KR20090012897A - Method and system for providing financial service by using electronic wallet apparatus, integration electronic wallet server, electronic wallet supportive terminal - Google Patents

Abstract

A method and a system for providing a financial service by using an electronic wallet apparatus, an integration electronic wallet server, and an electronic wallet supporting finance transaction terminal are provided to manage the financial service, which plural financial institutions provide through difference interfaces, with one integrated interface by using the integration electronic wallet server, and provide a specific financial service, which a use requests, in real time or at regular intervals in the form of a banner inserted into a separate window or a home page. By operating an equipped e-wallet program, an electronic wallet apparatus(110) manages, stores, and delivers user financial information. The electronic wallet apparatus demands a financial service, and receives and displays the process result. A user terminal(130) receives the user financial information from the electronic wallet apparatus. The user terminal connects to an integration electronic wallet server(150) for user authentication. The integration electronic wallet server provides a standard interface for the use of various finance services which a financial institution server(160) provides. A financial institution terminal(170) operates with the financial institution server and registers the user information for the new issuing of the electronic wallet apparatus. The financial institution terminal provides the interface for the new issuing of the electronic wallet apparatus to a person in charge of a financial institution.

Description

Method and System for Providing Financial Service by Using Electronic Wallet Apparatus, Integration Electronic Wallet Server, Electronic Wallet Supportive Terminal}

The present invention relates to a method and system for providing a financial service using an electronic wallet device, an integrated electronic wallet server, and an electronic wallet supporting financial transaction terminal. More specifically, an electronic wallet device including a smart card unit, a flash memory unit, and a communication unit is used to connect to a plurality of financial institution servers and to manage personal or corporate financial information in an integrated manner. Using a single interface to manage financial services provided by different financial institutions through different interfaces, and the specific financial services requested by users in the form of a banner inserted into a separate window or home page in real time or schedule. Another purpose is to provide a periodical, electronic wallet device and integrated electronic wallet that enables users to selectively use a variety of financial services of various financial institutions by simply providing an electronic wallet device using the electronic wallet support financial transaction terminal Server and electronic wallet support financial transaction terminal It relates to a method used to provide financial services and systems.

Electronic financial transactions using the Internet are evolving to provide users with ease and convenience due to the rapid development of internet technology, technical improvement of internet security programs, and efforts to improve customer service of each financial institution.

Recently, all financial institutions have introduced user authentication based on accredited certificates, and have secured a certain level of safety and reliability in electronic banking or electronic commerce by using encryption and digital signature between server and user computer using public key method. The certificate stored in the form of a file on the hard disk or auxiliary storage device can be easily copied or taken over electronically. As a supplementary method, a security card with dozens of passwords written by customers depending on the financial institution or one-time password generator for transactions Also provide.

These methods are not only very cumbersome from the user's point of view, but also have a problem in that the order and method applied to each financial institution are different, which causes a lot of confusion for the user.

Therefore, it is difficult for an individual or a company to manage and trade accounts scattered among various financial institutions, and it is inconvenient to possess several certificates, such as a certificate, a security card, and a one-time password generator for each financial institution. This occurred.

In other words, in the past, in order to use Internet banking in an office, home or other places, it was possible to carry and use the official certificate of each financial institution on a USB memory device, but this could be lost or lost. There was a possibility of duplication.

In addition, by adding a simple program to a simple USB memory device, there is an attempt to conveniently store Internet certificates and login IDs and passwords, but it is basically based on HTML (Hyper Text Mark-up Language). This is just a level that automatically inputs the corresponding ID or password into the input window of the web page. In other words, it is not a tightly coupled method with a financial institution server but a method of inputting pre-stored data into a user input window as it is exposed to spyware, thereby revealing many security problems.

In addition, there is a case where a program known as a Personal Finance Management System (PFMS) is conventionally used. Also, by collecting a user's financial information scattered in a plurality of financial institutions by using a previously input ID and password, etc. It helps to manage. However, most of these also apply a screen scraping method that reads or writes a specific part of the HTML screen to provide a simple inquiry function, and this method also exposes various security problems to financial institutions. Scraping will be blocked in the near future, making it difficult to apply.

Recently, there is a case of storing a certificate in a USB token or a smart card as a method of storing a more secure certificate, but it is used only for simple storage due to insufficient application or standardization. to be.

In addition, the conventional method can be used for the purpose of a user accessing a financial service system using a user terminal (computer), analyzing information such as existing financial service details, and establishing a new financial plan using the analysis result. Although there is a method, it is available only in the user terminal (computer) in which the user terminal banking program of the user has a disadvantage in that the portable and mobile are limited.

Such a conventional financial service system provided various financial services through internet banking or user terminal banking through a home page independently established by each financial institution or financial service agency providing financial services, but provided by each financial institution. The user interface or the method of authenticating the user were different.

Therefore, when a user opens an account with a plurality of financial institutions, the user should access each home page of each financial institution or financial service agency to perform authentication in different ways and request financial services through different user interfaces. For this reason, it was cumbersome to understand the different user interfaces and how to use them.

In addition, in order to use a financial transaction through an ATM (Automatic Teller Machine / CD: Cash Dispenser) provided in a conventional financial institution, a user carries a plastic card such as a credit card or a cash card, and if necessary, Inserted into ATM or CD, selected desired financial transaction, pressed account password, and conducted financial transactions such as account inquiry, deposit / withdrawal and transfer.

However, many people have multiple credit cards, and it is common to have multiple financial institutions that deal with them. Because it is necessary to carry a large number of plastic cards such as credit cards and cash cards, it is not only cumbersome to carry them. Corresponding passwords must be managed or memorized one by one, especially if the wallet is lost, various cards stored in the wallet are also lost and may be used or duplicated by others, causing financial damage.

On the other hand, financial institutions incur costs each time they issue a plastic card. In the past, financial institutions sometimes issued them free of charge, but now they are paying the card issuance fee. The use burden is increasing.

In order to solve the above problems, the present invention, by using an electronic wallet device having a smart card unit, a flash memory unit and a communication unit connected to a plurality of financial institution server, the purpose of the integrated management of personal or corporate financial information The integrated electronic wallet server is used to manage financial services provided by different financial institutions through different interfaces in one unified interface and to insert specific financial services requested by the user in a separate window or home page. Another purpose is to provide a real-time or a fixed cycle in the form of a banner, and by using an electronic wallet-supported financial transaction terminal, users can selectively use a variety of financial services of various financial institutions simply by providing an electronic wallet device. Electronic wallet device, integrated electronic wallet server and electronic paper The purpose of the present invention is to provide a method and system for providing financial services using a financial transaction terminal.

In order to achieve the above object, the present invention, in a system for providing a financial service, comprises a flash memory unit, a smart card unit and a communication unit, and manages various financial information of the user by operating the provided electronic wallet program An electronic wallet device for storing and providing the financial service; Wired and wireless communication network for providing a wired and wireless communication path; A user terminal connected to the electronic wallet device through a provided communication port and providing the financial service via the wired / wireless communication network; Issuing, registering, and authenticating the electronic wallet device to newly issue the electronic wallet device to the user, when the electronic wallet device is connected through the wired / wireless communication network, after authenticating the electronic wallet device, One or more financial institution servers providing the financial services; And a financial institution terminal providing an interface for issuing and registering the electronic wallet apparatus in association with the financial institution server.

In addition, according to another object of the present invention, an electronic wallet device for storing the user's financial information, wallet wallet identification number (WIN), personal identification number (PIN) and electronic wallet program, user terminal And a financial institution server, wherein the financial service providing method using the financial institution server comprises: (a) when the electronic wallet program accesses the financial institution server, the financial institution server connects the electronic wallet program. Requesting the electronic wallet unique number to the e-wallet; (b) receiving, by the financial institution server, the financial service request from the electronic wallet program when the electronic wallet unique number is registered; (c) the financial institution server processing the financial service; And (d) informing the electronic wallet device of a result of the processing of the financial service by the financial institution server.

In addition, according to another object of the present invention, in the system for providing financial services in conjunction with at least one financial institution server, including a flash memory unit, a smart card unit and a USB interface, by driving the provided electronic wallet program An electronic wallet device for managing / storing / delivering user financial information, requesting the financial service, and receiving a processing result of the financial service; A user terminal connected to the electronic wallet device and provided with a standard interface when the electronic wallet program is driven to provide the financial service provided by the financial institution server; Wired and wireless communication network for providing a wired and wireless communication path; And providing the standard interface to the user terminal through the wired / wireless communication network, authenticating the user, and requesting the financial service through the standard interface from the user, and interworking with the financial institution server. Provides a system for providing a financial service using an electronic wallet device and an integrated electronic wallet server, characterized in that it comprises an integrated electronic wallet server to process the service and transmit the results.

In addition, according to another object of the present invention, a system for providing a financial service, comprising a flash memory unit, a smart card unit and a communication unit, and manages various financial information of the user by operating the provided electronic wallet program / An electronic wallet device for storing and providing the financial service; Wired and wireless communication network for providing a wired and wireless communication path; Issuing, registering, and authenticating the electronic wallet device to newly issue the electronic wallet device to the user; when the electronic wallet device is connected through the wired / wireless communication network, the electronic wallet device is authenticated. One or more financial institution servers providing financial services; And an electronic wallet support terminal for driving the provided electronic wallet support program to process the financial service in association with the electronic wallet program of the electronic wallet device. Provide a system for providing financial services.

As described above, according to the present invention, an electronic wallet device having a smart card unit, a flash memory unit, and a USB terminal can be used to manage the financial information of an individual or a company after being connected to a plurality of financial institution servers. It has an effect.

In addition, the integrated electronic wallet server manages the financial services provided by different financial institutions through different interfaces in one unified interface, and the banner in which a specific financial service requested by the user is inserted into a separate window or home page. There is an effect that can be provided in the form of real-time or at regular intervals.

By using an electronic wallet-supported financial transaction terminal, a user can selectively use various financial services of various financial institutions by simply providing an electronic wallet device.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is a block diagram schematically illustrating a system for providing an electronic wallet service according to the first, second, and third preferred embodiments of the present invention.

The system for providing an electronic wallet service according to the first preferred embodiment of the present invention includes an electronic wallet device 110, an electronic wallet support financial transaction terminal 120, a user terminal 130, a wired / wireless communication network 140, and integrated electronics. The wallet server 150, the financial institution server 160, and the financial institution terminal 170 are included.

The electronic wallet device 110 includes a flash memory unit, a smart card unit, and a USB interface. When the electronic wallet device 110 is connected to the user terminal 130, the electronic wallet device 110 manages / stores / transfers user financial information by driving an electronic wallet program. Requesting financial services, receiving and displaying processing results;

Here, a detailed description of the internal configuration of the electronic wallet device 110 will be described with reference to FIG. 2 below.

Electronic wallet-assisted financial transaction terminal 120 according to a third embodiment of the present invention is a device having an input and output means and performing basic financial transactions, wired and wireless card payment terminal, electronic cash register (POS) ), Including all financial automation equipment such as ATMs and CDs, bill acceptors, and other vending machines such as ticket vending machines, beverages, books, and telephone cards.

Here, a detailed description of the internal configuration of the electronic wallet support financial transaction terminal 120 will be described with reference to FIG. 7 below.

The user terminal 130 receives the user financial information from the electronic wallet device 110, accesses the integrated electronic wallet server 150, authenticates the user, and provides a financial institution through a standard interface provided by the integrated electronic wallet server 150. A user device for using various financial services provided by the server 160. Accordingly, the user terminal 130 is a personal computer (PC), a personal digital assistant (PDA) and a mobile communication terminal that can be connected to the integrated electronic wallet server 150 via the wired / wireless communication network 140. And various computer devices such as a mobile communication terminal.

The wired / wireless communication network 140 provides a wired / wireless communication path between the user terminal 130 and the integrated electronic wallet server 150, and various services existing in the TCP / IP protocol and its upper layers, namely, HTTP, Telnet, FTP, DNS, In addition to the general Internet network including the global open computer network structure that provides SMTP, SNTP, NFS and NIS, high speed wireless data communication network such as Wibro or HSDPA (High Speed Downlink Packet Access), telephone network or mobile communication network It is a network that provides various wired and wireless communication methods.

The integrated electronic wallet server 150 according to the second embodiment of the present invention provides a standard interface to the user terminal 130 via the wired / wireless communication network 140, authenticates the user, and authenticates the standard interface from the authenticated user. In response to a request for a financial service received through the integrated electronic wallet service through interworking with the financial institution server 160 that provides the financial service.

To this end, the integrated electronic wallet server 150 is an electronic wallet device authentication module and user authentication module for performing authentication of the user and electronic wallet device 110, electronic wallet program management module for managing the electronic wallet program, the user requests It includes a financial service processing module for processing a financial service, a message module for analyzing a request of the financial service.

The integrated electronic wallet server 150 according to the second preferred embodiment of the present invention uses a financial service used by a user to access a home page of each financial institution by using a different authentication method and a different user interface for each financial institution. Through the standard interface provided by the server 150 performs a function of providing a financial service provided by a plurality of financial institutions in a unified interface. To this end, the integrated electronic wallet server 150 transmits and receives a pocket banking standard message with the user terminal 130 as shown in FIG. 3, and with each financial institution server 160, a financial institution message of a form suitable for each financial institution. Perform communication by transmitting and receiving.

The financial institution server 160 may include a plurality of internet banking servers (not shown), an electronic financial server (not shown), and an accounting server including a first financial institution server, a second financial institution server, and a third financial institution server. Not shown), and these, in conjunction with the integrated electronic wallet server 150 performs a function to provide a variety of financial services.

The financial institution terminal 170 is newly issued of the electronic wallet apparatus 110 to the person in charge of the financial institution in order to perform registration of user information for new issuance of the electronic wallet apparatus 110 in conjunction with the financial institution server 160. Provides an interface for

As an example of the issuance of the electronic wallet device 110, when a user visits a financial institution directly and confirms his / her identity, and writes an agreement for using the electronic wallet device 110, the financial institution server 160 in the electronic wallet The unique number (WIN), ID, resident registration number and withdrawal account list are registered in the electronic wallet device 110, and the user can receive the electronic wallet device 110 after directly inputting the PIN using a pin pad or the like. will be.

2 is a block diagram schematically showing the electronic wallet device according to the first embodiment of the present invention.

The electronic wallet device 110 according to the first embodiment of the present invention includes a flash memory unit 210, a smart card unit 260 and a communication unit 280, the financial transaction information and finance of an individual or company An electronic wallet program for storing / managing security data for transactions is stored, and the flash memory unit 210 and the smart card unit 260 are connected to the communication port of the user terminal through one communication unit 280, and the present invention. It is characterized by providing an electronic wallet service.

In this case, the user terminal includes various computer devices, and includes a personal computer (PC) and a personal digital assistant (PDA) capable of accessing a financial institution server through a wired / wireless communication network such as the Internet or an internal network of a financial institution. , Including a mobile communication terminal, a set-top box, etc., means any computer device having a communication port, an input / output device, and its own computing function.

In addition, the electronic wallet device 110 of the present invention can be manufactured in the form of a USB memory stick, which is a general portable storage device, anyone can easily and conveniently carry, and is equipped with a USB port on most computers equipped with USB It is possible to use through the interface.

Accordingly, the communication unit 280 of the present invention is preferably implemented in the form of a USB terminal supporting a USB interface, but is not limited thereto. Various wired and wireless communication methods capable of performing communication with a user terminal, for example, It can be implemented by various methods such as a method using a serial port and a parallel communication port of a computer, a method using a wireless communication such as Bluetooth, ZigBee.

The flash memory unit 210 of the present invention includes a program area 220 and a data area 250, and the user terminal 130 recognizes the electronic wallet program as an external disk that uses a USB interface. Mount.

Here, the flash memory unit 210 may include a CF card (Compact Flash), an SM card (Smart Media), a memory stick (Memory Stick), an MMC card (Multimedia Card), a micro drive, a micro driver, an XD picture card, and an SD card. One or more types of (Secure Digital Card) may be used, but this is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains will not depart from the essential characteristics of the present invention. Various modifications and variations will be applicable without departing from the scope thereof.

The wallet unique number (WIN) and the personal identification number (PIN) entered by the user are the unique numbers of the electronic wallet device 110. Input is possible only when initially registering or issuing 110 and is encrypted in the smart card unit 260 and securely stored in the internal memory 264 area.

Electronic wallet unique number (WIN) stored in the electronic wallet device 110, the electronic through the authentication / confirmation with the electronic wallet unique number (WIN) registered in the financial institution server 160 when the user performs the financial service It is used to authenticate the wallet device 110, the personal identification number (PIN) is used to check and authenticate whether the user is a legitimate user when the user accesses the electronic wallet device 110 to the user terminal 130. That is, the electronic wallet program 230 in the electronic wallet device 110 of the present invention operates only when the user inputs a correct personal identification number (PIN).

Here, the electronic wallet unique number (WIN) includes one or more of bank code, branch code, policy code, user's social security number, user identification code, initial registration code, status code and unique number and may be composed of numbers or letters. . For example, the electronic wallet unique number (WIN) can be used by combining a chip UID, a user ID, a randomized unique number, or a sequential number or a random number, and can be a sequential number or a random number. Since all can be used, a unique electronic wallet unique number (WIN) is given to each user, the electronic wallet unique number (WIN) issued to a specified user will not be available to others.

The self-encrypted internal memory 264 of the smart card unit 260 stores account information, card information, user certificate, and various passwords for the user to access each financial institution (or financial service agency) server 160. When registered in the area, the electronic wallet program 230 uses this data to access the financial institution server 160 of each financial institution or to automatically or manually process a sequential financial transaction.

The program area 220 of the flash memory unit 210 stores an electronic wallet program 230 for providing an electronic wallet service of the present invention, and the electronic wallet program 230 includes a basic module 232 and an electronic wallet management module. 234, a smart card management module 236, a data processing module 238, an integrated financial management module 240, and a financial transaction processing module 242.

The electronic wallet program 230 of the present invention is connected to the financial institution server 160 of each financial institution (or financial service agency), and stores each of the financial institutions stored in the data area 250 of the flash memory unit 210. Using screen information and financial transaction processing procedures, the same financial services of multiple financial institutions can be processed through the same screen and input procedures according to a user's command. For this purpose, communication with each financial institution server 160 or a separate standardized financial institution server is defined by a message-oriented XML (eXtended Mark-up Language) or electronic wallet system rather than the existing Hyper Text Transfer Protocol (HTTP) method. Use standard full text.

In addition, the electronic wallet program 230 uses a control object for moving a screen, an icon, and a menu for a user interface of the user terminal 130 from the data area 250 of the flash memory unit 210. . Accordingly, a screen or menu for automatically or manually recognizing that the user connects to the desired user terminal 130 and accessing a wired / wireless communication network 140 such as the Internet to process a financial service or query information of an electronic wallet. A control element for movement is selected and operated in the data area 250.

The electronic wallet program 230 inputs a command or data for requesting a financial service, and includes a pocket banking standard message (PBSM) including financial institution information, user authentication information, and financial service request information that provides the financial service. Generates a Pocket Banking Standard Message and transmits it to the user terminal 130, and the user terminal 130 transmits it to the integrated electronic wallet server 150 via the wired / wireless communication network 140. The integrated electronic wallet server 150 analyzes the financial institution information included in the received pocket banking standard message and requests the corresponding financial institution server 160 to process the financial service requested by the user.

The basic module 232 is a program module that is initially driven in response to various user terminals (computer devices). That is, the electronic wallet device 110 recognizes the computing environment or automatically executes the electronic wallet device 110 of the present invention to the counterpart computer device so that the electronic wallet program 230 can be automatically executed according to the type of the computer device to which the electronic wallet device 110 of the present invention is connected. It performs the function of recognizing, and checks the Personal Identification Number (PIN) of the electronic wallet device 110 to activate the program of the next step.

The electronic wallet management module 234 automatically checks the version of the electronic wallet program 230 when the version (Version) of the electronic wallet program 230 is changed through a wired or wireless communication network such as the Internet, and then changes the update. This module updates.

The smart card management module 236 is connected to the processor 262 of the smart card unit 260 through the smart card interface and stored in a variety of financial information that is stored in the smart card unit 260, that is, certificate, account information, card information It is a module that can register, save, delete and search user information and smart card information.

The data processing module 238 manages screen data, transaction and result data, encrypted data, various message data, log data for record management, etc., which are required when a user performs a financial transaction through the electronic wallet service of the present invention. This module can be searched.

The integrated financial management module 240 comprehensively manages and outputs financial information of users interspersed with a plurality of financial institutions, and provides various analyzes such as statistical information such as frequency of use, amount, and service type of each financial institution. In addition, the user performs financial processing such as collection, money transfer, or the like according to a rule predefined by the user.

Financial transaction processing module 242 is the electronic wallet device 110 of the present invention, a variety of computer devices that support the USB interface, that is, a personal computer, personal portable information terminal, mobile communication terminal, card payment terminal, electronic cash register, set-top box It is connected to financial teller machines such as cash terminal, cash dispenser, ATM, utility bill acceptor, etc., and it is connected to the financial transaction processing module of the financial institution server when the user uses various financial services such as banking, stock trading, money trading and electronic commerce. Module to process financial transactions requested by users.

The data area 250 of the flash memory unit 210 includes various screen data 252 required for each financial transaction when the electronic wallet device 110 of the present invention is connected to various financial institution servers to provide various financial services. Financial transaction data 254 for storing financial transaction details, processing results and usage history logs, information for identifying various computer devices, and computer device-specific data 256 for storing input / output device information of each computer device, and individuals. It consists of user setting data 258 for storing environment setting information and various user-specified content, etc., and manages and stores a certain portion of the flash memory unit 210 in accordance with the storage data.

In addition, the flash memory unit 210 may store data related to a program area and a user interface for storing the electronic wallet program 230, financial transaction data of the user, device data for connecting to the user terminal 130, and contents of the user. It includes a data area for storing related data.

In the flash memory unit 210 of the present invention, an area (memory) remaining in addition to the program area 220 and the data area 250 is a storage means for storing various data (document, image / music / video file, etc.) for the user's convenience. It can be used.

The smart card unit 260 of the present invention includes a smart card chip, and the smart card chip includes an internal memory 264 composed of its own CPU processor 262, RAM, ROM, and EEPROM, and an encryption assisting CPU. 266, a data management module 268 for managing data in the internal memory 264, and a communication module 270 that supports general USB interface communication are microchips configured as one chip.

The smart card unit 260 includes a public key infrastructure (PKI) method and a secret key method encryption algorithm by mounting a chip operating system (COS) and a memory for storing user financial information. It is configured to include an area, and the memory area stores a Wallet Identification Number (WIN) and a Personal Identification Number (PIN).

Here, the electronic wallet unique number and personal identification number is generated only when the electronic wallet device 110 is issued and used for authentication of the user.

In addition, the user financial information means financial institution information, official certificate, account information, card information, user information and smart card information, etc., financial services are account inquiry / transfer, credit card usage history, payment bill inquiry / payment, etc. In addition to the basic financial services, it refers to various online financial services, such as stock trading, e-commerce.

Therefore, the electronic wallet device 110 of the present invention can perform memory management and encryption on its own without relying on the CPU of the connected user terminal, thereby preventing access from the hacking program of the user terminal, thereby providing high security. Therefore, it is used for storing various information necessary for financial transactions.

The internal memory 264 of the smart card unit 260 stores various financial information of an individual or a company such as financial transaction security related information and personal information such as a certificate, account related information, card related information, security card and one-time password, and the like. It also stores information about the smart card chip itself.

The smart card unit 260 of the electronic wallet device 110 of the present invention is equipped with a Chip Operating System (COS) to hardware encryption algorithms such as public key infrastructure (PKI) and secret key methods. It is processed by the chip and includes a self-encrypting memory area for storage of certificates and the like. The user terminal 130 such as a computer device recognizes the smart card as a kind of external computer device.

3 is a view showing an example of an electronic wallet system for providing a financial service using the electronic wallet device according to a first embodiment of the present invention.

As shown in FIG. 3, the electronic wallet device 110 of the present invention is connected to the user terminal 130 in various communication methods including a USB interface, and is connected to the financial institution server 160 through the wired / wireless communication network 140. The user can access the battery wallet service of the present invention to the user, and the user can safely use various financial services through the electronic wallet service.

Electronic wallet system 300 of the present invention includes a variety of user terminal 130, wired and wireless communication network 140, financial institution server 160, financial institution terminal 170 and the electronic wallet device 110 of the present invention.

A plurality of computer device support means 310 of the electronic wallet device 110 of the present invention to the computer device-specific data 256 and the computer device in order to use the electronic wallet device 110 in a variety of user terminal 130 The electronic wallet program 230 automatically recognizes and processes the screen data 252 having a matching screen and control elements.

The plurality of financial institution server support means 312 is processed by using the existing web browser or Internet access screen in the electronic wallet program 230 without changing the existing financial institution server 160 and each financial institution server ( The common service of 160) includes a method of using a standard full text using XML, and a method of connecting and forming each type of integrated standard server that connects each financial institution server 160 and provides a standard web service form.

The user setting support means 314 supports the user to set the screen and menu configuration using the financial institution server 160 through user preferences, and selectively provides information provided by the financial institution's web server. Includes settings for subscribing and how you store financial data in a separate storage device (for example, in a spreadsheet or report format), or to replicate well-defined configuration data. do.

The user terminal 130 is connected to the electronic wallet device 110 and the financial institution server 160 of the present invention to provide various financial services via the wired / wireless communication network 140 and is connected to the financial institution server 160. It includes personal computer, personal portable information terminal, mobile communication terminal, card payment terminal, electronic cash register, set-top box, teller terminal and financial teller, such as ATM, bill acceptor, USB port, input / output device and itself. Includes all computer devices with operational functions.

In addition, the user terminal 130 may include a USB port 332 connected to the communication unit 280 of the electronic wallet device 110 of the present invention, an input device 334 including a keyboard and a mouse, an output device such as a monitor ( 336) and all computer devices including a self computing device 338 that performs overall management of the user terminal 130 and provides financial services to the user through the electronic wallet program 230 of the electronic wallet device 110. Include.

The input device 334 includes a keyboard, a keypad, a touch screen, and the like, and the output device 336 includes a monitor, a liquid crystal, a touch screen, and the like.

The wired / wireless communication network 140 provides a wired / wireless communication path between the user terminal 130, the financial institution server 160, and the financial institution terminal 170. The wired / wireless communication network 140 includes various services existing in the TCP / IP protocol and higher layers, that is, HTTP, As well as general Internet networks including global open computer network structures that provide Telnet, FTP, DNS, SMTP, SNTP, NFS and NIS, as well as high-speed data communications networks such as Wibro or High Speed Downlink Packet Access (HSDPA). It means a network that provides various wired and wireless communication methods.

Financial institution server 160 issuing, registration, authentication, etc. of the electronic wallet device 110 to issue a new electronic wallet device 110 to the user, the electronic wallet device 110 wired and wireless communication network 140 When connecting through the authentication, and if the authentication is successful, the server provides an electronic wallet service to allow a variety of users to use a variety of financial services.

The financial institution terminal 170 is newly issued of the electronic wallet apparatus 110 to the person in charge of the financial institution in order to perform registration of user information for new issuance of the electronic wallet apparatus 110 in conjunction with the financial institution server 160. Provides an interface for

The above-described electronic wallet system 300 is conventionally connected to each financial institution server 160 of the financial institution that the user wants to use, and breaks the way to use the financial services in different ways, the electronic wallet device 110 And the electronic wallet program 230 to access a desired computer device (user terminal) anytime, anywhere, to enable integrated financial services through a standardized user interface.

That is, the user can carry the pocket banking to carry the financial service platform itself as well as financial information such as certificates, account numbers, card numbers and passwords necessary for financial transactions by possessing the electronic wallet device 110 of the present invention. Has the effect of letting.

4 is a block diagram schematically showing the internal configuration of the integrated electronic wallet server according to a second embodiment of the present invention.

Integrated electronic wallet server 150 according to a second embodiment of the present invention is an electronic wallet device authentication module 410, a user authentication module 420, electronic wallet program management module 430, financial service processing module 440 , Message processing module 450, financial content management module 460, billing module 470, and server basic function module 480.

The electronic wallet device authentication module 410 is a module that performs authentication on the electronic wallet device 110. That is, after the user connects the electronic wallet device 110 to the user terminal 130 and inputs a personal identification number (PIN) to authenticate the user, the user operates the electronic wallet program 230 of the electronic wallet device 110. In the case of accessing the integrated electronic wallet server 150 through the wired / wireless communication network 140, the electronic wallet device normally issued in contrast to the electronic wallet device data by reading the electronic wallet unique number (WIN) stored in the electronic wallet device 110. (110) checks whether there are any stoppages, such as lost or stopped transactions, and determines that the electronic wallet device 110 is authenticated and used when it is determined that the electronic wallet device 110 is normal. do. The electronic wallet device data transfers the registered information of the electronic wallet device 110 to the integrated electronic wallet server 150 when issuing the electronic wallet device 110 at each financial institution, the electronic wallet device of the integrated electronic wallet server 150. In the registration database 412, the storage and management, and if a transaction stop reason such as loss or termination of the electronic wallet device 110 occurs, the financial institution transfers the reason to the integrated electronic wallet server 150, integrated electronic wallet server The reason is stored in the electronic wallet device registration database 412 of 150.

In addition, the electronic wallet device authentication module 410 may perform authentication of the electronic wallet device 110 in conjunction with a financial institution. That is, the registration and suspension of the electronic wallet device 110 is managed by a financial institution that distributes and registers the electronic wallet device 110, and the electronic wallet device authentication module 410 of the integrated electronic wallet server 150 classifies the electronic wallet unique number (WIN). In accordance with the recognition of the issuing financial institution may be used to determine whether the electronic wallet device 110 is normal to the financial institution.

The user authentication module 420 is a module for authenticating a user when a user requests a financial service using an electronic wallet program. Read the accredited certificate or password stored in the electronic wallet device 110 to transmit to the financial institution server 160 of the financial institution with the electronic wallet unique number (WIN) to perform the user's authentication.

The electronic wallet program management module 430 checks the state of the electronic wallet program provided in the electronic wallet device 110, that is, the version of the program or the modification of the program, and if it is not the latest program, the latest electronic wallet program. To perform a function such as downloading to the electronic wallet device (110). At this time, the electronic wallet program management module 430 checks the electronic wallet program for each module in order to prevent the electronic wallet program from being duplicated and downloads the entire electronic wallet program. The electronic wallet program database 432 stores the latest version of the electronic wallet program, changes, and module-specific deformation check data for each module.

In addition, the electronic wallet program management module 430 provides a standard interface screen when the electronic wallet device 110 is connected to the user terminal 130, and various user interfaces for each financial institution that issued the electronic wallet device 110. The screen and link information to the home page of each financial institution may be provided. That is, a standard interface screen is used to unify the interface for providing financial services for each financial institution, or to change the skin of the screen used by the user who has been issued the electronic wallet device 110 for each financial institution, or to provide other financial services to the user. If a link of a web page including information is created and stored in the electronic wallet program database 432, the financial institution may reflect the electronic wallet program 230 of the customer who registered the electronic wallet device 110. The user interface data for each financial institution is stored in the user interface database 434.

The financial service processing module 440 is a module that receives a financial service requested by a user and processes the financial service in association with the financial institution server 160. That is, in addition to basic financial services such as account inquiry / transfer, card usage history inquiry, payment price inquiry / payment, various financial services such as stock trading, e-commerce, etc. are processed in connection with the financial institution server 160 of the financial institution. Module. The financial service processing module 440 checks whether the financial service request of the user is correct, the financial service processing result at the financial institution server 160 is correct, and the like. In addition, in order to prepare for a system error or abnormal state in the financial service processing process, the corresponding transaction history is stored in the log database 442 for a predetermined time, or the function of restoring the processing of the abnormally terminated financial service is performed.

The message processing module 450 is a module for analyzing the pocket banking standard message transmitted from the user terminal 130. That is, when the user requests a financial service, the integrated electronic wallet server 150 receives the pocket banking standard message generated by the electronic wallet program and transmits it from the electronic wallet device 110 through the message processing module 450. The financial service request message is analyzed and transmitted to the financial service processing module 440, or the financial service processing module 440 receives the financial service processing result and converts it into the form of a pocket banking standard message. Perform the function of sending to.

In addition, when the financial service processing module 440 requests the financial institution server 160 of each financial institution to process the financial services, the financial service processing module 440 may identify a financial standard or a message format of the financial institution and may be in a format that is appropriate for the financial institution. Converts and transmits each of the institution messages, and analyzes the contents of the financial institution messages received from each financial institution server 160 according to the message format of the financial institution to determine the financial service processing result.

In this case, the transmission standard, message format, and processing procedure of each financial institution refer to the message configuration database 452.

The financial content management module 460 automatically pushes content that meets the user's needs by setting push data for arbitrarily downloading content provided by a financial institution for promotion or marketing, and a user's interests or interests. It forms the pull data to select and transmit to the electronic wallet program. The financial content database 462 classifies and stores various contents (eg, news, entertainment information, etc.) provided by each financial institution.

In addition, when the user accesses the integrated electronic wallet server 150, the financial content management module 460 transmits the content provided by the financial institution registered by the user to appear on the screen of the user terminal 130. In addition, when the user sets to continue to receive information of a particular interest, the financial content database 462 searches for and provides the interest or product set by the user or a corresponding word.

The billing module 470 is a module for collecting and managing various types of billing information that may occur while operating the integrated electronic wallet server 150. The collected information is stored in billing database 472.

Here, the type of billing information may be a fee for using the electronic wallet device 110, a fee for using a financial service, a cost for using a content, and the like. The billing target may be a user, a financial institution, or a third marketing institution. Various forms of charging can be applied.

The server basic function module 480 controls the overall operation of the integrated electronic wallet server 150 and manages and allocates system resources so that the functions of the above-described modules can be properly performed.

In addition, the server basic function module 480 may be configured by varying the communication method according to the characteristics of the wired and wireless communication network 140 and each financial institution, and manages the response to the message sent to the financial institution server 160, It performs functions such as health check so that communication with the financial institution server 160 can be properly maintained. If there is no response, corresponding incomplete processing can be performed and appropriate control in case of traffic overload (Control Admision) ), A communication function for performing encryption and decryption, and financial services are requested from numerous electronic wallet programs combined with the user terminal 130, so that many applications of the module can appropriately use system resources. It includes basic server functions such as session management, resource management, and multiprocessing.

In addition, the system monitors the resource status of the system and records the service level for each financial service request, and records the load balancing policy of the system in the system management database 482 and utilizes it to maintain an optimal operating state. Make sure to spot any abnormalities early.

Each module described above may be configured and operated in one server platform or distributed in several server platforms.

5 is a flowchart illustrating a flow of messages transmitted and received by the integrated electronic wallet server according to the second embodiment of the present invention.

The flow of messages transmitted and received between the user terminal 130, the integrated electronic wallet server 150, and the financial institution server 160 will be described in more detail with reference to FIG. 5, and the integrated electronic wallet server 150 may include the user terminal 130. A request pocket banking standard message generated by the electronic wallet program 230 is received (S510). At this time, the request pocket banking standard message includes a financial institution code indicating the information of the financial institution that the user requested the financial service, a user authentication code indicating whether the user is successful in authentication, and a service code indicating the type of the financial service requested by the user. The integrated electronic wallet server 150 analyzes the financial institution code in the received request pocket banking standard message and transmits the service request message to the financial institution server 160 of the corresponding financial institution (S520). In this case, the service request message includes a user authentication code and a service code, but may further include other codes according to transmission standards of each financial institution. After receiving the service request message, the financial institution server 160 analyzes the service code, processes the corresponding financial service, and includes the service processing result in the service response message and transmits the result to the integrated electronic wallet server 150 (S530). ), The integrated electronic wallet server 150 notifies the user of the processing result of the financial service by transferring the response pocket banking standard message including the service processing result to the user terminal 130 (S540).

Accordingly, the integrated electronic wallet server 150 provides a standard interface to the user, thereby maximizing the user's convenience by providing the financial services provided by the respective financial institutions through different interfaces through internet banking and the like. can do.

In addition, the integrated electronic wallet server 150 not only provides a function of integrating and providing financial services of each financial institution using a standard interface, but also provides a function of providing information of a plurality of financial institutions through a plurality of windows. It may be inserted into a specific web or a swap page to provide a function of providing a financial service requested by a user in the form of a banner.

6 is an exemplary view showing a screen for providing financial services of a plurality of financial institutions in the integrated electronic wallet server according to a second embodiment of the present invention.

For example, as illustrated in FIG. 6, a financial service that provides real-time deposit and withdrawal details and balances of an account opened in a specific bank designated by a user as a dedicated window, and the time-dependent change information of stocks of a specific company designated by the user are separately provided. Financial services provided in a dedicated window can be simultaneously provided using multiple windows.

At this time, the electronic wallet program requests the integrated electronic wallet server 150 for a certain period or in real time using the request pocket banking standard message to request the information of the financial service to be output in the corresponding window, the integrated electronic wallet server 150 is the corresponding financial In conjunction with the institution server 160, the financial service processing / query results are included in the response pocket banking standard message and transmitted.

In addition, when a user creates a personal home page, an e-wallet application program interface (API) is used to provide financial services of a specific financial institution designated by the user in the form of a banner at a specific location on the home page. Can provide. For example, if you want to monitor real-time information on the transaction history of account B in bank A on the personal shopping mall homepage operated by the user, insert the banner like "Pocket_Bank_Account_Inquire (A, B)" Withdrawal and withdrawal history and balance can be easily viewed and provided. Accordingly, the user can easily determine whether the goods are deposited without having to check whether the goods orderer has received the goods price after completing the order by accessing the home page of the financial institution where the payment account is opened. In this case, too, the electronic wallet program requests the integrated electronic wallet server 150 through the request pocket banking standard message at regular intervals or in real time for the information of the financial service to be displayed on the banner, and the integrated electronic wallet server 150 corresponds to the corresponding electronic wallet server 150. In conjunction with the financial institution server 160, the financial service processing / inquiry result is included in the response pocket banking standard message and transmitted.

The plurality of financial institution servers 160 including the first financial institution server, the second financial institution server, and the third financial institution server are each an internet banking server (not shown), an electronic banking server (not shown), and an account server (not shown). City) and the like, and these functions in conjunction with the integrated electronic wallet server 150 to provide a variety of financial services.

7 is a block diagram schematically illustrating an electronic wallet-supported financial transaction terminal according to a third embodiment of the present invention.

The electronic wallet-supported financial transaction terminal 120 according to the third embodiment of the present invention includes an input unit 710, an output unit 720, a dedicated device unit 730, a control unit 740, a storage unit 750, and an external device. The communication unit 760 and the USB communication unit 770 are included.

Electronic wallet-supported financial transaction terminal 120 of the present invention is a device having an input and output means and performing basic financial transactions, wired and wireless card payment terminal, Point of Sale (POS), ATM (ATM) / CD), all kinds of financial automation equipment such as utility bill acceptor, and the like, and ticket vending machines, vending machines for drinks, books, and telephone cards.

In addition, the electronic wallet-supported financial transaction terminal 120 of the present invention includes a USB communication unit 770 that provides a USB communication interface, and has an electronic wallet support program interoperating with an electronic wallet device connected through a USB interface. By using the user financial information provided in the electronic wallet device, characterized in that for processing the financial service requested by the user.

Although the present invention has been described as implementing the communication between the electronic wallet support financial transaction terminal 120 and the electronic wallet device 110 through a USB communication unit 770 that provides a USB interface, this is only one embodiment and is limited thereto. However, the present invention may be implemented through various methods such as various wired / wireless communication methods, for example, a method using a serial port or a parallel communication port, a method using a wireless communication means such as Bluetooth, ZigBee, and the like.

The input unit 710 is an input unit for receiving a financial service request command from a user or obtaining financial information from a financial medium such as a bank account or a card. The input unit 710 of the present invention may be a card reader, a touch pad, an RF reader, a passbook magnetic reader, an input switch, a keyboard, a barcode reader, a signature recognizer, or the like.

The output unit 720 is an output unit for providing a processing result of the financial service requested by the user through a display or an output. Therefore, the output unit 720 may be a display, a thermal printer, a passbook printer, a ticket printer, a receipt issuer, an output lamp and a slip printer.

In addition, when the electronic wallet-supported financial transaction terminal 120 and the electronic wallet device 110 of the present invention are connected, the output unit 720, an interface for authenticating a user, an interface for selecting a financial institution, and selecting / requesting a financial service It performs a function of visually outputting a user interface screen such as an interface.

The dedicated device unit 730 is a means for providing a unique function performed by the electronic wallet-supported financial transaction terminal 120 of the present invention. For example, the electronic wallet-assisted financial transaction terminal 120 may be an ATM / ATM. CD) may be a bill separator, a bank teller, a check separator, a check dispenser, and the like, and in the case of an electronic cash register (POS), a safe opener and a vending machine may be a product discharge device.

The controller 740 is a control means including a central processing unit (CPU) for controlling the overall functions of the electronic wallet-supported financial transaction terminal 120 of the present invention, the electronic wallet device to the electronic wallet-supported financial transaction terminal 120. When connected, the electronic wallet support program is operated to request and process various financial services through interworking with the electronic wallet device.

The storage unit 750 stores the electronic wallet support program of the present invention and is means for storing temporary data generated during the operation of the electronic wallet supported financial transaction terminal 120. To this end, the storage unit 750 is a hard disk drive (HDD), an optical disk drive (ODD: optical disk drive), a nonvolatile memory, and EEPROM (Electrically Erasable) capable of modifying the contents in bytes. and a storage means such as a flash memory and a synchronous dynamic random access memory (SDRAM) capable of modifying the contents in units of a programmable read only memory or a block.

The external communication unit 760 is a communication means for communicating with a financial institution server via wired or wireless Internet or a dedicated line, and includes a modem, a wired and wireless LAN, and the like.

The USB communication unit 770 is a means for interfacing data communication with the electronic wallet device through a USB standard communication interface. The electronic wallet device 110 and the battery wallet supporting financial transaction terminal 120 of the present invention are connected via a USB interface. Provides a data communication path between The USB communication unit 770 of the present invention is in the form of a general USB terminal, and is provided at a position where the electronic wallet device can be easily connected.

As described above, the electronic wallet supporting financial transaction terminal 120 authenticates the user when connected to the electronic wallet device through the USB communication unit 770, and receives the user financial information provided in the electronic wallet device when the authentication is successful. Provides a list of financial institutions that the company is trading with and selects a financial institution to use, or when a user registers a financial institution whose main transaction is a user, it provides a user interface for providing financial services of the financial institution. .

Therefore, the user does not need to carry a plastic card or memorize account numbers, passwords, etc. for each financial institution, and has only an electronic wallet device in which all the user's financial information is stored, and the electronic wallet supporting financial transaction terminal 120 of the present invention. ), It is possible to easily use a variety of financial services provided by the electronic wallet support financial transaction terminal 120.

For example, when the electronic wallet supporting financial transaction terminal 120 is an ATM / CD, when the user connects the electronic wallet device through the USB communication unit 770, the electronic wallet supporting financial transaction terminal 120 After receiving the user's financial information from the electronic wallet device, the user interface of the user's main financial institution is immediately provided, or a list of all the financial institutions that the user deals with is selected, and then a specific financial institution to request financial services is selected and the financial institution is selected. In conjunction with the server can provide a user interface of the financial institution.

In addition, when the electronic wallet support financial transaction terminal 120 is a card payment terminal, a ticket vending machine, a vending machine, or the like, user financial information stored in an electronic wallet device connected to the electronic wallet support financial transaction terminal 120, for example, credit After outputting card information or account information, the user may pay a corresponding amount by a means selected by the user, or provide a function of automatically paying using the financial information of the main trading financial institution set by the user.

8 is a block diagram illustrating an electronic wallet support program according to a third embodiment of the present invention.

Electronic wallet support program 800 of the present invention is input management module 810, output management module 820, communication module 830, electronic wallet device interface module 840, dedicated function module 850, financial service processing Module 860 and electronic wallet financial service support module 870.

The input management module 810 uses various kinds of input means, for example, a keyboard, a magnetic card reader, a smart card reader, an RF card reader, a financial unit such as a bank account or a credit card through an input unit 710 such as a touch screen and a switch. This module reads the user's financial information from the media and receives input of user's selection, letters and numbers.

The input management module 810 of the present invention receives a financial institution requesting a financial service from a user, a financial service requesting a selected financial institution, or receives a detailed command corresponding to the selected financial service. It also performs a function of obtaining user financial information in the memory area of the electronic wallet device.

The output management module 820 provides an interface for providing a financial service through a screen such as a display, or prints a processing result of the financial service on an output such as an account book or paper (receipt, statement, etc.). Perform.

The output management module 820 of the present invention provides a list of financial institutions used by the user, and provides a list of various financial services provided by the financial institution. In addition, the output management module 820 records a processing result of the financial service in a memory area of the electronic wallet device.

The communication module 830 provides an interface for data communication with a financial institution server of a plurality of financial institutions or financial service agencies.

The electronic wallet device interface module 840 is a module for supporting data exchange with the electronic wallet device connected through the USB communication unit 770. The electronic wallet device interface module 840 of the present invention provides a function of performing an encrypted communication using an encryption function of a smart card area of the electronic wallet device while using a general USB interface.

The dedicated function module 850 controls the unique function performed by the electronic wallet-supported financial transaction terminal 120 of the present invention. For example, when the electronic wallet-supported financial transaction terminal 120 is an ATM / CD, it controls a bill discriminator, a teller machine, a check discriminator, a check issuer, etc., and an electronic cash register (POS). In the case of the safe opener, in the case of the vending machine to control the commodity payment (discharge) device.

The financial service processing module 860 receives a request for a financial service received from a user through the input unit 710, transfers it to a financial institution server to process the corresponding financial service, and then receives a processing result and outputs 720. Outputs the function through).

When the electronic wallet device is connected, the electronic wallet device financial service support module 880 authenticates the user by receiving a personal identification number (PIN) from the user, and identifies the electronic wallet unique number (WIN). It authenticates the electronic wallet device by using and obtains the user financial information necessary for the financial service from the electronic wallet device to request the processing of the financial service or to record the processing result of the financial service in the electronic wallet device.

As described above, the electronic wallet support program 800 provides all the financial services provided by the conventional financial automation device as it is, and additionally provide a financial service through interworking with the electronic wallet device, the electronic wallet device interface The module 840 and the electronic wallet financial service support module 880 is further provided.

In addition, the electronic wallet device includes a flash memory unit, a smart card unit and a USB interface, and manages user financial information by driving an electronic wallet program provided when connected to the electronic wallet supporting financial transaction terminal 120 of the present invention. It performs the functions of storing / delivering, requesting financial services and receiving and displaying processing results.

Here, the user financial information means financial institution information, official certificate, account information, card information, user information and smart card information, etc., and financial services include account inquiry / transfer, card usage history inquiry, payment amount inquiry / payment, etc. In addition to basic financial services, it refers to various online financial services such as stock trading and e-commerce.

In addition, the electronic wallet device stores a wallet wallet identification number (WIN) and a personal identification number (PIN), the electronic wallet unique number and personal identification number is typically at the time of issuing the electronic wallet device. It is generated and stored in the internal memory of the smart card unit and the like and used for user authentication.

9 is a flowchart illustrating the registration and issuance of an electronic wallet device for providing an electronic wallet service according to a first embodiment of the present invention.

First, the user visits each financial institution in order to use the electronic wallet service of the present invention, applies for the electronic wallet service use, and receives the electronic wallet device 110.

The person in charge of the financial institution checks the user's identity using the user's ID card and supporting documents as shown in FIG. 9 (S910), and the electronic wallet through the electronic wallet registration means 372 on the financial institution terminal 170. The user who will use the service is registered with the financial institution server 160. The electronic wallet issuing officer of the financial institution inputs a new electronic wallet unique number (WIN) newly issued from the financial institution server 160 (S920), and the user directly enters a personal identification number (PIN). Enter (S930).

As such, when the registration procedure of the electronic wallet device 110 is completed by inputting the electronic wallet unique number WIN and the personal identification number PIN, the electronic wallet device 110 of the present invention is issued to the user (S940).

Here, the electronic wallet registration means 372 stores the electronic wallet registration program and the application signed by the user directly. In addition, the electronic wallet device recorder 374 communicates with the financial institution server 160 of the financial institution terminal 170 or the financial institution (or financial service agency) to the electronic wallet device 110 to the electronic wallet unique number (WIN). Is given and recorded in the internal memory 264 of the smart card unit 260 area of the electronic wallet device (S950). Electronic wallet unique number (WIN) is a kind of key value (key value) is used when authenticating the electronic wallet device 110 in the financial institution server 160 in the future.

That is, the query value sent from the financial institution server 160 is returned in response to the value calculated by the cryptographic processing module 266 using the wallet unique number WIN as the answer value. Even if the wired / wireless communication network 140 between the input / output device of the user terminal 130 or the computer device and the financial institution server 160 including a USB port and an input / output device such as a personal computer and all computer devices having a self-calculation function is hacked Electronic wallet unique number (WIN) is not leaked.

In addition, the personal identification number (PIN) stored in the smart card unit 260 is input by the user directly through a separate input device connected to the electronic wallet recorder 374 or the financial institution terminal 170 so that even the person in charge of the financial institution is unknown. do. In this case, the input personal identification number (PIN) is also used as a means for authenticating a user when driving the electronic wallet device 110 in various future user terminals 130 as a kind of key value. That is, the input / output device of the user terminal 130 is a method of returning, as a response value, a value calculated by the encryption processing module 266 using a personal identification number (PIN) with respect to a query value sent from the user terminal 130. Even if the internal packet is hacked, the personal identification number (PIN) is not leaked.

In addition, the financial institution server 160 stores only the electronic wallet unique number (WIN) and user information, and does not store the personal identification number (PIN).

10 is a flowchart illustrating a process of providing a financial service through an electronic wallet service in a financial institution server according to a first embodiment of the present invention.

If the financial institution server 160 is connected to the electronic wallet device 110 from the electronic wallet registration means 372 or the user terminal 130 via the wired / wireless communication network 140 (S1002), the electronic wallet device 110 Request a unique wallet (WIN) (S1004).

The financial institution server 160 determines whether the electronic wallet device 110 first accesses the financial institution server 160 by using the electronic wallet unique number WIN transmitted from the electronic wallet device 110 (S1006). .

When the electronic wallet device 110 is connected to the financial institution server 160 for the first time, the financial institution server 160 is linked to the electronic wallet registration means 372 of the financial institution terminal 170 to input the electronic wallet unique number ( WIN) request to register (S1008).

Here, the electronic wallet / user authentication means 362 of the financial institution server 160 is a program such as reading the official certificate stored in the electronic wallet device 110 and compare with the user information, or check the password and security card number, etc. Through the electronic wallet device 110 and the user performs authentication.

In addition, the financial transaction processing means 364 includes a case in which all of the transfer password, the security card number, and the certificate are used or partially simplified according to the existing procedure.

When the electronic wallet device 110 has previously connected to the financial institution server 160, or when the electronic wallet device 110 has been registered for the first time, the financial institution server 160 may check the account and the bank through the electronic wallet device 110 from the user. Before receiving a request for a financial service such as a transfer, the electronic wallet unique number WIN is compared with data registered in the financial institution server 160 (S1010). Here, if the electronic wallet unique number (WIN) and the data registered in the financial institution server 160 does not match, check the error conditions such as loss, expiration of the use period, damage to the electronic wallet device (110) (S1012), error conditions Take countermeasures in accordance with S1014.

Here, since the electronic wallet unique number (WIN) is not directly input by the user, the possibility of an error due to a wrong input of the user is excluded.

The financial institution server 160 is connected to the user terminal 130 when the authentication of the electronic wallet device 110 is completed through the electronic wallet unique number (WIN). Banking services such as account inquiry, transfers and remittances, deposit and withdrawal transactions from financial automated machines (cash dispensers, ATMs, utility bills, etc.), e-commerce and card payments, and securities transactions. After receiving the request (S1016), and processing / providing a financial service corresponding to the request (S1018), the result is notified to the electronic wallet program 230 (S1020). At this time, the request of the financial service and the notification of the processing result may be provided in various ways such as the existing method which is transmitted in the form of a web page including HTML or the standard professional method using XML.

11 is a flowchart illustrating a connection and disconnection between an electronic wallet device and a user terminal according to a first embodiment of the present invention.

When the communication unit 280 (USB terminal) of the electronic wallet device 110 is connected to the USB port 332 of the user terminal 130, the user terminal 130 of the electronic wallet device 110 through a device manager program or the like. Check the connection (S1110).

At this time, the electronic wallet device 110 checks whether the electronic wallet program 230 to be executed is linked with the corresponding user terminal 130 (S1120). Here, the process of confirming the electronic wallet program 230 is to determine whether the electronic wallet program 230 necessary for a computer device such as a financial automatic device is embedded.

If the electronic wallet program 230 to be executed currently does not work with the corresponding user terminal 130, the electronic wallet program 230 searches for the program area 220 of the electronic wallet device 110 and then selects the electronic device suitable for the corresponding computer device (user terminal 130). The wallet program 230 is loaded (S1130). When the electronic wallet program 230 to be newly loaded or executed in step S1106 is interlocked with the corresponding user terminal 130, the corresponding electronic wallet program 230 is driven (S1140).

When the electronic wallet program 230 is driven, a user may receive an electronic wallet service and access various financial institution servers 160 to provide various financial services.

While the battery wallet program 230 is being driven, the electronic wallet device 110 is separated from the user terminal 130 to determine whether the connection is released (S1150), and the user disconnects the electronic wallet device 110 from the USB port. When the connection state is released due to a communication error or the like, the electronic wallet device 110 ends the driving of the electronic wallet program 230 (S1160).

Here, as the electronic wallet driving means 337 for driving the electronic wallet program 230, the program area 220 of the electronic wallet device 110 recognized as an external storage device according to the type and operating system of the user terminal 130. All means, such as directly executing the file, or duplicated (or loaded) to a specific area of the user terminal 130, and the like.

In addition, the user interface means 339 includes not only a monitor, a mouse and a keyboard of a personal computer, but also a touch screen, a keypad, buttons, a liquid crystal screen, a TV monitor, a remote controller, and the like provided by various user terminals 130.

12 is a flowchart illustrating a process of providing a financial service by the electronic wallet program according to the first embodiment of the present invention.

When the electronic wallet program 230 is driven by being copied to the program area 220 or the user terminal 130 of the electronic wallet device 110, the electronic wallet program 230 checks whether the electronic wallet program is connected to the user terminal 130, and the user terminal 130. It periodically checks whether the connection is maintained while connected (S1210). This is to stop the operation of the electronic wallet program 230 at the moment of detaching the electronic wallet device 110 from the USB port 332 of the user terminal 130. Thus, one electronic wallet program 230 may not be executed simultaneously on multiple computer devices, and may fundamentally block this.

The electronic wallet program 230 identifies the connected user terminal 130 (S1220). By identifying the types of user terminals 130 including various types of computer devices, the user screen elements and control elements suitable for the connected computer devices are referred to by referring to the computer device-specific data 256 stored in the data area 250. The screen data 252 is used to construct a user screen and a user interface.

When the user terminal 130 is identified, the electronic wallet program 230 receives a personal identification number (PIN) from the user and confirms it (S1230). Here, when the personal identification number (PIN) input from the user does not match the personal identification number (PIN) stored in the electronic wallet device 110, the operation of the electronic wallet program 230 is terminated. In addition, if the user fails to authenticate the personal identification number (PIN) more than a certain number of times by setting an error number as a condition, it is regarded as an hacking attempt and the financial transaction data 254 or the internal memory 264 in the electronic wallet device 110. You can also add an automatic data deletion function that deletes all or some of the data from) to prevent third parties from attempting further hacking.

The electronic wallet program 230 determines whether the user performs the management setting by determining whether the user operates the electronic wallet device 110 for the first time or needs to change the user setting at the user's request (S1240).

When management setting is required, electronic wallet management (S1242), user environment setting (S1244), and user data registration (S1246) are selectively performed by the user's selection.

Here, the electronic wallet management (S1242) automatically updates the change by checking the version of the electronic wallet program 230 when the version of the electronic wallet program 230 is changed through the electronic wallet management module 234. to be.

User preferences (S1244) is a function that allows the user to configure and set the main screen and menu, such as the user's main financial institution, main account, basic menu configuration, financial information receiving settings, and the user's user preferences (S1244) If you do not perform), it consists of the basic screen and menu that are initially set. The setting result is stored in the user setting data 258 through the data processing module 238.

User data registration (S1246) provides a function to record the authentication data, login data, bank transfer password, security card information, etc. for each financial institution server in the electronic wallet device (110). This function is the smart card management module 236 and the encryption processing module 266, the data management module 268, the communication module 270 of the smart card unit 260 in conjunction with the internal memory of the smart card unit 260 ( 264). In addition, the encryption processing module 266 of the smart card unit 260 may register a one-time encryption generator using a key value.

After the above process, the user setting program is driven based on the type of the user terminal 130 identified through step S1210 and the user setting data 258 set through steps S1242 to S1246 (S1250).

Through the S1250 step, the user's financial platform may be made of only the necessary menus on the screen of the user terminal 130 to which the electronic wallet device 110 is connected, the keyboard or the touch screen, etc. according to the screen configuration of the main trading bank designated by the user.

After the electronic wallet program 230 drives the user setting program, the electronic wallet program 230 performs the integrated financial management to integrally manage the financial information of the users dispersed in various financial institutions (S1260). This is for automatically or manually accessing each financial institution server 160 to obtain necessary information or automatically or manually performing necessary financial transactions according to a user's request.

For example, in order for users to manage financial assets of individuals or companies collectively, rules such as naming each account, giving account-specific rules (minimum balance, maximum balance, periodic transfers, etc.), automatic collection and distributed remittance, etc. And it can be set to notify in advance, or can be performed automatically when the user confirms.

After performing integrated financial management, a set financial transaction is performed (S1270). Herein, the financial transaction can be performed immediately according to the rules of integrated financial management or when the user needs it. Using the financial transaction processing module 242 of the electronic wallet program 230, the financial institution server 160 requests financial transaction processing such as account inquiry and transfer, and is notified of the processing result from the financial institution server 160. (S1280). In this case, the financial transaction processing request and the notification of the processing result may be implemented by a standard professional method using an existing method or XML, which is transmitted in the form of a web page including HTML. The processing result received by the simple standard text is referred to the screen data 252 and output to the user as a complete page. In addition, financial transactions may include the use of all transfer passwords, security card numbers, certificates, or some simplified procedures in accordance with existing procedures. In this case, the necessary information may be automatically processed by using information previously registered in the internal memory 264 of the smart card unit 260.

When providing the financial services to the user through the electronic wallet device 110 and the electronic wallet system 300 of the present invention as described above can maximize the portability and ease of use while securing safety and security In the case of financial transactions, it is possible to provide enhanced user authentication in all processes from the financial institution server of the financial institution to the user's computer terminal.

In addition, the electronic wallet device 110 of the present invention securely stores information, such as an authorized certificate and a financial transaction password, in an encrypted internal memory 264 of the smart card unit 260, and has a size of the flash memory unit 210. The electronic wallet program 230 and data can be stored without restriction, thereby improving convenience of use at the same time.

In addition, it has a USB port for personal computers, personal portable information terminals, mobile communication terminals, card payment terminals, electronic cash registers, set-top boxes, teller machines and ATMs, ATMs, bill acceptors, and other automated teller machines. In order to provide an electronic wallet service by connecting the electronic wallet device 110 to various computer devices, the electronic wallet program 230 includes all executable files running in various operating systems and environments, and therefore, a personal computer has a USB interface. In the authentication of the electronic wallet device 110 and the electronic wallet program 230 is to be automatically executed can be easily applied. A personal computer and a personal portable information terminal supporting the USB interface recognize the electronic wallet device 110 through a USB port and automatically or manually operate the electronic wallet program 230 stored in the electronic wallet device 110. It can work. Mobile communication terminals, card payment terminals, electronic cash registers, set-top boxes, teller terminals, and ATMs, ATMs, and bill acceptors, such as financial automation devices, automatically recognize and operate the electronic wallet device 110 in their own operating programs, or internally. It includes a module for reading the decryption and financial information of the electronic wallet device 110 in the program.

In addition, the user can receive financial services of various financial institutions using a single electronic wallet device 110, each with a plurality of financial institutions with only the official certificate and password and one-time password stored in the electronic wallet device 110 It is very easy to access and use the service.

In addition, in the present invention, a common financial transaction of a financial institution such as account inquiry / transfer may be processed by communicating with the financial institution server in a standard specialized format.

In addition, it is possible to provide a variety of applications utilizing the electronic wallet program 230 and the data area 250 of the electronic wallet device 110, such as account / transaction history of a number of financial institutions that individuals or companies trade In addition to the function to search financial information collectively, it can provide a function to support automatic transaction processing such as advance notification and reservation according to various financial transaction rules defined by the user.

In addition, when using a financial automation device, or when performing a payment, card payment, online payment, remittance, etc., you can automatically save a confirmation to guarantee the results and provide a variety of statistics, the user can store all the transaction details on the computer device Not only can it be confirmed, it is also possible to provide an application such as a card payment terminal to select a card having favorable payment terms or know the accumulated amount of use up to the transaction only by using the information embedded in the electronic wallet device 110. .

13 is a flowchart illustrating a method of providing an electronic wallet service by an integrated electronic wallet server according to a second embodiment of the present invention.

The integrated electronic wallet system according to the second preferred embodiment of the present invention provides a standard interface in the integrated electronic wallet server 150 to provide a single interface for each financial service provided to the plurality of financial institution servers 160. Provide an integrated electronic wallet service provided through.

The integrated electronic wallet service method will be described in detail with reference to FIG. 13.

When the electronic wallet device 110 is connected to the user terminal 130 using the USB interface (S1302), the electronic wallet device 110 receives a personal identification number (PIN) from the user through the user terminal 130, the user Authenticate (S1304).

If the authentication is successful by comparing the personal identification number (PIN) entered by the user with the personal identification number (PIN) stored in the electronic wallet device 110, the electronic wallet device is activated and the electronic wallet stored in the electronic wallet device 110. The program 230 is driven (S1306).

When the electronic wallet program 230 is driven, a basic interface screen necessary for the user is basically provided on the user terminal 130 without communication with the integrated electronic wallet server 150, and the user of the user already stored in the electronic wallet device 110 is provided. Information such as the existing financial service request / processing history is provided without communication with the integrated electronic wallet server 150 (S1308).

If the user decides to use the new financial service (S1310), if the user wants to use the new financial service, the electronic wallet program 230 is connected to the integrated electronic wallet server 150 via the wired and wireless communication network 140. By receiving the standard interface screen from the integrated electronic wallet server 150 and outputting it (S1312), the electronic wallet device 110 and the user are authenticated (S1314). Here, the electronic wallet program 230 is connected using the domain name or URL of the integrated electronic wallet server 150, but end-to-end using compression, encryption, tunneling, etc. over TCP / IP without using a web browser and HTML, etc. (P2P: Peer to Peer) A cryptographic communication method is used. The integrated electronic wallet server 150 recognizes the connection of the electronic wallet device 110, and uses the financial information such as the electronic wallet unique number (WIN) stored in the electronic wallet device 110, the user's official certificate, account information, etc. To authenticate the user with the electronic wallet device (110).

When the electronic wallet device 110 and the authentication of the user are completed, the electronic wallet program 230 may request a financial service requested by the user through a standard interface screen. Request to the integrated electronic wallet server 150 in the form (S1316). At this time, the pocket banking standard message includes a content designating a financial institution requesting a financial service.

Here, the standard interface screen includes a list of financial institutions where the user has opened an account or is trading, and an icon for selecting and requesting various financial services. In addition, the electronic wallet program forms a banner on a specific home page when a user requests financial services in real time or periodically using a separate window as well as when a user requests financial services through the aforementioned standard interface screen. When inserted into the real-time or periodically request a specific financial service pocket banking standard message is generated and transmitted to the integrated electronic wallet server 150.

When the integrated electronic wallet server 150 receives the pocket banking standard message, the integrated electronic wallet server 150 receives the user's financial service request, and analyzes the corresponding pocket banking standard message to designate the financial service requested by the user. ), Preferably using a financial institution management network such as a leased line, in the form of a preamble (financial institution message) for each financial institution defined in advance (S1318).

When the electronic financial server of the financial institution server 160 receives the financial service processing request (financial institution message) of the integrated electronic wallet server 150, the electronic financial server requests the financial service of the user by interworking with the account server managing the user's account information. Process and return the result to the integrated electronic wallet server (150) (S1320). The integrated electronic wallet server 150 transmits the financial service processing result received from the financial institution server 160 to the user terminal 130 in the form of a pocket banking standard message (S1322).

The electronic wallet program analyzes the pocket banking standard message received from the integrated electronic wallet server 150, provides the processing result of the financial service as a screen to the user, and stores the request / processing details of the corresponding financial service (S1324).

When using the integrated electronic wallet service as described above, when a user inquires a plurality of accounts interspersed in several financial institutions or requests a financial transaction such as a transfer at the same time, the user does not need to connect to each server of each financial institution. With a single connection to the integrated electronic wallet server 150, all financial services can be processed in a unified interface.

In addition, when the user does not use the electronic wallet program 230 of the electronic wallet device 110, after performing the user's authentication through an authorized certificate, etc. using a user terminal banking program installed in the user terminal 130 By performing communication in accordance with the specification of the pocket banking standard message between the user terminal banking program and the integrated electronic wallet server 150, the integrated electronic wallet server 150 provides a standard interface screen, which is the same as using the electronic wallet program. Can provide services.

In addition, the standard interface screen of the user and all financial service request / processing information can be stored in the electronic wallet device 110, and information such as the existing financial service request / processing history without the connection to the integrated electronic wallet server 150 Can be provided.

14 is a flowchart illustrating a method of providing a financial service using an electronic wallet-supported financial transaction terminal according to a third embodiment of the present invention.

According to a third preferred embodiment of the present invention, when the electronic wallet device is connected through the USB communication unit 770 of the electronic wallet-supported financial transaction terminal 120 of the present invention (S1402), a personal identification number (PIN) is received from the user. The user is authenticated through comparison with a personal identification number (PIN) stored in the electronic wallet device (S1404).

If the user's authentication is successful, the electronic wallet support program receives the battery wallet unique number (WIN) from the electronic wallet program, and sends the electronic wallet unique number (WIN) to the financial institution server that issued or registered the electronic wallet device. The device 110 is authenticated (S1406).

When the authentication of the user and the electronic wallet device is completed, the electronic wallet support program reads the user financial information from the electronic wallet device (S1408).

The user's financial information is determined whether the user has set the main financial institution (S1410), if the user has a history set as the main financial institution, the requested financial services are processed by the financial institution server (S1412). ), If there is no history of setting up the main financial institution, provide a list of all financial institutions that the user deals with, select a financial institution to use financial services, and provide the user interface of the financial institution to provide financial services. After receiving the selection, the financial institution server requests the processing of the financial service (S1414).

For example, when a user pays for goods or meals, the card payment terminal (electronic wallet-supported financial transaction terminal) connected to the electronic wallet device has the financial information of the financial institution if the user sets the main financial institution. If you make a payment immediately by using, and if there is no setting of the main financial institution, the card or account information of all financial institutions stored in the user's electronic wallet device is provided as a list, and then the corresponding financial institution's card or account is provided. Pay the cost.

In addition, when the user connects an electronic wallet device to an ATM / CD (electronic wallet supported financial transaction terminal) provided in a financial institution, the electronic wallet support provided in the electronic wallet supported financial transaction terminal 120 is provided. The program 800 directly outputs an interface for providing financial services (account inquiry / withdrawal / transfer, etc.) of the financial institution of the user when there is a setting for the main trading financial institution, and if there is no setting for the main trading financial institution. After providing a list of all financial institutions stored in the user's electronic wallet device, and provides the user interface of the selected financial institution.

Here, when a financial service request is made to a financial institution server, the financial service request information such as account / card information, service type (transfer / inquiry, etc.), payment or processing amount, and user authentication information of the financial institution is transmitted. do.

The financial institution server processes the financial service requested by the user, and then transfers the processing result of the financial service to the electronic wallet supporting financial transaction terminal 120 of the present invention (S1416), and the electronic wallet supporting financial transaction terminal 120. The outputs the processing result of the financial service received from the financial institution server through the output unit 720, or stores in the electronic wallet device (S1418).

Therefore, the user does not need to manage card payment receipts or detailed statements by storing the request / processing details of the financial services in the electronic wallet device after using the financial services of a plurality of financial institutions.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

1 is a block diagram schematically illustrating a system for providing an electronic wallet service according to the first, second, and third preferred embodiments of the present invention;

2 is a block diagram schematically showing an electronic wallet device according to a first embodiment of the present invention;

3 is a view showing an example of an electronic wallet system for providing a financial service using an electronic wallet device according to a first embodiment of the present invention,

Figure 4 is a block diagram schematically showing the internal configuration of the integrated electronic wallet server according to a second embodiment of the present invention,

5 is a flow chart for explaining the flow of messages transmitted and received by the integrated electronic wallet server according to a second embodiment of the present invention;

6 is an exemplary view showing a screen for providing financial services of a plurality of financial institutions in the integrated electronic wallet server according to a second embodiment of the present invention,

7 is a block diagram schematically showing an electronic wallet-supported financial transaction terminal according to a third embodiment of the present invention;

8 is a block diagram for explaining an electronic wallet support program according to a third embodiment of the present invention;

9 is a flowchart illustrating the registration and issuance of an electronic wallet device for providing an electronic wallet service according to a first embodiment of the present invention;

10 is a flowchart illustrating a process of providing a financial service through an electronic wallet service in a financial institution server according to the first embodiment of the present invention;

11 is a flow chart for explaining connection and disconnection between an electronic wallet device and a user terminal according to a first embodiment of the present invention;

 12 is a flowchart illustrating a process of providing a financial service by the electronic wallet program according to the first embodiment of the present invention;

13 is a flowchart illustrating a method for providing an electronic wallet service by an integrated electronic wallet server according to a second embodiment of the present invention;

14 is a flowchart illustrating a method of providing a financial service using an electronic wallet-supported financial transaction terminal according to a third embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

110: electronic wallet device 120: electronic wallet support financial transaction terminal

130: user terminal 140: wired and wireless communication network

150: integrated electronic wallet server 160: financial institution server

170: financial institution terminal

Claims (23)

In the system for providing financial services, An electronic wallet device configured to include a flash memory unit, a smart card unit, and a communication unit, to manage / store various financial information of a user by operating an provided electronic wallet program, and to provide the financial service; Wired and wireless communication network for providing a wired and wireless communication path; A user terminal connected to the electronic wallet device through a provided communication port and providing the financial service via the wired / wireless communication network; Issuing, registering, and authenticating the electronic wallet device to newly issue the electronic wallet device to the user, when the electronic wallet device is connected through the wired / wireless communication network, after authenticating the electronic wallet device, One or more financial institution servers providing the financial services; And A financial institution terminal providing an interface for issuing and registering the electronic wallet device in association with the financial institution server. System for providing a financial service using an electronic wallet device comprising a. The method of claim 1, The electronic wallet device, A system for providing financial services using an electronic wallet device, characterized in that it is produced in the form of a USB memory stick. The method of claim 1, The flash memory unit, A program area for storing the electronic wallet program; And Data area including screen data, financial transaction data, computer device-specific data, and user-defined data System for providing a financial service using an electronic wallet device comprising a. The method according to claim 1 or 3, The electronic wallet program is characterized in that when the electronic wallet device is connected to the user terminal, the electronic wallet device provides the financial service using the financial information and the data stored in the data area in cooperation with the financial institution server. System to provide financial services using. The method of claim 1, wherein the financial information, A system for providing a financial service using an electronic wallet device, characterized in that it comprises at least one or more of a certificate, account information, card information, user information and smart card information. The method of claim 1, wherein the user terminal, A personal computer (PC), a personal digital assistant (PDA), a mobile communication terminal, and a set-top box that can be connected to the financial institution server via the wired / wireless communication network. System for providing a financial service using an electronic wallet device, characterized in that it comprises a computer device having at least one or more of its own computing function. The method of claim 6, wherein the user terminal, A USB port connected to the communication unit of the electronic wallet device; An input device including at least one of a keyboard, a keypad, a touch screen, and a mouse; An output device including at least one of a monitor, a liquid crystal and a touch screen; And A self computing device that performs overall management of the user terminal and provides financial services to the user through the electronic wallet program of the electronic wallet device. System for providing a financial service using an electronic wallet device comprising a. The system of claim 1, wherein the system is The electronic wallet device, characterized in that for authenticating the electronic wallet device and the user using a wallet wallet identification number (WIN) and a personal identification number (PIN) stored by the electronic wallet device. System to provide financial services by using. Electronic wallet system that stores the user's financial information, wallet identification number (WIN), personal identification number (PIN) and electronic wallet program, user terminal and server of financial institution In the financial service providing method using the financial institution server, (a) when the electronic wallet program accesses the financial institution server, requesting, by the financial institution server, the electronic wallet unique number from the electronic wallet program; (b) receiving, by the financial institution server, the financial service request from the electronic wallet program when the electronic wallet unique number is registered; (c) the financial institution server processing the financial service; And (d) the financial institution server notifying the electronic wallet device of the processing result of the financial service; Method of providing a financial service using an electronic wallet device comprising a. The method of claim 9, wherein the method is Before step (a) above, (a-1) if the electronic wallet device is connected to the user terminal, identifying the user terminal; (a-2) the electronic wallet device driving the electronic wallet program suitable for the user terminal and authenticating the user through the personal identification number; And (a-3) if the authentication of the user is successful in the step (a-2), the driven electronic wallet program accesses the financial institution server at the request of the user Method of providing a financial service using an electronic wallet device characterized in that it further comprises. The method of claim 9, wherein the method is After step (a) above, (a1) checking, by the financial institution server, the electronic wallet unique number received from the electronic wallet program; And (a2) registering the electronic wallet unique number if the electronic wallet unique number is not registered in the financial institution server as a result of checking in step (a1) Method of providing a financial service using an electronic wallet device characterized in that it further comprises. In a system that provides financial services in conjunction with at least one financial institution server, A flash memory unit, a smart card unit, and a USB interface, including a function of managing / storing / delivering user financial information, requesting the financial service, and receiving a processing result of the financial service by driving the provided electronic wallet program; Electronic wallet device; A user terminal connected to the electronic wallet device and provided with a standard interface when the electronic wallet program is driven to provide the financial service provided by the financial institution server; Wired and wireless communication network for providing a wired and wireless communication path; And Provide the standard interface to the user terminal via the wired / wireless communication network, authenticate the user, and when the financial service is requested from the user through the standard interface, the financial service through interworking with the financial institution server. E-wallet server for processing and sending results System for providing a financial service using an electronic wallet device and integrated electronic wallet server comprising a. The electronic wallet program of claim 12, When the user inputs a command for requesting the financial service using the user terminal, a pocket banking standard message (PBSM) including a financial service request is generated and transmitted to the integrated electronic wallet server. System for providing a financial service using an electronic wallet device and an integrated electronic wallet server, characterized in that. The method of claim 12, The flash memory unit may store a program area for storing the electronic wallet program and data related to a user interface, financial transaction data of the user, device data for connecting to the user terminal, and data related to setting contents of the user. The smart card unit includes a chip operating system (COS) and includes a public key infrastructure (PKI) and a secret key encryption algorithm, and stores the user financial information. A system for providing financial services using an electronic wallet device and an integrated electronic wallet server, comprising a memory area. The method of claim 12 or 14, wherein the financial information, A system for providing financial services using an electronic wallet device and an integrated electronic wallet server, characterized in that it comprises at least one or more of financial institution information, public certificate, account information, card information, user information and smart card information. The method of claim 12, wherein the electronic wallet device, A wallet identification number (WIN) and a personal identification number (PIN) are stored, and the wallet unique number and the personal identification number are generated when the electronic wallet device is issued / registered. A system for providing a financial service using an electronic wallet device and an integrated electronic wallet server, characterized in that stored in the internal memory of the smart card unit and used for authentication of the user. The method of claim 12, wherein the integrated electronic wallet server, Using the electronic wallet device and the integrated electronic wallet server, characterized in that the user terminal transmits and receives a request / response pocket banking standard message, and the service request / response financial institution messages with the plurality of financial institution server System that provides services. The method of claim 17, The pocket banking standard message may include a financial institution code indicating information of a financial institution that the user requested financial services, a user authentication code indicating whether the user authenticated successfully, a financial service request code indicating the type of the financial service requested by the user, and A system for providing a financial service using an electronic wallet device and an integrated electronic wallet server, characterized in that it comprises at least one of the processing result of the financial service. The method of claim 17, The financial institution message may include at least one or more of a user authentication code, a financial service request code, and a financial service processing result, and the electronic wallet device and integrated electronics may be configured to meet the transmission standards and message types of each financial institution. A system that provides financial services using a wallet server. The method of claim 17, wherein the integrated electronic wallet server, An electronic wallet device characterized by analyzing information of a financial institution included in the pocket banking standard message received from the user terminal and accessing the financial institution server of the financial institution to process the financial service requested by the user; A system that provides financial services using an integrated electronic wallet server. The method of claim 12, wherein the integrated electronic wallet server, A function of integrating and providing various financial services of the plurality of financial institution servers into one interface using the standard interface, providing a plurality of the financial services through a plurality of windows, and a specific web or swap A system for providing a financial service using an electronic wallet device and an integrated electronic wallet server, which is applied to a page and performs at least one or more functions of providing the financial service requested by the user in the form of a banner. In the system for providing financial services, An electronic wallet device configured to include a flash memory unit, a smart card unit, and a communication unit, to manage / store various financial information of a user by operating an provided electronic wallet program, and to provide the financial service; Wired and wireless communication network for providing a wired and wireless communication path; Issuing, registering, and authenticating the electronic wallet device to newly issue the electronic wallet device to the user; when the electronic wallet device is connected through the wired / wireless communication network, the electronic wallet device is authenticated. One or more financial institution servers providing financial services; And An electronic wallet supporting terminal for operating the electronic wallet supporting program to process the financial service in conjunction with the electronic wallet program of the electronic wallet device. System for providing a financial service using an electronic wallet device and electronic wallet support terminal comprising a. The method of claim 1, The electronic wallet support terminal When the electronic wallet device is connected, authenticate the user and the electronic wallet device, obtain user financial information from the electronic wallet device, and request the financial service to the financial institution server when the financial service is requested, and then the financial Receiving a processing result of the financial service from the institution server, and outputs the processing result or the system for providing a financial service using an electronic wallet device and an electronic wallet support terminal characterized in that stored in the electronic wallet device.

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