KR20090001266U - Mobile Devices with Function of Electronic Remittance and Program Recording Medium - Google Patents

Abstract

The present invention provides a wireless terminal having a predetermined card reader unit and a wireless communication unit for connecting to a predetermined wireless communication network, wherein the card reader unit reads and inputs predetermined card information from a predetermined financial card and inputs a predetermined key. An information input unit for inputting a predetermined remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for a predetermined electronic remittance from the means, and the cash card information (or an account for which the read card information is available for a predetermined electronic remittance transaction); Information verification unit for verifying that the information includes at least one information, and if the card information includes the cash card information (or account information), the card information, remittance bank code, receiving bank code, remittance amount and A full text generation unit for generating an electronic money transfer request message including a payee account number, and the generation through the wireless communication network; A specialized transmission unit for transmitting an electronic money transfer request message to a predetermined electronic money transfer server, and a specialized receiving unit for receiving an electronic money transfer result message including predetermined electronic money transfer result information from the electronic money transfer server, and the received electronic money transfer result text. And a specialized processor configured to screen-print or print-out the included electronic money transfer result information.

 Electronic money transfer, wireless terminal, financial card

Description

Wireless terminal with electronic remittance function and recording medium therefor {Mobile Devices with Function of Electronic Remittance and Program Recording Medium}

1 is a view showing a functional configuration of a wireless terminal having an electronic money transfer function according to an embodiment of the present invention.

2 is a diagram illustrating a wireless terminal operation process for an electronic transfer processing according to an embodiment of the present invention.

3 is a view showing the configuration of the electronic transfer system between the party through a wireless terminal according to an embodiment of the present invention.

4 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to an embodiment of the present invention.

5 is a diagram illustrating a configuration of an electronic transfer system between parties through a wireless terminal according to an embodiment of the present invention.

6 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to an embodiment of the present invention.

7 is a diagram illustrating a functional configuration of a wireless terminal having an electronic money transfer function according to another embodiment of the present invention.

8 is a diagram illustrating a wireless terminal operation process for an electronic transfer processing according to another embodiment of the present invention.

9 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to another embodiment of the present invention.

10 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to another embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: battery

130: wireless communication unit 135: security application module

140: print output section 150: memory section

155: financial card 160: gateway

165: electronic money transfer server 170: financial company server

175: information input unit 180: information verification unit

185: professional generation unit 190: professional transmission unit

195: professional receiving unit 199: professional processing unit

The present invention provides a wireless terminal having a predetermined card reader unit and a wireless communication unit for connecting to a predetermined wireless communication network, wherein the card reader unit reads and inputs predetermined card information from a predetermined financial card and inputs a predetermined key. An information input unit for inputting a predetermined remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for a predetermined electronic remittance from the means, and the cash card information (or an account for which the read card information is available for a predetermined electronic remittance transaction); Information verification unit for verifying that the information includes at least one information, and if the card information includes the cash card information (or account information), the card information, remittance bank code, receiving bank code, remittance amount and A full text generation unit for generating an electronic money transfer request message including a payee account number, and the generation through the wireless communication network; A specialized transmission unit for transmitting an electronic money transfer request message to a predetermined electronic money transfer server, and a specialized receiving unit for receiving an electronic money transfer result message including predetermined electronic money transfer result information from the electronic money transfer server, and the received electronic money transfer result text. The present invention relates to a wireless terminal having an electronic money transfer function including a specialized processor configured to display or print out the electronic money transfer result information included therein.

Due to the rapid development of the information and communication infrastructure, the communication infrastructure is no longer a barrier to entry of services in financial transactions using the communication network, and only legal regulations play a role of service entry barrier.

Recently, as the issuance of financial cards through card media with high-level security functions such as IC (Integrated Circuit) cards has been expanded, unmanned financial terminals (eg, cash), which could only be installed and operated by commercial banks (or affiliated institutions), It is expected that various non-face-to-face financial transactions (eg, account inquiry, cash withdrawal, etc.) through automatic teller machines (ATMs) and cash dispensers (CDs) will also be possible through second financial institutions such as securities firms. do.

However, the unmanned financial terminal, which has been supplied to commercial banks (or affiliated institutions) in the past, includes technical problems that are difficult to use in the second financial sector. In particular, a non-face-to-face financial transaction through the unmanned financial terminal is used for the second financial sector. If the liquidity crisis occurs in any of the institutions of the second financial sector, this may have a fatal problem that may affect the entire banking sector.

In addition, in the case of the conventional unmanned financial terminal, most non-face-to-face financial transactions such as account inquiry, cash withdrawal, and bank transfer services were possible through the unmanned financial terminal provided in the commercial bank. The non-face-to-face financial transaction through the network includes a problem that the bank transfer service cannot be provided.

An object of the present invention for solving the above problems is a wireless communication unit connected to a predetermined card reader unit and a predetermined wireless communication network, and reads and inputs predetermined card information from a predetermined financial card through the card reader unit. An information input unit for inputting a predetermined remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for a predetermined electronic remittance from a predetermined key input means; An information verification unit for checking whether the card information includes at least one card information (or account information), and if the card information includes the cash card information (or account information), the card information, the remittance bank code, and the receiving bank. A full text generation unit for generating an electronic money request full text including a code, a remittance amount and a payee account number; A specialized transmission unit for transmitting the generated electronic money transfer request message to a predetermined electronic money transfer server through a network, and a specialized receiving unit for receiving an electronic money transfer result message including predetermined electronic money transfer result information from the electronic money transfer server; The present invention provides a wireless terminal having an electronic money transfer function including a professional processing unit for screen outputting or printing the electronic money transfer result information included in the electronic money transfer result message.

The wireless terminal having an electronic money transfer function according to the present invention includes a wireless communication unit for connecting a predetermined card reader unit and a predetermined wireless communication network, and reads predetermined card information from a predetermined financial card through the card reader unit. An information input unit for inputting a predetermined remittance bank code, a remittance bank code, a remittance amount, and a recipient account number for a predetermined electronic remittance from a predetermined key input means; An information verification unit for confirming whether the transaction includes at least one cash card information (or account information), and if the card information includes the cash card information (or account information), the card information and the remittance bank code. And a full text generation unit for generating a full text of the electronic money request request including a remittance bank code, a remittance amount and a remittee account number; A specialized transmission unit for transmitting the generated electronic money transfer request message to a predetermined electronic money transfer server through a communication network, and a specialized receiver for receiving an electronic money transfer result message including predetermined electronic money transfer result information from the electronic money transfer server; Characterized in that it comprises a specialized processing unit for screen output or print output the electronic money transfer result information included in the full electronic money transfer result.

According to the present invention, the wireless terminal having the electronic money transfer function further includes a memory unit for storing predetermined card verification information for verifying that the card information is cash card information (or account information) capable of the electronic money transfer transaction. Characterized in that made.

According to the present invention, the electronic money transfer server, characterized in that it comprises at least one or more predetermined bansa server associated with the wireless communication company server, or the wireless communication network.

On the other hand, the present invention includes a recording medium characterized by recording a program for realizing a radio terminal component having the above-described electronic money transfer function.

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 a preferred embodiment among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the following drawings and description. 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the general contents of the present invention.

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

In addition, the following examples will be used to properly modify, integrate, or separate the terms so that those skilled in the art to clearly understand the key technical features of the present invention can be clearly understood. However, this invention is not limited by this.

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

1 is a view showing a functional configuration of a wireless terminal having an electronic money transfer function according to an embodiment of the present invention.

In more detail, Figure 1 is an embodiment of a method for processing the electronic transfer through at least two professional transmission and reception in a predetermined wireless terminal (e.g., kiosk-type electronic transfer dedicated device) for the electronic transfer service, the present invention Those skilled in the art will be able to infer various radio terminal function configurations for the electronic money transfer service by referring to or modifying the present invention, but the technical features of the present invention are limited by the present invention. It is to be understood that the present invention includes all implementation methods deduced.

Referring to FIG. 1, a wireless terminal for an electronic money transfer service basically includes a control unit 105, a memory unit 150, a card reader unit 110, a key input unit 120, a screen output unit 115, and a wireless communication unit ( 130 and the security application module 135 and the financial company server 170 and the battery 125 for supplying power to the wireless terminal, and at least one terminal function unit (not shown) according to the intention of those skilled in the art It is made, including.

The control unit 105 controls the overall operation of the wireless terminal in the functional configuration, manages the flow of information (or data) between each component, mutually at least one or more components provided in the wireless terminal for the electronic transfer function At least one processor and an execution memory (for example, a register or a random access memory (RAM)) and a predetermined memory, which include a central processing unit (CPU) and a micro processing unit (MPU). And a bus for inputting and outputting data, and in addition, it is loaded from a predetermined recording medium into the execution memory in order to perform a function specific to a wireless terminal by software and is processed by the processor. Certain program routines or program data that are A predetermined program recorded on a recording medium provided in the wireless terminal, or a component which can be processed by software among the functional configurations provided in the wireless terminal, is shown in the controller 105). do.

According to an embodiment of the present invention, the control unit 105 is a component provided in the wireless terminal (for example, the memory unit 150, the card reader unit 110, the key input unit 120, and the screen output unit 115). ) And the wireless communication unit 130 and the security application module 135 and the financial company server 170 or a terminal function unit (not shown) according to the intention of the skilled person) to provide various additional functions defined in the wireless terminal. To control and manage, as well as to control the components provided in the wireless terminal for the electronic money transfer service according to the present invention, or to record on a recording medium provided in the wireless terminal for the electronic money transfer service It is desirable to run the program.

The memory unit 150 may input / output information (or data) when a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal is performed. Is a generic term for non-volatile memory for storage of hardware, and includes at least one or more storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory) or HDD (Hard Disk Drive). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 105 to perform a predetermined control function. do.

According to the implementation method of the present invention, the memory unit 150 is the card information (or account information) corresponding to the cash card capable of electronic transfer service is the card information that the wireless terminal reading through the card reader unit 110 It is desirable to store the card verification information for verifying the recognition.

Here, by reading the card number system of the card information read through the card reader unit 110, the card number (or account number) included in the card information is the cash card information (or account information) capable of electronic money transfer service As information for verifying identification, it is preferable to include at least one or more Bank Identification Number (BIN) information, a cash card number system reading information, or an account number system reading information corresponding to a cash card of each cash card issuing bank. Do.

The customer who receives the electronic money transfer service according to the present invention through the wireless terminal, the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC based on the ISO / IEC 7816 standard) Chip) or a financial card 155 including at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, and the card reader unit 110 Characterized in that to provide an interface for reading at least one or more card information provided in the financial card (155).

Here, the financial card 155 preferably comprises a cash card (or financial common network) for the electronic money transfer service.

According to an embodiment of the present invention, the card reader unit 110 is an MS reader unit providing an interface between the MS card and the wireless terminal, or a contact IC providing an interface between the contact IC card and the wireless terminal. Or a contactless IC reader for providing an interface between the contactless IC card and the wireless terminal.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized in that the interface of the predetermined card information from the at least one or more tracks provided in the MS of the MS card to the wireless terminal by using the loaded.

According to an embodiment of the present invention, the wireless terminal reads track data including at least one track I, track II, and track III of the MS provided in the financial IC card for the electronic money transfer service. It is preferable to read the card information corresponding to the predetermined cash card for.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. And supply power to the IC chip of the IC card through the contact point, and wirelessly transfer predetermined card information from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized in that the interface to the terminal.

According to an implementation method of the present invention, the wireless terminal corresponds to a predetermined cash card for the electronic money transfer service from the cash card storage information, or financial common network storage information provided in the financial IC card for the electronic money transfer service. It is desirable to read card information (or account information).

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card using capacitive coupling or inductive coupling. It comprises an antenna, and supplies power to the IC chip of the IC card through the antenna, and interfacing predetermined card information from the IC chip to the wireless terminal through the half duplex transaction using the APDU Characterized in that.

According to an implementation method of the present invention, the wireless terminal corresponds to a predetermined cash card for the electronic money transfer service from the cash card storage information, or financial common network storage information provided in the financial IC card for the electronic money transfer service. It is desirable to read card information (or account information).

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the terminal, and selects predetermined information from a predetermined key button provided in the key input device in a specific operation mode (or input mode) of the wireless terminal controlled by the controller 105. Or a signal), a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 105. A command for acquiring predetermined key data corresponding to the key event in the current operation mode (or input mode) of the wireless terminal, or executing a predetermined function matched with the key event. It is characterized by obtaining a word. The key input device including the key input unit 120 and at least one key button interwork with each other to perform a function of key input means provided in the wireless terminal.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to the implementation method of the present invention, the key input unit 120 is at least one or more key data (eg, bank code, remittance required for the electronic money transfer service providing process from the key input device for the electronic money transfer service according to the present invention) It is preferable to perform the function of the key input means for receiving the amount (receipt account number, etc.).

The screen output unit 115 includes a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 105 while the wireless terminal performs a predetermined function (for example, an electronic money transfer processing function). At least one or more information (or data) that is predefined or defined in real time to be output to a predetermined screen output device through a predefined interface screen, the screen output unit 115 and the screen output The devices interoperate with each other to perform the functions of the screen output means provided in the wireless terminal.

The predefined information (or data) to be output from the wireless terminal to the screen output device is stored or generated by key data input through the key input unit 120 or a component included in the wireless terminal. Information (or data), information (or data) transmitted and received through the wireless communication unit 130, or (or data) corresponding to a predetermined operation result performed by the wireless terminal.

According to a preferred embodiment of the present invention, the screen output unit 115 is a function of the screen output means for outputting the processing screen corresponding to the electronic money transfer service providing step to the screen output device for the electronic money transfer service according to the present invention It is preferable to carry out.

The wireless communication unit 130 connects the communication channel with the electronic money transfer server 165 through a predetermined wireless communication network in the process of performing the predetermined function (for example, the electronic money transfer function) of the wireless terminal. It comprises a communication protocol or driver for connecting the communication channel in software.

The wireless communication unit 130 includes at least one or more Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based mobile communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, an IEEE 802.161 based portable Internet, and the like. Characterized in that the communication channel and the communication channel connected to the electronic money transfer server 165 through a wireless communication network, comprising a modem (modem) or a wireless communication module for connecting the wireless terminal to the wireless communication network in hardware, And a communication protocol or driver for software to connect the wireless terminal to the wireless communication network.

According to an embodiment of the present invention, when a predetermined power is input and booted to the wireless terminal, the wireless communication unit 130 connects to a predetermined wireless communication network to which the wireless terminal is connected to perform a predetermined network authentication procedure. When the network authentication procedure is completed, it is preferable to access a predetermined electronic money transfer server 165 through a predetermined gateway provided in the wireless communication network.

According to the implementation method of the present invention, the electronic money transfer server 165 preferably comprises at least one or more telecommunication company server operating in the wireless communication company, or bansa server associated with the wireless communication network.

The Secure Application Module (SAM) 135 is a confidentiality, authentication or integrity required in the process of performing the electronic transfer function through the financial card 155 in the wireless terminal ( A security device for performing security requirements including Integrity or Nonrepudiation, etc. in a secure and reliable structure within the wireless terminal without using an authentication server (or a carrier server) on the communication network. Encrypts or decrypts a predetermined message (information or data) processed in the course of performing the predetermined security request function (e.g., electronic money transfer function), and adds an authenticator to prevent forgery (or tampering) of the message, Or storing important key information in the process of performing the security request function.

In general, the security application module 135 is preferably composed of a predetermined security application module 135 inserter and a security application module 135 chip, the security application module 135 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) or key required for the wireless terminal to perform a predetermined security request function (E.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation command). It is preferable to make it.

The financial institution server 170 outputs a predetermined variety of information (or data) generated by the wireless terminal to perform a predetermined function (for example, an electronic money transfer processing function) or as a result of the predetermined printing information according to a predetermined printing form. Characterized in that, the printing form preferably comprises at least one electronic transfer receipt.

Referring to FIG. 1, the wireless terminal obtains predetermined card information (or account information) for the electronic money transfer service from a customer card through the card reader 110 to provide an electronic money transfer service according to the present invention. An information input unit 175 for inputting a bank code, a remittance amount, a beneficiary account number, etc. for the electronic money transfer service from a predetermined key input unit through the key input unit 120; Information verification unit 180 for verifying the validity of the electronic transfer through the read card information (or account information) through the card verification information provided in 150, and the card information (or inputted through the information input unit 175) A full text generation unit 185 for generating an electronic money transfer request message including at least one or more of a bank code, a remittance amount information, a payee account number, and the like; and the wireless communication unit 130; Specialized transmission unit 190 for transmitting the generated electronic money transfer request telegram to the electronic money transfer server 165 and predetermined electronic money transfer information from the electronic money transfer server 165 through the wireless communication unit 130. And a key receiving unit 195 for receiving an electronic money transfer response message including an electronic transfer processing information included in the electronic money transfer response message in association with the screen output unit 115, and the key input unit 120. Input the electronic money transfer approval information in association with each other, generate an electronic money transfer approval message including the electronic money transfer approval information through the full text generation unit 185, and generate the generated electronic information through the full text transmission unit 190. After transmitting the full transfer approval message to the electronic money transfer server 165, the electronic money transfer message including the predetermined electronic money transfer result information from the electronic money transfer server 165 through the message receiving unit 195 And a specialized processing unit 199 for receiving the corresponding electronic money transfer result message and outputting the electronic money transfer result information included in the electronic money transfer result message in association with the screen output unit 115. The specialized processor 199 prints a predetermined electronic money receipt including the electronic money transfer result information in connection with the financial company server 170.

In order to provide the electronic money transfer service according to the present invention, the information input unit 175 is configured to process the electronic money transfer service from the financial card 155 through the card reader unit 110 for the electronic money transfer service. Characterized by reading the card information (or account information), characterized in that the input card information (or account information) is provided to the information verification unit 180.

According to an embodiment of the present invention, when the financial card 155 is an IC card, the information input unit 175 outputs a predetermined PIN (Personal Identification Number) input screen in association with the screen output unit 115 and When predetermined PIN information is input through the key input unit 120, the PIN information is provided to the IC card in association with the card reader unit 110, thereby reading the card information (or account information). It is desirable to perform a PIN authentication procedure.

In addition, the information input unit 175 inputs a bank code, a remittance amount, a payee account number, etc. for the electronic money transfer service from a predetermined key input means through the key input unit 120 to process the electronic money transfer service. Characterized in that, the input bank code, remittance amount, payee account number, etc. are provided to the full text generation unit 185.

According to an embodiment of the present invention, the information input unit 175 is preferably input the remittance bank code and the receiving bank code through the key input unit 120, the read through the card reader unit 110 If the card information (or account information) includes BIN information for identifying a bank code corresponding to the card information (or account information), inputting the remittance bank code through the key input unit 120 is omitted. The present invention is not limited thereto.

When predetermined card information (or account information) is read through the card reader unit 110, the information verification unit 180 may read the read card information through the card verification information stored in the memory unit 150. Or by reading account information), wherein the card information (or account information) includes cash card information (or account information) for the electronic money transfer service.

According to the implementation method of the present invention, the card verification information comprises at least one or more BIN information corresponding to the cash card for each cash card issuing bank, cash card number system reading information, account number system reading information, etc. Preferably, the card verification unit compares the BIN information included in the card information (or account information) read through the card reader unit 110 with the BIN information included in the card verification information, or compares the card information with the card information. Validate the electronic money transfer through the card information (or account information) by reading by inserting into the cash card number system included in the card verification information or by inserting the account number into the account number system included in the card verification information. It is desirable to verify.

According to an embodiment of the present invention, when the financial card 155 is an IC card, the card verification unit is provided with card issuing organization information (or IC chip unique information) provided in the IC card in association with the card reader 110. ) Or by confirming the customer real name number provided on the IC card, it is preferable to verify the validity of the electronic money transfer through the card information (or account information).

When the validity of the electronic money transfer through the card information (or account information) is verified by the information verifying unit 180, the full text generation unit 185 receives the card information (or account information) input through the information input unit 175. And a full remittance request code including at least one remittance bank code, remittance amount information, receivable bank code, and payee account number.

When the electronic money request message is generated by the text generation unit 185, the text transmission unit 190 transmits the generated electronic money transfer request text in association with the wireless communication unit 130 to the electronic money transfer server 165. The electronic money transfer server 165 receives the electronic money transfer request message through the wireless communication network and a predetermined gateway, and the card information (or account information) included in the electronic money transfer request message. It is preferable to transmit electronic remittance request information including at least one or more information about the remittance amount and the remittance bank code and the remittee account number to the financial company server 170 corresponding to the remittance bank code.

According to the implementation method of the present invention, it is preferable that the specialized transmission unit 190 encrypts the electronic remittance request telegram (or electronic remittance authorization telegram) by using at least one encryption method, and the present invention is based on the encryption scheme. It is not limited by.

According to an embodiment of the present invention, if the remittance bank code and the receiving bank code are the same, the financial institution server 170 transfers the remittance account corresponding to the card information (or account information) included in the electronic remittance request information. After checking the validity of the account and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount validity If the authentication, the financial institution server 170 preferably checks the validity of the receivable account for the payee account number.

According to another embodiment of the present invention, when the remittance bank code and the receiving bank code are different, the financial institution server 170 may determine a remittance account corresponding to the card information (or account information) included in the electronic remittance request information. After checking the validity of the remittance account, and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount If the validity is authenticated, the financial institution server 170 provides the remittance account information to the receiving financial institution server 170 corresponding to the receiving bank code through a predetermined financial settlement server, thereby allowing the financial institution server 170 to provide the remittance account information. After confirming the validity of the beneficiary account for the beneficiary account number, the beneficiary account company 170 from the beneficiary account; It is preferred to receive the validation information.

If both the remittance account validity, the remittance amount validity and the remittance account validity are both authenticated, the financial institution server 170 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic money transfer server 165, and the electronic money transfer server 165 transmits an electronic money transfer response message including the electronic money transfer processing information to the wireless terminal through the gateway and a wireless communication network. Do.

On the other hand, if at least one or more validity of the remittance account validity, the remittance amount validity and the receivable account validity is not authenticated, the financial institution server 170 generates the predetermined electronic remittance processing information including a predetermined electronic remittance error code and the The electronic money transfer server 165 transmits an electronic money transfer response message including the electronic money transfer processing information to the wireless terminal through the gateway and the wireless communication network.

When the electronic money transfer response message is transmitted from the electronic money transfer server 165 to the wireless terminal, the electronic receiver 195 transmits predetermined electronic money transfer information from the electronic money transfer server 165 through the wireless communication unit 130. Characterized in that to receive the full text message electronic transmission response.

According to the implementation method of the present invention, the full-text receiving unit 195 is the encrypted electronic transfer response full-text (or electronic transfer result) when the electronic transfer response full-text (or electronic transfer result full-text) is encrypted by at least one encryption method Full text), and the present invention is not limited to the decoding method.

The specialized processing unit 199 outputs electronic money transfer information included in the electronic money transfer response message in connection with the screen output unit 115, and the remittance account number and the amount of money to be sent to the electronic money transfer information. When at least one recipient account number and payee information are included, the specialized processor 199 further includes a user interface for inputting predetermined electronic money transfer approval information for the electronic money transfer processing.

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art It is possible to include at least one or more code information and one time password (OTP) code, and if the financial card 155 is an IC card equipped with a predetermined official certificate, further includes the official certificate authentication information It can be done.

When the electronic money transfer approval information is input through the key input unit 120, the professional processing unit 199 generates an electronic money transfer approval message including the electronic money transfer approval information through the text generation unit 185. The electronic money transfer approval message is transmitted to the electronic money transfer server 165 through the professional transmission unit 190. The electronic money transfer server 165 receives the electronic money transfer approval text. Preferably, the electronic money transfer approval information included in the electronic money transfer approval message is transmitted to the financial company server 170, and the financial company server 170 preferably checks the validity of the electronic money transfer approval information.

When the remittance bank code and the receiving bank code are the same according to an embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 170 withdraws the remittance amount from the remittance account. It is preferable to perform an account transfer transaction for depositing to a receivable account, and record the account transfer transaction details in a ledger corresponding to the remittance account, and then generate electronic remittance result information including the account transfer transaction details information. Sending to the transfer server 165, the electronic transfer server 165 preferably transmits the full electronic transfer result containing the electronic transfer result information to the wireless terminal.

When the remittance bank code and the receiving bank code are different according to another embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 170 withdraws the remittance amount from the remittance account. And performing an account transfer transaction for depositing the remittance amount into the beneficiary account in connection with the KFTC. The account transfer transaction history is recorded in the ledger corresponding to the remittance account. Generate and transmit the electronic money transfer result information including the information to the electronic money transfer server 165, wherein the electronic money transfer server 165 transmits the full electronic money transfer result information including the electronic money transfer result information to the wireless terminal. desirable.

When the electronic money transfer result message is transmitted from the electronic money transfer server 165 to the wireless terminal, the expert processing unit 199 transmits predetermined electronic money transfer result information from the electronic money transfer server 165 through the professional receiver 195. Receiving an electronic transfer result full text corresponding to the electronic transfer processing full message including a, characterized in that for outputting the electronic transfer result information included in the electronic transfer result full text in conjunction with the screen output unit 115.

In addition, the specialized processing unit 199 prints the electronic money transfer result information according to a predetermined printing form through the financial company server 170, and outputs a predetermined electronic money receipt.

2 is a diagram illustrating a wireless terminal operation process for the electronic transfer processing according to an embodiment of the present invention.

In more detail, Figure 2 is a wireless terminal 100 in the wireless terminal 100 shown in Figure 1 for the operation of the wireless terminal 100 to process a predetermined electronic transfer through at least two professional transmission and reception, the present invention Those skilled in the art will be able to infer various implementation methods for the operation of the wireless terminal 100 for the electronic money transfer process by referring to or modifying the present invention 2, but the present invention is inferred from all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the wireless terminal 100 shown in FIG. 1 requests a network authentication for the wireless communication network by accessing a predetermined wireless communication network to which the wireless terminal 100 is connected (200).

According to the implementation method of the present invention, it will be familiar with the network authentication procedure corresponding to each wireless communication network and its technical features, detailed description thereof will be omitted for convenience.

If the network authentication for the wireless terminal 100 is confirmed (205), the wireless terminal 100 reads predetermined card information (or account information) from the predetermined financial card 155 through a predetermined card reader. Check if it is (210).

If the predetermined card information (or account information) is not read through the card reader (215), the wireless terminal 100 inputs a predetermined bank code, remittance amount and receiving account number through a predetermined screen output means. The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited to be input through a predetermined key input means based on the user interface (230).

On the other hand, if predetermined card information (or account information) is read through the card reader (215), the wireless terminal 100 reads the read card information (or account information) to check the validity of the electronic money transfer ( 220).

According to an embodiment of the present invention, the wireless terminal 100 reads the read card information (or account information) through the card verification information stored in the memory unit 150 to read the card information (or account information). It is preferable to confirm the validity of the electronic money transfer by checking whether the payment information includes cash card information (or account information) for the electronic money transfer service.

The card verification information may include at least one or more BIN information corresponding to a cash card of each cash card issuing bank, a cash card number system reading information, or an account number system reading information. 100 compares the BIN information included in the card information (or account information) read through the card reader with the BIN information included in the card verification information, or the card information is included in the card verification information. It is preferable to verify the validity of the electronic money transfer through the card information (or account information) by reading the card number system by reading or by inserting the account number into the account number system included in the card verification information.

According to an embodiment of the present invention, when the financial card 155 is an IC card, the wireless terminal 100 is connected to the card reader card issuer information (or IC chip unique information) provided in the IC card It is preferable to verify the validity of the electronic money transfer through the card information (or account information) by reading or checking the customer real name number provided on the IC card.

If the electronic money transfer validity is not verified by reading the card information (or account information) (225), the wireless terminal 100 reads the card information (or account information) from the financial card 155 again. Repeat the process of validating the electronic money transfer.

On the other hand, if the validity of the electronic money transfer by reading the card information (or account information) (225), the wireless terminal 100 is a predetermined bank code, remittance amount, receiving account number through a predetermined screen output means The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (230).

If the bank code, the remittance amount, and the receiving account number are input through a predetermined key input means based on the user interface (235), the wireless terminal 100 transmits card information (or account information), bank code, and remittance. Generate an electronic money transfer request message including at least one or more amounts, an account number, etc. (240), and transmit the electronic money transfer request message to a predetermined electronic money transfer server 165 through a communication network to which the wireless terminal 100 is connected. And transmits a predetermined electronic money transfer response message including predetermined electronic money transfer processing information corresponding to the electronic money transfer request message from the electronic money transfer server 165 (245).

If a predetermined electronic money transfer response message including the electronic money transfer information is received from the electronic money transfer server 165 (250), the wireless terminal 100 is in response to the electronic money transfer information included in the electronic money transfer response message. Check the validity (255).

According to the implementation method of the present invention, when the electronic remittance processing information includes a valid remittance account number, remittance amount, remittance account number, payee information, the wireless terminal 100 is confirmed that the validity of the electronic remittance processing information In the case where the electronic money transfer information includes predetermined electronic money error information, it is preferable that the wireless terminal 100 processes that the validity of the electronic money transfer information has not been confirmed.

If the validity of the electronic transfer processing information is not confirmed (260), the wireless terminal 100 outputs electronic transfer error information included in the electronic transfer processing information (265). Terminate the procedure.

On the other hand, if the validity of the electronic transfer processing information is confirmed (260), the wireless terminal 100 is the electronic transfer processing information (for example, remittance account number, remittance amount, recipient account number, recipient information, etc.) and A user interface for inputting predetermined electronic money transfer approval information is displayed on the screen, and the electronic money transfer approval information is waited for input through the user interface (270).

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art It is possible to include at least one or more code information and one time password (OTP) code, and if the financial card 155 is an IC card equipped with a predetermined official certificate, further includes the official certificate authentication information It can be done.

If the electronic money transfer approval information is input through the user interface (275), the wireless terminal 100 generates a predetermined electronic money transfer approval message including the electronic money transfer approval information (280), the generated electronic The remittance approval message is transmitted to the electronic remittance server 165, and the electronic remittance server 165 receives a predetermined electronic remittance result message containing the predetermined remittance result information (285).

If the electronic money transfer result message is received from the electronic money transfer server 165 (290), the wireless terminal 100 outputs the electronic money transfer result information included in the electronic money transfer result message (295), and A predetermined electronic money receipt including the electronic money transfer result information is printed and output (299).

3 is a diagram showing the configuration of the electronic transfer system between the party through a wireless terminal according to an embodiment of the present invention.

In more detail, Figure 3 shows the remittance bank code and the receiving bank code included in the full electronic remittance request transmitted from a predetermined wireless terminal 300 includes the same bank code, the electronic through the wireless terminal 300 In the case where the remittance service includes an inter-party electronic money transfer service processed in the same financial institution server 315, the system configuration for providing the inter-party money transfer service, and the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the configuration of the electronic transfer system between the through the wireless terminal 300 by referring to or modifying the present Figure 3, the present invention includes all the implementation methods inferred It is made by, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the inter-party electronic remittance system through the wireless terminal 300 includes a predetermined wireless terminal 300 shown in FIG. 1 (or FIG. 5), a predetermined wireless terminal 300, and a predetermined wireless transmission. An electronic money transfer server 310 connected through a communication network and a gateway 305, and the electronic money transfer server 310 are connected through a predetermined communication network (eg, a dedicated network) and correspond to the remittance bank code (or a receiving bank code). And a financial company server 315, wherein the financial company server 315 corresponds to a remittance account corresponding to the card information (or account information) (or a receiving account corresponding to the receiving account number). It is preferable to comprise the ledger D / B provided with the ledger.

Figure 4 is a diagram showing the process of electronic transfer between the party through a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 4 is a mobile terminal 490 illustrated in FIG. 1 (for example, a wireless terminal 490 that processes a predetermined electronic transfer through at least two professional transmissions and receptions). Electronic remittance server by generating an electronic remittance request full text including at least one of predetermined card information (or account information), remittance bank code, remittance amount information, remittance bank code and recipient account number based on the interline electronic remittance system In step 495, the electronic money transfer server 495 processes the electronic money transfer request between the banks in association with a predetermined financial institution server 499, and then includes predetermined electronic money transfer information corresponding to the full text of the electronic money transfer request. Generates an electronic money transfer response message of the electronic device and transmits it to the wireless terminal 490, and generates an electronic money transfer approval message including predetermined electronic money transfer approval information from the wireless terminal 490. If the electronic money transfer server 495 transmits the electronic money transfer server 495 to the financial institution server 499, the electronic money transfer result information corresponding to the wire transfer transaction after approval and transfer of money between the banks is approved. When generating a predetermined electronic transfer result full text including the transmission to the wireless terminal 490, the process for outputting the electronic transfer receipt in the wireless terminal 490, which is common in the art Those skilled in the art will be able to infer various implementation methods for the inter-party electronic remittance process through the wireless terminal 490 by referring to or modifying the drawing 4, but the present invention includes all the implementation methods inferred. It is made by, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, when an error occurs in each step in describing the author remittance process between the drawings in Figure 4, the exception processing for the error will be omitted for convenience, it will be apparent that the present invention is not limited thereby. It is a bar.

Referring to FIG. 4, the wireless terminal 490 shown in FIG. 1 includes predetermined card information (or account information), remittance bank code, remittance amount information, remittance bank code, payee account number, etc. in a predetermined electronic remittance mode. Generate an electronic money transfer request message including at least one (400), and transmits the generated electronic money transfer request message to the electronic money transfer server (495) (405), and correspondingly the electronic money transfer server (495) Check the financial company server 499 corresponding to the remittance bank code included in the electronic money transfer request message, and the card information (or account information) and the remittance amount information included in the electronic money transfer request message to the financial company server 499. And transmits the electronic bank transfer request information including at least one or more such as the recipient bank code and the recipient account number (410).

The financial institution server 499 receiving the electronic money request information confirms the remittance account validity for the remittance account corresponding to the card information (or account information) included in the full text of the electronic money remittance request (415), and the remittance account validity. If it is confirmed, check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account (420), and if the remittance account validity and the remittance amount validity is verified, for the recipient account number Check the validity of the received account (425).

If both the remittance account validity, the remittance amount validity and the remittance account validity are both authenticated, the financial institution server 499 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information. Generate and transmit to the electronic money transfer server 495 (430), and the electronic money transfer server 495 generates an electronic money transfer response message including the electronic money transfer processing information and transmits it to the wireless terminal 490 ( 435).

Thereafter, the wireless terminal 490 inputs predetermined electronic money transfer approval information (440), generates a predetermined electronic money transfer approval message including the electronic money transfer approval information, and transmits it to the electronic money transfer server 495; 445, the electronic money transfer server 495 transmits the electronic money transfer approval information included in the electronic money transfer approval message to the financial company server 499 (450), and the financial company server 499 corresponds to the electronic money transfer. When the validity of the remittance approval information is confirmed (455), when the validity of the electronic remittance approval information is confirmed, withdraw the remittance amount from the remittance account to process an account transfer transaction for depositing the remittance account (460). After recording the transfer transaction history in the ledger corresponding to the remittance account (465), the electronic transfer result information including the transfer account transaction history information is generated and transferred to the electronic transfer server 495. Send (470).

The electronic money transfer server 495 transmits the full text of the electronic money transfer result including the electronic money transfer result information to the wireless terminal 490 (475). The screen outputs the electronic money transfer result information included (480) and prints and outputs a predetermined electronic money receipt including the electronic money transfer result information (485).

5 is a diagram illustrating a configuration of an electronic wire transfer system between parties through a wireless terminal according to an embodiment of the present invention.

In more detail, Figure 5 shows the remittance bank code and the receiving bank code included in the full electronic transfer request transmitted from a predetermined wireless terminal 500 comprises a different bank code, through the wireless terminal 500 When the electronic money transfer service includes an inter-party money transfer service that is processed through a predetermined financial settlement server 520 and two or more financial company servers 515 connected through a financial cooperative network, As for the system configuration, those skilled in the art to which the present invention belongs, infer various modification methods for the configuration of the inter-party electronic transfer system through the wireless terminal 500 by referring to or modifying the present invention. It may be possible, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical feature is not limited.

Referring to FIG. 5, the party-to-line electronic money transfer system through the wireless terminal 500 includes a predetermined wireless terminal 500 shown in FIG. 1 (or FIG. 5), a predetermined wireless terminal 500, and a predetermined wireless transmission. An electronic money transfer server 510 connected through a communication network and a gateway 505, and a financial company server 515 connected to the electronic money transfer server 510 through a predetermined communication network (eg, a dedicated network) and corresponding to the remittance bank code. And connects the beneficiary financial company server 525 corresponding to the beneficiary bank code, the financial company server 515 and the beneficiary financial company server 525 through a predetermined financial common network, and transfers funds (for example, the transfer amount). It is characterized in that it comprises a KFTC server 520 that provides a difference transfer) service.

Here, the financial company server 515 preferably comprises a ledger D / B having a ledger corresponding to the remittance account corresponding to the card information (or account information), the receiving financial company server 525 is the It is preferable to have a ledger D / B having a ledger corresponding to a receiving account corresponding to the receiving account number.

6 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to one embodiment of the present invention.

In more detail, FIG. 6 is a diagram of FIG. 5 in the wireless terminal 692 receiving financial company server 699 shown in FIG. 1, for example, a wireless terminal 692 that processes a predetermined electronic transfer through at least two specialized transmissions and receptions. Based on the inter-electronic remittance system shown in Figure 1, generate an electronic remittance request full text including at least one of predetermined card information (or account information), remittance bank code, remittance amount information, recipient bank code, and recipient account number, etc. If the electronic money transfer server 694 transmits the electronic money transfer request to the electronic money transfer server 694, the electronic money transfer server 694 processes the electronic money transfer request between the parties in connection with the predetermined financial company server 696, and then transfers the electronic money transfer information corresponding to the entire electronic money transfer request message. Generates a predetermined electronic money transfer response message including a message and transmits it to the wireless terminal 692, and the electronic money transfer approval information including the predetermined electronic money transfer approval information in the wireless terminal 692 When a full text is generated and transmitted to the electronic money transfer server 694, the electronic money transfer server 694 may be connected with the financial company server 696 to approve an electronic transfer between parties and transfer the account, and then correspond to the account transfer transaction. The present invention relates to a process of outputting the electronic money transfer receipt by generating a predetermined electronic money transfer result information including the electronic money transfer result information to the wireless terminal 692, and transmitting the electronic money receipt from the wireless terminal 692. Those skilled in the art will be able to infer various implementation methods for the inter-party electronic transfer process through the wireless terminal 692 by referring to or modifying the present Figure 6, but the present invention is inferred It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, when an error occurs in each step in the process of the author's remittance between the lines in FIG. 6, an exception handling process for the error will be omitted for convenience, but the present invention is not limited thereto. Two are.

Referring to FIG. 6, the wireless terminal 692 shown in FIG. 1 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code, payee account number, etc. in a predetermined electronic transfer mode. Generate an electronic money transfer request message including at least one (600), transmit the generated electronic money transfer request message to the electronic money transfer server (694) (605), and in response, the electronic money transfer server (694) Check the financial company server 696 corresponding to the remittance bank code included in the electronic money transfer request message, and the card information (or account information) and the remittance amount information included in the electronic money transfer request message to the financial company server 696. And the electronic bank transfer request information including at least one or more, including the recipient bank code and the recipient account number is transmitted (610).

The financial company server 696 receiving the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or account information) included in the electronic money request message (615), and the remittance account validity. If it is confirmed, check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account (620), and if the remittance account validity and the remittance amount validity is authenticated, a predetermined financial settlement server ( After providing the remittance account information to the beneficiary financial company server 699 corresponding to the beneficiary bank code through 698, the beneficiary financial company server 699 requests to confirm the validity of the receivable account for the beneficiary account number (625). ), Receiving the receivable account validity confirmation information from the receivable financial company server 699 to validate the receivable account for the payee account number Check (630).

If both the remittance account validity and the remittance amount validity and the receivable account validity are both authenticated, the financial institution server 696 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information. Generates and transmits the message to the electronic money transfer server 694 (635), and the electronic money transfer server 694 generates an electronic money transfer response message including the electronic money transfer processing information and transmits it to the wireless terminal 692. 640).

Thereafter, the wireless terminal 692 inputs predetermined electronic money transfer approval information (645), generates a predetermined electronic money transfer approval message including the electronic money transfer approval information, and transmits it to the electronic money transfer server 694 ( 650), the electronic money transfer server 694 transmits the electronic money transfer approval information included in the electronic money transfer approval message to the financial company server 696 (655), and in response, the financial company server 696 transmits the electronic money. When the validity of the remittance approval information is confirmed (660), and the validity of the electronic remittance approval information is confirmed, withdraw the remittance amount from the remittance account, and transfer the remittance amount in connection with the KFTC 698. An electronic transaction including the account transfer transaction history information after processing the bank transfer transaction for depositing the received account (665), recording the account transfer transaction history in the ledger corresponding to the remittance account (670); The transfer result information is generated and transmitted to the electronic money transfer server 694 (675).

The electronic money transfer server 694 transmits the full text of the electronic money transfer result including the electronic money transfer result information to the wireless terminal 692 (680). The electronic funds transfer result information is displayed on the screen (685), and a predetermined electronic money transfer receipt including the electronic money transfer result information is printed and output (690).

7 is a diagram illustrating a functional configuration of a wireless terminal having an electronic money transfer function according to another embodiment of the present invention.

In more detail, Figure 7 is an embodiment of a method for processing the electronic transfer through a single transmission and reception in a predetermined wireless terminal (e.g., kiosk-type electronic transfer dedicated device) for the electronic transfer service, the present invention Those skilled in the art will be able to infer various radio terminal function configurations for the electronic money transfer service by referring to or modifying the present invention, but the technical features of the present invention are not limited to the present invention. It is to be understood that the present invention includes all inferred methods.

Referring to FIG. 7, a wireless terminal for an electronic money transfer service basically includes a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, a screen output unit 715, and a wireless communication unit ( 730, the security application module 735, the print output unit 740 and the battery 725 for supplying power to the wireless terminal, and at least one terminal functional unit according to the intention of those skilled in the art (not shown) And the like.

The control unit 705 controls the overall operation of the wireless terminal in the functional configuration, manages the flow of information (or data) between each component, and at least one or more components provided in the wireless terminal for the electronic money transfer function At least one processor and an execution memory (e.g., a register or a random access memory (RAM)) and a predetermined hardware and / or hardware control system comprising a central processing unit (CPU) and a micro processing unit (MPU). And a bus for inputting and outputting data, and is loaded into the execution memory from a predetermined recording medium in order to perform a function specific to a wireless terminal by software and is operated by the processor. It includes any program routine or program data to be processed (hence the above for electronic transfer functions). A predetermined program recorded on a recording medium provided in the wireless terminal, or a component which can be processed in software among the functional configurations provided in the wireless terminal, as shown in the control unit 705). do.

According to an embodiment of the present invention, the control unit 705 is a component (for example, the memory unit 750, the card reader 710, the key input unit 720, and the screen output unit 715 included in the wireless terminal). ) And the wireless communication unit 730 and the security application module 735 and the print output unit 740 or a terminal function unit (not shown) according to the intention of the skilled person) to perform various additional functions defined in the wireless terminal. In addition to controlling and managing what is provided, to control the components provided in the wireless terminal for the electronic money transfer service according to the present invention, or to the recording medium provided in the wireless terminal for the electronic money transfer service It is preferable to execute the program to be recorded.

The memory unit 750 is a predetermined program routine (or code) or program data (for example, information (or data) input and output when an operation by the program routine (or code)) for controlling the overall operation of the wireless terminal. Is a generic term for non-volatile memory for storage of hardware, and includes at least one or more storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory) or HDD (Hard Disk Drive). And store predetermined program routines and program data (for example, data input or output for the program routine to perform a predetermined function) required by the controller 705 to perform a predetermined control function. do.

According to the implementation method of the present invention, the memory unit 750 is a card information (or account information) corresponding to the cash card that the electronic terminal is available for the electronic money transfer card information reading through the card reader unit 710 It is desirable to store the card verification information for verifying the recognition.

Here, by reading the card number system of the card information read through the card reader unit 710, the card number (or account number) included in the card information is available for electronic card transfer cash card information (or account information) As information for verifying identification, it is preferable to include at least one or more Bank Identification Number (BIN) information, a cash card number system reading information, or an account number system reading information corresponding to a cash card of each cash card issuing bank. Do.

The customer who receives the electronic money transfer service according to the present invention through the wireless terminal, the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC based on the ISO / IEC 7816 standard) Chip), or possesses (or owns) a financial card 755 including at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard, and the card reader unit 710 Characterized in that the interface for reading at least one or more card information provided in the financial card (755).

Here, the financial card 755 preferably comprises a cash card (or financial common network) for the electronic money transfer service.

According to an embodiment of the present invention, the card reader unit 710 is an MS reader unit providing an interface between the MS card and the wireless terminal, or a contact IC providing an interface between the contact IC card and the wireless terminal. Or a contactless IC reader for providing an interface between the contactless IC card and the wireless terminal.

The MS reader unit is a card reader unit 710 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized in that the interface of the predetermined card information from the at least one or more tracks provided in the MS of the MS card to the wireless terminal by using the loaded.

According to an embodiment of the present invention, the wireless terminal reads track data including at least one track I, track II, and track III of the MS provided in the financial IC card for the electronic money transfer service. It is preferable to read card information corresponding to a predetermined cash card.

The contact IC reader unit is a card reader unit 710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. And supply power to the IC chip of the IC card through the contact point, and wirelessly transfer predetermined card information from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized in that the interface to the terminal.

According to an implementation method of the present invention, the wireless terminal corresponds to a predetermined cash card for the electronic money transfer service from the cash card storage information, or financial common network storage information provided in the financial IC card for the electronic money transfer service. It is desirable to read card information (or account information).

The contactless IC reader unit is a card reader unit 710 based on ISO / IEC 14443. At least one contactless IC card may be in electrical contact with a contactless IC card by using capacitive coupling or inductive coupling. It comprises an antenna, and supplies power to the IC chip of the IC card through the antenna, and interfacing predetermined card information from the IC chip to the wireless terminal through the half duplex transaction using the APDU Characterized in that.

According to an implementation method of the present invention, the wireless terminal corresponds to a predetermined cash card for the electronic money transfer service from the cash card storage information, or financial common network storage information provided in the financial IC card for the electronic money transfer service. It is desirable to read card information (or account information).

The key input unit 720 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the terminal, and in a specific operation mode (or input mode) of the wireless terminal controlled by the controller 705, predetermined information (from a predetermined key button provided in the key input device) Or a signal), a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 705. A command that obtains predetermined key data corresponding to the key event in the current operation mode (or input mode) of the wireless terminal, or executes a predetermined function matched with the key event. Characterized in that for obtaining a control. The key input unit 720 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 wireless terminal.

The key input device interoperating with the key input unit 720 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 720 is at least one or more key data (for example, bank code, money transfer required for the electronic money transfer service providing process from the key input device for the electronic money transfer service according to the present invention) It is preferable to perform the function of the key input means for receiving the amount (receipt account number, etc.).

The screen output unit 715 includes a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 705 while the wireless terminal performs a predetermined function (for example, an electronic money transfer processing function). At least one or more information (or data) that is predefined or defined in real time to be output to a predetermined screen output device, through a predefined interface screen, the screen output unit 715 and the screen output Devices interoperate with each other to perform the functions of screen output means provided in the wireless terminal.

The predefined information (or data) to be output from the wireless terminal to the screen output device is stored or generated by key data input through the key input unit 720 or a component included in the wireless terminal. Information (or data), information (or data) transmitted and received through the wireless communication unit 730, or (or data) corresponding to a predetermined operation result performed by the wireless terminal.

According to a preferred embodiment of the present invention, the screen output unit 715 is a function of the screen output means for outputting a processing screen corresponding to the electronic money transfer service providing step to the screen output device for the electronic money transfer service according to the present invention It is preferable to carry out.

The wireless communication unit 730 connects the communication channel with the electronic money transfer server 765 through a predetermined wireless communication network in the process of performing the predetermined function (for example, the electronic money transfer function). It comprises a communication protocol or driver for connecting the communication channel in software.

The wireless communication unit 730 includes at least one of a code division multiple access (CDMA) / wide-CDMA (WCDMA) based mobile communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, and an IEEE 802.167 based portable Internet. It characterized in that the communication channel and the communication channel connected to the electronic money transfer server 765 through a wireless communication network, comprising a modem (modem) or a wireless communication module for connecting the wireless terminal to the wireless communication network in hardware, And a communication protocol or driver for software to connect the wireless terminal to the wireless communication network.

According to an embodiment of the present invention, when a predetermined power is input and booted to the wireless terminal, the wireless communication unit 730 accesses a predetermined wireless communication network to which the wireless terminal is connected, and performs a predetermined network authentication procedure. When the network authentication procedure is completed, it is preferable to access a predetermined electronic money transfer server 765 through a predetermined gateway 760 provided in the wireless communication network.

According to the implementation method of the present invention, the electronic money transfer server 765 preferably comprises at least one or more telecommunication company server operating in the wireless communication company, or bansa server associated with the wireless communication network.

The secure application module (735) is a confidentiality, authentication, or integrity required in the process of performing the electronic money transfer function through the financial card 755 in the wireless terminal. Or a security device for performing a security requirement including nonrepudiation, etc. in a secure and reliable structure within the wireless terminal without using an authentication server (or a carrier server) on a communication network. Encrypts or decrypts a predetermined message (information, data) processed in the course of performing a predetermined security request function (e.g., electronic money transfer function), adds an authenticator to prevent forgery (or tampering) of the message, or In the process of performing the security request function, it characterized in that it performs a function for storing important information.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 735 is at least one or more security application data (eg, at least one or more identifier, version, expiration date, issue date, code value, etc.) or key required for the wireless terminal to perform a predetermined security request function (E.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation command). It is preferable to make it.

The print output unit 740 outputs various kinds of information (or data) generated as a result of the wireless terminal performing a predetermined function (for example, an electronic money transfer processing function) or as a result according to a predetermined printing form. Characterized in that the print form is preferably made of at least one including the electronic transfer receipt.

Referring to FIG. 7, the wireless terminal obtains predetermined card information (or account information) for the electronic money transfer service from a customer card through the card reader 710 in order to provide an electronic money transfer service according to the present invention. A predetermined code corresponding to a bank code, a remittance amount, a payee account number, and the card information (or account number) for the electronic money transfer service from a predetermined key input means through a key input unit 720 An information input unit 775 for inputting electronic money transfer approval information and the like, and an information verification unit for verifying the validity of the electronic money transfer through the read card information (or account information) through the card verification information provided in the memory unit 750. 780, the card information (or account information) input through the information input unit 775, the bank code, the remittance amount information, the payee account number and electronic transfer authentication information, etc. A full text generation unit 785 for generating a full text transfer request message including one or more, and a full text transfer unit for transmitting the generated full amount of the electronic money transfer request message to the electronic money transfer server 765 in association with the wireless communication unit 730; 790, a professional receiver 795 for receiving an electronic money transfer result message including predetermined electronic money transfer result information from the electronic money transfer server 765 through the wireless communication unit 730, and the screen output unit 715. And an information output unit 799 for outputting electronic money transfer result information included in the electronic money transfer response message in association with the electronic money transfer response information. The information output unit 799 is connected to the print output unit. And printing a predetermined electronic money receipt including the money transfer result information.

In order to provide the electronic money transfer service according to the present invention, the information input unit 775 may process the electronic money transfer service from the financial card 755 through the card reader 710 to process the electronic money transfer service. The card information (or account information) is read and inputted, and the input card information (or account information) is provided to the information verification unit 780.

According to an embodiment of the present invention, when the financial card 755 is an IC card, the information input unit 775 outputs a predetermined PIN (Personal Identification Number) input screen in association with the screen output unit 715. When predetermined PIN information is input through the key input unit 720, the PIN information is provided to the IC card in association with the card reader unit 710 to read the card information (or account information). It is desirable to perform a PIN authentication procedure.

In addition, the information input unit 775 inputs a bank code, a remittance amount, a beneficiary account number, etc. for the electronic money transfer service from a predetermined key input means through the key input unit 720 to process the electronic money transfer service. Characterized in that, the input bank code, the remittance amount, the recipient account number, etc. are provided to the full text generation unit 785.

According to the exemplary embodiment of the present invention, the information input unit 775 may input the remittance bank code and the receiving bank code through the key input unit 720, and the reading is performed through the card reader unit 710. When card information (or account information) includes BIN information for identifying a bank code corresponding to the card information (or account information), inputting the remittance bank code through the key input unit 720 is omitted. The present invention is not limited thereto.

In addition, the information input unit 775 receives predetermined electronic money transfer approval information corresponding to the card information (or account information) from a predetermined key input means through the key input unit 720 to process the electronic money transfer service. Characterized in that the input, the electronic money transfer approval information is provided to the full text generation unit 785.

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art Code information and at least one OTP (One Time Password) code may be further included. If the financial card 755 is an IC card provided with a predetermined certificate, the certificate further includes the authentication information It can be done.

When predetermined card information (or account information) is read through the card reader unit 710, the information verification unit 780 may read the read card information through the card verification information stored in the memory unit 750. Or by reading the account information), and checking whether the card information (or account information) includes cash card information (or account information) for the electronic money transfer service.

According to the implementation method of the present invention, the card verification information comprises at least one or more BIN information corresponding to the cash card for each cash card issuing bank, cash card number system reading information, account number system reading information, etc. Preferably, the card verification unit compares the BIN information included in the card information (or account information) read through the card reader unit 710 with the BIN information included in the card verification information, or compares the card information. Validate the electronic money transfer through the card information (or account information) by reading by inserting into the cash card number system included in the card verification information or by inserting the account number into the account number system included in the card verification information. It is desirable to verify.

According to an embodiment of the present invention, when the financial card 755 is an IC card, the card verification unit is provided with the card issuing organization information (or IC chip unique information) provided in the IC card in association with the card reader 710. ) Or by confirming the customer real name number provided on the IC card, it is preferable to verify the validity of the electronic money transfer through the card information (or account information).

When the validity of the electronic money transfer through the card information (or account information) is verified by the information verification unit 780, the full text generation unit 785 is the card information (or account) input through the information input unit 775 Information), a remittance bank code, a remittance amount information, a remittance bank code, a remittee account number, and the electronic remittance request information including at least one or more of the electronic remittance request information.

When the electronic money request message is generated by the text generation unit 785, the text transmission unit 790 links the generated electronic money transfer request text with the wireless communication unit 730 to the electronic money transfer server 765. The electronic money transfer server 765 receives the electronic money transfer request message through the wireless communication network and a predetermined gateway 760, and the card information (or account) included in the electronic money transfer request message. Information), electronic funds request information including at least one or more of the remittance amount information, the receiving bank code and the recipient account number, etc., to the financial company server 770 corresponding to the remitting bank code.

According to the implementation method of the present invention, the specialized transmission unit 790 preferably transmits the electronic money transfer request by encrypting at least one encryption method, the present invention is not limited by the encryption method.

According to an embodiment of the present invention, when the remittance bank code and the receiving bank code are the same, the financial institution server 770 transfers money to a remittance account corresponding to the card information (or account information) included in the electronic remittance request information. After checking the validity of the account and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount validity If the authentication, the financial institution server 770 is preferably to check the validity of the receivable account for the payee account number.

According to another embodiment of the present invention, when the remittance bank code and the remittance bank code are different, the financial institution server 770 may determine a remittance account corresponding to card information (or account information) included in the electronic remittance request information. After checking the validity of the remittance account, and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount If the validity is authenticated, the financial institution server 770 provides the remittance account information to the receiving financial institution server 770 corresponding to the receiving bank code through a predetermined financial settlement server, thereby allowing the financial institution server 770 to provide the remittance account information. After confirming the validity of the beneficiary account for the beneficiary account number, the beneficiary financial company server (770) from the beneficiary account It is desirable to receive validation information.

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 770 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic money transfer server 765, in which case the electronic money transfer server 765 preferably transmits the electronic money transfer approval information included in the electronic money transfer request message to the financial company server 770. .

On the other hand, if at least one or more validity of the remittance account validity, the remittance amount validity and the receivable account validity is not authenticated, the financial institution server 770 generates the predetermined electronic remittance result information including a predetermined electronic remittance error code The electronic money transfer server 765 transmits the electronic money transfer result message including the electronic money transfer result information to the wireless terminal through the gateway 760 and a wireless communication network. .

If the electronic money transfer server 765 transmits the electronic money transfer approval information to the financial company server 770, the financial company server 770 may check the validity of the electronic money transfer approval information.

When the remittance bank code and the receiving bank code are the same according to an embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 770 withdraws the remittance amount from the remittance account. It is preferable to perform an account transfer transaction for depositing to a receivable account, and record the account transfer transaction details in a ledger corresponding to the remittance account, and then generate electronic remittance result information including the account transfer transaction details information. Sending to the transfer server 765, the electronic transfer server 765 preferably transmits the full electronic transfer result including the electronic transfer result information to the wireless terminal through the gateway 760 and a wireless communication network.

When the remittance bank code and the receiving bank code are different according to another embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 770 withdraws the remittance amount from the remittance account. And performing an account transfer transaction for depositing the remittance amount into the beneficiary account in connection with the KFTC. The account transfer transaction history is recorded in the ledger corresponding to the remittance account. Generate and transmit the electronic money transfer result information including the information to the electronic money transfer server 765, and the electronic money transfer server 765 wirelessly transmits the entire electronic money transfer result information including the electronic money transfer result information to the gateway 760. It is preferable to transmit to the wireless terminal through a communication network.

When the electronic money transfer result message is transmitted from the electronic money transfer server 765 to the wireless terminal, the information receiver corresponds to the electronic money transfer message including the predetermined electronic money transfer result information from the electronic money transfer server 765. Characterized in that the entire electronic money transfer results.

According to an embodiment of the present invention, when the full text message is encrypted by at least one encryption method, the full text receiver 795 preferably decrypts the encrypted full text message, and the present invention decrypts the full text message. It is not limited by the method.

Thereafter, the information output unit 799 outputs electronic money transfer result information included in the electronic money transfer result message in association with the screen output unit 715.

In addition, the information output unit 799 prints the electronic money transfer result information according to a predetermined printing form through the print output unit 740, and outputs a predetermined electronic money receipt.

8 is a diagram illustrating a wireless terminal operation process for an electronic transfer processing according to another embodiment of the present invention.

In more detail, FIG. 8 is for the operation of the wireless terminal 700 to process a predetermined electronic transfer through one professional transmission and reception in the wireless terminal 700 shown in FIG. 7, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for the operation of the wireless terminal 700 for the electronic money transfer process by referring to or modifying the drawing 8, but the present invention is all inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the wireless terminal 700 illustrated in FIG. 1 requests a network authentication for the wireless communication network by accessing a predetermined wireless communication network to which the wireless terminal 700 is connected (800).

According to the implementation method of the present invention, it will be familiar with the network authentication procedure corresponding to each wireless communication network and its technical features, detailed description thereof will be omitted for convenience.

If network authentication for the wireless terminal 700 is confirmed (805), the wireless terminal 700 reads predetermined card information (or account information) from the predetermined financial card 755 through a predetermined card reader. Check if it is (810).

If the predetermined card information (or account information) is not read through the card reader (815), the wireless terminal 700 enters a predetermined bank code, a remittance amount and a receiving account number through a predetermined screen output means. The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (830).

On the other hand, if predetermined card information (or account information) is read through the card reader (815), the wireless terminal 700 reads the read card information (or account information) to check the validity of the electronic money transfer ( 820).

According to an embodiment of the present invention, the wireless terminal 700 reads the read card information (or account information) through the card verification information stored in the memory unit 750 to read the card information (or account information). It is preferable to confirm the validity of the electronic money transfer by checking whether the payment information includes cash card information (or account information) for the electronic money transfer service.

The card verification information may include at least one or more BIN information corresponding to a cash card of each cash card issuing bank, a cash card number system reading information, or an account number system reading information. 700 may compare the BIN information included in the card information (or account information) read through the card reader with the BIN information included in the card verification information, or the card information may include cash included in the card verification information. It is preferable to verify the validity of the electronic money transfer through the card information (or account information) by reading the card number system by reading or by inserting the account number into the account number system included in the card verification information.

According to an embodiment of the present invention, when the financial card 755 is an IC card, the wireless terminal 700 is linked to the card reader card issuer information (or IC chip unique information) provided in the IC card It is preferable to verify the validity of the electronic money transfer through the card information (or account information) by reading or checking the customer real name number provided on the IC card.

If the electronic money validity is not verified by reading the card information (or account information) (825), the wireless terminal 700 reads the card information (or account information) from the financial card 755 again. Repeat the process of validating the electronic money transfer.

On the other hand, when the electronic money validity is authenticated by reading the card information (or account information) (825), the wireless terminal 700 enters a predetermined bank code, a remittance amount and a receiving account number through a predetermined screen output means. The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (830).

If the bank code, the remittance amount and the receiving account number are input through a predetermined key input means based on the user interface (835), the wireless terminal 700 enters a user interface for inputting predetermined electronic money transfer approval information. The screen is output and the electronic money transfer approval information is awaited through the user interface (840).

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art Code information and at least one OTP (One Time Password) code may be further included. If the financial card 755 is an IC card provided with a predetermined certificate, the certificate further includes the authentication information It can be done.

If the electronic money transfer approval information is input through the user interface (845), the wireless terminal 700 includes at least card information (or account information), a bank code, a transfer amount, a receiving account number, and electronic money transfer approval information. Generate a full text transfer request message containing one or more (850), and transmits the full electronic money transfer request message to a predetermined electronic money transfer server 765 through a communication network connected to the wireless terminal 700, the electronic money transfer server ( In operation 855, a predetermined electronic money transfer result message including predetermined electronic money transfer result information corresponding to the electronic money transfer request message is received.

If the electronic money transfer result message is received from the electronic money transfer server 765 (860), the wireless terminal 700 outputs the electronic money transfer result information included in the electronic money transfer result message (865), and the A predetermined electronic money receipt containing the electronic money transfer result information is printed and output (870).

9 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates the interstate electronic shown in FIG. 3 in the wireless terminal 980 illustrated in FIG. 7 (for example, a wireless terminal 980 that processes a predetermined electronic transmission through one full-text transmission and reception). Based on the remittance system, an electronic remittance request message including at least one of predetermined card information (or account information), remittance bank code, remittance amount information, receivable bank code, payee account number, and electronic remittance authentication information is generated and electronically generated. When transmitting to the remittance server 985, the electronic remittance server 985, in conjunction with a predetermined financial institution server 990 to process the intermittent electronic transfer request, and approves the intermittent electronic transfer through the electronic transfer authentication information and account After the transfer process, if a predetermined electronic money transfer result message including the electronic money transfer result information corresponding to the bank transfer transaction is generated and transmitted to the wireless terminal 980, the wireless terminal 9 Regarding the process of outputting the electronic money receipt in 80), those skilled in the art to which the present invention pertains, the electronic money transfer between the party through the wireless terminal 980 by referring to or modifying the present figure 9 Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, when an error occurs in each step in the process of author remittance between the authors in this figure 9, the exception handling process for the error is described for convenience, but it is clearly revealed that the present invention is not limited thereto. It is a bar.

Referring to FIG. 9, the wireless terminal 980 shown in FIG. 7 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code, payee account number, and the like in a predetermined electronic money transfer mode. Generate an electronic money transfer request message including at least one electronic money transfer approval information (900), and transmit the generated electronic money transfer request message to the electronic money transfer server 985 (905), and correspondingly the electronic money transfer The server 985 checks the financial company server 990 corresponding to the remittance bank code included in the electronic money transfer request message, and the card information (or account information) included in the electronic money transfer request message to the financial company server 990. ) And electronic money transfer request information including at least one or more of the remittance amount information, the receiving bank code, and the recipient account number (910).

The financial institution server 990 which has received the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or account information) included in the full text of the electronic money request (915) and the remittance account validity. If it is confirmed, check the remittance amount validity to confirm whether the amount corresponding to the remittance amount information is deposited in the remittance account (920), and if the remittance account validity and the remittance amount validity is verified, for the payee account number Check the validity of the receivable account (925).

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 990 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic money transfer server 985, and the electronic money transfer server 985 reads the electronic money transfer processing information to determine whether the electronic money transfer validity is authenticated (935).

According to the implementation method of the present invention, the electronic money transfer server 985 checks that the electronic money transfer validity is authenticated when the electronic money transfer information includes a valid remittance account number, a remittance amount, a remittance account number and a remittee information. It is desirable to.

Thereafter, the electronic money transfer server 985 transmits the electronic money transfer approval information included in the electronic money transfer request message to the financial company server 990 (940), and in response, the financial company server 990 transmits the electronic money transfer. When the validity of the approval information is confirmed (945), when the validity of the electronic money transfer approval information is confirmed, withdraw the remittance amount from the remittance account to process an account transfer transaction for depositing the received account (950), After recording the account transfer transaction details in the ledger corresponding to the remittance account (955), the electronic money transfer result information including the account transfer transaction history information is generated and transmitted to the electronic money transfer server 985 (960).

The electronic money transfer server 985 transmits the entire electronic money transfer result message including the electronic money transfer result information to the wireless terminal 980 (965). In response, the wireless terminal 980 transmits the electronic money transfer result text to the electronic money transfer result message. The electronic funds transfer result information is output on the screen (970), and a predetermined electronic transfer receipt including the electronic money transfer result information is printed and output (975).

10 is a diagram illustrating a process of electronic transfer between parties through a wireless terminal according to another embodiment of the present invention.

In more detail, FIG. 10 shows the electronic terminal 1085 shown in FIG. 7 in the wireless terminal 1085 shown in FIG. 7 (for example, a wireless terminal 1085 that processes a predetermined electronic transmission through one full-text transmission and reception). Based on the remittance system, an electronic remittance request message including at least one of predetermined card information (or account information), remittance bank code, remittance amount information, receivable bank code, payee account number, and electronic remittance authentication information is generated and electronically generated. When transmitting to the remittance server 1087, the electronic remittance server 1087 in conjunction with a predetermined financial institution server 1090 processes the inter-party electronic transfer request, and approves and transfers the inter-party electronic transfer through the electronic transfer authentication information After the transfer processing, if a predetermined electronic money transfer result message including the electronic money transfer result information corresponding to the bank transfer transaction is generated and transmitted to the wireless terminal 1085, the Regarding the process of outputting the electronic money receipt in the terminal 1085, if one of ordinary skill in the art to which the present invention belongs, referring to or modifying the present figure 10 and the other end through the wireless terminal 1085 It will be able to infer various implementation methods for the interline electronic transfer process, but the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, when an error occurs in each step in the process of the remittance between the authors in this figure 10, an exception handling process for the error will be omitted for convenience, but it will be clearly understood that the present invention is not limited thereto. It is a bar.

Referring to FIG. 10, the wireless terminal 1085 shown in FIG. 7 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code, payee account number, and the like in a predetermined electronic money transfer mode. Generate an electronic money transfer request message including at least one electronic money transfer approval information (1000), and transmit the generated electronic money transfer request message to the electronic money transfer server (1087) (1005), and correspondingly the electronic money transfer The server 1087 checks the financial company server 1090 corresponding to the remittance bank code included in the electronic money request message, and the card information (or account information) included in the electronic money request message to the financial company server 1090. And electronic money transfer request information including at least one transfer amount information, a receiving bank code, and a payee account number (1010).

The financial institution server 1090 receiving the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or the account information) included in the full text of the electronic money request (1015), and the remittance account validity. When the check is confirmed, the remittance amount validity confirms whether the amount corresponding to the remittance amount information is deposited in the remittance account (1020), and if the remittance account validity and the remittance amount validity is verified, a predetermined financial settlement server ( After providing the remittance account information to the beneficiary financial company server 1097 corresponding to the beneficiary bank code through 1095, the beneficiary financial company server 1097 requests to confirm the validity of the receivable account for the beneficiary account number (1025). ), Receiving the receivable account validity confirmation information from the receivable financial company server 1097 and having a receivable account for the payee account number Check the Castle (1030).

If both the remittance account validity, the remittance amount validity and the remittance account validity are both authenticated, the financial institution server 1090 is electronic remittance processing information including at least one remittance account number, remittance amount, remittance account number, payee information Generates and transmits the data to the electronic money transfer server 1087 (1035), and the electronic money transfer server 1087 reads the electronic money transfer processing information to check whether the electronic money transfer validity is authenticated (1040).

According to the implementation method of the present invention, the electronic money transfer server 1087 confirms that the electronic money transfer validity is authenticated when the electronic money transfer information includes a valid remittance account number, a remittance amount, a remittance account number and a remittee information. It is desirable to.

Thereafter, the electronic money transfer server 1087 transmits the electronic money transfer approval information included in the electronic money transfer request message to the financial company server 1090 (1045), and the financial company server 1090 correspondingly transmits the electronic money transfer. When the validity of the approval information is confirmed (1050), and the validity of the electronic money transfer approval information is confirmed, withdraw the remittance amount from the remittance account, and relate the remittance amount to the FSS server 1095. After processing a bank transfer transaction for depositing a receivable account (1055), recording the bank transfer transaction details in the ledger corresponding to the remittance account (1060), and generates electronic money transfer result information including the bank transfer transaction history information. And transmits the data to the electronic money transfer server 1087 (1065).

The electronic money transfer server 1087 transmits the electronic money transfer result message including the electronic money transfer result information to the wireless terminal 1085 (1070), and correspondingly, the wireless terminal 1085 transmits the electronic money transfer result message to the electronic money transfer result message. The electronic funds transfer result information is displayed on a screen (1075), and a predetermined electronic transfer receipt including the electronic money transfer result information is printed and output (1080).

According to the present invention, a door-to-door salesperson, a courier delivery engineer, a securities trading customer, etc., who have to process a money transfer frequently, have an inexpensive electronic money transfer terminal, so that the wireless terminal does not visit a branch of a bank (or an unknown point). Through this, there is an advantage of using a real-time electronic money transfer service conveniently.

Claims (4)

In a wireless terminal having a predetermined card reader unit and a wireless communication unit for connecting to a predetermined wireless communication network, The card reader unit reads and inputs predetermined card information from a predetermined financial card, and inputs a predetermined remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for a predetermined electronic transfer from a predetermined key input means. An information input unit to input; An information verification unit for confirming whether the read card information includes at least one or more cash card information (or account information) capable of a predetermined electronic transfer transaction; If the card information includes the cash card information (or account information) as a result of the verification, a full text generation for generating an electronic money request message including the card information, the remittance bank code, the remittance bank code, the remittance amount and the remittee account number; part; A specialized transmission unit for transmitting the generated electronic money transfer request message to a predetermined electronic money transfer server through the wireless communication network; And A full text receiving unit for receiving a full text of the electronic money transfer result including predetermined electronic money transfer result information from the electronic money transfer server; And And a specialized processor configured to display or print out the electronic money transfer result information included in the received electronic money transfer result message. The method of claim 1, And a memory unit configured to store predetermined card verification information for verifying that the card information is cash card information (or account information) capable of the electronic money transfer transaction. The method of claim 1, wherein the electronic money transfer server, And a at least one predetermined bansa server associated with the wireless telecommunication company server or the wireless telecommunication network. A recording medium which records a program for realizing the terminal configuration section of claim 1.

Images