For example, in the IC card file structure as shown in FIG. 1, the master file exists at the top (= root) of all dedicated files and / or element files, and the card terminal device passes through a series of security modules and at least one dedicated file and / or To access the element file, it must pass through the master file.

Further, at least one dedicated file and an element file for providing at least one smart card service provided through a smart card are disposed below the master file, wherein at least one of the dedicated files includes directory information. After that, the remaining dedicated files and element files are arranged on the IC card file structure according to the type and feature of the smart card service provided by the smart card.

Therefore, a financial means (or payment) including at least one of a cash card and / or debit card and / or credit card and / or check card and / or electronic account and / or electronic money issued to a customer by a predetermined financial institution Means for storing the financial instrument) consists of a functional group such as at least one dedicated file and / or at least one element file disposed below it. For example, when a smart card service provider is granted access rights to the smart card from a card issuing authority, it means that the smart card service provider is authorized to access at least one dedicated file, an element file, and the like on the smart file structure.

According to an embodiment of the present invention, an IC card file structure includes at least one dedicated file (e.g., credit, debit, financial common network, electronic money, signature certificate, key distribution certificate, etc.) for each smart card service, and the like. At least one element file or the like disposed below is already stored in each smart card service storage information in a functional group.

2 illustrates a financial transaction (or electronic payment) process using a conventional financial IC card.

In general, since a financial IC card operates based on a high degree of security, after a transaction history inquiry, a distance information input, and a transaction information processing occur between the IC card and the IC card terminal, the transaction history is stored in a predetermined server (eg, It is done after the pre-transaction synchronization to synchronize with the financial server, payment server, etc.).

Referring to FIG. 2, the customer (or IC card terminal operator) inserts the financial IC card into an IC card reader provided in a predetermined IC card terminal for a financial transaction (or electronic payment) using the financial IC card. Thereafter, by inputting a predetermined PIN through a PIN (Personal Identification Number) pad provided in the IC card terminal, the confidentiality, authentication, integrity and nonrepudiation of the financial IC card. To validate).

When the validity of the financial IC card is authenticated (and / or after the validity authentication, a financial transaction (or electronic payment) is selected through the financial means provided in the financial IC card), the IC card terminal is connected to the financial IC card. Request the at least one financial instrument information provided in the financial IC card, and the financial IC card provides the requested financial instrument information to the IC card terminal.

Thereafter, the IC card terminal selects financial instrument information for a predetermined financial transaction (or electronic payment) from the financial instrument information, and selects a predetermined financial transaction for financial transaction (or electronic settlement) using the financial instrument information. Or electronic payment) information.

When the financial transaction (or electronic payment) information is input, the IC card terminal uses the financial IC card for a predetermined financial transaction (or electronic payment) financial means corresponding to the financial means (or electronic payment) target financial means information. Upon requesting the information, the IC card extracts the requested financial means information for the financial transaction (or electronic payment) and provides the information to the IC card terminal.

The IC card terminal provided with the financial means information for the financial transaction (or electronic payment) includes a predetermined financial transaction (or electronic payment) information including the financial means information for the financial transaction (or electronic payment) and the financial transaction (or electronic payment) information. The electronic payment) message is generated, and the generated financial transaction (or electronic payment) message is transmitted to a predetermined server (eg, a financial server or a payment server).

Thereafter, the server performs a predetermined financial transaction (or electronic settlement) procedure based on the financial transaction (or electronic settlement) telegram, thereby requesting a financial transaction (or electronic settlement) requested through the financial transaction (or electronic settlement) telegram. ), Generate a predetermined transaction history (or payment history) full text corresponding to the financial transaction (or electronic payment), and then transmit the generated transaction history (or payment history) full text to the IC card terminal. .

The IC card terminal receiving the transaction history (or payment history) message is updated based on the transaction history (or payment history) included in the transaction history (or payment history) message. By generating information and updating the transaction history (or payment history) of the IC card through the transaction history (or payment history) update information, a predetermined financial transaction (or electronic payment) using the IC card is completed.

The IC card-based financial transaction (or electronic payment) of the synchronization method after the pre-transaction has the advantage of utilizing the high security of the IC card, while at least one or more financial transactions (or electronic payment) through the IC card. ) Is added, it is inconvenient to mount a card application corresponding to the added financial transaction (or electronic payment) to the IC card, and the IC card to mount a high capacity memory for additional card application There is a problem that the production cost rises.

The present invention is derived to solve the above problems, the first financial transaction (or payment) means connected to the customer's IC card to the N (N = 2, 3, ... N) financial transactions (or payment The financial transaction (or payment) means identifier (or a distinct value) for identifying each piece of information in the plurality of financial transaction (or payment) means information when the means information is stored in association with the customer information and the customer IC card information. ) Is stored in the ledger database and stores the information, and when the customer requests the specific financial transaction (or payment) means information through the automated device using the IC card, it is specified from the automated device that authenticates the validity of the IC card. Receive request information of financial transaction (or payment) means information, and in connection with the ledger database (or ledger database management means), a specific financial transaction (or decision) requested by the automated device. IC including a server for identifying and extracting financial transaction (or payment) means information to which the means identifier (or a distinct value) is linked or included, and transmitting the extracted financial transaction (or payment) means information to the automated device. To provide a card operating system.

In the IC card operating system according to the present invention, the first financial transaction (or payment) means to N (N = 2,3, .. N) financial transaction (or payment) means information connected to the customer's IC card is recalled. Link and store financial transaction (or payment) means identifiers (or distinct values) for identifying each piece of information on the plurality of financial transaction (or payment) means information when the data is stored in connection with customer information and customer IC card information. And a ledger database for storing and storing a specific financial transaction (or payment) from an automated device that authenticates the validity of the IC card when the customer requests specific financial transaction (or payment) means information through the automated device using the IC card. Receive request information of payment means information, and in connection with the ledger database (or ledger database management means), a specific financial transaction (or payment) means identifier (or Bungap) a confirmation and extracts the link or an embedded financial transactions (or payment) method information, and the extracted financial transactions (or payment) information unit characterized in that comprises a server that is transferred to the automation device.

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

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

In 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 examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

3 is a diagram illustrating a financial transaction (or electronic payment) system for operating a financial IC card according to the present invention.

In more detail, Figure 3 is a method for implementing a financial transaction (or electronic payment) system for operating a financial IC card operating based on the ledger provided on the financial system, which is commonly known in the art Persons having the above may infer various financial transaction (or electronic payment) systems for operating a financial IC card operating on the basis of the ledger by referring to and / or modifying the drawing 3, but the present invention is inferred from all It includes an implementation method and is not limited to the financial system shown in FIG.

Referring to FIG. 3, various financial transaction (or electronic payment) systems for operating a financial IC card may include information about a predetermined financial IC card possessed by a customer and at least one financial means (or payment means) from the IC card. The IC card terminal 300 to be read out, and the server and / or financial system is connected to the IC card terminal 300 through a communication network.

The IC card terminal 300 may be a counter terminal (for example, an attractive IC card terminal 300 used by a teller at each branch of a financial institution) and / or a CD / ATM ( For example, a wired terminal comprising at least one unmanned IC card terminal 300 provided at a branch of a financial institution (and / or a place affiliated with a financial institution), and / or having a predetermined IC card reader. (Not shown, a personal computer used by a customer, a laptop, etc.) or at least one, and / or a wireless terminal having a predetermined IC card reader (or mounting or detaching a predetermined IC chip) (not shown) A payment terminal (e.g., a merchant) that includes at least one or more of a code division multiple access (CDMA) based mobile phone, an IEEE 802.16x based mobile Internet terminal, etc. used by a customer, and / or has a predetermined IC card reader.Home appliance terminals comprising at least one non-credited credit authorization terminal (CAT), direct debit terminal, etc.) and / or having a predetermined IC card reader (e.g., a home appliance having a bidirectional communication function) (TV, refrigerator, ... etc.)) is preferably included.

According to an embodiment of the present invention, the IC card terminal 300 is a server (eg, a financial server or a payment) corresponding to at least one or more financial means (or payment means) included in the financial IC card through a predetermined communication network. Server) and / or a communication system corresponding to at least one or more financial means (or payment means) provided in the financial IC card through a predetermined communication network.

Here, the server (e.g., a financial server or a payment server) is provided in the financial system, and / or in an external system provided as part of the old-world elements provided in the financial system, and / or associated with the financial system. It is possible to provide all, by which the present invention is not limited.

A server (eg, a financial server or a payment server) connected to the IC card terminal 300 through a predetermined communication network is connected to the financial system through at least one or more financial means (or payment means) included in the financial IC card. A server for processing a predetermined financial transaction (or electronic payment) in association with a device, the server being provided in the financial system and / or provided as part of an old book element provided in the financial system, and / or linked with the financial system. Anything that can be provided in an external system is possible, by which the present invention is not limited.

According to an embodiment of the present invention, the server (eg, a financial server or a payment server) is connected to at least one IC card terminal 300 through a predetermined communication network, and the IC card terminal 300 is connected to the financial institution. The teller terminal (e.g., an attractive IC card terminal 300 used by the teller of each branch of a financial institution) and / or a CD / ATM (e.g., a branch of a financial institution (and / or financial) In the case of including an unmanned IC card terminal 300 provided in a place affiliated with an institution, the IC card terminal 300 is a predetermined financial network (eg, when the IC card terminal 300 is a teller terminal). A financial network including a network, and when the IC card terminal 300 is a CD / ATM, a financial network including a bank network and / or a CD / ATM network according to a location where the CD / ATM is provided; It is preferable to be in communication with a server, and / or the IC card terminal 300 is provided with a predetermined IC. When including a wired terminal (not shown, a personal computer used by a customer, a laptop, etc.) having a card reader, the IC card terminal 300 is preferably connected to the server via a predetermined wired communication network, and And / or a wireless terminal (not shown, a CDMA (Code Division Multiple Access) -based cellular phone used by a customer) provided with the IC card terminal 300 (or mounted or detached from a predetermined IC chip). The IC card terminal 300 is communicatively connected with the server through a predetermined wireless communication network including the CDMA based mobile communication network and / or the IEEE 802.16x based mobile internet. And / or a payment terminal (eg, a credit authorization terminal (CAT) provided at an affiliated store) equipped with a predetermined IC card reader, and a direct debit payment. If they include the end and the like), the IC card terminal 300 is a predetermined value-added network (Value Added Network; It is preferable to be connected to the server through the VAN, the IC card terminal 300 is a home appliance terminal having a predetermined IC card reader (for example, a home appliance having a bidirectional communication function (TV, refrigerator, .. Etc.), the IC card terminal 300 is preferably connected to the server via a predetermined wired or wireless communication network.

In various financial transaction (or electronic payment) systems for the operation of the financial IC card, the financial system opens at least one financial account to at least one or more customers, and processes a financial transaction based on the financial account. It is a computer system provided in financial institutions, which includes accounting systems that handle banking services such as credits, receiving or trusts or foreign exchanges occurring in at least one branch, and information systems that process headquarters operations, store information support, and customer information management. And a variety of electronic financial services (e.g., Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), other exchanges) by connecting to the external computer network including the financial system and homes, businesses, stores and card companies. Call centers, financial settlements, etc.) and the interface between components within the financial system. Interface module corresponding to the middleware platform that provides data, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks). And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), The present invention is not limited by this.

According to an embodiment of the present invention, a financial institution equipped with the financial system may open and / or operate a predetermined financial account, such as a commercial bank, a savings bank, a securities company, and issue a predetermined financial IC card corresponding thereto. It is desirable to include all financial institutions, and is not limited to specific financial institutions.

According to the present invention, the DBMS provided in the financial system includes at least one ledger including at least one of a customer ledger, a reception ledger, a loan ledger, a mortgage ledger, and at least one information associated with the ledger in a relational manner. It is characterized in that the storage, and the ledger and / or ledger-related information stored in the DBMS is referred to as ledger information for convenience, the storage means for storing the ledger information on the DBMS is called ledger D / B.

According to the implementation method of the present invention, it is preferable that a customer's financial account is opened in the financial system, and a predetermined bank account is issued to the customer to manage the financial account, wherein the bank account is a conventional paper account, or It can be issued in the form of an electronic bankbook provided in the conventional financial IC card as shown in Figure 1, or in the form of a ledger-based electronic bankbook according to the present invention.

In addition, the financial IC card is provided with a predetermined financial means (or payment means) including at least one predetermined cash card and / or debit card and / or credit card and / or check card associated with the financial account Preferably, the financial means (or payment means) is issued in the form of an electronic bank account provided in the conventional financial IC card as shown in Figure 1, or all issued in the form of a ledger-based electronic bank account according to the present invention It is possible.

In addition, the financial IC card is preferably provided with a predetermined financial means (or payment means) including a predetermined prepaid card and / or electronic money, the financial means (or payment means) is shown in Figure 1 It may be issued in the form of an electronic bankbook provided in the conventional financial IC card, or in the form of a ledger-based electronic bankbook according to the present invention.

According to an embodiment of the present invention, the financial system is connected to at least one IC card terminal 300 through a predetermined communication network, wherein the IC card terminal 300 is provided at a branch (or branch) of the financial institution. It is provided at a counter terminal (e.g., an attractive IC card terminal 300 used by a counter employee at each branch of a financial institution) and / or a CD / ATM (e.g., a branch of a financial institution (and / or a place affiliated with a financial institution). In the case of including an unmanned IC card terminal 300, the IC card terminal 300 is a predetermined financial network (for example, when the IC card terminal 300 is a teller terminal, the financial network including the current network, the IC When the card terminal 300 is a CD / ATM, it is preferable that the card terminal 300 is connected to the financial system through a banking network and / or a financial network including a CD / ATM network according to the location where the CD / ATM is provided. And / or the IC card terminal 300 has a predetermined IC card reader. In the case of including a front terminal (not shown, a personal computer used by a customer, a laptop, etc.), the IC card terminal 300 is preferably connected to the financial system via a predetermined wired communication network, and / or the IC A wireless terminal (not shown, a CDMA (Code Division Multiple Access) -based mobile phone used by a customer) in which the card terminal 300 has a predetermined IC card reader (or mounts or detaches a predetermined IC chip reader), and an IEEE 802.16x based portable device. Internet terminal, etc.), the IC card terminal 300 is preferably connected to the financial system via a predetermined wireless communication network including the CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet. And / or a payment terminal (eg, a credit authorization terminal (CAT), a direct debit terminal, etc., provided in an affiliated store) in which the IC card terminal 300 is provided with a predetermined IC card reader). If it does, the IC card terminal 300 is a predetermined value-added network (Value Added Network; It is preferable to be communicatively connected to the financial system through a VAN, and the IC card terminal 300 is a home appliance terminal having a predetermined IC card reader (eg, a home appliance (TV, refrigerator,. ... Etc.), the IC card terminal 300 is preferably connected to the financial system through a predetermined wired or wireless communication network.

4A, 4B, and 4C illustrate a ledger information structure including a financial means (or payment means) identifier (or a division value) according to one embodiment of the present invention.

In more detail, FIGS. 4A, 4B, and 4C show an account opened to the customer when a ledger-based financial IC card according to the present invention is issued to the customer when opening a customer financial account according to a predetermined financial account opening procedure. The structure of the ledger information that connects or includes a predetermined financial means (or payment means) identifier (or a distinct value) to an account ledger (or receiving ledger) corresponding to The present invention relates to a method of implementing a ledger-based financial IC card service according to the present invention in a ledger including a predetermined financial instrument (or payment means) identifier (or a distinct value), and FIG. 4b shows the ledger D / B. The predetermined bank account management information associated with the ledger of the bank includes a predetermined financial means (or payment means) identifier (or a distinct value) for providing the ledger-based financial IC card service according to the present invention. 4c includes a predetermined financial means (or payment means) identifier (or a distinct value) for providing a ledger-based financial IC card service according to the present invention to the account ledger of the ledger D / B. The present invention relates to an implementation method of linking and processing financial IC card identification information.

4A, 4B, and 4C, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an “account ledger”), and at least one associated with the account ledger. It includes information, if the person of ordinary skill in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system includes at least one ledger (for example, loan ledger, And / or at least one additional information for maintaining and managing the ledgers will also be clearly understood, and the specific technical details thereof will be understood. Description is omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains, the present invention by referring to and / or modified to the present drawings 4a, 4b and 4c without departing from the essential technical matters of the present invention. Various implementation methods for providing the ledger-based financial IC card service according to the present invention may be inferred, but the present invention includes all the implementation methods inferred, and is limited to the implementation methods shown in FIGS. 4A, 4B, and 4C. Not.

Hereinafter, in the illustrated embodiment, the financial means (or payment means) identifier (or division value) is referred to as a "financial means (or payment means) identifier" for convenience.

4A, 4B, and 4C, the customer ledger includes a customer information file (CIF) number, a country code, a contact ID, a sales office number, a customer classification, a customer name, a customer address, a regional identification code, a telephone number, and a business place. No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 4A, a predetermined financial means (e.g., an account ledger corresponding to a customer financial account opened to a customer) associated with the customer ledger for providing a ledger-based financial IC card service according to the present invention ( Or a payment means) identifier.

According to an embodiment of the present invention, the financial means (or payment means) identifier is a financial IC card issuance confirmation flag (for example, issuing to the customer) for identifying whether the ledger-based financial IC card according to the present invention has been issued to the customer. TRUE, if the financial IC card includes at least one financial means (or payment means) associated with the financial account corresponding to the ledger, TRUE.Financial means corresponding to the ledger on the financial IC card issued to the customer In the case where the figure does not include the payment means, FALSE) is preferably included. Thus, when the financial transaction is performed through the ledger-based financial IC card according to the present invention, the account ledger from the predetermined IC card terminal 300 is If a full text including financial means (or payment means) information corresponding to the message is received, the corresponding information is issued through the financial IC card issuance confirmation flag. Now it is possible to easily determine whether Ledger-based financial IC card is issued in accordance with the present invention.

According to another exemplary embodiment of the present invention, the financial means (or payment means) identifier may include IC card specific information associated with the financial IC card, thereby making a ledger-based financial IC card according to the present invention. In the case of a financial transaction through the IC card terminal 300, when a full message including the IC card unique information is received, the IC card issued to the customer based on the IC card unique information is ledger-based finance according to the present invention. It can be easily confirmed that it is linked with the IC card.

Here, the IC card unique information may include a chip serial number of the financial IC card, or may include at least one key value (or hash code) included in the financial IC card, thereby providing the present invention. This is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the financial means (or payment means) identifier may include the financial IC card identification information provided in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4a to include the financial instrument (or payment instrument) identifier in another ledger including the customer ledger in addition to the account ledger. It will be possible to infer an implementation method, and the present invention includes all the inferred implementation methods.

Referring to Figure 4b, in order to provide a ledger-based financial IC card service according to the present invention to the predetermined account book management information linked to the account ledger (for example, the account ledger corresponding to the customer financial account opened to the customer) And a predetermined financial means (or payment means) identifier.

In FIG. 4B, the bank account management information basically includes at least one or more of an account number, a CIF number, a bank account number, an issue date, and a bank account balance, and a predetermined financial means (or payment method) identifier in the information structure. It is preferable that is provided.

According to another exemplary embodiment of the present invention, the predetermined bankbook management information linked to the account ledger is the financial means (or payment means) identifier only, with the account number, CIF number, bank account number, issue date, and bank account balance omitted. It is possible to include, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial means (or payment means) identifier is a financial IC card issuance confirmation flag (for example, issuing to the customer) for identifying whether the ledger-based financial IC card according to the present invention has been issued to the customer. TRUE, when the financial IC card includes at least one financial means (or payment means) corresponding to the ledger, TRUE.The financial means (or payment means) corresponding to the account ledger on the financial IC card issued to the customer Is not included, it is preferably made, including FALSE, thereby, in the financial transaction through the ledger-based financial IC card according to the present invention, the financial means corresponding to the account ledger from a predetermined IC card terminal 300 (Or payment means) when the full message containing the information is received, according to the present invention to the customer through the financial IC card issuance confirmation flag It can easily see that the President-based financial IC card is issued.

According to another exemplary embodiment of the present invention, the financial means (or payment means) identifier may include the financial IC card unique information, whereby when the financial transaction through the ledger-based financial IC card according to the present invention, When a full-text message including the IC card unique information is received from a predetermined IC card terminal 300, the IC card issued to the customer based on the IC card unique information is associated with the ledger-based financial IC card according to the present invention. It can be confirmed easily.

Here, the IC card unique information may be made by including the chip serial number of the financial IC card, or may include at least one or more key values (or hash codes) included in the IC card. It is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the financial means (or payment means) identifier may include the financial IC card identification information provided in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, cash card management information and / or debit card linked to the account ledger (or customer ledger) in addition to the bank account management information by referring to and / or modified in this figure 4b It is possible to infer an implementation method including the financial means (or payment means) identifier in management information and / or credit card management information and / or check card management information and / or electronic bank account management information and / or electronic money management information. The present invention comprises all the inferred method of implementation.

Referring to FIG. 4C, in order to provide a ledger-based financial IC card service according to the present invention, predetermined financial IC card identification information including a predetermined financial means (or payment means) identifier is provided to the account ledger (for example, a customer). And an account ledger corresponding to the opened customer financial account.

In FIG. 4C, the financial IC card identification information basically includes an account number, a CIF number, and a predetermined financial means (or payment means) identifier. May be omitted.

According to an embodiment of the present invention, the financial means (or payment means) identifier is a financial IC card issuance confirmation flag (for example, issuing to the customer) for identifying whether the ledger-based financial IC card according to the present invention has been issued to the customer. TRUE, when the financial IC card includes at least one financial means (or payment means) corresponding to the ledger, TRUE.The financial means (or payment means) corresponding to the account ledger on the financial IC card issued to the customer Is not included, it is preferably made, including FALSE, thereby, in the financial transaction through the ledger-based financial IC card according to the present invention, the financial means corresponding to the account ledger from a predetermined IC card terminal 300 (Or payment means) when the full message containing the information is received, according to the present invention to the customer through the financial IC card issuance confirmation flag It is easy to check whether another ledger-based financial IC card is issued.

According to another exemplary embodiment of the present invention, the financial means (or payment means) identifier may include the financial IC card unique information, whereby when the financial transaction through the ledger-based financial IC card according to the present invention, When a full-text message including the IC card unique information is received from a predetermined IC card terminal 300, the IC card issued to the customer based on the IC card unique information is associated with the ledger-based financial IC card according to the present invention. It can be easily confirmed that the presence.

Here, the IC card unique information may be made by including the chip serial number of the financial IC card, or may include at least one or more key values (or hash codes) included in the IC card. It is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the financial means (or payment means) identifier may include the financial IC card identification information provided in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

5 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, Figure 5 shows the opening of a new financial account to a customer visiting each branch of a financial institution, and / or a cash and / or debit card and / or a credit card and / or a check card and / or associated with the financial account. In the case of issuing a financial means (or payment means) including at least one electronic account and / or electronic money, the ledger base constituting the ledger information as in any one or more of the drawings 4a and / or 4b and / or 4c. For the financial IC card issuance and information registration system, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing to open a new financial account to a customer, and / or the financial account. Financial means comprising at least one cash card and / or debit card and / or credit card and / or check card and / or electronic bank account and / or electronic money associated with (and When issuing payment means), it is possible to infer various system configurations for issuing a ledger-based financial IC card according to the present invention and processing information registration thereof, but the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown in FIG.

Hereinafter, a server (or device) for processing issuance and information registration of a ledger-based financial IC card according to the present invention in connection with the teller terminal on the financial system is referred to as an "information registration server 500" for convenience.

The issuer-based financial IC card issuance and information registration system is provided at each branch of the financial institution, and is connected to a teller terminal used by a teller at the branch through a predetermined financial network. It comprises an information registration server 500 provided on the financial system, and the ledger D / B (530) that stores the ledger information corresponding to the financial account opened to the customer.

The teller terminal receives predetermined customer information, predetermined financial IC card issuing application information and / or financial means (or payment means) issuing application information from the customer for issuing the ledger-based financial IC card according to the present invention. And a function of transmitting the customer information, the application information for issuing the financial IC card and / or the application for issuing the financial means (or payment means) to the information registration server 500 through the financial network. Application information for issuing a financial means (or payment means) includes information for selecting whether to issue a conventional IC chip-based financial IC card or to issue a ledger-based financial IC card according to the present invention.

Here, issuing a ledger-based financial IC card according to the present invention includes connecting or including a predetermined financial means (or payment means) identifier to a predetermined ledger (or additional information associated with the ledger) corresponding to the financial account. When a predetermined IC card terminal 300 reads an IC card processed as having issued a financial IC card corresponding to the account and confirms its validity, a financial means (or payment means) identifier is set on the financial system. By transmitting the corresponding financial means (or payment means) information from the linked ledger to the IC card terminal 300, the financial means (or payment means) information is processed as if it were read from the financial IC card. will be.

According to one embodiment of the invention, the customer is a predetermined financial IC card issuance and / or financial means (or payment means) issuance application (for example, customer information items and financial IC card issuance application information items and financial means (or payment) Means) issuing the application form for the issue application information item) and submitting the application form for issuing the financial IC card and / or the means for issuing the financial instrument (or payment means) to the clerk. It is preferable to provide card issuing application information and financial means (or payment means) issuing application information to the counter terminal.

According to another embodiment of the present invention, the customer is a predetermined information input device (for example, a predetermined screen output device associated with the customer information input items and financial IC card issuance application information and financial means (or payment) Means) a terminal for outputting an information input interface screen including an issuing application information input item and providing the information input item corresponding to the information input interface to the window terminal for inputting predetermined information through a predetermined key input device; Through the customer information and the financial IC card issuing application information and financial means (or payment means) issuing application information can be input to provide to the window terminal, thereby the present invention is not limited.

Further, the teller terminal may be provided with an IC card reader for reading predetermined IC card specific information from the financial IC card and / or recording predetermined financial IC card identification information on the IC card according to another implementation method. It features.

According to the method of the present invention, the teller terminal reads predetermined IC card specific information from the financial IC card through the IC card reader, and the IC card unique information is used for the customer information and the financial IC card issuing application information and It is preferable to provide the information registration server 500 to the financial means (or payment means) issuance application information.

According to an embodiment of the present invention, the teller terminal receives predetermined financial IC card identification information from the information registration server 500, and stores IC card storage information of the IC card (for example, cash card storage) through the IC card reader. Information and / or debit card storage information and / or credit card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information).

Referring to FIG. 5, the information registration server 500 connects and manages at least one window terminal with the application information for issuing the financial IC card and the communication channel for issuing the financial IC card through a predetermined financial network 505. And an information receiving unit 510 for receiving predetermined customer information, financial IC card issuing application information, and financial means (or payment means) issuing application information from the window terminal in association with the interface unit 505, and the customer. An information generator 520 for generating at least one ledger information corresponding to the financial account opened to the customer based on the information and the application information for issuing the financial IC card and the application for issuing the financial means (or payment means); And at least one ledger information stored in the ledger D / B (530).

According to an embodiment of the present invention, in order to issue a ledger-based financial IC card according to an embodiment of the present invention to a customer in which the new financial account is opened, the information registration server 500 is the information receiving unit 510. An information checking unit 515 for checking whether to issue the ledger-based financial IC card according to the present invention by reading the application information for issuing the financial means (or payment means) received through the ledger-based ledger according to the present invention. When issuing a financial IC card, the information generating unit 520 preferably generates a financial means (or payment means) identifier to be processed in association with the ledger information, and / or the information receiving unit 510 is the window. It is preferable to receive a predetermined financial means (or payment means) identifier from the terminal.

According to the implementation method of the present invention, when the issuance of the ledger-based financial IC card according to the present invention is requested corresponding to the financial account, the information storage unit 525 generates the information. A financial means (or payment means) identifier (or received) identifier (or received) included in the ledger information, stored in the ledger D / B 530, and / or the generated (or received) identifier (or payment means) identifier It is characterized in that the stored in the ledger D / B (530) by processing in conjunction with the ledger information.

The interface unit 505 may include at least one or more window terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network), predetermined financial IC card issuance application information, and the present invention. And a predetermined communication channel for issuing the ledger-based financial IC card, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 505 with at least one window terminal is a communication channel connected between a financial system provided in the financial institution and at least one window terminal through a dedicated communication network. According to the method, it is preferable to include a transaction protocol for transmitting and receiving at least one or more full text corresponding to at least one or more financial services defined between the teller terminal and the information registration server 500, the transaction protocol ( And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or transaction) adopted by a specific financial system. Specialized structure corresponding to the protocol) The present invention will not limited.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 510 is connected with the interface unit 505 to receive predetermined customer information, financial IC card issuing application information and financial means (or payment means) issuing application information from the window terminal, The application for issuing the financial means (or payment means) preferably includes information for confirming whether the issuance of the ledger-based financial IC card according to the present invention is requested.

The information checking unit 515 checks whether to issue the ledger-based financial IC card according to the present invention by reading the application information for issuing the financial means (or payment means).

According to an exemplary embodiment of the present invention, when issuance of the ledger-based financial IC card according to the present invention is requested corresponding to the financial account, the information receiving unit 510 is the financial confirmation. And receiving the predetermined IC card specific information corresponding to the IC card, wherein the information storage unit 525 defines the received IC card unique information as the financial means (or payment means) identifier. It is included in the ledger information and stored in the ledger D / B 530, and / or the received financial means (or payment means) identifier is processed in association with the ledger information and stored in the ledger D / B 530. It is desirable to.

According to the method of the present invention, the IC card unique information is read out from the financial IC card issued to the customer through the IC card reader provided in the window terminal and the information receiving unit 510 through the interface unit 505. Is preferably received.

According to one embodiment of the present invention, the IC card unique information received from the teller terminal through the information receiving unit 510 is made by including the chip serial number of the financial IC card, or at least one included in the IC card. It is possible to include the above key value (or hash code), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when a predetermined official certificate is provided in the financial IC card, the unique information of the IC card includes the public certificate copy number and / or public key copy information included in the public certificate. Or when a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (for example, a credit card). Information, check card information, debit card information, cash card information, etc.), and when the IC card is provided with biometric information about the customer, the IC card unique information is stored in the It is possible to include biometric information, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the issuance of the ledger-based financial IC card according to the present invention is requested to correspond to the financial account, the information generating unit 520 is provided. And generating a predetermined financial means (or payment means) identifier, and the information storage unit 525 processes the generated financial means (or payment means) identifier in association with the ledger information to the ledger D / It is preferable to store in B (530).

6A and 6B illustrate the ledger-based financial IC card storage information according to the embodiment of the present invention.

More specifically, Figures 6a and 6b illustrate an implementation method for the IC card storage information stored in the IC card for the ledger-based financial IC card according to the present invention, having a general knowledge in the art Grown up, various IC card storage information for ledger-based financial IC card according to the present invention may be inferred by referring to and / or modifying the drawings 6A and 6B, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation methods shown in FIGS. 6A and 6B.

The IC card storage information may include at least cash card storage information and / or debit card storage information and / or credit card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information. It is preferable to include one or more, and may be predetermined ledger-based card storage information for confirming that the financial IC card is a ledger-based financial IC card according to the present invention, according to the intention of the skilled person, the present invention is not limited by this. No.

According to another exemplary embodiment of the present invention, the IC card storage information stored in the IC card for the ledger-based financial IC card according to the present invention may be conventional IC card storage information as shown in FIG.

That is, an IC chip-based financial IC card previously issued to the customer according to a conventional IC chip-based financial IC card issuing procedure is also provided in the account ledger as shown in FIGS. 4A and / or 4B and / or 4C. By including the financial means (or payment means) identifier and / or associated processing, it can be used as a ledger-based financial IC card according to the present invention irrespective of the IC card storage information stored in the IC chip.

According to another embodiment of the present invention, the conventional IC card storage information shown in FIG. 1 on the IC card for the ledger-based financial IC card according to the present invention is shown in FIG. 6A and / or FIG. 6B. IC card storage information may be omitted.

That is, even if the IC card storage information is not provided in the IC card, as shown in FIGS. 4A and / or 4B and / or 4C, a predetermined financial means (or payment means) identifier is included in the account ledger or , And / or the linkage process can be used as a ledger-based financial IC card according to the present invention irrespective of IC card storage information stored in the IC chip.

According to the present invention, the IC card storage information shown in FIGS. 6A and 6B is for confirming that the IC card is linked with the ledger-based financial IC card according to the present invention in a predetermined IC card terminal 300. It is characterized by providing a means, and may be omitted according to the intention of those skilled in the art, but is not limited thereto.

6A and 6B, an IC card for a ledger-based financial IC card according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrical It is connected to.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. The application area, the read / write access area, the application program area, and the FAT (File Allocation Table) management area, etc., wherein the IC card storage information for the present invention is stored in an area excluding the protection area and the COS control area. desirable.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about 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 substantial information and / or data for, the IC card storage information for the present invention also includes such a file structure.

Referring to Figure 6a, the IC card storage information comprises an information file for storing a predetermined serial number, the serial number of the IC card storage information is used as ledger-based financial IC card identification information according to the present invention It is preferable.

According to another embodiment of the present invention, the IC card storage information may be provided with the CIF number of the ledger corresponding to the financial IC card in addition to the IC card serial number, in which case the CIF number is ledger-based financial according to the present invention It can be used as IC card identification information, in addition to the intention of the skilled person various unique information is provided in the IC card storage information, can be used as ledger-based financial IC card identification information according to the present invention, thereby This is not limited.

In FIG. 6A, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (for example, credit card) is used as IC card unique information for providing a card, or if a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Information, check card information, debit card information, cash card information, etc.) is used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, or the I When the biometric information of the customer is provided in the C card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

Referring to FIG. 6B, the financial IC card has only a storage area in which predetermined IC card storage information can be stored, and null data is stored in the storage area (for example, the IC card storage information is stored in the storage area). Only the corresponding dedicated file exists, and the element file is not stored). In this case, the IC card terminal 300 is based on the existence of a storage area in which the IC card storage information can be stored in the IC card. It is possible to confirm whether the IC card is a ledger-based financial IC card according to the present invention.

In FIG. 6B, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (for example, credit card) is used as IC card unique information for providing a card, or if a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Information, check card information, debit card information, cash card information, etc.) is used as IC card specific information for providing the ledger-based financial IC card service according to the present invention, or the IC When the biometric information of the customer is provided on the card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, whereby the present invention is not limited thereto. No.

According to another embodiment of the present invention, the IC card storage information itself may be omitted (not shown) in the IC card, whereby the present invention is not limited.

When the IC card storage information itself is omitted in the IC card as described above, the chip serial number of the IC card and / or at least one key value (or hash code) included in the IC card are ledger-based finance according to the present invention. It is used as IC card unique information for providing an IC card service, or when a predetermined official certificate is provided in the IC card, the public certificate copy number and / or public key copy information included in the public certificate is displayed. When used as IC card specific information for providing a ledger-based financial IC card service according to the invention, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the IC card, The IC card for providing the ledger-based financial IC card service according to the present invention, the card information (eg credit card information, check card information, debit card information, cash card information, etc.) When the biometric information of the customer is used as the unique information or the IC card, the biometric information of the customer may be used as the IC card unique information for providing the ledger-based financial IC card service according to the present invention. The present invention is not limited thereby.

7A and 7B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, Figs. 7a and 7b further include the financial means (or payment means) identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. This is a process of linking and storing the ledger information (and / or financial means (or payment means) identifiers included in the ledger information). Specifically, FIG. 7A illustrates a predetermined financial means (for example, in the information registration server 500). Or a payment means) identifier, and FIG. 7b generates predetermined financial IC card verification information in the information registration server 500 and converts the financial IC card verification information into the financial means (or payment). Means) It is about the implementation method used as an identifier.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to correspond to financial accounts opened to the customer for issuing ledger-based financial IC cards according to the present invention. Infers various implementation methods that further include the financial means (or payment means) identifiers in the ledger information, and stores the ledger information (and / or financial means (or payment means) identifiers included in the ledger information) in association. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

7A and 7B, the information registration server 500 shown in Fig. 5 is referred to as " server " for convenience.

Referring to FIG. 7A, a customer prepares a predetermined financial account and prepares an application for issuing a financial IC card and provides it to a teller employee, thereby providing predetermined customer information, application information for issuing a financial IC card, and application for issuing a financial instrument (or payment method). Provided to the counter terminal, and / or inputs predetermined customer information, financial IC card issuance application information, and financial instrument (or payment means) issuance application information through a predetermined information input device and provides the same to the counter terminal (700a). .

The counter terminal receiving the customer information, the application information for issuing the financial IC card and the application for issuance of the financial means (or payment means) may receive the customer information, the application information for the issuance of the financial IC card and the financial means (or payment) through a predetermined financial network. Means) issuing application information is sent to the server (705a).

The server may include at least one ledger information (eg, finance) for opening a financial account to the customer based on the customer information received from the teller terminal, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means). At least one ledger for opening an account, and at least one or more additional information associated with each ledger as necessary) (710a).

In addition, the server reads the application information for issuing the financial means (or payment means), and confirms that issuance of a ledger-based financial IC card (and / or ledger-based financial means (or payment means)) according to the present invention is requested ( 715a).

If the check result is not requested from the customer issuing the ledger-based financial IC card according to the present invention (720a), the server performs a conventional IC chip-based financial IC card issuing and financial means (or payment means) issuing procedure ( 725a).

On the other hand, if the check result is requested from the customer to issue the ledger-based financial IC card according to the present invention (720a), the server is based on the customer information, financial IC card issuing application information and financial means (or payment means) issuance application information In operation 730a, a predetermined financial means (or payment means) identifier corresponding to the financial IC card to be issued to the customer is generated.

When the financial instrument (or payment instrument) identifier is extracted and / or generated as described above, the server assigns the financial instrument (or settlement instrument) identifier to the ledger information as shown in FIGS. 4A and / or 4B and / or 4C. After storing in association with or including (735a), the financial IC card issuance and financial means (or payment means) issuance result is transmitted to the window terminal through the financial network (740a).

Referring to FIG. 7B, a customer prepares a predetermined financial account and prepares an application for issuing a financial IC card, and provides the clerk with the predetermined customer information, application information for issuing a financial IC card, and application for issuing a financial instrument (or payment means). Provided to the counter terminal, and / or inputs predetermined customer information, application information for issuing a financial IC card, and application for issuing financial means (or payment means) through a predetermined information input device (700b). .

The counter terminal receiving the customer information, the application information for issuing the financial IC card and the application for issuance of the financial means (or payment means) may receive the customer information, the application information for the issuance of the financial IC card and the financial means (or payment) through a predetermined financial network. Means) issuing application information is sent to the server (705b).

The server may include at least one ledger information (eg, finance) for opening a financial account to the customer based on the customer information received from the teller terminal, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means). At least one ledger for opening an account and, if necessary, at least one or more additional information associated with each ledger is generated (710b).

In addition, the server reads the application information for issuing the financial means (or payment means), and confirms that issuance of a ledger-based financial IC card (and / or ledger-based financial means (or payment means)) according to the present invention is requested ( 715b).

If the check result is not requested from the customer issuing the ledger-based financial IC card according to the present invention (720b), the server performs a conventional IC chip-based financial IC card issuing and financial means (or payment means) issuing procedure ( 725b).

On the other hand, if the result of the check is requested to issue the ledger-based financial IC card according to the present invention from the customer (720b), the server generates the predetermined financial IC card identification information to be stored in the financial IC card (750b).

Thereafter, the server stores and stores the generated financial IC card identification information in the ledger information using the generated financial IC card identification information as a financial means (or payment means) identifier as shown in FIGS. 4A and / or 4B and / or 4C. 755b), the financial IC card confirmation information and the financial IC card issuance and financial means (or payment means) issuance result are transmitted to the counter terminal through the financial network (760b).

In addition, the IC card terminal 300 records the financial IC card identification information received through the financial network as IC card storage information of the IC card, thereby issuing the financial IC card to the customer (765b).

8 is a diagram illustrating a ledger-based financial IC card issuing process according to another embodiment of the present invention.

In more detail, Figure 8 uses the financial IC card unique information as a financial means (or payment means) identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. And a process of linking and storing the ledger information (and / or financial means (or payment means) identifiers included in the ledger information), and having ordinary skill in the art to which the present invention pertains. If the financial IC card (or payment means) is added to the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention with reference to and / or modified with reference to FIG. ) And the ledger information (and / or the financial instrument (or payment instrument) identifiers included in the ledger information). Would be able to infer the various exemplary method of the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the information registration server 500 shown in FIG. 5 is referred to as "server" for convenience.

Referring to FIG. 8, a customer prepares a predetermined financial account and fills out an application form for issuing a financial IC card, and provides it to a teller employee. Provided to the counter terminal, and / or inputs predetermined customer information, financial IC card issuance application information, and financial instrument (or payment means) issuance application information through a predetermined information input device and provides the same to the counter terminal (800). .

The teller terminal receiving the customer information, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means) issuing the ledger-based financial IC card from the financial IC card issued to the customer through a predetermined IC card reader. Read the predetermined IC card unique information for the (805), the customer information and financial IC card issuing application information and financial means (or payment means) issuance application information, and the read IC card unique through the predetermined financial network The information is transmitted to the server (810).

The server may include at least one ledger information (eg, finance) for opening a financial account to the customer based on the customer information received from the teller terminal, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means). At least one ledger for opening an account and, if necessary, at least one or more additional information associated with each ledger is generated (815).

In addition, the server reads the application information for issuing the financial means (or payment means), and confirms that issuance of a ledger-based financial IC card (and / or ledger-based financial means (or payment means)) according to the present invention is requested ( 820).

If the check result is not requested from the customer issuing the ledger-based financial IC card according to the present invention (825), the server is a conventional IC chip-based financial IC card issuance and financial means (or payment means) issuance procedure Perform 830.

On the other hand, if the check result is requested from the customer to issue the ledger-based financial IC card according to the present invention (825), the server uses the received IC card unique information as a financial means (or payment means) identifier according to the present invention 4A and / or 4B and / or 4C are included in the ledger information and stored in the ledger D / B (835), and the financial IC card issued and financed to the counter terminal through the financial network. The result of issuing means (or payment means) is transmitted (840).

9 illustrates a ledger-based financial IC card operating system according to an embodiment of the present invention.

In more detail, Figure 9 illustrates a customer who has issued a ledger-based financial IC card according to the present invention when using a predetermined IC card terminal 300 for a financial transaction (or electronic payment) based on the ledger-based financial IC card. The present invention relates to a ledger-based financial IC card operating system for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card, which is a person having ordinary knowledge in the technical field to which the present invention pertains. By referring to and / or modifying the system configuration for the ledger-based financial IC card operating system according to the present invention may be inferred, the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited by the method.

Hereinafter, a server (or device) for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card according to the present invention in connection with the IC card terminal 300 on the financial system for convenience. 900) ".

The ledger-based financial IC card operating system may be a terminal used by a teller at each branch of the financial institution, and / or a CD / ATM managed by the financial institution, and / or a payment terminal provided at a predetermined affiliated store, and / or An IC card terminal 300 including at least one wired terminal (not shown) and / or a wireless terminal (not shown) and / or a home appliance terminal equipped with a predetermined IC card reader used by a customer, and the IC card A terminal server 900 connected to the terminal 300 through a predetermined communication network and provided on the financial system of the financial institution, and at least one financial means (or payment means) associated with the financial account opened to the customer. And a ledger D / B 935 in which corresponding ledger information is stored.

Those skilled in the art to which the present invention pertains, the ledger server 900 and the ledger D / B shown in Figure 9 is outside the financial system provided in the financial institution according to the intention of those skilled in the art It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system, and the ledger server shown in FIG. 900 and / or ledger D / B 935 are merely one means for easily describing the technical features of the present invention.

In addition, those skilled in the art to which the present invention belongs, the ledger server 900 and the ledger D / B shown in Figure 9 of the financial system provided in the financial institution according to the intention of those skilled in the art It will be apparent that a predetermined online payment server (e.g., an internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment may be externally connected with the financial system. The ledger server 900 and / or ledger D / B 935 is merely one means for easily describing the technical features of the present invention.

The IC card terminal 300 is characterized in that it comprises a predetermined IC card reader for the financial transaction (or electronic payment) based on the ledger-based financial IC card according to the present invention, and also through the IC card reader Read predetermined IC card specific information (and / or financial IC card identification information) from the IC card associated with the ledger-based financial IC card according to the present invention, and identify the read IC card specific information (and / or financial IC card identification). Information) at least one or more financial means (or payment means) information corresponding to the ledger-based financial IC card among the ledger information stored in the ledger D / B from the ledger server 900 by transmitting the information) to the ledger server 900 And receiving a predetermined financial transaction through one of the financial means (or payment means) of the received at least one financial means (or payment means) information. And is characterized in that for processing the electronic payment), the preferred embodiment of this is described in detail through figures 11.

According to the exemplary embodiment of the present invention, when the IC card terminal 300 is inserted in the IC card reader and the IC card linked to the ledger-based financial IC card according to the present invention, the operation mode of the IC card terminal 300 Is switched to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card, and the operation mode of the IC card terminal 300 is set to the financial transaction (or In the electronic payment) mode, a confidentiality, authentication, or authentication of the financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card through a predetermined PIN), Authenticate validity including Integrity and Nonrepudiation, and if the validity is authenticated, predetermined IC card specific information (and / or financial IC card verification information) is read from the IC card, and By transmitting the read IC card unique information (and / or financial IC card identification information) to the ledger server 900, the ledger-based financial IC card of the ledger information stored in the ledger D / B from the ledger server 900 It is preferable to receive at least one financial means (or payment means) information corresponding to the.

According to another embodiment of the present invention, when the IC card terminal 300 is inserted into the IC card reader and the IC card linked to the ledger-based financial IC card according to the present invention, the financial IC card through a predetermined PIN (And / or authenticating validity including confidentiality, authentication, integrity, and non-repudiation of at least one financial means (or payment means) associated with the financial IC card, and if the validity is authenticated, the IC card terminal ( The operation mode of 300 is switched to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card, and the operation mode of the IC card terminal 300 Upon switching to the financial transaction (or electronic payment) mode, predetermined IC card unique information (and / or financial IC card identification information) is read from the IC card, and the read IC card unique information (and / or gold) is read. At least one or more financial means (or payment) corresponding to the ledger-based financial IC card among the ledger information stored in the ledger D / B from the ledger server 900 by transmitting the IC card identification information) to the ledger server 900. Means) preferably receiving the information.

The ledger D / B 935 corresponds to at least one ledger information corresponding to at least one financial means (or payment means) associated with a financial account opened to the customer as shown in FIGS. 4A and / or 4B and / or 4C. It is preferable to store the IC card unique information (and / or financial IC card identification information) including a financial means (or payment means) identifier including at least one.

Referring to FIG. 9, the ledger server 900 processes a financial transaction (or electronic payment) based on at least one IC card terminal 300 and a ledger-based financial IC card according to the present invention through a predetermined communication network. At least one IC card specific information (and / or financial IC card identification information) from the IC card terminal 300 through the interface unit 905 for connecting and managing a communication channel. IC card included in the information receiving unit 910 for receiving the full financial means (or payment means) information request message containing one or more, and the full financial means (or payment means) information request message received through the information receiving unit 910 An information checking unit for identifying at least one financial means (or payment means) corresponding to the ledger-based financial IC card in association with the ledger D / B 935 based on the information (and / or financial IC card identification information) ( 920 And at least one financial means (or payment means) corresponding to the ledger-based financial IC card as a result of the check by the information confirming unit 920, the ledger in association with the ledger D / B 935. An information extracting unit 925 for extracting at least one financial means (or payment means) information corresponding to the base financial IC card and a financial means (or information) including the extracted at least one financial means (or payment means) information; Payment means) is provided with an information transmission unit 915 for generating a full text information, and transmits the full text information means (or payment means) to the IC card terminal 300 through the interface unit 905. It is done.

According to the present invention, the information receiving unit 910, through the interface unit 905, the financial means (or payment means) information for a predetermined financial transaction (or electronic payment) from the IC card terminal 300 and predetermined financial Preferably, the method further includes receiving a financial transaction (or electronic payment) request full text including transaction (or electronic payment) information, and the financial transaction (or electronic payment) request full text is received through the information receiver 910. If it is, the ledger D based on the financial transaction (or payment method) information for the financial transaction (or electronic payment) included in the full financial transaction (or electronic payment) request and the predetermined financial transaction (or electronic payment) information. Finance processing a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) information for the financial transaction (or electronic payment) in connection with / B (935) deal Characterized in that further comprises a portion 930.

The interface unit 905 provides a predetermined communication channel for processing a financial transaction (or electronic payment) based on at least one IC card terminal 300 and a ledger-based financial IC card according to the present invention through a predetermined communication network. And maintain and manage the communication channel.

The communication channel connected and managed with the at least one IC card terminal 300 by the interface unit 905 is connected through a dedicated communication network between the financial system provided in the financial institution and the at least one IC card terminal 300. As a communication channel, according to an embodiment of the present invention, at least one or more full texts corresponding to at least one or more financial transaction (or electronic payment) tasks defined between the IC card terminal 300 and the ledger server 900 may be provided. It is preferable to include a transaction protocol for transmitting and receiving, wherein the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is a financial transaction (or electronic payment) business type of each financial institution and the platform constituting the financial system It can be defined and used in various ways according to the characteristics. Not exclusively the present invention by the call (and / or a specialized structure that corresponds to the transaction protocol).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 910 receives a full message including at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task from the IC card terminal 300 through the interface unit 905. And reading the received telegram on the basis of the telegram structure and extracting information of at least one director corresponding to each financial transaction (or electronic settlement) task from the read telegram.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction (or electronic payment) business, the address information of the IC card terminal 300 corresponding to the IC card terminal 300 and And / or at least one of the IC card terminal 300 ID information and / or the IC card terminal 300 manager (or operator) information.

According to another exemplary embodiment of the present invention, the information receiving unit 910 receives at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task from the IC card terminal 300 through the interface unit 905. Characterized in that it receives the traffic data comprising, it is possible to extract the information of at least one director corresponding to each financial transaction (or electronic payment) business by reading the header of the traffic data, whereby the present invention It is not limited.

Financial means (or the information receiving unit 910) includes at least one or more predetermined IC card specific information (and / or financial IC card identification information) from a predetermined IC card terminal 300 through the interface unit 905 (or In the case of receiving the full payment means information request message, the information receiving unit 910 extracts the IC card unique information (and / or financial IC card identification information) from the full financial means (or payment means) information request text. The identification unit 920 and / or information extraction unit 925, characterized in that the information verification unit 920 is ledger D based on the IC card unique information (and / or financial IC card identification information) / At least one financial means (or payment means) corresponding to the ledger-based financial IC card in conjunction with (935), the information extraction unit 925 is the IC card specific information (and / or financial) IC card confirmation information) In conjunction with georo ledger D / B (935) extracts at least one or more financial instruments (or payment method) information corresponding to the ledger based financial IC card.

The information checking unit 920 is ledger D based on the IC card specific information (and / or financial IC card identification information) included in the full text of the financial means (or payment means) information request received through the information receiving unit 910. By reading the ledger information stored in / B (935), the at least one financial means (or payment means) corresponding to the ledger-based financial IC card of the at least one financial means (or payment means) opened to the customer is identified Characterized in that.

According to an embodiment of the present invention, at least one financial means (or payment means) corresponding to the ledger-based financial IC card among at least one financial means (or payment means) opened to the customer is included in the ledger information. A predetermined financial means (or payment means) identifier including the IC card unique information (and / or financial IC card identification information) in the customer ledger and / or account ledger, and / or are stored in association with each other. Preferably, the information confirming unit 920 selects a financial means (or payment means) identifier provided in the ledger D / B 935 based on the IC card unique information (and / or financial IC card identification information). By confirming, at least one financial means (or payment means) corresponding to the ledger-based financial IC card of the at least one financial means (or payment means) opened to the customer You can check it.

When at least one financial means (or payment means) corresponding to the ledger-based financial IC card is confirmed by the information confirming unit 920, the information extracting unit 925 is determined from the ledger D / B 935. Account ledger (eg, the IC card unique information) which is identified as including a predetermined financial means (or payment means) identifier by the information verification unit 920 among at least one financial means (or payment means) opened to the customer. At least one or more financial means (or payment means) information corresponding to the ledger-based financial IC card, from an account ledger including a predetermined financial means (or payment means) identifier (and / or financial IC card identification information). It is characterized in that the extraction.

The information transmitting unit 915 includes predetermined financial means (or payment means) including at least one financial means (or payment means) information extracted from the ledger D / B 935 through the information extraction unit 925. Generate the full text information and transmit the generated financial means (or payment means) full text information to the IC card terminal 300 through the interface unit 905.

The IC card terminal 300 having received the financial means (or payment means) information text extracts at least one financial means (or payment means) information from the financial means (or payment means) information text, and extracts the extracted information. Outputs an interface screen for selecting a financial means (or payment means) for a predetermined financial transaction (or electronic payment) among at least one financial means (or payment means) corresponding to at least one financial means (or payment means) information; Through the interface screen, it is confirmed whether a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the interface screen, the IC card terminal 300 determines the financial means (or payment means) for the financial transaction (or electronic payment). ) Receives at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) business, and the financial means (or payment means) information and finance for the financial transaction (or electronic payment). A predetermined financial transaction (or electronic payment) request message including transaction (or electronic payment) information is generated and transmitted to the ledger server 900 through the financial network.

The information receiving unit 910 provided in the ledger server 900 is a financial means (or payment means) for a predetermined financial transaction (or electronic payment) from a predetermined IC card terminal 300 through the interface unit 905. When receiving a financial transaction (or electronic payment) request text including at least one information and financial transaction (or electronic payment) information, the information receiving unit 910 receives the financial information from the financial transaction (or electronic payment) request text. It is characterized in that the financial means (or payment means) information for the transaction (or electronic payment) and financial transaction (or electronic payment) information is extracted and provided to the financial transaction unit 930, the financial transaction unit 930 Is for the financial transaction (or electronic payment) in connection with the ledger D / B 935 based on the financial means (or payment means) information and the financial transaction (or electronic payment) information for the financial transaction (or electronic payment). Financial instrument (or payments) ) And via an information processing financial transactions (or e-payment) corresponding to the financial transaction (or e-payment) information.

The financial transaction unit 930 may include information on financial means (or payment means) for financial transactions (or electronic payments) included in the full text of the financial transaction (or electronic payment) request received through the information receiver 910 ( Or an account ledger corresponding to the ledger information stored in the ledger D / B 935 (eg, a financial transaction (or electronic settlement)) based on the electronic payment) information and the account ledger. A financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) for the financial transaction (or electronic payment) using at least one or more ledgers and / or ledger related information). It is characterized by processing).

According to an embodiment of the present invention, the financial transaction (or electronic payment) information corresponds to financial transaction (or electronic payment) information corresponding to a receiving service, financial transaction (or electronic payment) information corresponding to a credit service, and foreign exchange service. It is preferable to include at least one or more financial transaction (or electronic payment) information, financial transaction (or electronic payment) information corresponding to the investment business, and if the person of ordinary skill in the art Since you will clearly understand the financial transaction (or electronic payment) information corresponding to the financial services of the company, the detailed description thereof will be omitted for convenience.

10 is a diagram illustrating a functional configuration of an IC card terminal 300 for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

More specifically, FIG. 10 shows that an IC card terminal 300 including a CD / ATM provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place uses a ledger-based financial IC card according to the present invention. As shown in the preferred functional configuration for processing a financial transaction (or electronic payment), those skilled in the art to which the present invention pertains, each IC card terminal 300 by referring to and / or modified in this drawing 10 ) Is a window terminal, and / or a wired terminal and / or a wireless terminal and / or a home appliance terminal with a predetermined IC card reader, and / or a payment terminal provided in a predetermined affiliate store. It may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 10, the IC card terminal 300 recognizes an MS card and / or an IC card, and obtains predetermined information from the card reader unit 1010 and each of the IC card terminals 300. A screen output unit 1015 for outputting a processing screen at a financial transaction (or electronic payment) step, a key input unit 1020 for receiving predetermined information according to each financial transaction (or electronic payment) step, and a predetermined financial network Communication unit 1030 and the IC card terminal 300 to communicate with the ledger server 900 through at least one or more financial transaction (or electronic payment) processing information for the financial transaction (or electronic payment) processing, A memory unit 1055 for storing predetermined financial transaction (or electronic settlement) history information after the financial transaction (or electronic settlement), and a cash payment unit for paying cash for each financial transaction (or electronic settlement) to the customer ( 1040) and the power supply to the IC card terminal 300 It comprises a supply unit 1025, and one or more terminal functional section 1035 and a controller 1005 for controlling each functional configuration unit provided in the IC card terminal 300.

The control unit 1005 controls the overall operation of the IC card terminal 300 in function configuration, manages the flow of information or data between each component, and financial transactions based on the ledger-based financial IC card according to the present invention. (Or electronic payment) for controlling at least one or more components provided in the IC card terminal 300, at least including hardware (Central Processing Unit) / MPU (Micro Processing Unit) And at least one processor, an execution memory (for example, a register), a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor. Loading into the execution memory from a predetermined recording medium provided in the IC card terminal 300 to perform a specific function and the By the processor being calculation process is characterized in that it comprises a predetermined program routine (Routine) and / or program data.

In particular, the controller 1005 includes a predetermined operating system and / or a terminal control program routine for managing the IC card terminal 300 after the IC card terminal 300 is booted by software. .

10, the control unit 1005 for convenience of at least one program component provided in the IC card terminal 300 for financial transactions (or electronic payment) based on the ledger-based financial IC card according to the present invention. It shows in and demonstrates.

The card reader unit 1010 provides an interface between the card and the IC card terminal 300 to read at least one or more information or data included in the card for at least one or more financial transactions (or electronic payment). Characterized in that, the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard interface for interfacing with the IC card terminal 300, and / or financial transactions based on the ledger-based financial IC card according to the present invention Contact IC reader unit and / or ISO / IEC 14443 standard for interfacing a contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with IC card terminal 300 for (or electronic payment) processing. And a non-contact IC reader unit for interfacing the non-contact IC card with the IC card terminal 300, wherein the contact IC reader unit and / or the non-contact IC reader unit is connected to the IC card terminal 300. Which preferably corresponding to the IC card reader.

The MS reader unit is a card reader unit 1010 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the IC card terminal 300 to interface the predetermined information or data from at least one or more tracks included in the MS of the MS card, the cash card and / or debit card provided in the MS card It is preferably used for cash withdrawal.

The contact IC reader unit is a card reader unit 1010 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) associated with a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and converting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized by interfacing to the card terminal 300, according to the present invention is preferably used for financial transactions (or electronic payments) using the ledger-based financial IC card associated with the IC card.

The non-contact IC reader unit is a card reader unit 1010 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the terminal 300.

The screen output unit 1015 is predefined to be output from the IC card terminal 300 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 1005. Or at least one information or data that is defined in real time or is defined in real time, and the key data input through the key input unit 1020 to pre-defined information or data to be output on the screen from the IC card terminal 300. , Information stored or generated by a component included in the IC card terminal 300, information transmitted / received through the communication unit 1030, and data corresponding to a predetermined operation result performed by the IC card terminal 300. It is done by

According to an embodiment of the present invention, the screen output unit 1015 displays a processing screen and / or an interface screen according to each financial transaction (or electronic payment) step using a ledger-based financial IC card according to the present invention. It is preferable to output to an output device.

The key input unit 1020 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the IC card terminal 300 controlled by the controller 1005. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1005. The controller 1005 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the IC card terminal 300, and / or is defined to match the key event. Characterized in that for obtaining a command to execute the custom functions.

The key input unit 1020 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the IC card terminal 300.

According to the exemplary embodiment of the present invention, a key input device interoperating with the key input unit 1020 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 1020 receives at least one or more information from each key transaction (or electronic payment) step using a ledger-based financial IC card according to the present invention from a predetermined key input device. It is preferable.

The communication unit 1030 is to provide a communication means for performing a transaction function (for example, a transaction function interoperating with the IC card terminal 300 and the external system of each financial system) provided in the IC card terminal 300. And a network communication unit 1030 and / or predetermined to provide transactional communication with the ledger server 900 provided on the financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. Cable communication unit 1030 and / or Infrared Ray communication, RF (Radio Frequency) to provide transactional communication with an external communication device through a cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) Local area that provides transactional communication with a local area communication device through at least one local area wireless communication including at least one of wireless communication, Bluetooth, Wireless LAN, Wi-Fi, and Ultra Wide Band system (UWB). Communication Comprised, including the 1030, it comprises a communication protocol and a communication application for providing a communication transaction in software.

According to the method of the present invention, the communication unit 1030 is a financial transaction (or using a ledger-based financial IC card and the ledger server 900 on the financial system via a network through the network communication unit 1030) It is preferable to connect a communication channel for processing electronic payment).

The memory unit 1055 is a storage medium that stores at least one or more information or data required for the control unit 1005 to perform a predetermined control function. The memory unit 1055 is an EEPROM (Electrically Erasable and Programmable Read Only Memory), FM. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 1005 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 1055 may include at least one of the IC card terminal 300 used to process a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention. It is preferable to store the financial transaction (or electronic payment) processing information, and / or after the financial transaction (or electronic payment) processing using the ledger-based financial IC card, the financial transaction corresponding to the financial transaction (or electronic payment). (Or electronic payment) It is desirable to store the history information.

The cash payment unit 1040 is a financial transaction (or electronic payment) corresponding to a card read through the card reader unit 1010 from a predetermined financial system through the communication unit 1030, the financial transaction (or electronic Payment) When a customer receives a predetermined cash payment order (or cash payment approval result) and the cash corresponding to the cash payment order (or cash payment approval result), the cash (or the financial transaction (or electronic payment) customer requests a withdrawal). Cash) is read out from a predetermined cash storage unit 1045 provided in the IC card terminal 300 and paid to the customer through a predetermined cash discharging unit 1050.

The terminal function unit 1035 is a component provided in the IC card terminal 300 in addition to the components shown in FIG. 10 and / or components provided in the IC card terminal 300 for a predetermined purpose or role. Representatively, those of ordinary skill in the art such as a secure application module (SAM) for supporting financial transactions (or electronic payment) and / or a print output unit for printing and outputting a receipt and / or a biometric recognition device for biometrics, etc. It includes various additional function configurations according to the intention.

Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 1035 provided according to the characteristics of the IC card terminal 300, and thus a detailed description thereof will be omitted.

Referring to FIG. 10, an operation mode of the IC card terminal 300 is a financial transaction in which an operation mode of the IC card terminal 300 processes a financial transaction (or electronic payment) based on the ledger-based financial IC card. Or at least one or more financial means associated with the financial IC card (and / or the financial IC card) using a PIN through the card reader unit 1010 and the mode checking unit 1060 for confirming whether the electronic payment mode is in operation. Or validity authentication unit 1065 for authenticating the validity of the payment means and the financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card), Financial means including an information reader 1070 for reading IC card specific information (and / or financial IC card identification information) from the IC card, and the IC card unique information (and / or financial IC card identification information). (Or payment method) information The full text generation unit 1075 for generating a full text and the full financial means (or payment means) information request text is transmitted to the ledger server 900 through the communication unit 1030, and from the ledger server 900 Receive a financial means (or payment means) information full text corresponding to the full financial means (or payment means) information request, and at least one financial means (or payment) included in the received information on the financial means (or payment means) information Means) having a specialized processing unit 1080 for outputting an interface screen for selecting a predetermined financial transaction (or electronic settlement) financial means (or payment means) from the information through the screen output unit 1015. It features.

In addition, the IC card terminal 300, when a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected from the interface screen output through the screen output unit 1015, the financial transaction ( Or an information input unit 1085 for receiving financial transaction (or electronic payment) information for processing a predetermined financial transaction (or electronic payment) corresponding to the financial means (or payment means) for electronic payment). Preferably, in this case, the full text generation unit 1075 requests a financial transaction (or electronic payment) including the financial means (or payment means) information and the financial transaction (or electronic payment) information for the financial transaction (or electronic payment). It is preferable to generate a full text. The full text processing unit 1080 transmits the generated financial transaction (or electronic payment) request full text to the ledger server 900 through the communication unit 1030, and the ledger server 90 Receive a financial transaction (or electronic payment) full text corresponding to the full financial transaction (or electronic payment) request from the 0), and recalls the details of the financial transaction (or electronic payment) included in the financial transaction (or electronic payment) It is preferable to output through the screen output unit 1015.

The IC card terminal 300 uses a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention, or a cash card (or debit card). It includes a plurality of operation modes, such as cash withdrawal mode, the mode check unit 1060 is the operation mode of the IC card terminal 300 is a financial transaction (or electronic payment using the ledger-based financial IC card according to the present invention) It is characterized by checking whether the financial transaction (or electronic payment) mode processing.

According to an embodiment of the present invention, the IC card terminal 300 selects a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention from among a plurality of operation modes on a basic screen, thereby It is preferable to switch to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using the basic financial IC card.

According to another exemplary embodiment of the present invention, the IC card terminal 300 uses a ledger-based financial IC card according to the present invention among a plurality of operation modes after a predetermined IC card is inserted into the IC card reader. By selecting a transaction (or electronic payment), it is preferable to switch to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using the ledger-based financial IC card.

The validity authentication unit 1065 is connected to the key input unit 1020 when a predetermined IC card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit among the card reader unit 1010. Interworking to receive a predetermined PIN, and based on the entered PIN, confidentiality, authentication, integrity and non-repudiation of the financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card). A validity authentication procedure is performed to ensure that the validity authentication unit 1065 provides a financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card). If the validity is authenticated, a predetermined financial transaction (or electronic payment) procedure using the ledger-based financial IC card according to the present invention is normally performed.

According to an embodiment of the present invention, the validity authentication unit 1065 is a financial IC card (and / or at least one financial means associated with the financial IC card after a predetermined IC card is inserted into the IC card reader). (Or payment method) it is desirable to perform a validation process.

According to one embodiment of the invention, the validity authentication unit 1065 after the predetermined IC card is inserted into the IC card reader, the operation mode of the IC card terminal 300 is the financial transaction (or electronic payment) mode If a predetermined IC card is inserted into the IC card reader after switching to the IC card terminal 300 or the operation mode of the IC card terminal 300 is switched to the financial transaction (or electronic payment) mode, the financial IC card (and / Alternatively, it is preferable to perform a validity authentication procedure for at least one financial means (or payment means) associated with the financial IC card.

If the information reading unit 1070 is validated by the validity authentication unit 1065 for a financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card), the IC Read predetermined IC card identification information from the card, and / or read IC card specific information from the IC card, wherein the read IC card specific information (and / or financial IC card identification information) is read. Is provided to the full text generation unit 1075.

The full text generation unit 1075 requests a predetermined financial means (or payment means) information including IC card specific information (and / or financial IC card identification information) read from the IC card through the information reader 1070. Characterized in that a full text is generated, the full text means (or payment means) information request is the IC card corresponding to the IC card terminal 300, in addition to the IC card unique information (and / or financial IC card identification information) The terminal 300 may include at least one address information and / or the IC card terminal 300 ID information and / or the IC card terminal 300 manager (or operator) information, and the like. The address information and / or the IC card terminal 300 ID information and / or the IC card terminal 300 manager (or operator) information may be stored in the memory unit 1055 of the IC card terminal 300. As transaction (or electronic payment) processing information. It is desirable to extract from.

The specialized processing unit 1080 transmits the generated financial means (or payment means) information request text to the ledger server 900 through the communication unit 1030, and from the ledger server 900 Wait for the full text of the financial means (or payment means) information including at least one financial means (or payment means) information corresponding to the ledger-based financial IC card.

If a full financial means (or payment means) information including at least one financial means (or payment means) information corresponding to the ledger-based financial IC card is received, the specialized processing unit 1080 is the received financial means ( Or payment means) extracting at least one financial means (or payment means) information included in the full text of the information, and from the extracted at least one financial means (or payment means) information financing for a predetermined financial transaction (or electronic payment) Interface screen for selecting a means (or payment means) is characterized in that output through the screen output unit 1015, at least one or more financial means (or included in the interface screen via the key input unit 1020) Waiting for the predetermined financial transaction (or electronic payment) financial means (or payment means) of the payment means) is selected.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected among at least one or more financial means (or payment means) included in the interface screen, the specialized processing unit 1080 performs the financial transaction ( Alternatively, the screen output unit 1015 may display an interface screen for selecting a predetermined financial transaction (or electronic payment) among at least one financial transaction (or electronic payment) that may be processed through a financial means (or payment means) for electronic payment). And outputting through the key input unit 1020 and waits for a predetermined financial transaction (or electronic payment) to be selected from at least one financial transaction (or electronic payment) included in the interface screen.

If a predetermined financial transaction (or electronic settlement) is selected from at least one financial transaction (or electronic settlement) included in the interface screen, the specialized processing unit 1080 corresponds to the selected financial transaction (or electronic settlement). And an interface screen for inputting at least one financial transaction (or electronic payment) information through the screen output unit 1015, wherein the information input unit 1085 receives the key input unit 1020 through the key input unit 1020. The financial transaction (or electronic payment) information corresponding to at least one financial transaction (or electronic payment) information item included in the interface screen is input.

For example, when the selected financial transaction (or electronic payment) withdraws a predetermined amount from the financial means (or payment means) for the financial transaction (or electronic payment) and transfers the account to a predetermined financial account, the information input unit. The financial transaction (or electronic payment) information input through 1085 includes withdrawal amount information to be withdrawn from the financial means (or payment means) for the financial transaction (or electronic payment), and a deposit account to which the withdrawal amount is transferred and deposited. A number, a financial means (or payment means) password for the financial transaction (or electronic payment), an account transfer password, and a security card corresponding to the financial means (or payment means) for the financial transaction (or electronic payment) It comprises at least one predetermined security card number of the plurality of security card numbers.

If the financial transaction (or electronic payment) information input is completed, the specialized processing unit 1080 is the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or Electronic payment) information is provided to the full text generation unit 1075.

The full text generation unit 1075 includes a financial transaction (or electronic payment) information including the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or electronic payment) information. The request message is generated, and the generated financial transaction (or electronic payment) request message is provided to the expert processing unit 1080.

The specialized processing unit 1080 transmits the generated financial transaction (or electronic payment) request message to the ledger server 900, and for the financial transaction (or electronic payment) from the ledger server 900 Full financial transaction (or electronic payment) full text including financial instrument (or payment instrument) information and predetermined financial transaction (or electronic settlement) history information corresponding to the input at least one financial transaction (or electronic settlement) information. Wait for it to be received.

If a predetermined financial transaction (or electronic payment) full text including the financial transaction (or electronic payment) history information is received, the specialized processing unit 1080 is financed included in the received financial transaction (or electronic payment) full text. Extracting transaction (or electronic payment) history information and outputting the extracted financial transaction (or electronic payment) history information through the screen output unit 1015.

According to an embodiment of the present invention, the received financial transaction (or electronic payment) may include financial information corresponding to the financial means (or payment means) information for the financial transaction (or electronic payment) and financial transaction (or electronic payment) information. In addition to the transaction (or electronic payment) history information, at least one or more recent financial transaction (or electronic payment) history may be further included, and in this case, the specialized processor 1080 may receive the received at least one recent financial transaction ( Or electronic payment) details through the screen output unit 1015 is preferably output.

In addition, the specialized processing unit 1080 preferably stores the financial transaction (or electronic payment) history information extracted from the received financial transaction (or electronic payment) full text in the memory unit 1055 for a predetermined time period. Thereby, various additional services such as the last transaction cancellation can be easily provided.

11 is a view showing an operation of the IC card terminal 300 for financial transactions (or electronic payment) using the ledger-based financial IC card according to the embodiment of the present invention.

In more detail, Figure 11 illustrates an IC card associated with the ledger-based financial IC card according to the present invention inserted into the IC card terminal 300 shown in Figure 10, the IC card terminal 300 in the ledger-based As a method for initiating a financial transaction (or electronic payment) using a financial IC card, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the IC card 11 to modify the IC card. Although various implementation methods for initiating a financial transaction (or electronic payment) using the ledger-based financial IC card in the terminal 300 may be inferred, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implementation method shown.

For example, in FIG. 11, the operation mode checking process and the validity authentication process of the IC card terminal 300 may be reversed, and the validity authentication process may be performed according to the intention of the person skilled in the art in addition to the validity authentication using the PIN. It may be replaced by the validity authentication used.

In the following, the IC card terminal 300 is referred to as " terminal " for convenience.

Referring to FIG. 11, a terminal equipped with a financial transaction (or electronic payment) function using a ledger-based financial IC card according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (1100). When a predetermined IC card is inserted through the drug card reader (1105), the terminal outputs a predetermined operation mode selection interface screen, and the operation mode of the terminal is based on the ledger based on the operation mode selection interface screen. In operation 1110, a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using a financial IC card is selected.

If the operation mode of the terminal is not selected as the financial transaction (or electronic payment) mode for financial transactions (or electronic payment) using the ledger-based financial IC card according to the present invention (1115), the terminal is the IC card A function corresponding to the selected operation mode is performed based on 1420.

On the other hand, if the operation mode of the terminal is selected as the financial transaction (or electronic payment) mode for financial transactions (or electronic payment) using the ledger-based financial IC card according to the present invention (1115), the terminal receives a predetermined PIN Outputting a validity authentication interface screen (e.g., a screen for requesting input of a predetermined PIN) to be used, wherein a predetermined PIN is input through the validity authentication interface screen, and at least associated with a financial IC card (and / or the financial IC card); Check whether the validity of one or more financial means (or payment means) is authenticated (1125).

If the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is not authenticated (1130), the terminal outputs a predetermined validity authentication error message (1135). The financial transaction (or electronic payment) procedure using the ledger-based financial IC card is terminated.

On the other hand, if the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is authenticated (1130), the terminal receives predetermined IC card specific information (and And / or read the financial IC card identification information (1140), and generate a predetermined financial means (or payment means) information request text including the read IC card unique information (and / or financial IC card identification information). (1145).

Thereafter, the terminal checks whether a communication channel is connected to the ledger server 900 to transmit / receive the full financial means (or payment means) information request message through the communication network (1150).

If a communication channel capable of transmitting and receiving the financial instrument (or payment means) information request message is not connected between the terminal and the ledger server 900 (1155), the terminal receives the ledger server 900 through the communication network. And a predetermined communication channel capable of transmitting / receiving the full text of the financial means (or payment means) information request (1160).

On the other hand, when the communication channel capable of transmitting and receiving the financial instrument (or payment means) information request message is pre-connected between the terminal and the ledger server 900 (1155) or through a communication channel connection procedure (1160). The terminal transmits the full financial means (or payment means) information request message to the ledger server 900 through the communication channel (1165), and the ledger server 900 performs the procedure as shown in FIG. The full text of the financial means (or payment means) information including at least one financial means (or payment means) information is transmitted to the terminal.

12 is a view showing an operation of the ledger server 900 for financial transactions (or electronic payment) using the ledger-based financial IC card according to the embodiment of the present invention.

More specifically, FIG. 12 is included in the full text instrument (or payment means) information request message in the ledger server 900 that receives the full text instrument (or payment means) information request message through the same process as in FIG. Identify at least one or more financial means (or payment means) corresponding to the ledger-based financial IC card based on the IC card unique information (and / or financial IC card identification information) and at least one corresponding to the verified financial account The present invention relates to a method for generating a predetermined financial means (or payment means) information full text including information on the financial means (or payment means) and transmitting the IC card terminal 300 to the IC card terminal 300. If you have the knowledge of the IC card, the IC card included in the full text of the financial means (or payment means) information request in the ledger by referring to and / or modified in this figure 12 Identify at least one financial means (or payment means) corresponding to the ledger-based financial IC card based on the unique information (and / or financial IC card identification information) and at least one financial means corresponding to the verified financial account It is possible to infer various implementation methods for generating a predetermined financial means (or payment means) information text including information (or payment means) information and transmitting them to the IC card terminal 300. All the methods are included, and the present invention is not limited to the implementation method shown in FIG.

12, the IC card terminal 300 is referred to as " terminal " for convenience, and the ledger server 900 is referred to as " server " for convenience.

Referring to FIG. 12, the ledger server 900 equipped with a financial transaction (or electronic payment) processing function using a ledger-based financial IC card according to the present invention is provided with the financial means (or payment) from at least one terminal through the communication network. Means) periodically checks whether the information request message is received (1200), and if the financial means (or payment means) information request message is received from a predetermined terminal (1205), the server determines the financial means (or payment). Means) extract the predetermined IC card unique information (and / or financial IC card identification information) by reading the full information request (1210), and based on the extracted IC card unique information (and / or financial IC card identification information) The at least one ledger information matching the extracted IC card unique information (and / or financial IC card identification information) is retrieved from the ledger D / B by searching the ledger D / B with ( 1215).

If at least one ledger information that matches the extracted IC card unique information (and / or financial IC card identification information) is retrieved from the ledger D / B (1220), the server determines the IC from the ledger D / B. At least one financial means (or payment means) information that matches card-specific information (and / or financial IC card identification information) (e.g., financial means (or payment means) information corresponding to a ledger-based financial IC card according to the present invention). ) (1225), generate a predetermined financial means (or payment means) information full text including the extracted at least one financial means (or payment means) information (1230), and generates the generated financial means (or Payment means) transmits the full information to the terminal through the communication network (1235).

13 is a view showing an operation of the IC card terminal 300 for the financial transaction (or electronic payment) processing using the ledger-based financial IC card according to the embodiment of the present invention.

In more detail, in FIG. 13, the IC card terminal 300 receiving the full financial means (or payment means) information text through the same process as in FIG. 12, at least included in the full text of the financial means (or payment means) information. The present invention relates to a method for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention based on one or more financial means (or payment means) information, which is common in the art. If the person skilled in the art, with reference to the Figure 13 and / or modified based on at least one or more financial means (or payment means) information contained in the full financial means (or payment means) information in the IC card terminal 300; As such, various implementation methods for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention may be inferred, but the present invention is inferred from the actual inference. Include all of the methods, and shall not be limited to the exemplary method shown in the figure 13.

In the following, the IC card terminal 300 is referred to as " terminal "

Referring to FIG. 13, a terminal that transmits the full financial means (or payment means) information request message to the ledger server 900 through the process illustrated in FIG. 11 may be transferred from the ledger server 900 to the financial means (or Payment means) waits for a predetermined financial means (or payment means) information text including at least one financial means (or payment means) information to be received in response to the request for information (1300), if the ledger server 900 If a full financial means (or payment means) information including at least one financial means (or payment means) information is received through the process shown in FIG. 12 (1305), the terminal receives the financial means ( Or payment means) extracts at least one financial means (or payment means) information included in the full information, and the extracted at least one financial means (or payment means) information Outputs a predetermined financial means (or payment means) selection interface screen for selecting a financial means (or payment means) for financial transactions (or electronic payment) of the user (1310), and displays the financial means (or payment means) selection interface screen In operation 1315, a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the financial means (or payment means) selection interface screen (1320), the terminal selects the selected financial transaction (or electronic payment). Outputs a predetermined financial transaction (or electronic payment) selection interface screen for selecting a predetermined financial transaction (or electronic payment) from at least one financial transaction (or electronic payment) that can be processed in correspondence with the financial means (or payment method) In operation 1325, a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) is selected through the financial transaction (or electronic payment) interface screen. (1330).

If a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) is selected through the financial transaction (or electronic payment) selection interface screen (1335), The terminal finances to input at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment). Output a transaction (or electronic payment) information input interface screen (1340), and process through the financial means (or payment means) for the financial transaction (or electronic payment) through the financial transaction (or electronic payment) information input interface screen. In operation 1345, at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be input is input.

If all financial transaction (or electronic settlement) information corresponding to a predetermined financial transaction (or electronic settlement) to be processed through the financial means (or electronic settlement) for the financial transaction (or electronic settlement) is input (1350), The terminal generates a full financial transaction (or electronic payment) request message including the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or electronic payment) information ( In operation 1360, the entire financial transaction (or electronic payment) request message is transmitted to the ledger server 900 through the communication network.

14 is a diagram illustrating an operation process of the ledger server 900 for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

In detail, FIG. 14 illustrates the financial transaction (or electronic payment) request in the ledger server 900 that receives the full financial transaction (or electronic payment) request message through the same process as in FIG. 13. The financial means through the financial means (or payment means) for the financial transaction (or electronic payment) based on the financial means (or payment means) information for the transaction (or electronic payment) and at least one financial transaction (or electronic payment) information. The present invention relates to a method of processing a financial transaction (or electronic payment) corresponding to transaction (or electronic payment) information. Those skilled in the art to which the present invention pertains may refer to FIG. 14 and / or Transforms the financial means (or payment means) information for the financial transaction (or electronic payment) included in the financial transaction (or electronic payment) request message in the ledger server 900 and at least one finance Processing a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) for the financial transaction (or electronic payment) based on the transaction (or electronic payment) information. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In the following figure, the IC card terminal 300 is referred to as "terminal" for convenience, and the ledger server 900 is referred to as "server" for convenience.

Referring to FIG. 14, a ledger server 900 equipped with a financial transaction (or electronic payment) processing function using a ledger-based financial IC card according to the present invention may be provided with at least one terminal through the communication network. Payment) periodically checks whether a request message is received (1400), and if the financial transaction (or electronic payment) request message is received from a predetermined terminal (1405), the server performs the financial transaction (or electronic payment). By reading the full text of the request, the financial means (or payment means) information for a predetermined financial transaction (or electronic payment) and at least one financial transaction (or electronic payment) information are extracted (1410), and the extracted financial transaction (or For the financial transaction (or electronic payment) in conjunction with the ledger D / B based on the information on the financial means (or payment means) and at least one financial transaction (or electronic payment) information. The financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information is processed through the financial means (or payment means) (1415).

If a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information is processed through the financial means (or payment means) for the financial transaction (or electronic payment) (1420), the server may perform the financial Generate predetermined financial transaction (or electronic payment) history information including the transaction (or electronic payment) processing result (1425), and generate the generated financial transaction (or electronic payment) history information in the finance of the ledger D / B. A predetermined financial transaction (or electronic payment) including the financial transaction (or electronic payment) details information is stored and linked to the account ledger corresponding to the financial means (or payment means) for a transaction (or electronic payment) (1430). A full text message is generated (1435), and the generated financial transaction (or electronic payment) full text message is transmitted to the terminal through the communication network (1440).

15 is a view illustrating an operation process of the IC card terminal 300 for completing a financial transaction (or electronic payment) using the ledger-based financial IC card according to the embodiment of the present invention.

In more detail, FIG. 12 illustrates at least one financial transaction included in the financial transaction (or electronic payment) message in the IC card terminal 300 that receives the financial transaction (or electronic payment) message through the same process as that of FIG. 12. The present invention relates to a method of completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention based on transaction (or electronic payment) history information, having a general knowledge in the technical field to which the present invention belongs. The present invention is based on at least one financial transaction (or electronic payment) history information included in the full text of the financial transaction (or electronic payment) in the IC card terminal 300 by referring to and / or modifying the drawing 15. Various implementation methods for completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention may be inferred, but the present invention may infer the implementation method inferred from the above. It includes two, and is not limited to the implementation method shown in FIG.

In the following Figure 15, the IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 15, a terminal that transmits the full financial transaction (or electronic payment) request to the ledger server 900 through the process illustrated in FIG. 13 may receive the financial transaction (or the electronic transaction) from the ledger server 900. Payment) a predetermined financial transaction (or electronic payment) message including at least one financial transaction (or electronic payment) history information is received in response to the request message (1500), and if the ledger server (900) When a predetermined financial transaction (or electronic settlement) message including the predetermined financial transaction (or electronic settlement) history information including the financial transaction (or electronic settlement) processing result is received through the process illustrated in FIG. 14 ( 1505), the terminal reads the financial transaction (or electronic payment) full text and sets the financial transaction (or electronic payment) details included in the financial transaction (or electronic payment) full text on the terminal screen. The outputs, and / or store the subscription information of the financial transaction (or e-payment) to the memory unit 1510.

In addition, the terminal prints and outputs financial transaction (or electronic payment) history information included in the financial transaction (or electronic payment) full text through a predetermined printing device (1515), according to the present invention ledger-based financial IC card Complete a financial transaction (or electronic payment) using.

16 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates a case in which a customer who is issued a conventional IC chip-based financial IC card from a financial institution requests to convert (or reissue) the financial IC card to a ledger-based financial IC card according to the present invention. And / or a ledger-based financial IC card issuance and information registration system constituting the ledger information as in any one or more of FIGS. 4b and / or 4c, if one of ordinary skill in the art Referring to FIG. 16 and / or modified to convert the IC chip-based financial IC card into a ledger-based financial IC card according to the present invention, the IC chip-based financial IC card is converted into a ledger-based financial IC card according to the present invention. It would be possible to infer various system configurations for switching and processing information registration therein, but the present invention includes all the inferred implementation methods. , It is not limited by the exemplary method shown in the figure 16.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the figures 5 and 16 so that the customer may receive a cash card and / or a debit card and / or a credit card from the financial institution. And / or an MS card corresponding to a financial means (or payment means) including at least one of a check card and / or an electronic bankbook and / or an electronic money, the ledger-based financial IC according to the present invention. It will be possible to infer an implementation method for issuing a switch to a card, and the present invention includes all the inferred implementation methods.

Hereinafter, a server (or device) for processing issuance and information registration of a ledger-based financial IC card according to the present invention in connection with the teller terminal on the financial system is referred to as an "information registration server 500" for convenience.

The system for issuing and registering the ledger-based financial IC card is provided at each branch of the financial institution, and is connected to a teller terminal used by a teller at the branch through a predetermined financial network. An information registration server 500 provided on a financial system, and a ledger D / B 1630 for storing ledger information corresponding to at least one financial means (or payment means) associated with a financial account opened to the customer. It is made to include.

The teller terminal receives predetermined customer financial means (or payment means) information and financial IC card conversion request information from the customer for issuing a ledger-based financial IC card according to the present invention, and the customer financial means (or payment means) And a function of transmitting information and financial IC card switching request information to the information registration server 500 through the financial network. The financial IC card switching request information includes the IC chip-based financial IC card. Information requesting to switch to the ledger-based financial IC card according to the present invention is included.

Here, issuing a ledger-based financial IC card according to the present invention may include connecting or including a predetermined financial means (or payment means) identifier in a ledger corresponding to the financial IC card, thereby providing a predetermined IC card terminal 300. In the case where the financial IC card is read and its validity is confirmed, the corresponding financial means (or payment means) information is transferred from the account ledger to which the financial means (or payment means) identifier is linked or included in the financial system. 300, the financial means (or payment means) information is processed as if it were read from the financial IC card.

According to an exemplary embodiment of the present invention, the customer may apply a predetermined financial IC card conversion application form (for example, an application having a form corresponding to a customer financial means (or payment means) information item and a financial IC card conversion request information item). It is preferable to provide the customer financial means (or payment means) information and the financial IC card switch request information to the counter terminal by filling out and submitting the financial IC card switch application to the teller.

According to another exemplary embodiment of the present invention, the customer requests a predetermined information input device (eg, a customer financial means (or payment means) information input item and a financial IC card switching request associated with the window terminal). Outputting an information input interface screen including an information input item, and providing the information to an information input item corresponding to the information input interface through a predetermined key input device; It is possible to provide financial means (or payment means) information and financial IC card switching request information to the counter terminal, thereby limiting the present invention.

Further, the teller terminal may be provided with an IC card reader for reading predetermined IC card specific information from the financial IC card and / or recording predetermined financial IC card identification information on the IC card according to another implementation method. It features.

According to the method of the present invention, the teller terminal reads predetermined IC card unique information from the financial IC card through the IC card reader, and the IC card unique information is compared with the customer financial means (or payment means) information. It is preferable to provide the information registration server 500 by being included in the financial IC card switch request information.

According to an embodiment of the present invention, the teller terminal receives predetermined financial IC card identification information from the information registration server 500, and stores IC card storage information of the IC card (for example, cash card storage) through the IC card reader. Information and / or debit card storage information and / or credit card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information).

Referring to FIG. 16, the information registration server 500 connects and manages at least one window terminal with the application information for issuing the financial IC card and the communication channel for issuing the financial IC card through a predetermined financial network 1605. And an information receiving unit 1610 for receiving predetermined customer financial means (or payment means) information and financial IC card switching request information from the window terminal in association with the interface unit 1605, and the information receiving unit 1610. Read the financial IC card conversion request information received through the to convert the previously issued IC chip-based financial IC card corresponding to the customer financial means (or payment means) information to the ledger-based financial IC card according to the present invention. An information checking unit 1615 for confirming that the request is made, and the checking result converts the IC chip-based financial IC card to a ledger-based financial IC card according to the present invention. The information receiving unit 1610 may further receive a predetermined financial means (or payment means) identifier from the window terminal in cooperation with the interface unit 1605. And an information storage unit 1625 included in the ledger information corresponding to the customer financial means (or payment means) information, and / or stored in association with each other.

The interface unit 1605 may include at least one or more window terminals provided in at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network), predetermined financial IC card issuance application information, and the present invention. And a predetermined communication channel for issuing the ledger-based financial IC card, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 1605 with at least one window terminal is a communication channel connected between a financial system provided in the financial institution and at least one window terminal through a dedicated financial network, and according to the present invention. According to one embodiment, preferably comprising a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server 500, the transaction protocol (And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or) adopted by the specific financial system. Or specialized structures corresponding to transaction protocols) The present invention is not limited by the.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 1610 receives the predetermined customer financial means (or payment means) information and the financial IC card switching request information from the counter terminal in cooperation with the interface unit 1605, wherein the financial IC card The switching request information preferably includes information for confirming whether the IC chip-based financial IC card previously issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

The information checking unit 1615 checks whether the IC chip-based financial IC card previously issued to the customer is converted into a ledger-based financial IC card according to the present invention by reading the financial IC card switching request information. It is done.

According to an embodiment of the present invention, when the verification result of the information confirming unit 1615 is requested to convert the IC chip-based financial IC card previously issued to the customer into a ledger-based financial IC card according to the present invention, The information receiving unit 1610 may further include predetermined IC card specific information corresponding to the financial IC card, and the information storing unit 1625 may receive the received IC card unique information from the financial means. (Or payment means) an identifier included in the ledger information and stored in the ledger D / B 1630, and / or the received financial means (or payment means) identifier associated with the ledger information to the Preferably stored in ledger D / B 1630.

According to the method of the present invention, the IC card unique information is read from the financial IC card issued to the customer through the IC card reader provided in the window terminal and the information receiving unit 1610 through the interface unit 1605. Is preferably received.

According to an embodiment of the present invention, the IC card unique information received from the teller terminal through the information receiving unit 1610 includes a chip serial number of the financial IC card, or at least one included in the IC card. It is possible to include the above key value (or hash code), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when a predetermined official certificate is provided in the financial IC card, the unique information of the IC card includes the public certificate copy number and / or public key copy information included in the public certificate. Or when a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (for example, a credit card). Information, check card information, debit card information, cash card information, etc.), and when the IC card is provided with biometric information about the customer, the IC card unique information is stored in the It is possible to include biometric information, whereby the present invention is not limited.

Referring to FIG. 16, the information registration server 500 connects and manages at least one window terminal with the application information for issuing the financial IC card and the communication channel for issuing the financial IC card through a predetermined financial network 1605. And an information receiving unit 1610 for receiving predetermined customer financial means (or payment means) information and financial IC card switching request information from the window terminal in association with the interface unit 1605, and the information receiving unit 1610. Ledger-based financial IC according to the present invention, the IC chip-based financial IC card issued to the customer in response to the customer financial means (or payment means) information by reading the financial IC card switch request information received through An information confirmation unit 1615 for confirming that the card is requested to be switched to a card, and the verification result converts the IC chip-based financial IC card into a ledger-based financial IC card according to the present invention In this case, a predetermined financial means (or payment means) identifier is generated to convert the IC chip-based financial IC card corresponding to the customer financial means (or payment means) information into a ledger-based financial IC card according to the present invention. An information storage unit 1620 and an information storage unit for storing the generated financial means (or payment means) identifiers in the ledger information corresponding to the customer financial means (or payment means) information, and / or storing the linked information; 1625).

The interface unit 1605 may include at least one or more window terminals provided in at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network), predetermined financial IC card issuance application information, and the present invention. And a predetermined communication channel for issuing the ledger-based financial IC card, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 1605 with at least one window terminal is a communication channel connected between a financial system provided in the financial institution and at least one window terminal through a dedicated financial network, and according to the present invention. According to one embodiment, preferably comprising a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server 500, the transaction protocol (And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or) adopted by the specific financial system. Specialized structure corresponding to transaction protocol) The present invention is not limited by the.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 1610 receives the predetermined customer financial means (or payment means) information and the financial IC card switching request information from the counter terminal in cooperation with the interface unit 1605, wherein the financial IC card The switching request information preferably includes information for confirming whether the IC chip-based financial IC card previously issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

The information checking unit 1615 checks whether the IC chip-based financial IC card previously issued to the customer is converted into a ledger-based financial IC card according to the present invention by reading the financial IC card switching request information. do.

According to another embodiment of the present invention, when the check result of the information checking unit 1615 is issued the ledger-based financial IC card according to the present invention for the IC chip-based financial IC card previously issued to the customer, The information generator 1620 may further generate a predetermined financial means (or payment means) identifier, and the information storage unit 1625 may generate the generated financial means (or payment means) identifier from the ledger information. It is preferable to store in the ledger D / B 1630 in association with the processing.

17A and 17B illustrate the ledger-based financial IC card storage information according to the embodiment of the present invention.

More specifically, FIGS. 17A and 17B illustrate an implementation method for IC card storage information stored in an IC card for a ledger-based financial IC card according to the present invention, and has a general knowledge in the art. Growing up, various IC card storage information for ledger-based financial IC card according to the present invention may be inferred by referring to and / or modifying the drawings 17A and 17B. It is not limited to the implementation method shown in Figure 17a and 17b.

According to another exemplary embodiment of the present invention, the IC card storage information stored in the IC card for the ledger-based financial IC card according to the present invention may be conventional IC card storage information as shown in FIG.

That is, an IC chip-based financial IC card previously issued to the customer according to a conventional IC chip-based financial IC card issuing procedure is also provided in the account ledger as shown in FIGS. 4A and / or 4B and / or 4C. By including the financial means (or payment means) identifier and / or associated processing, it can be used as a ledger-based financial IC card according to the present invention irrespective of the IC card storage information stored in the IC chip.

According to another embodiment of the present invention, the conventional IC card storage information shown in FIG. 1 on the IC card for the ledger-based financial IC card according to the present invention is shown in FIG. 17A and / or FIG. 17B as well. IC card storage information may be omitted.

That is, even if the IC card storage information is not provided in the IC card, as shown in FIGS. 4A and / or 4B and / or 4C, the account ledger includes a predetermined financial means (or payment means) identifier, And / or by linkage processing, regardless of the IC card storage information stored in the IC chip, it can be used as a ledger-based financial IC card according to the present invention.

* According to the present invention, the IC card storage information shown in Figs. 17A and 17B is for confirming that the IC card is linked to the ledger-based financial IC card according to the present invention in a predetermined IC card terminal 300. It is characterized by providing a means, and may be omitted according to the intention of those skilled in the art, but is not limited thereto.

17A and 17B, an IC card for a ledger-based financial IC card according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip has a contact point corresponding to the contact point one to one. And electrical Is connected.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. The application area, the read / write access area, the application program area, and the FAT (File Allocation Table) management area, etc., wherein the IC card storage information for the present invention is stored in an area excluding the protection area and the COS control area. desirable.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes at least one master file (MF) corresponding to a root file and at least under the master file. Answer To Reset (ATR) including function information on one or more stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card disposed under the dedicated file. Includes a file structure consisting of an element file (EF) that contains the actual information and / or data for the service, the IC card storage information for the present invention also includes such a file structure.

Referring to FIG. 17A, the IC card storage information includes an information file for storing a predetermined serial number, and the serial number of the IC card storage information is used as ledger-based financial IC card identification information according to the present invention. It is preferable.

According to another embodiment of the present invention, the IC card storage information may be provided with the CIF number of the ledger corresponding to the financial IC card in addition to the IC card serial number, in which case the CIF number is ledger-based financial according to the present invention It can be used as IC card identification information, in addition to the intention of the skilled person various unique information is provided in the IC card storage information, can be used as ledger-based financial IC card identification information according to the present invention, thereby This is not limited.

In FIG. 17A, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (for example, credit card) is used as IC card unique information for providing a card, or if a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Information, check card information, debit card information, cash card information, etc.) is used as IC card specific information for providing the ledger-based financial IC card service according to the present invention, or When the biometric information of the customer is provided in the IC card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

Referring to FIG. 17B, the financial IC card has only a storage area in which predetermined IC card storage information can be stored, and null data is stored in the storage area (for example, the IC card storage information is stored in the storage area). Only the corresponding dedicated file exists, and the element file is not stored). In this case, the IC card terminal 300 is based on the existence of a storage area in which the IC card storage information can be stored in the IC card. It is possible to confirm whether the IC card is a ledger-based financial IC card according to the present invention.

In FIG. 17B, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (for example, credit card) is used as IC card unique information for providing a card, or if a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Information, check card information, debit card information, cash card information, etc.) is used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, or the I When the biometric information of the customer is provided in the C card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the IC card storage information itself may be omitted (not shown) in the IC card, whereby the present invention is not limited.

When the IC card storage information itself is omitted in the IC card as described above, the chip serial number of the IC card and / or at least one key value (or hash code) included in the IC card are ledger-based finance according to the present invention. It is used as IC card unique information for providing an IC card service, or when a predetermined official certificate is provided in the IC card, the public certificate copy number and / or public key copy information included in the public certificate is displayed. When used as IC card specific information for providing a ledger-based financial IC card service according to the invention, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the IC card, The IC card for providing the ledger-based financial IC card service according to the present invention, the card information (eg credit card information, check card information, debit card information, cash card information, etc.) When the biometric information of the customer is used as the unique information or the IC card, the biometric information of the customer may be used as the IC card unique information for providing the ledger-based financial IC card service according to the present invention. The present invention is not limited thereby.

18A and 18B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

More specifically, FIGS. 18A and 18B further include the financial means (or payment means) identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. This is a process of linking and storing the ledger information (and / or financial means (or payment means) identifiers included in the ledger information). Specifically, FIG. 18A illustrates a predetermined financial means (for example, in the information registration server 500). Or a payment means) identifier, and FIG. 18B generates predetermined financial IC card verification information in the information registration server 500 and converts the financial IC card verification information into the financial means (or payment means). ) Is an implementation method used as an identifier.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 18a and 18b to correspond to financial accounts opened to the customer for issuing ledger-based financial IC cards according to the present invention. Infers various implementation methods that further include the financial means (or payment means) identifiers in the ledger information, and stores the ledger information (and / or financial means (or payment means) identifiers included in the ledger information) in association. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 18A and 18B.

Hereinafter, the information registration server 500 shown in FIG. 16 in FIGS. 18A and 18B is referred to as "server" for convenience.

* Referring to Figure 18a, the customer prepares a financial IC card conversion application and provides it to the counter staff, thereby providing predetermined customer financial means (or payment means) information and financial IC card conversion request information to the counter terminal, and And / or inputs predetermined customer financial means (or payment means) information and financial IC card switching request information through a predetermined information input device to provide the counter terminal (1800a).

The window terminal receiving the customer financial means (or payment means) information and the financial IC card switch request information transmits the customer financial means (or payment means) information and the financial IC card switch request information to a server through a predetermined financial network. Transmit (1805a).

Thereafter, the server receives the customer financial means (or payment means) information and the financial IC card switching request information from the teller terminal (1810a), and reads the received financial IC card switching request information from the customer. In operation 1815a, the IC chip-based financial IC card issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

If the check result is not requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (1820a), the server generates the financial IC card conversion error message to the counter terminal. And transfers the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention.

On the other hand, if the check result indicates that the customer is requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (1820a), the server provides the customer financial means (or payment means) information and financial IC card. A predetermined financial means (or payment means) identifier is generated based on the switch request information (1830a).

When the financial instrument (or payment instrument) identifier is extracted and / or generated as described above, the server assigns the financial instrument (or settlement instrument) identifier to the ledger information as shown in FIGS. 4A and / or 4B and / or 4C. After storing in association with (1835a), and transfers the result of the conversion of the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention through the financial network (1840a).

Referring to FIG. 18B, the financial IC card switching application is prepared and provided to the counter staff, thereby providing predetermined customer financial means (or payment means) information and financial IC card switching request information to the counter terminal, and / or Predetermined customer financial means (or payment means) information and financial IC card switching request information are inputted through the information input device and provided to the counter terminal (1800b).

The window terminal receiving the customer financial means (or payment means) information and the financial IC card switch request information transmits the customer financial means (or payment means) information and the financial IC card switch request information to a server through a predetermined financial network. Transmit (1805b).

Thereafter, the server receives the customer financial means (or payment means) information and the financial IC card switching request information from the teller terminal (1810b), and reads the received financial IC card switching request information from the customer. In operation 1815b, the IC chip-based financial IC card issued to the customer is requested to be converted into a ledger-based financial IC card according to the present invention.

If the check result is not requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (1820b), the server generates the financial IC card conversion error message to the counter terminal. And transfers the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention.

On the other hand, if the check result indicates that the customer is requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (1820b), the server receives the predetermined financial IC card identification information to be stored in the financial IC card. Create (1850b).

Thereafter, the server stores and stores the generated financial IC card identification information in the ledger information using the generated financial IC card identification information as a financial means (or payment means) identifier as shown in FIGS. 4A and / or 4B and / or 4C. 1855b), and transfers the IC chip-based financial IC card to the ledger terminal through the financial network to the ledger-based financial IC card according to the present invention (1860b).

In addition, the IC card terminal 300 issues the financial IC card to the customer by recording the financial IC card identification information received through the financial network as the IC card storage information of the IC card (1865b).

19 illustrates a process of issuing a ledger-based financial IC card according to another embodiment of the present invention.

In more detail, Fig. 19 uses the financial IC card unique information as a financial means (or payment means) identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. And a process of linking and storing the ledger information (and / or the financial means (or payment means) identifiers included in the ledger information), and the person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying this drawing 19, the financial means (or payment means) is assigned to the financial IC card unique information in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. Include as an identifier and store and link the ledger information (and / or the financial instrument (or payment instrument) identifier included in the ledger information). Although various implementation methods may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following figure 19, the information registration server 500 shown in FIG. 16 is referred to as " server " for convenience.

Referring to Fig. 19, the customer prepares a financial IC card conversion application and provides it to the counter employee, thereby providing predetermined customer financial means (or payment means) information and financial IC card conversion request information to the counter terminal, and / or Through the predetermined information input device, predetermined customer financial means (or payment means) information and financial IC card switching request information are input to the counter terminal (1900).

The teller terminal provided with the customer financial means (or payment means) information and the financial IC card switch request information has a predetermined number for issuing a ledger-based financial IC card from the financial IC card issued to the customer through a predetermined IC card reader. The IC card unique information is read (1905), and the customer financial means (or payment means) information, the financial IC card switch request information, and the read IC card unique information are transmitted to a server through a predetermined financial network (1910). ).

Thereafter, the server receives the customer financial means (or payment means) information and the financial IC card switch request information from the counter terminal (1915), and reads the received financial IC card switch request information from the customer. It is checked whether the IC chip-based financial IC card issued to the customer is requested to switch to the ledger-based financial IC card according to the present invention (1920).

If the check result is not requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (1925), the server generates the financial IC card conversion error message to the counter terminal. In step 1930, the process of converting the IC chip-based financial IC card into a ledger-based financial IC card according to the present invention is terminated.

On the other hand, if the check result is issued a ledger-based financial IC card according to the present invention from the customer (1925), the server uses the received IC card unique information as a financial means (or payment means) identifier according to the present invention The IC chip-based financial IC card is included in the ledger information and stored in the ledger D / B as shown in FIGS. 4A and / or 4B and / or 4C (1935), and then is transferred to the counter terminal through the financial network. The transfer result of the conversion to the ledger-based financial IC card according to the present invention (1940).

20 illustrates a ledger-based financial IC card operating system according to an embodiment of the present invention.

In more detail, Figure 20 illustrates that the customer who has converted the conventional IC chip-based financial IC card according to the present invention into a ledger-based financial IC card according to the present invention by using a predetermined IC card terminal 300. The present invention relates to a ledger-based financial IC card operating system that processes a financial transaction (or electronic payment) based on the ledger-based financial IC card in a financial transaction (or electronic payment) based on the present invention. Persons having ordinary skill in the art will be able to deduce the system configuration for the ledger-based financial IC card operating system according to the present invention by referring to and / or modifying the drawing 20. However, the present invention provides all the inferred implementation methods. It includes all, and is not limited by the embodiment shown in FIG.

Hereinafter, a server (or device) for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card according to the present invention in connection with the IC card terminal 300 on the financial system for convenience. 900) ".

The ledger-based financial IC card operating system may be a terminal used by a teller at each branch of the financial institution, and / or a CD / ATM managed by the financial institution, and / or a payment terminal provided at a predetermined affiliated store, and / or An IC card terminal 300 including at least one wired terminal (not shown) and / or a wireless terminal (not shown) and / or a home appliance terminal equipped with a predetermined IC card reader used by a customer, and the IC card A terminal server 900 connected to the terminal 300 through a predetermined communication network and provided on the financial system of the financial institution, and at least one financial means (or payment means) associated with the financial account opened to the customer. Ledger D / B 2035 in which corresponding ledger information is stored.

Those skilled in the art to which the present invention pertains, the ledger server 900 and the ledger D / B shown in this figure 20 outside the financial system provided to the financial institution in accordance with the intention of those skilled in the art It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system, and the ledger server shown in FIG. 900 and / or ledger D / B 2035 are merely one means for easily describing the technical features of the present invention.

In addition, those skilled in the art to which the present invention belongs, the ledger server 900 and the ledger D / B shown in Figure 20 of the financial system provided in the financial institution according to the intention of those skilled in the art It will be apparent that a predetermined online payment server (e.g., an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment may be externally connected to the financial system. The ledger server 900 and / or ledger D / B 2035 is merely one means for easily describing the technical features of the present invention.

The IC card terminal 300 is characterized in that it comprises a predetermined IC card reader for the financial transaction (or electronic payment) based on the ledger-based financial IC card according to the present invention, and also through the IC card reader Read predetermined IC card specific information (and / or financial IC card identification information) from the IC card associated with the ledger-based financial IC card according to the present invention, and identify the read IC card specific information (and / or financial IC card identification). Information) at least one or more financial means (or payment means) information corresponding to the ledger-based financial IC card among the ledger information stored in the ledger D / B from the ledger server 900 by transmitting the information) to the ledger server 900 And receiving a predetermined financial transaction through one of the financial means (or payment means) of the received at least one financial means (or payment means) information. And is characterized in that for processing the electronic payment), the preferred embodiment of this is described in detail through figures 22.

According to the exemplary embodiment of the present invention, when the IC card terminal 300 is inserted in the IC card reader and the IC card linked to the ledger-based financial IC card according to the present invention, the operation mode of the IC card terminal 300 Is switched to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card, and the operation mode of the IC card terminal 300 is set to the financial transaction (or In the electronic payment) mode, a confidentiality, authentication, or authentication of the financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card through a predetermined PIN), Authenticate validity including Integrity and Nonrepudiation, and if the validity is authenticated, predetermined IC card specific information (and / or financial IC card verification information) is read from the IC card, and By transmitting the read IC card unique information (and / or financial IC card identification information) to the ledger server 900, the ledger-based financial IC card of the ledger information stored in the ledger D / B from the ledger server 900 It is preferable to receive at least one financial means (or payment means) information corresponding to the.

According to another embodiment of the present invention, when the IC card terminal 300 is inserted into the IC card reader and the IC card linked to the ledger-based financial IC card according to the present invention, the financial IC card through a predetermined PIN (And / or authenticating validity including confidentiality, authentication, integrity, and non-repudiation of at least one financial means (or payment means) associated with the financial IC card, and if the validity is authenticated, the IC card terminal ( The operation mode of 300 is switched to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) based on the ledger-based financial IC card, and the operation mode of the IC card terminal 300 Upon entering the financial transaction (or electronic payment) mode, predetermined IC card unique information (and / or financial IC card identification information) is read from the IC card, and the read IC card unique information (and / or financial) is read. At least one or more financial means (or payment) corresponding to the ledger-based financial IC card among the ledger information stored in the ledger D / B from the ledger server 900 by transmitting the IC card identification information) to the ledger server 900. Means) preferably receiving the information.

The ledger D / B 2035 may display ledger information corresponding to at least one financial means (or payment means) associated with a financial account opened to the customer as shown in FIGS. 4A and / or 4B and / or 4C. It is preferable to store the IC card unique information (and / or financial IC card identification information) including a financial means (or payment means) identifier including at least one.

Referring to FIG. 20, the ledger server 900 processes a financial transaction (or electronic payment) based on at least one IC card terminal 300 and a ledger-based financial IC card according to the present invention through a predetermined communication network. At least one IC card-specific information (and / or financial IC card identification information) from the IC card terminal 300 through the interface unit 2005 for connecting and managing a communication channel for communication. Information unique to the IC card included in the information receiving unit 2010 for receiving the full financial means (or payment means) information request message, and the financial means (or payment means) information request message received through the information receiving unit 2010 Verifying at least one financial means (or payment means) corresponding to the ledger-based financial IC card in connection with the ledger D / B 2035 based on (and / or financial IC card identification information). 2020 and when at least one financial means (or payment means) corresponding to the ledger-based financial IC card is confirmed by the information confirming unit 2020, in connection with the ledger D / B 2035 Financial means including information extraction unit 2025 for extracting at least one financial means (or payment means) information corresponding to the ledger-based financial IC card, and the extracted at least one financial means (or payment means) information (Or payment means) is provided with an information transmitter (2015) for generating a full text information, and transmits the full text of the financial means (or payment means) to the IC card terminal 300 through the interface unit (2005). It is characterized by.

According to the present invention, the information receiving unit 2010, through the interface unit 2005, the financial means (or payment means) information for a predetermined financial transaction (or electronic payment) from the IC card terminal 300 and predetermined financial The method may further include receiving a financial transaction (or electronic payment) request text including transaction (or electronic payment) information, and the financial transaction (or electronic payment) request text is received through the information receiving unit 2010. If so, the ledger D / based on the financial means (or payment means) information for the financial transaction (or electronic payment) included in the full financial transaction (or electronic payment) request and predetermined financial transaction (or electronic payment) information A financial transaction that processes a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) information for the financial transaction (or electronic payment) in connection with B (2035). It is characterized by further comprising a ladle 2030.

The interface unit 2005 establishes a predetermined communication channel for processing a financial transaction (or electronic payment) based on at least one IC card terminal 300 and a ledger-based financial IC card according to the present invention through a predetermined communication network. And maintain and manage the communication channel.

The communication channel connected and managed with the at least one IC card terminal 300 by the interface unit 2005 is connected through a dedicated communication network between the financial system provided in the financial institution and the at least one IC card terminal 300. As a communication channel, according to an embodiment of the present invention, at least one or more full texts corresponding to at least one or more financial transaction (or electronic payment) tasks defined between the IC card terminal 300 and the ledger server 900 may be provided. It is preferable to include a transaction protocol for transmitting and receiving, wherein the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is a financial transaction (or electronic payment) business type of each financial institution and the platform constituting the financial system It can be defined and used in various ways according to its characteristics. Not exclusively the present invention by the call (and / or a specialized structure that corresponds to the transaction protocol).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 2010 receives a full message including at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task from the IC card terminal 300 through the interface unit 2005. And reading the received telegram on the basis of the telegram structure and extracting information of at least one director corresponding to each financial transaction (or electronic settlement) task from the read telegram.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction (or electronic payment) business, the address information of the IC card terminal 300 corresponding to the IC card terminal 300 and And / or at least one of the IC card terminal 300 ID information and / or the IC card terminal 300 manager (or operator) information.

According to another exemplary embodiment of the present invention, the information receiving unit 2010 receives at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task from the IC card terminal 300 through the interface unit 2005. Characterized in that it receives the traffic data comprising, it is possible to extract the information of at least one director corresponding to each financial transaction (or electronic payment) business by reading the header of the traffic data, whereby the present invention It is not limited.

Financial means (or the information receiving unit 2010) including at least one predetermined IC card specific information (and / or financial IC card identification information) from a predetermined IC card terminal 300 through the interface unit 2005 (or In the case of receiving a payment request information message, the information receiving unit 2010 extracts the IC card unique information (and / or financial IC card identification information) from the financial means (or payment means) information request message. The identification unit 2020 and / or information extraction unit 2025, characterized in that the information verification unit 2020 is ledger D based on the IC card unique information (and / or financial IC card identification information) / At least one financial means (or payment means) corresponding to the ledger-based financial IC card in conjunction with (2035), the information extraction unit 2025 is the IC card specific information (and / or financial IC) Card Verification Information ) Extracts at least one financial means (or payment means) information corresponding to the ledger-based financial IC card in association with the ledger D / B 2035.

The information checking unit 2020 may use the ledger D based on the IC card unique information (and / or financial IC card identification information) included in the full text of the financial means (or payment means) information request received through the information receiving unit 2010. By reading the ledger information stored in / B 2035, at least one financial means (or payment means) corresponding to the ledger-based financial IC card of the at least one financial means (or payment means) opened to the customer It is characterized by checking.

According to an embodiment of the present invention, at least one financial means (or payment means) corresponding to the ledger-based financial IC card among at least one financial means (or payment means) opened to the customer is included in the ledger information. A predetermined financial means (or payment means) identifier including the IC card unique information (and / or financial IC card identification information) in the customer ledger and / or account ledger, and / or are stored in association with each other. Preferably, the information confirming unit 2020 may determine a financial means (or payment means) identifier provided in the ledger D / B 2035 based on the IC card unique information (and / or financial IC card identification information). By confirming, at least one financial means (or payment means) corresponding to the ledger-based financial IC card of the at least one financial means (or payment means) opened to the customer You can check it.

When at least one financial means (or payment means) corresponding to the ledger-based financial IC card is confirmed by the information confirming unit 2020, the information extracting unit 2025 is configured from the ledger D / B 2035. The account ledger (eg, the IC card unique information) which is identified as including a predetermined financial means (or payment means) identifier by the information verification unit 2020 among at least one financial means (or payment means) opened to the customer. At least one financial means (or payment means) corresponding to the ledger-based financial IC card from a predetermined financial means (or payment means) identifier (and / or financial IC card identification information) that includes an identifier. Characterized in that the information is extracted.

The information transmitting unit 2015 includes predetermined financial means (or payment means) including at least one financial means (or payment means) information extracted from the ledger D / B 2035 through the information extraction unit 2025. ) Generate the full text information and transmit the generated financial means (or payment means) full text information to the IC card terminal 300 through the interface unit 2005.

The IC card terminal 300 receiving the full text of the financial means (or payment means) information extracts at least one financial means (or payment means) information from the full text of the financial means (or payment means) information, and extracts the at least Outputs an interface screen for selecting a financial means (or payment means) for a predetermined financial transaction (or electronic payment) among at least one financial means (or payment means) corresponding to one or more financial means (or payment means) information; It is checked through the interface screen whether a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the interface screen, the IC card terminal 300 determines the financial means (or payment means) for the financial transaction (or electronic payment). Receive at least one or more financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) through a), the financial means (or payment means) information and financial for the financial transaction (or electronic payment) A predetermined financial transaction (or electronic payment) request message including transaction (or electronic payment) information is generated and transmitted to the ledger server 900 through the financial network.

The information receiving unit 2010 provided in the ledger server 900 is a financial means (or payment means) for a predetermined financial transaction (or electronic payment) from a predetermined IC card terminal 300 through the interface unit 2005. When receiving a full financial transaction (or electronic payment) request message including at least one information and financial transaction (or electronic payment) information, the information receiving unit 2010 receives the financial information from the full financial transaction (or electronic payment) request message. The financial means (or payment means) information for the transaction (or electronic payment) and the financial transaction (or electronic payment) information is extracted and provided to the financial transaction unit 2030, the financial transaction unit 2030 Finance for the financial transaction (or electronic payment) in connection with the ledger D / B (2035) based on the financial means (or payment means) information and financial transaction (or electronic payment) information for the financial transaction (or electronic payment). Means (or texture) Processes through means) financial transaction information (or e-payment) corresponding to the financial transaction (or e-payment) information.

The financial transaction unit 2030 may include information on financial means (or payment means) for financial transactions (or electronic payments) included in the full text of the financial transaction (or electronic payment) request received through the information receiving unit 2010 ( Or an account ledger corresponding to the ledger information stored in the ledger D / B 2035 (eg, a financial transaction (or electronic payment)) based on electronic payment) information and the account ledger. Financial transactions (or electronic payment) corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) for the financial transaction (or electronic payment) using at least one or more ledgers and / or ledger related information). Payment).

According to an embodiment of the present invention, the financial transaction (or electronic payment) information corresponds to financial transaction (or electronic payment) information corresponding to a receiving service, financial transaction (or electronic payment) information corresponding to a credit service, and foreign exchange service. It is preferable to include at least one or more financial transaction (or electronic payment) information, financial transaction (or electronic payment) information corresponding to the investment business, and if the person of ordinary skill in the art Since you will clearly understand the financial transaction (or electronic payment) information corresponding to the financial services of the company, the detailed description thereof will be omitted for convenience.

21 is a diagram illustrating a functional configuration of an IC card terminal 300 for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

More specifically, FIG. 21 shows that the IC card terminal 300 including a CD / ATM provided at a predetermined financial institution (eg, a commercial bank branch) and / or in a public place is a ledger-based financial IC card according to the present invention. As shown in FIG. 21, a preferred functional configuration for processing a financial transaction (or electronic payment) used will be described by those skilled in the art. Various implementation methods when 300) is a teller terminal, and / or a wired terminal and / or a wireless terminal and / or a home appliance terminal with a predetermined IC card reader, and / or a payment terminal provided in a predetermined affiliate store Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited by the implementation method shown in FIG.

Referring to FIG. 21, the IC card terminal 300 recognizes an MS card and / or an IC card to obtain a predetermined information, and a card reader unit 2110 and each provided through the IC card terminal 300. A screen output unit 2115 for outputting a processing screen to a financial transaction (or electronic payment) step, a key input unit 2120 for receiving predetermined information according to each financial transaction (or electronic payment) step, and a predetermined financial network A communication unit 2130 communicating with the ledger server 900 and at least one financial transaction (or electronic payment) processing information for the IC card terminal 300 to process the financial transaction (or electronic payment); A memory unit 2155 for storing predetermined financial transaction (or electronic payment) history information after the financial transaction (or electronic payment), and a cash payment unit for paying cash for each financial transaction (or electronic payment) to the customer ( 2140) and the power supply to the IC card terminal 300 It comprises a supply section (2125) and at least one or more terminal functional section (2135) and a controller 2105 for controlling each functional configuration unit provided in the IC card terminal 300.

The control unit 2105 controls the overall operation of the IC card terminal 300 in function configuration, manages the flow of information or data between each component, and financial transactions based on the ledger-based financial IC card according to the present invention. (Or electronic payment) for controlling at least one or more components provided in the IC card terminal 300, at least including hardware (Central Processing Unit) / MPU (Micro Processing Unit) And at least one processor, an execution memory (for example, a register), a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor. Loading into the execution memory from a predetermined recording medium provided in the IC card terminal 300 to perform a specific function and the Including a predetermined program routine (Routine) and / or the program data to be processed computed by the processor is characterized in that formed.

In particular, the controller 2105 includes a predetermined operating system and / or a terminal control program routine for managing the IC card terminal 300 after the IC card terminal 300 is booted by software. .

21 shows at least one program component provided in the IC card terminal 300 for financial transactions (or electronic payment) based on the ledger-based financial IC card according to the present invention. It shows in and demonstrates.

The card reader unit 2110 provides an interface between the card and the IC card terminal 300 to read at least one or more information or data included in the card for at least one financial transaction (or electronic payment). Characterized in that, the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard interface for interfacing with the IC card terminal 300, and / or financial transactions based on the ledger-based financial IC card according to the present invention Contact IC reader unit and / or ISO / IEC 14443 standard for interfacing a contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with IC card terminal 300 for (or electronic payment) processing. It comprises a contactless IC reader unit for interfacing a contactless IC card with the IC card terminal 300, wherein the contact IC reader and / or contactless IC reader unit is provided in the IC card terminal 300. It is preferable to correspond to the IC card reader.

The MS reader unit is a card reader unit 2110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the IC card terminal 300 to interface the predetermined information or data from at least one or more tracks included in the MS of the MS card, the cash card and / or debit card provided in the MS card It is preferably used for cash withdrawal.

The contact IC reader unit is a card reader unit 2110 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) associated with a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and converting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized by interfacing to the card terminal 300, according to the present invention is preferably used for financial transactions (or electronic payment) using the ledger-based financial IC card associated with the IC card.

The non-contact IC reader unit is a card reader unit 2110 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the terminal 300.

The screen output unit 2115 is previously defined to be output from the IC card terminal 300 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 2105. Or at least one information or data that is defined in real time or is defined in real time, and the key data input through the key input unit 2120 to pre-defined information or data to be output on the screen from the IC card terminal 300. , Information stored or generated by a component included in the IC card terminal 300, information transmitted / received through the communication unit 2130, and data corresponding to a predetermined operation result performed by the IC card terminal 300. It is done by

According to an embodiment of the present invention, the screen output unit 2115 outputs a predetermined screen to a processing screen and / or an interface screen according to each financial transaction (or electronic payment) step using a ledger-based financial IC card according to the present invention. It is desirable to output to the device.

The key input unit 2120 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or an operation mode of the IC card terminal 300 controlled by the controller 2105. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2105. The controller 2105 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the IC card terminal 300, and / or is defined to match the key event.Characteristic for acquiring a command to execute a predetermined function.

The key input unit 2120 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the IC card terminal 300.

According to the exemplary embodiment of the present invention, a key input device interworking with the key input unit 2120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an exemplary embodiment of the present invention, the key input unit 2120 inputs at least one or more pieces of information according to each financial transaction (or electronic payment) step using a ledger-based financial IC card according to the present invention from a predetermined key input device. It is desirable to receive.

The communication unit 2130 provides communication means for performing a transaction function (for example, a transaction function interoperating with the IC card terminal 300 and the external system of each financial system) included in the IC card terminal 300. And a network communication unit 2130 for providing transactional communication with the ledger server 900 provided on the financial system through a financial network (eg, a branch network or a CD / ATM network) in hardware. Cable communication unit 2130 and / or infrared ray communication, RF (Radio Frequency) to provide transactional communication with an external communication device through a cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) Local area communication unit for providing transactional communication with the local area communication device through at least one local area wireless communication including communication, Bluetooth, Wireless LAN, Wi-Fi, UWB (Ultra Wide Band system). 2130, and includes a communication protocol and a communication application for providing transactional communication in software.

According to the method of the present invention, the communication unit 2130 is a financial transaction (or using a ledger-based financial IC card and the ledger server 900 on the financial system via a predetermined financial network through the network communication unit 2130) It is preferable to connect a communication channel for processing electronic payment).

The memory unit 2155 is a storage medium that stores at least one or more information or data required for the control unit 2105 to perform a predetermined control function. The memory unit 2155 may be configured to have an EEPROM (Electrically Erasable and Programmable Read Only Memory), or FM. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 2105 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 2155 may include at least one finance that is used by the IC card terminal 300 to process a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention. It is preferable to store transaction (or electronic payment) processing information, and / or after the financial transaction (or electronic payment) processing using the ledger-based financial IC card, the financial transaction corresponding to the financial transaction (or electronic payment) ( Or electronic payment) history information.

The cash payment unit 2140 is a financial transaction (or electronic payment) result corresponding to a card read through the card reader unit 2110 from a predetermined financial system through the communication unit 2130, the financial transaction (or electronic Payment) When a customer receives a predetermined cash payment order (or cash payment approval result) and the cash corresponding to the cash payment order (or cash payment approval result), the cash (or the financial transaction (or electronic payment) customer requests a withdrawal). Cash) is read from a predetermined cash storage unit 2145 provided in the IC card terminal 300 and paid to the customer through a predetermined cash discharging unit 2150.

The terminal function unit 2135 is a component provided in the IC card terminal 300 in addition to the components shown in FIG. 21 and / or components provided in the IC card terminal 300 for a predetermined purpose or role. Representatively, those of ordinary skill in the art such as a secure application module (SAM) for supporting financial transactions (or electronic payment) and / or a print output unit for printing and outputting a receipt and / or a biometric recognition device for biometrics, etc. It includes various additional function configurations according to the intention.

Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 2135 provided according to the characteristics of the IC card terminal 300, so a detailed description thereof will be omitted.

Referring to FIG. 21, an operation mode of the IC card terminal 300 is a financial transaction in which an operation mode of the IC card terminal 300 processes a financial transaction (or electronic payment) based on the ledger-based financial IC card. Or at least one or more financial means associated with the financial IC card (and / or the financial IC card) by using a PIN through the mode checking unit 2160 and the card reader 2110 to confirm whether the electronic payment mode is in operation. When the validity of the validity authentication unit 2165 for authenticating the validity (or payment means) and the financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card) is authenticated. A financial unit including an information reader 2170 for reading IC card specific information (and / or financial IC card identification information) from the IC card, and the IC card unique information (and / or financial IC card identification information); Method (or payment method) information The full text generation unit 2175 for generating the full text of the request, and the full text message (or payment means) information request full text is transmitted to the ledger server 900 through the communication unit 2130, and from the ledger server 900. Receive a financial means (or payment means) information full text corresponding to the full financial means (or payment means) information request, and at least one financial means (or payment) included in the received information on the financial means (or payment means) information Means) comprising a specialized processing unit 2180 for outputting an interface screen for selecting a predetermined financial transaction (or electronic settlement) financial means (or payment means) from the information through the screen output unit 2115. It is done.

In addition, the IC card terminal 300, when a predetermined financial transaction (or electronic payment) financial means (or payment means) is selected from the interface screen output through the screen output unit 2115, the financial transaction ( Or an information input unit 2185 for receiving financial transaction (or electronic payment) information for processing a predetermined financial transaction (or electronic payment) corresponding to the financial means (or payment means) for electronic payment). Preferably, in this case, the full text generation unit 2175 may request a financial transaction (or electronic payment) including the financial means (or payment means) information for the financial transaction (or electronic payment) and the financial transaction (or electronic payment) information. It is preferable to generate a full text. The full text processing unit 2180 transmits the generated financial transaction (or electronic payment) request full text to the ledger server 900 through the communication unit 2130, and the ledger server 9 00) receives a full financial transaction (or electronic payment) message corresponding to the full text of the financial transaction (or electronic payment) request and recalls the details of the financial transaction (or electronic payment) included in the full financial transaction (or electronic payment) request. It is preferable to output through the screen output unit 2115.

The IC card terminal 300 is a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using the ledger-based financial IC card according to the present invention, or cash using a cash card (or debit card) It includes a plurality of operation modes, such as a withdrawal mode, the mode check unit 2160, the operation mode of the IC card terminal 300 is a financial transaction (or electronic payment) using the ledger-based financial IC card according to the present invention It is characterized by checking whether the financial transaction (or electronic payment) mode of processing.

According to an embodiment of the present invention, the IC card terminal 300 selects a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention from among a plurality of operation modes on a basic screen, thereby It is preferable to switch to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using the basic financial IC card.

According to another exemplary embodiment of the present invention, the IC card terminal 300 uses a ledger-based financial IC card according to the present invention among a plurality of operation modes after a predetermined IC card is inserted into the IC card reader. By selecting a transaction (or electronic payment), it is preferable to switch to a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using the ledger-based financial IC card.

The validity authentication unit 2165 is connected to the key input unit 2120 when a predetermined IC card is inserted into an IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit among the card reader units 2110. Interworking to receive a predetermined PIN, and based on the entered PIN, confidentiality, authentication, integrity and non-repudiation of the financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card). And performing a validity authentication procedure for securing a credit card, and for the at least one financial means (or payment means) associated with the financial IC card (and / or the financial IC card) by the validity authentication unit 2165. If the validity is authenticated, a predetermined financial transaction (or electronic payment) procedure using the ledger-based financial IC card according to the present invention is normally performed.

According to an embodiment of the present invention, the validity authentication unit 2165 is a financial IC card (and / or at least one financial means associated with the financial IC card after a predetermined IC card is inserted into the IC card reader) (Or payment method) it is desirable to perform a validation process.

According to the exemplary embodiment of the present invention, the validity authentication unit 2165, after the predetermined IC card is inserted into the IC card reader, the operation mode of the IC card terminal 300 is the financial transaction (or electronic payment) mode. If a predetermined IC card is inserted into the IC card reader after switching to the IC card terminal 300 or the operation mode of the IC card terminal 300 is switched to the financial transaction (or electronic payment) mode, the financial IC card (and / Alternatively, it is preferable to perform a validity authentication procedure for at least one financial means (or payment means) associated with the financial IC card.

If the information reading unit 2170 is authenticated by the validity authentication unit 2165 with respect to a financial IC card (and / or at least one financial means (or payment means) associated with the financial IC card), the IC Read predetermined IC card identification information from the card, and / or read IC card specific information from the IC card, wherein the read IC card specific information (and / or financial IC card identification information) is read. Is provided to the full text generation unit 2175.

The full text generation unit 2175 requests information on a predetermined financial means (or payment means) including IC card specific information (and / or financial IC card identification information) read from the IC card through the information reader 2170. Characterized in that a full text is generated, the full text means (or payment means) information request is the IC card corresponding to the IC card terminal 300, in addition to the IC card unique information (and / or financial IC card identification information) The terminal 300 may include at least one address information and / or the IC card terminal 300 ID information and / or the IC card terminal 300 manager (or operator) information, and the like. The address information and / or the IC card terminal 300 ID information and / or the IC card terminal 300 manager (or operator) information may be stored in the memory unit 2155 of the IC card terminal 300. Transaction (or Electronic Payment) Processing Information Since it is preferable that at extraction.

The specialized processing unit 2180 transmits the generated financial means (or payment means) information request message to the ledger server 900 through the communication unit 2130, and from the ledger server 900 Wait for the full text of the financial means (or payment means) information including at least one financial means (or payment means) information corresponding to the ledger-based financial IC card.

If the full financial means (or payment means) information including at least one financial means (or payment means) information corresponding to the ledger-based financial IC card is received, the specialized processing unit 2180 may receive the received financial means. (Or payment means) extracts at least one financial means (or payment means) information included in the full information, and for a predetermined financial transaction (or electronic payment) of the extracted at least one financial means (or payment means) information Characterized in that the interface screen for selecting a financial means (or payment means) through the screen output unit 2115, at least one or more financial means included in the interface screen through the key input unit 2120 ( Or a payment means (or payment means) for a predetermined financial transaction (or electronic payment) is selected.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected from at least one financial means (or payment means) included in the interface screen, the specialized processor 2180 may execute the financial transaction ( Or an interface screen for selecting a predetermined financial transaction (or electronic payment) from at least one financial transaction (or electronic payment) that can be processed through the financial means (or payment means) for electronic payment. And outputting through the key input unit 2120, and waits for a predetermined financial transaction (or electronic payment) to be selected from at least one financial transaction (or electronic payment) included in the interface screen.

If a predetermined financial transaction (or electronic settlement) is selected from at least one financial transaction (or electronic settlement) included in the interface screen, the specialized processor 2180 may correspond to the selected financial transaction (or electronic settlement). And an interface screen for inputting at least one financial transaction (or electronic payment) information through the screen output unit 2115, wherein the information input unit 2185 is provided through the key input unit 2120. Financial transaction (or electronic payment) information corresponding to at least one financial transaction (or electronic payment) information item included in the interface screen is inputted.

For example, when the selected financial transaction (or electronic payment) withdraws a predetermined amount from the financial means (or payment means) for the financial transaction (or electronic payment) and transfers the account to a predetermined financial account, the information input unit. The financial transaction (or electronic settlement) information input through 2185 includes information on the amount of money to be withdrawn from the financial means (or payment means) for the financial transaction (or electronic settlement), and a deposit account to which the withdrawal amount is transferred. A number, a financial means (or payment means) password for the financial transaction (or electronic payment), a bank transfer password, and a security card corresponding to the financial means (or payment means) for the financial transaction (or electronic payment) It comprises at least one predetermined security card number of the plurality of security card numbers.

If the input of the financial transaction (or electronic payment) information is completed, the specialized processor 2180 may provide the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or Electronic payment) information is provided to the full text generation unit 2175.

The full text generation unit 2175 is a financial transaction (or electronic payment) including the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or electronic payment) information. The request message is generated, and the generated financial transaction (or electronic payment) request message is provided to the specialized processor 2180.

The specialized processor 2180 transmits the generated financial transaction (or electronic payment) request text to the ledger server 900, and the financial transaction (or electronic payment) for the ledger server 900. Full financial transaction (or electronic payment) full text including financial instrument (or payment instrument) information and predetermined financial transaction (or electronic settlement) history information corresponding to the input at least one financial transaction (or electronic settlement) information. Wait for it to be received.

If a predetermined financial transaction (or electronic settlement) full text including the financial transaction (or electronic settlement) history information is received, the specialized processing unit 2180 is financed included in the received financial transaction (or electronic settlement) telegram. Extracting transaction (or electronic payment) history information and outputting the extracted financial transaction (or electronic payment) history information through the screen output unit 2115.

According to an embodiment of the present invention, the received financial transaction (or electronic payment) specialty may correspond to the financial means (or payment means) information for the financial transaction (or electronic payment) and the financial transaction (or electronic payment) information. In addition to the financial transaction (or electronic payment) history information, at least one or more recent financial transaction (or electronic payment) history may be further included, and in this case, the specialized processor 2180 may receive the received at least one recent financial transaction. (Or electronic payment) details are preferably further included through the screen output unit 2115 to output.

In addition, the specialized processing unit 2180 may store the financial transaction (or electronic payment) history information extracted from the received financial transaction (or electronic payment) full text in the memory unit 2155 for a predetermined period of time, Thereby, various additional services such as the last transaction cancellation can be easily provided.

22 is a diagram illustrating an operation process of the IC card terminal 300 for financial transactions (or electronic payment) using the ledger-based financial IC card according to an embodiment of the present invention.

In more detail, Figure 22 illustrates an IC card associated with the ledger-based financial IC card according to the present invention inserted into the IC card terminal 300 shown in Figure 21, the IC card terminal 300 in the ledger-based As a method for initiating a financial transaction (or electronic payment) using a financial IC card, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. Although various implementation methods for initiating a financial transaction (or electronic payment) using the ledger-based financial IC card in the terminal 300 may be inferred, the present invention includes all the inferred implementation methods, It is not limited only to the implementation method shown.

For example, in FIG. 22, the operation mode checking process and the validity authentication process of the IC card terminal 300 may be reversed, and the validity authentication process may be performed according to the intention of the person skilled in the art in addition to the validity authentication using the PIN. It may be replaced by the validity authentication used.

In the following figure, the IC card terminal 300 is referred to as " terminal " for convenience.

Referring to FIG. 22, a terminal equipped with a financial transaction (or electronic payment) function using a ledger-based financial IC card according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (2200). When a predetermined IC card is inserted through the drug card reader (2205), the terminal outputs a predetermined operation mode selection interface screen, and the operation mode of the terminal is changed to the ledger-based finance through the operation mode selection interface screen. It is checked whether a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using an IC card is selected (2210).

If the operation mode of the terminal is not selected as the financial transaction (or electronic payment) mode for financial transaction (or electronic payment) using the ledger-based financial IC card according to the present invention (2215), the terminal is the IC The function corresponding to the selected operation mode is performed based on the card (2520).

On the other hand, if the operation mode of the terminal is selected as the financial transaction (or electronic payment) mode for financial transaction (or electronic payment) using the ledger-based financial IC card according to the present invention (2215), the terminal receives a predetermined PIN Outputting a validity authentication interface screen (e.g., a screen for requesting input of a predetermined PIN) to be used, wherein a predetermined PIN is input through the validity authentication interface screen, and at least Check that the validity of at least one financial instrument (or payment instrument) is authenticated (2225).

If the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is not authenticated (2230), the terminal outputs a predetermined validity authentication error message (2235). The financial transaction (or electronic payment) procedure using the ledger-based financial IC card is terminated.

On the other hand, if the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is authenticated (2230), then the terminal receives predetermined IC card specific information (and And / or read the financial IC card verification information (2240), and generate a predetermined financial instrument (or payment method) information request text including the read IC card unique information (and / or financial IC card verification information). (2245).

Thereafter, the terminal checks whether a communication channel is connected to the ledger server 900 to transmit / receive the full financial means (or payment means) information request message through the communication network (2250).

If a communication channel capable of transmitting and receiving the financial instrument (or payment means) information request message is not connected between the terminal and the ledger server 900 (2255), the terminal transmits the ledger server 900 through the communication network. And a predetermined communication channel capable of transmitting / receiving the full text of the financial means (or payment means) information request (2260).

On the other hand, when the communication channel capable of transmitting and receiving the financial instrument (or payment means) information request message between the terminal and the ledger server 900 is already connected (2255), or is connected through a communication channel connection procedure (2260). The terminal transmits the full financial means (or payment means) information request message to the ledger server 900 through the communication channel (2265), and the ledger server 900 performs the process as shown in FIG. The full text of the financial means (or payment means) information including at least one financial means (or payment means) information is transmitted to the terminal.

23 is a diagram illustrating an operation process of the ledger server 900 for financial transactions (or electronic payments) using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 23 is included in the full text instrument (or payment means) information request message in the ledger server 900 that receives the full text instrument (or payment means) information request message through the same process as in FIG. 22. Identify at least one or more financial means (or payment means) corresponding to the ledger-based financial IC card based on the IC card unique information (and / or financial IC card identification information) and at least one corresponding to the verified financial account The present invention relates to a method for generating a predetermined financial means (or payment means) information full text including information on the financial means (or payment means) and transmitting the IC card terminal 300 to the IC card terminal 300. If you have the knowledge of the IC card, the IC card included in the full text of the financial means (or payment means) information request in the ledger by referring to and / or modified in this figure 23 Identify at least one financial means (or payment means) corresponding to the ledger-based financial IC card based on the identification information (and / or financial IC card identification information) and at least one financial means corresponding to the verified financial account. It is possible to infer various implementation methods for generating a predetermined financial means (or payment means) information text including information (or payment means) information and transmitting them to the IC card terminal 300. It includes all the methods, it is not limited to the implementation method shown in FIG.

In the following figure, the IC card terminal 300 is referred to as "terminal" for convenience, and the ledger server 900 is referred to as "server" for convenience.

Referring to FIG. 23, a ledger server 900 equipped with a financial transaction (or electronic payment) processing function using a ledger-based financial IC card according to the present invention is provided with the financial means (or payment) from at least one terminal through the communication network. Means) periodically checks whether the full information request message is received (2300), and if the financial means (or payment means) information request text is received from a predetermined terminal (2305), the server determines the financial means (or payment). Means) read the full information request information to extract predetermined IC card unique information (and / or financial IC card identification information) (2310), and based on the extracted IC card unique information (and / or financial IC card identification information); The at least one ledger information matching the extracted IC card unique information (and / or financial IC card identification information) is retrieved from the ledger D / B by searching the ledger D / B with (2). 315).

If at least one ledger information matching the extracted IC card unique information (and / or financial IC card identification information) is retrieved from the ledger D / B (2320), the server determines the IC from the ledger D / B. At least one financial means (or payment means) information that matches card-specific information (and / or financial IC card identification information) (e.g., financial means (or payment means) information corresponding to a ledger-based financial IC card according to the present invention). ) (2325), generate a predetermined financial instrument (or payment instrument) information text including the extracted at least one financial instrument (or payment instrument) information (2330), and generate the financial instrument (or Payment means) transmits the full information to the terminal through the communication network (2335).

24 is a diagram illustrating an operation process of the IC card terminal 300 for financial transaction (or electronic payment) processing using the ledger-based financial IC card according to the embodiment of the present invention.

In more detail, FIG. 24 shows at least one of the financial means (or payment means) information contained in the full text of the financial means (or payment means) in the IC card terminal 300 which has received the full information of the financial means (or payment means) through the same process as in FIG. 23. The present invention relates to a method of processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention based on one or more financial means (or payment means) information, which is commonly known in the art. If the person having the present invention, the IC card terminal 300 based on at least one or more financial means (or payment means) information included in the full text of the financial means (or payment means) information in the IC card terminal 300, Although various implementation methods for processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention may be inferred, the present invention may be inferred from the above-described implementation. All the methods are included, and the present invention is not limited to the implementation method shown in FIG.

In the following figure, the IC card terminal 300 is referred to as " terminal " for convenience.

Referring to FIG. 24, a terminal that transmits the full financial means (or payment means) information request message to the ledger server 900 through the process illustrated in FIG. 22 may be transferred from the ledger server 900. Payment means) waits for a predetermined financial means (or payment means) information text including at least one financial means (or payment means) information to be received in response to the request for information (2400), if the ledger server 900 When a full financial means (or payment means) information including at least one financial means (or payment means) information is received through the process shown in FIG. 23 (2405), the terminal receives the financial means ( Or payment means) extracts at least one financial means (or payment means) information included in the full information, and the extracted at least one financial means (or payment means) information Outputs a predetermined financial means (or payment means) selection interface screen for selecting a financial means (or payment means) for financial transactions (or electronic payment) (2410), and displays the financial means (or payment means) selection interface screen In operation 2415, it is determined whether a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the financial means (or payment means) selection interface screen (2420), the terminal selects the selected financial transaction (or electronic payment). A predetermined financial transaction (or electronic payment) selection interface screen for selecting a predetermined financial transaction (or electronic payment) from at least one financial transaction (or electronic payment) that can be processed in correspondence with the financial means (or payment means) Output (2425) and check whether a predetermined financial transaction (or electronic payment) is selected to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) through the financial transaction (or electronic payment) interface screen (2430).

If a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) is selected through the financial transaction (or electronic payment) selection interface screen (2435), The terminal finances to input at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment). Output a transaction (or electronic payment) information input interface screen (2440), and process through the financial means (or payment means) for the financial transaction (or electronic payment) through the financial transaction (or electronic payment) information input interface screen. In operation 2445, at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be input is input.

If all financial transaction (or electronic settlement) information corresponding to a predetermined financial transaction (or electronic settlement) to be processed through the financial means (or electronic settlement) for the financial transaction (or electronic settlement) is input (2450), The terminal generates a full financial transaction (or electronic payment) request message including the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or electronic payment) information ( 2455) and transmits the generated financial transaction (or electronic payment) request message to the ledger server 900 through the communication network (2460).

25 is a diagram illustrating an operation process of the ledger server 900 for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 25 illustrates the financial transaction (or electronic payment) request in the ledger server 900 that receives the full financial transaction (or electronic payment) request message through the same process as in FIG. 24. The financial means through the financial means (or payment means) for the financial transaction (or electronic payment) based on the financial means (or payment means) information for the transaction (or electronic payment) and at least one financial transaction (or electronic payment) information. The present invention relates to a method of processing a financial transaction (or electronic payment) corresponding to transaction (or electronic payment) information. Those skilled in the art may refer to and / or modify the present invention. And at least one or more financial means (or payment means) information for the financial transaction (or electronic payment) included in the financial transaction (or electronic payment) request message in the ledger server 900. Processing a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) for the financial transaction (or electronic payment) based on the (or electronic payment) information. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the IC card terminal 300 is referred to as "terminal" for convenience in this figure 25, and the ledger server 900 is referred to as "server" for convenience.

Referring to FIG. 25, a ledger server 900 equipped with a financial transaction (or electronic payment) processing function using a ledger-based financial IC card according to the present invention is provided with the financial transaction (or electronic) from at least one terminal through the communication network. Payment) periodically checks whether a request message is received (2500), and if the financial transaction (or electronic payment) request message is received from a predetermined terminal (2505), the server performs the financial transaction (or electronic payment). Read the full request to extract the financial means (or payment means) information for a predetermined financial transaction (or electronic payment) and at least one financial transaction (or electronic payment) information (2510), and extract the extracted financial transaction (or electronic For financial transactions (or electronic settlement) in conjunction with the ledger D / B based on financial means (or payment means) information and at least one financial transaction (or electronic settlement) information. The financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information is processed through the financial means (or payment means) (2515).

If a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information is processed through the financial means (or payment means) for the financial transaction (or electronic payment) (2520), the server is the financial Generate predetermined financial transaction (or electronic payment) history information including the transaction (or electronic payment) processing result (2525), and convert the generated financial transaction (or electronic payment) history information to the financial data of the ledger D / B. A predetermined financial transaction (or electronic payment) including the financial transaction (or electronic payment) history information is stored and linked to the account ledger corresponding to the financial means (or payment means) for transaction (or electronic payment) (2530). A full text message is generated (2535), and the generated financial transaction (or electronic payment) full text message is transmitted to the terminal through the communication network (2540).

FIG. 26 is a diagram illustrating an operation process of the IC card terminal 300 for completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 23 illustrates at least one financial transaction included in the financial transaction (or electronic payment) message in the IC card terminal 300 that receives the financial transaction (or electronic payment) message through the same process as that of FIG. 23. The present invention relates to a method of completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention based on transaction (or electronic payment) history information, having a general knowledge in the technical field to which the present invention belongs. In the present invention, the present invention is based on at least one financial transaction (or electronic payment) history information included in the full text of the financial transaction (or electronic payment) in the IC card terminal 300 by referring to and / or modifying the present invention. Various implementation methods for completing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention may be inferred. Two included, and shall not be limited to the exemplary method shown in the figure 26.

In the following Figure 26, the IC card terminal 300 is referred to as "terminal" for convenience.

Referring to FIG. 26, the terminal that transmits the full financial transaction (or electronic payment) request to the ledger server 900 through the process illustrated in FIG. 24 may transmit the financial transaction (or electronically) from the ledger server 900. Payment) a predetermined financial transaction (or electronic payment) message containing at least one financial transaction (or electronic payment) history information is received in response to the request message (2600), if the ledger server (900) If a predetermined financial transaction (or electronic payment) full message including predetermined financial transaction (or electronic payment) history information including the financial transaction (or electronic payment) processing result is received through the process shown in FIG. 25 ( 2605), the terminal reads the financial transaction (or electronic payment) full text and the financial transaction (or electronic payment) history information included in the financial transaction (or electronic payment) full text on the terminal screen. Outputs and / or stores the financial transaction (or electronic payment) history information in the memory unit (2610).

In addition, the terminal prints and outputs the financial transaction (or electronic payment) history information included in the financial transaction (or electronic payment) full text through a predetermined printing device (2615), the ledger-based financial IC card according to the present invention Complete a financial transaction (or electronic payment) using.

According to the present invention, by storing the financial means (or payment means) stored in the conventional financial IC card in the ledger, there is an advantage that the information that can be stored in the financial IC card is infinitely increased and convenience is increased. There is an advantage of easily providing a variety of additional services through the free space of the card.

According to the present invention, by providing the financial IC card with the financial means (or payment means) in the ledger, the new issuance and / or renewal and / or termination procedure for the financial means (or payment means) is simplified.

According to the present invention, the financial IC card is not provided with a financial means (or payment means), thereby reducing the IC card issuance cost by using low-capacity materials.

Claims (1)

Process the first financial transaction (or payment) means to N (N = 2,3, .N) financial transaction (or payment) means information linked to the customer's IC card in association with the customer information and the customer IC card information A ledger database for storing or storing a plurality of financial transaction (or payment) means identifiers (or division values) for identifying each piece of information in the plurality of financial transaction (or payment) means information; When the customer requests specific financial transaction (or payment) means information through the automated device using the IC card, request information of the specific financial transaction (or payment) means information from the automated device that has verified the validity of the IC card. Financial transaction (or payment) means information that is received and linked or included with a specific financial transaction (or payment) means identifier (or a distinct value) requested by the automated device in association with the ledger database (or ledger database management means). Identifying and extracting, and the server for transmitting the extracted financial transaction (or payment) means information to the automated device; IC card management system comprising a.

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