KR20100010869A - System and method inquiring transaction by voip terminal, voip terminal and recording medium - Google Patents

Abstract

PURPOSE: A transaction inquiring method through a VoIP terminal using a CD/ATM base security module, a system thereof and a VoIP terminal for recording medium are provided to safely supply a transaction service without additional certificate. CONSTITUTION: An inquiry object selection interface is outputted. A card information reading interface for a card insertion and a PIN input is outputted. A password input interface is outputted for inputting the password about the inquiry object account. It confirms whether a password is inputted through the password input interface(1010). An inquiry information input interface is outputted(1020). The information is transmitted through the secure communications channel to the financial corporation server between the card information and password.

Description

Transaction inquiry method and system through VIP terminal and VIO terminal and recording medium for it {System and Method Inquiring Transaction by VoIP Terminal, VoIP Terminal and Recording Medium}

1 is a diagram illustrating a VoIP subscription system for providing virtual CD / ATM based non-face-to-face financial transactions through VoIP according to an embodiment of the present invention.

2 is a diagram illustrating a VoIP subscription process for providing a virtual CD / ATM-based non-face-to-face financial transaction through VoIP according to an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a VoIP terminal having a virtual CD / ATM based transaction inquiry function through VoIP according to an embodiment of the present invention.

4 is a diagram illustrating a virtual CD / ATM based financial transaction system through VoIP according to an embodiment of the present invention.

5 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal and a financial institution server according to an embodiment of the present invention.

6 is a diagram illustrating a process of processing a VoIP terminal to be recognized as a virtual financial terminal according to an embodiment of the present invention.

7 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

8 is a diagram illustrating a first process of processing a transaction inquiry by processing a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

9 is a diagram illustrating a second process of processing a transaction inquiry by processing a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a third process of processing a transaction inquiry by processing a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

11 is a diagram illustrating a fourth process of processing a transaction inquiry by processing a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

12 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a financial transaction item selection interface for virtual CD / ATM based transaction inquiry through VoIP according to an embodiment of the present invention.

14A, 14B, 14C, 14D, 14E, 14F, and 14G illustrate a card information reading interface and inquiry information input interface for virtual CD / ATM based transaction history inquiry through VoIP according to an embodiment of the present invention. Figure is an illustration.

15A, 15B, 15C, 15D, 15E, and 15F illustrate a card information reading interface and inquiry information input interface for viewing a virtual CD / ATM based processing result through VoIP according to an embodiment of the present invention. Drawing.

<Description of main parts of drawing>

100: storage medium 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

130: information transmission unit 135: storage medium

140: VoIP server 145: subscription processing terminal

150: VoIP terminal

The present invention includes a key input means, a screen output means, and a card reader, and a non-face-to-face finance using a virtual financial terminal through the card reader, including at least one CD (Cash Dispenser) or ATM (Automatic Teller Machine). A transaction inquiry method through a VoIP terminal having a security module for controlling a transaction, wherein the security module is provided in the security module through the secure communication channel connected between the VoIP terminal and a financial company server according to the control of the virtual financial terminal function of the security module. Transmitting virtual financial terminal information to the financial institution server to process the VoIP terminal to be recognized as a virtual financial transaction terminal; and if the VoIP terminal is recognized as a virtual financial transaction terminal, display a transaction query menu through the screen output means. Outputting a financial transaction item selection interface including a; and, when the transaction inquiry menu is selected, transaction history inquiry and processing result inquiry Outputting an inquiry target selection interface for selecting any one of the times; and outputting a card information reading interface for card insertion and PIN input according to the control of the virtual financial terminal function of the security module corresponding to the selected inquiry target; And, when reading card information (or account information) from the card, outputting an inquiry information input interface for selecting an inquiry target account, inputting a password, and setting an inquiry period according to the control of the virtual financial terminal function of the security module. Transmitting the card information (or account information), password, and inquiry period information to the financial institution server through the secure communication channel according to the control of the virtual financial terminal function of the security module; and the card information (or account information) from the financial institution server. Screen for receiving search result information during an inquiry period for It relates to a transaction method using a lookup VoIP terminal having a virtual financial terminal function, comprising the step of outputting through the output means.

With the continuous development of information and communication technology, each financial institution has been using non-face-to-face financial transaction channels through the financial transaction terminal through CD / ATM (Cash Dispenser / Automatic Teller Machine), telebanking, internet banking, and wireless application protocol (WAP) based wireless. It provides various types of non-face-to-face financial transaction channels using customer terminals such as banking and wireless banking based on integrated circuit (IC) chips.

The non-face-to-face financial transaction channel through the CD / ATM of the non-face-to-face financial transaction channel is carried by the customer through a card reader provided in the financial transaction terminal directly managed and operated by each financial institution (or an authorized affiliated company). It is characterized in that it provides a non-face-to-face financial transaction channel using the card information read from the customer card that is present as an authentication means (for example, terminal authentication for the CD / ATM and whether the customer card possession).

In addition, the tele-banking and WAP-based wireless banking of the non-face-to-face financial transaction channel, the characteristics of the communication network that the customer terminal uses a circuit-switched communication network difficult to intervene third-party intervention, and each communication company authenticates the validity of the terminal The non-face-to-face financial transaction channel is provided by using the subscriber authentication characteristic as an authentication means, and the Internet banking uses a non-faceted financial transaction by using an accredited certificate provided to a client terminal connected to an open network through which third party intervention is possible. Characterized by providing a face-to-face financial transaction channel, the IC chip-based wireless banking is characterized by providing a non-face-to-face financial transaction channel using the IC chip as an authentication means.

Recently, VoIP services have been commercialized, including the characteristics of subscriber authentication through carriers, such as telebanking and WAP-based wireless banking, and connected to an open network capable of third-party intervention.

However, the VoIP is difficult to provide a non-face-to-face financial transaction channel such as the telebanking and WAP-based wireless banking because it does not use a circuit-switching scheme, which has subscriber authentication characteristics through the telecommunications company, but the third party intervention is difficult. In order to solve the problem of the open network that can be intervened by the third party, in order to use the certificate as a means of authentication, there is a problem that involves complicated procedures such as inconvenient key input of numeric keys and issuance of a separate certificate. It is included.

An object of the present invention for solving the above problems, having a card reader, a virtual financial terminal through the card reader-including at least one CD (Cash Dispenser), ATM (Automatic Teller Machine)-non-face-to-face using A terminal authentication means for authenticating a VoIP terminal having a security module for controlling a financial transaction with a virtual financial terminal, and a transaction including one or more of account information (or card information), password, and inquiry period information from the VoIP terminal; The VoIP terminal generates a transaction response message including a specialized receiving means for receiving a request message, a transaction inquiry processing means for processing a transaction inquiry according to a transaction procedure of a financial terminal through the transaction request message, and a transaction inquiry result; It is to provide a transaction inquiry system through a VoIP terminal having a professional transmission means for transmitting to.

In the transaction inquiry method through the VoIP terminal according to the present invention, a key input means, a screen output means and a card reader, a virtual financial terminal through the card reader-CD (Cash Dispenser), ATM (Automatic Teller Machine) The transaction inquiry method through the VoIP terminal having a security module for controlling the non-face-to-face financial transactions using the function, the security connected between the VoIP terminal and the financial company server according to the control of the virtual financial terminal function of the security module Transmitting the virtual financial terminal information provided in the security module to the financial institution server through a communication channel to process the VoIP terminal to be recognized as a virtual financial transaction terminal, and when the VoIP terminal is recognized as a virtual financial transaction terminal. Outputting a financial transaction item selection interface including a transaction inquiry menu through the screen output means; Outputting a query object selection interface for selecting any one of a transaction history inquiry and a processing result inquiry upon selecting a new one, and inserting a card and inputting a PIN according to the control of a virtual financial terminal function of the security module corresponding to the selected inquiry object; Outputting a card information reading interface for reading, and when reading card information (or account information) from the card, according to the control of the virtual financial terminal function of the security module, selecting an inquiry target account, entering a password, and setting up an inquiry period. Outputting an information input interface, transmitting the card information (or account information), password, and inquiry period information to a financial institution server through the secure communication channel according to the control of the virtual financial terminal function of the security module; During the inquiry period for the inquiry target of the card information (or account information) from the financial institution server And receiving the inquiry result information and outputting the same through the screen output means.

In accordance with an aspect of the present invention, a transaction inquiry method through a VoIP terminal includes transmitting security module information and VoIP terminal information to a server on a communication network, and activating a virtual financial terminal corresponding to the security module information and VoIP terminal information from a server on the communication network. And receiving information and activating a virtual financial terminal function, and connecting an end-to-end secure communication channel based on encryption / decryption with a financial institution server according to the control of the virtual financial terminal function of the security module. do.

In the transaction inquiry method through the VoIP terminal according to the present invention, the security module, the financial terminal operation procedure and policy for each financial institution set in each financial institution in the financial institution server that is connected to the VoIP terminal and the end-to-end secure communication channel Virtual financial terminal information for recognizing the VoIP terminal as a virtual financial terminal, and non-face-to-face financial transaction control information for controlling the VoIP terminal to process non-face-to-face financial transactions according to financial terminal operation procedures and policies for each financial institution. And a non-face-to-face financial transaction authentication function for authenticating each non-face-to-face financial transaction step through the VoIP terminal according to the non-face-to-face financial transaction control information, and one or more key values and protocols for the non-face-to-face financial transaction authentication. It is characterized by.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the transaction inquiry method through the above-described VoIP terminal.

In the VoIP terminal according to the present invention, a key input unit, a screen output unit, and a card reader are provided, and at least one virtual financial terminal-CD (Cash Dispenser) or ATM (Automatic Teller Machine) is provided through the card reader. The VoIP terminal having a security module for controlling a non-face-to-face financial transaction using a function includes a security module through the secure communication channel connected between the VoIP terminal and a financial company server according to the control of the virtual financial terminal function of the security module. A terminal authentication processing unit for transmitting the provided virtual financial terminal information to the financial institution server to process the VoIP terminal to be recognized as a virtual financial transaction terminal, and when the VoIP terminal is recognized as a virtual financial transaction terminal, the virtual module of the security module An interface output unit for outputting an interface for transaction inquiry through the screen output means according to a financial terminal function control; The card information (or account information) read from the card reader and the password and inquiry period information input through the key input means are transferred to the financial company server through the secure communication channel under the control of the virtual financial terminal function of the security module. The virtual financial terminal function in connection with the security processing module and the security processing module for transmitting and receiving the inquiry result information during the inquiry period for the card information (or account information) from the financial company server and output through the screen output means. And a virtual financial terminal control unit for controlling.

Meanwhile, the transaction inquiry system through the VoIP terminal according to the present invention includes a card reader and a virtual financial terminal through the card reader, including at least one CD (Cash Dispenser) and ATM (Automatic Teller Machine). At least one terminal authentication means for authenticating a VoIP terminal having a security module for controlling a non-face-to-face financial transaction using a virtual financial terminal, and account information (or card information), a password, and a period of inquiry information from the VoIP terminal; Generating a transaction response message including a transaction inquiry processing means for processing a transaction inquiry according to a transaction procedure of a financial terminal through the transaction request message and a transaction response message including a transaction inquiry result; Characterized in that it comprises a specialized transmission means for transmitting to the VoIP terminal.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating a VoIP subscription system for providing virtual CD / ATM-based non-face-to-face financial transactions through VoIP according to an embodiment of the present invention.

In more detail, Figure 1 is a Voice over Internet Protocol (VoIP) or Internet telephone subscription customer provided with a key input means, a screen output means and a card reader, a virtual financial terminal (eg, CD (Cash Dispenser) through the card reader Purchase (or receive) a VoIP terminal 150 having a security module for controlling non-face-to-face financial transactions using the ATM (including at least one automatic teller machine) function, and for the VoIP terminal 150 In the VoIP subscription process, if the subscription processing terminal 145 provides the VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information to the VoIP system through a communication network, the VoIP system in the VoIP system The subscription information is stored in the storage medium 135 provided on the VoIP system, and virtual VoIP terminal activation information for the security module corresponding to the security module information is generated to generate the VoIP terminal 150. ), And further connect the virtual financial terminal activation information to the storage medium 135 and store it in the storage medium 135, thereby performing CD / ATM-based non-face-to-face financial transactions through the VoIP terminal 150. As the VoIP subscription system configuration for processing to provide a, those skilled in the art to which the present invention pertains, the virtual CD / ATM based non-face-to-face financing through the VoIP by referring to and / or modifying the Figure 1 Various implementation methods for the configuration of the VoIP subscription system for providing a transaction may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the VoIP subscription information provided from the subscription processing terminal 145 is stored in the storage medium 135 on the VoIP subscription information registration system shown in FIG. 1, and the virtual information about the security module corresponding to the security module information is stored. After generating the financial terminal activation information to the VoIP terminal 150 to the VoIP terminal 150, and further linked to the virtual financial terminal activation information to the storage medium 135 and stored in the storage medium 135 At least one means or component corresponding to the functional configuration is referred to as " VoIP subscription server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a VoIP subscription system for providing a virtual CD / ATM-based non-face-to-face financial transaction through VoIP according to the present invention includes at least one subscription processing terminal 145 connected to a communication network. And the VoIP subscription information including at least one of the customer information transmitted from the subscription processing terminal 145, the VoIP terminal 150 information, and the security module information, and the security module corresponding to the security module information. The storage medium 135 further stores the virtual financial terminal activation information, and is connected to the subscription processing terminal 145 through a communication network and receives the VoIP subscription information transmitted through the communication network to receive the storage medium 135. The VoIP subscription server 100 stored in the storage medium 135 in association with the virtual financial terminal activation information for the security module corresponding to the security module information. Characterized in that obtained by box.

The subscription processing terminal 145 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the VoIP subscription server 100 through a communication or connected to a code division multiple access (CDMA) based mobile communication network, or A wireless communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based wireless communication network, a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including one or more.

According to the embodiment of the present invention, the subscription processing terminal 145 inputs (or at least one VoIP subscription information including at least one customer information, VoIP terminal 150 information and security module information from the VoIP subscription server 100) (or Receiving and outputting at least one interface screen, and inputting (or selecting) VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information through the interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for transmitting to the VoIP subscription server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the subscription processing terminal 145 corresponding to at least one wired terminal or a wireless terminal, and thus the detailed description thereof is provided for convenience. Omit.

When the subscription processing terminal 145 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the subscription processing terminal 145 is a wireless terminal, Preferably, the communication network includes at least one CDMA-based (or HSDPA-based) mobile communication network, IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless LAN communication network.

The storage medium 135 provided on the VoIP system for the VoIP subscription providing the virtual CD / ATM based non-face-to-face financial transaction through the VoIP is the customer information transmitted from the subscription processing terminal 145 and the VoIP terminal 150. ) Stores VoIP subscription information including at least one information and security module information, and further stores the virtual financial terminal activation information for the security module corresponding to the security module information.

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 150 provided with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 150. It is preferable to comprise).

The VoIP terminal 150 information is identification information assigned to the VoIP terminal 150 by a VoIP provider to identify the VoIP terminal 150 that is requested to be subscribed among the plurality of VoIP terminals 150. Preferably, the VoIP terminal 150 includes a telephone number, and according to the intention of a person skilled in the art, the VoIP terminal 150 further includes other identification information (for example, an ESN, a serial number, an IP address, etc.) in addition to the telephone number. It is preferable to make.

The security module information is information for identifying a security module provided in the VoIP terminal 150, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information is activated by the security module provided in the VoIP terminal 150 and the VoIP terminal 150 is recognized as a virtual financial terminal (for example, CD / ATM (Cash Dispenser / Automatic Teller Machine)) and Information to be processed to operate, including one or more verification (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, etc. that are read (or authenticated) by the security module It is preferable.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, the storage of the virtual financial terminal activation information in the storage medium 135 may be omitted. The present invention is not limited by this.

According to an embodiment of the present invention, the VoIP subscription server 100 establishes a communication channel with the subscription processing terminal 145 through the communication network to provide a web interface corresponding to the communication network with the subscription processing terminal 145. It is characterized in that it comprises an interface unit 105 for connecting and managing, whereby the VoIP subscription server 100 is connected to the subscription processing terminal 145 and a wired communication network, or a wireless communication network of a web server connected through a wireless communication network. With functions.

According to an embodiment of the present invention, when the subscription processing terminal 145 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 105 is connected to the subscription processing terminal 145. Connect a communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and transmit and output an interface screen in the form of a document compatible with HTML (Hyper-Text Markup Language) to the subscription processing terminal 145 through the communication channel. It is preferable to perform a function of receiving and processing VoIP subscription information input (or selected) through the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the subscription processing terminal 145 and the WAP. (Wireless Application Protocol) or ME (Mobile Explorer) protocol to connect a communication channel, the interface screen in the form of WML (Wireless Markup Language) or HTML compatible document to the subscription processing terminal 145 through the communication channel It is preferable to perform the function of transmitting and outputting the data, and receiving and processing VoIP subscription information corresponding to the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is the subscription processing terminal 145. ) And a communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmits and outputs an interface screen to the subscription processing terminal 145 through the communication channel, from the subscription processing terminal 145. It is preferable to perform a function of receiving and processing VoIP subscription information corresponding to the interface screen, or when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, The interface unit 105 connects a communication channel with the subscription processing terminal 145 based on a wireless protocol corresponding to the IEEE 802.11x standard. To transfer the board through the interface screen to the join processing terminal 145 to the output, and performs processing from the subscriber terminal 145, a function of receiving the VoIP processing subscription information corresponding to the interface screen are preferred.

Referring to FIG. 1, the VoIP subscription server 100 connects the VoIP subscription server 100 to the VoIP subscription server 100 through the interface unit 105 to request VoIP registration information registration. In connection with 105, the subscription processing terminal 145 generates (or selects) an interface screen for inputting (or selecting) and transmitting VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information. (Or extract) the VoIP subscription information inputted (or selected) and transmitted through the interface screen by the interface providing unit 110 and the interface processing unit 105 in connection with the interface unit 105. And an information storage unit 125 for storing the received VoIP subscription information in the storage medium 135.

The interface providing unit 110, when the subscription processing terminal 145 is connected to the VoIP subscription server 100 through the interface unit 105, the functional configuration (eg, subscription) provided in the subscription processing terminal 145 In response to the browser program included in the processing terminal 145, the user can input (or select) VoIP subscription information to generate an interface screen for transmitting to the VoIP subscription server 100 through the communication network, or a database (not shown). And the interface screen generated in conjunction with the interface unit 105 is provided to the subscription processing terminal 145 through the communication network.

Thereafter, the subscription processing terminal 145 inputs (or selects) VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information based on the interface screen, and the VoIP subscription information. When it is confirmed that is input (or selected), the subscription processing terminal 145 transmits the input (or selected) VoIP subscription information to the VoIP subscription server 100 through the communication network.

Those skilled in the art to which the present invention pertains, the customer information and the VoIP terminal 150 information and at least one form form included in the interface screen in the subscription processing terminal 145 and The VoIP subscription server 100 includes technical features for inputting (or selecting) VoIP subscription information including at least one security module information, and the VoIP subscription information input (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features to transmit to, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) the VoIP subscription information through the interface screen at the subscription processing terminal 145 and transmits the information through the communication network. The VoIP subscription information is interworked with the interface unit 105. And receiving the received VoIP subscription information to the information storage unit 125.

The information storage unit 125 stores VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information received through the information receiving unit 115 in the storage medium 135. Characterized in that.

Referring to FIG. 1, the VoIP subscription server 100 includes an information generation unit 120 for generating virtual financial terminal activation information for a security module corresponding to the security module information, and the generated virtual financial terminal activation information. It is characterized in that it comprises an information transmitting unit 130 for transmitting to the VoIP terminal 150 and the information storage unit 125 for further storing the virtual financial terminal activation information in the storage medium 135 .

When the VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information is received through the information receiver 115, the information generator 120 is included in the VoIP subscription information. Based on the security module information, the virtual financial terminal activation information for the security module provided in the VoIP terminal 150 is generated.

Herein, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (eg, CD / ATM) by activating a security module provided in the VoIP terminal 150. It is preferable to include one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, and the like, which are read (or authenticated) by the security module.

According to another embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, generating the virtual financial terminal activation information may be omitted, and the present invention is not limited thereto. .

When the virtual financial terminal activation information is generated by the information generator 120, the information transmitter 130 transmits the virtual financial terminal to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through a communication network. By transmitting the activation information, when the non-face-to-face financial transaction in the VoIP terminal 150, the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information.

According to another exemplary embodiment of the present invention, the information transmitter 130 corresponds to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through the VoIP server 140 connected to the VoIP terminal 150 and the VoIP communication channel. By transmitting the virtual financial terminal activation information to), when the non-face-to-face financial transaction in the VoIP terminal 150, it is possible to process so that the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information. The present invention is not limited thereby.

When the non-face-to-face financial transaction is performed in the VoIP terminal 150 in the VoIP terminal 150, when the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information, the information storage unit 125 The virtual financial terminal activation information is stored in the storage medium 135 in further connection with the VoIP subscription information.

2 is a diagram illustrating a VoIP subscription process for providing a virtual CD / ATM based non-face-to-face financial transaction through VoIP according to an embodiment of the present invention.

In more detail, FIG. 2 shows that the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. 1 provides customer information, VoIP terminal 150 information, and security module information to the VoIP subscription server 100 through a communication network. When the VoIP subscription information including at least one is transmitted, the VoIP subscription server 100 stores the VoIP subscription information in the storage medium 135, and activates the virtual financial terminal for the security module corresponding to the security module information. After generating and providing the information to the VoIP terminal 150, the storage medium 135 is further associated with the virtual financial terminal activation information to store in the storage medium 135, the present invention Those skilled in the art can refer to and / or modify the drawing 2 to provide a variety of VoIP subscription processes for providing virtual CD / ATM-based non-face-to-face financial transactions through VoIP. Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the VoIP subscription server 100 on the VoIP subscription information registration system shown in FIG. 1 is referred to as " server " for convenience, and the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 2, a terminal on the VoIP subscription information registration system shown in FIG. 1 is connected to the server through the communication network to provide a virtual CD / ATM based non-face-to-face financial transaction through VoIP. Connect (200).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the communication network through a browser program corresponding to the communication network based on the virtual CD / ATM based on the VoIP Since you will be familiar with the technical features of connecting communication channels for VoIP subscriptions that provide non-face-to-face financial transactions, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for VoIP subscription providing a virtual CD / ATM-based non-face-to-face financial transaction through VoIP is connected between the terminal and the server, the terminal connects to the server through the communication channel to the virtual CD via the VoIP. Request an interface screen for VoIP subscription providing ATM / non-face-to-face financial transactions (205), and correspondingly, the server requests at least one of the customer information, VoIP terminal 150 information, and security module information from the terminal. Generate (or extract) an interface screen including a user interface for inputting (or selecting) VoIP subscription information, including 210, and transmitting the generated (or extracted) interface screen to the terminal through the communication channel. (215)

Thereafter, the terminal includes at least one VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information through the user interface included in the interface screen for input (or selection) of the VoIP subscription information. Process to be input (or selected) (220).

If the VoIP subscription information is input (or selected) in the terminal (225), the terminal includes at least one of the customer information, VoIP terminal 150 information and security module information to the server through the communication channel. The VoIP subscription information is transmitted (230), and correspondingly, the server stores the received VoIP subscription information in the storage medium 135 shown in FIG. 1 (235).

Thereafter, the server generates virtual financial terminal activation information for the security module provided in the VoIP terminal 150 based on the security module information included in the VoIP subscription information (240).

Herein, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (eg, CD / ATM) by activating a security module provided in the VoIP terminal 150. It is preferable to include one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, and the like, which are read (or authenticated) by the security module.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, generating the virtual financial terminal activation information may be omitted, and the present invention is not limited thereto. No.

Thereafter, by transmitting the virtual financial terminal activation information to the VoIP terminal 150 corresponding to the VoIP terminal 150 information, the non-face-to-face financial transaction in the VoIP terminal 150, the virtual financial terminal activation information through the virtual terminal The non-face-to-face financial transaction function of the security module is processed to be activated (245).

If the VoIP terminal 150 is processed to activate the non-face-to-face financial transaction function of the security module through the virtual financial terminal activation information (250), the server adds the virtual financial terminal activation information to the VoIP subscription information. The data is stored in the storage medium 135 in association with each other (255).

3 is a diagram illustrating a functional configuration of a VoIP terminal 300 having a virtual CD / ATM based transaction inquiry function through VoIP according to an embodiment of the present invention.

In more detail, FIG. 3 includes a key input means, a screen output means, and a card reader, and includes a virtual financial terminal (eg, a CD (Cash Dispenser) and at least one Automatic Teller Machine (ATM)) through the card reader. In the VoIP terminal 300 having a security module 340 for controlling a non-face-to-face financial transaction using a function, the virtual terminal via VoIP based on the card reader and key input means, screen output means and security module 340 As a method for providing a CD / ATM based transaction inquiry function, a person having ordinary knowledge in the art to which the present invention pertains refers to the virtual CD / ATM based on the VoIP by referring to and / or modifying the drawing 3. In addition to the transaction inquiry function, various additional function configurations for the VoIP terminal 300 having other non-face-to-face financial transaction functions may be further inferred, but the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the VoIP terminal 300 for virtual CD / ATM based transaction inquiry through VoIP basically includes a control unit 305, a memory unit 330, a card reader 310, a key input unit 320, and the like. It comprises a screen output unit 315, a sound processing unit 325, a security module 340 and a power supply unit 345 for supplying power to the VoIP terminal 300, the VoIP terminal 300 is connected Connect a VoIP communication channel with a gateway (or gatekeeper) through a communication network, or a virtual CD via a VoIP server 385 (or a communication relay server 390) and the VoIP on a communication network connected to the VoIP terminal 300. It characterized in that it comprises a communication processing unit 335 for connecting a communication channel for / ATM-based transaction inquiry, it is possible to further comprise at least one or more terminal functional unit (not shown) according to the intention of those skilled in the art.

The controller 305 controls the overall operation of the VoIP terminal 300 in terms of function configuration, manages the flow of information or data between components, and controls the VoIP terminal for the virtual CD / ATM-based transaction inquiry function through the VoIP. At least one processor and an execution memory (for example, a hardware including a Central Processing Unit (CPU) / MPU (Micro Processing Unit)) are characterized in that they interoperate and control at least one or more components included in the 300. And a bus for inputting and outputting predetermined data such as a register or a random access memory (RAM), and a predetermined recording medium for performing a function specific to the VoIP terminal 300 by software. A program routine or program data loaded from the memory into the execution memory and computed by the processor. Including (therefore, a program recorded on a recording medium provided in the VoIP terminal 300 for the virtual CD / ATM based transaction inquiry function through the VoIP, or a software configuration among the functional configurations provided in the VoIP terminal 300). A component capable of being processed is shown in the controller 305).

According to the exemplary embodiment of the present invention, the controller 305 outputs a screen (e.g., the memory unit 330, the card reader 310, the key input unit 320, and a screen) included in the VoIP terminal 300. The electronic payment service defined in the VoIP terminal 300 is provided by interworking the unit 315, the security module 340, the communication processing unit 335, or a terminal function unit (not shown) according to the intention of a person skilled in the art. To control and manage, as well as to control the interworking of the components provided in the VoIP terminal 300 for the virtual CD / ATM-based transaction inquiry via VoIP, or virtual CD / ATM-based transactions via the VoIP It is preferable to execute a program recorded on a recording medium provided in the VoIP terminal 300 for inquiry.

The memory unit 330 may input or output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP terminal 300 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 305 to perform a predetermined control function. It is done.

According to the method of the present invention, the memory unit 330 is connected to the VoIP terminal 300 from the financial institution server 385 (or the communication relay server 390) for the virtual CD / ATM-based transaction inquiry through the VoIP. It is preferable to store the security module 340 information for confirming the provided security module 340.

According to the method of the present invention, the memory unit 330 is a card information (or account information) from the customer card through the card reader 310 for the virtual CD / ATM-based non-face-to-face financial transactions via the VoIP The card information reading interface information for reading the card information reading interface for reading in conjunction with the screen output unit 315, the financial transaction item selection interface for selecting a financial transaction item through the key input unit 320 It is preferable to store the interface information including one or more financial transaction item selection interface information for output in association with the screen output unit 315, the authentication for processing the VoIP terminal 300 to be authenticated as a virtual financial terminal Virtual financial terminal authentication for outputting the virtual financial terminal authentication interface for inputting information in conjunction with the screen output unit 315 It is desirable to further store the increase interface information.

In particular, the card information reading interface is a case where the customer card is an IC card having a PIN (Personal Identification Number) authentication function or a card password authentication function provided in the customer card is provided in the VoIP terminal 300. Preferably, the PIN card further comprises a PIN input interface for inputting PIN information (or card password) for the customer card.

According to an embodiment of the present invention, the memory unit 330 outputs the screen for inputting inquiry information for selecting a account to be queried, inputting a password, and setting an inquiry period for the virtual CD / ATM-based transaction inquiry through the VoIP. It is preferable to store the inquiry information input interface information for output in association with the unit 315.

Customers using the VoIP terminal 300, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, or based on the ISO / IEC 7816 standard contact IC card (or wireless IC chip), or ISO / Based on the IEC 14443 standard, it possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), and the card reader 310 includes at least one information or data provided in the card. It provides an interface for reading the.

According to the method of the present invention, the card reader 310 is an MS reader for providing an interface between the MS card and the VoIP terminal 300, or an interface between the contact IC card and the VoIP terminal 300. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 300.

The MS reader unit is a card reader unit 310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized in that the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to the VoIP terminal 300 by using the loading.

The contact IC reader unit is a card reader unit 310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the VoIP terminal (300).

The non-contact IC reader is a card reader 310 based on ISO / IEC 14443. At least one of the non-contact IC cards may be in electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using APDU (VoIP terminal) 300).

According to an embodiment of the present invention, the card reader 310 is linked to the card information (eg, customer account) from the customer card through the card reader 310 for the virtual CD / ATM-based transaction inquiry through the VoIP It is preferable to read the cash card information, debit card information, and check card information, or to read the account information (eg, real account number, virtual account number, online account number) or electronic bank account information.

The key input unit 320 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the device, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP terminal 300 controlled by the controller 305. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305, and the controller 305 is Obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 300, or executing a predetermined function matched to the key event It is characterized by obtaining a command. The key input unit 320 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP terminal 300.

The key input device interworking with the key input unit 320 may include a keypad device including at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key); A keyboard device having a function key, or at least one touch screen device having at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key. It is preferable to comprise.

According to an embodiment of the present invention, the key input unit 320 is required in the virtual CD / ATM based transaction inquiry process through the VoIP from at least one key input device for the virtual CD / ATM based transaction inquiry via the VoIP It is preferable to perform a function of key input means for receiving at least one or more key data.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 320 may change the operation mode of the VoIP terminal 300 through the virtual CD / ATM through the VoIP in the initial mode, the voice call mode, or the data communication mode. It is preferable to have a hot key (Hot Key) for the underlying transaction inquiry.

The screen output unit 315 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 305 while the VoIP terminal 300 performs a predetermined function (for example, an electronic payment processing function). Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display output device including a) through a predefined interface screen, and the screen output unit 315 and the screen output Devices interoperate with each other to perform the function of the screen output means provided in the VoIP terminal 300.

The predefined information or data to be output from the VoIP terminal 300 to the screen output device may be provided by key data input through the key input unit 320 or a component included in the VoIP terminal 300. Information (or data) stored or generated, information (or data) transmitted and received through at least one communication processor 335, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 300. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 315 corresponds to a virtual CD / ATM based transaction inquiry step through the VoIP to the screen output device for the virtual CD / ATM based transaction inquiry through the VoIP. It is preferable to perform the function of the screen output means for outputting the processing screen.

The sound processor 325 is a function component that processes input and output of sound in the voice call mode of the VoIP terminal 300. The sound processor 325 decodes at least one encoded sound data (or voice data) to decode the VoIP terminal. Or a vocoder and a codec for encoding and encoding a sound signal outputted to a speaker provided in the 300 or through a microphone provided in the VoIP terminal 300. It features.

The communication processing unit 335 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the VoIP terminal 300 and the gateway (or gatekeeper), or the virtual CD through the VoIP. It is characterized by connecting the communication channel to the financial company server 385 (or communication relay server 390) on the communication network for / ATM-based transaction inquiry.

The security module 340 is a confidentiality (Authentication) or authentication (Integrity) or non-repudiation (Required in the process of performing the virtual CD / ATM-based transaction inquiry via the VoIP terminal 300) As a safety device for performing security requirements including nonrepudiation) in a secure and reliable structure within the VoIP terminal 300 without using an authentication server (not shown) on a communication network, the VoIP terminal 300 Encrypt or decrypt certain messages (information or data) that are processed in the course of performing certain security request functions (e.g., electronic payment or electronic payment functions), and add an authenticator that prevents forgery (or tampering) of the messages. Or storing important key information in the process of performing the security request function.

In general, the security module 340 is preferably composed of a predetermined security module 340 inserter and a security module 340 chip, the security module 340 chip is a chip with at least 8 bits CPU and memory built-in Including an Application Specific Integrated Circuit (ASIC) chip (e.g., PLCC 44-pin chip) or IC chip (e.g., IC card in the form of subscriber identity module (SIM)) with a performance greater than Million Instructions Per Second (MIPS) It is preferable to make.

In addition, the security module 340 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP terminal 300 to perform a predetermined security request function Or a key (eg, one master key and at least one application key) or protocol (eg, a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a security module 340 issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, security module 340 revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / revocation / Initialization / reprocessing / cancellation command).

According to an exemplary embodiment of the present invention, the security module 340 processes the financial company server 385 (or the communication relay server 390) to recognize the VoIP terminal 300 as a virtual CD / ATM. Preferably, the terminal information includes the terminal information, and the financial institution server 385 (or the communication relay server 390) that has received the virtual financial terminal information is configured until the non-face-to-face financial transaction through the VoIP terminal 300 ends. It is preferable to process the financial transaction by recognizing the VoIP terminal 300 as a virtual CD / ATM.

According to an embodiment of the present invention, the security module 340 recognizes the VoIP terminal 300 as a virtual CD / ATM by the financial institution server 385 (or the communication relay server 390). The VoIP terminal 300 according to the non-face-to-face financial transaction control information for controlling a non-face-to-face financial transaction procedure (eg, a virtual CD / ATM-based financial transaction procedure) through the terminal 300 and the non-face-to-face financial transaction control information. It is desirable to have a non-face-to-face financial transaction authentication function for authenticating each non-face-to-face financial transaction step through.

Herein, the non-face-to-face financial transaction control information outputs the non-face-to-face financial transaction interface including one or more of the card information reading interface, the financial transaction item selection interface, and the inquiry information input interface from the VoIP terminal 300 to the screen output means. It is preferable to include the interface control information for controlling and authenticating, wherein the non-face-to-face financial transaction authentication function is outputting the interface according to the non-face-to-face financial transaction procedure to the screen output means through the interface control information It is desirable to authenticate.

In addition, the non-face-to-face financial transaction control information, the card information authentication information for authenticating the validity of the card information (or account information) read from the card reader unit 310 through the card information reading interface, the key input unit ( Password authentication information for verifying the validity of the PIN information (or card password) input from the 320, financial transaction for authenticating the validity of the financial transaction item selection information input from the key input unit 320 through the financial transaction item selection interface Preferably, at least one transaction item authentication information is included, wherein the non-face-to-face financial transaction authentication function includes card information (or account information) read through the card reader unit 310 through the card information authentication information. Validate the PIN information (or card password), or enter through the key input unit 320 That it is desirable to authenticate the validity of financial transactions item selection information.

In particular, the non-face-to-face financial transaction control information is the query target account information (or input) that is input (or selected) from the key input unit 320 through the inquiry information input interface for the virtual CD / ATM-based transaction inquiry via the VoIP Card information), a password, and transaction information authentication information for authenticating validity of the inquiry period information. The transaction information authentication information may include the inquiry target account information (or card information) that is input (or selected). ), It is desirable to authenticate the validity of the password, inquiry period information.

For example, validity authentication of the card information (or account information) through the card information authentication information, the card information (or account information) that can be non-face-to-face financial transactions through the VoIP terminal 300 ( Or account information) (eg, card information (or account information) associated with a customer account opened at a particular bank).

Alternatively, the validity authentication of the password through the password authentication information may include authenticating whether the PIN information or the card password includes a preset PIN information (or card password) system.

Alternatively, the validity authentication of the financial transaction item selection information through the financial transaction item authentication information may include a non-face-to-face corresponding to the financial transaction item selection information through a customer account corresponding to the read card information (or account information). It is desirable to include verifying that financial transactions are possible.

Alternatively, the validity authentication of the virtual CD / ATM-based transaction inquiry through the VoIP through the transaction information authentication information may include the inquiry target account information (or card information) and password input (or selected) through the inquiry information input interface. For example, it may be preferable to include verifying whether the transaction inquiry is possible through the inquiry period information.

Referring to FIG. 3, the VoIP terminal 300 starts a virtual financial terminal program (eg, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 300). When performing a virtual CD / ATM based transaction inquiry function, the VoIP terminal 300 checks whether a VoIP based communication channel is connected, and when checking the VoIP based communication channel, the VoIP terminal 300 transmits the VoIP based communication channel. And a communication channel switching unit 350 for switching to a communication channel between the financial institution server 385 (or the communication relay server 390).

When a customer using the VoIP terminal 300 requests a virtual CD / ATM based transaction inquiry through VoIP through the key input unit 320, the communication channel switching unit 350 determines that the VoIP terminal 300 is a VoIP device. It is characterized by checking whether the base communication channel is connected.

Upon confirming the VoIP based communication channel, the communication channel switching unit 350 converts the VoIP based communication channel into a communication channel between the VoIP terminal 300 and the financial institution server 385 (or the communication relay server 390). It is characterized in that for connecting the communication channel between the VoIP terminal 300 and the financial institution server 385 (or communication relay server 390) through the communication network.

According to the exemplary embodiment of the present invention, when the VoIP terminal 300 supports a plurality of communication channels, the communication channel switching unit 350 is connected to the VoIP terminal 300 while maintaining the VoIP based communication channel. It is preferable to connect the communication channel between the financial institution server 385 (or communication relay server 390).

Referring to FIG. 3, when the virtual financial terminal program is activated, the VoIP terminal 300 is switched (or connected) by the communication channel switching unit 350 for a virtual CD / ATM based transaction inquiry through the VoIP. The security module 340 corresponding to the VoIP terminal 300 information and the security module 340 provided in the VoIP terminal 300 to the financial institution server 385 (or the communication relay server 390) through the established communication channel. An information transmitter 353 for transmitting information corresponding to the security module 340 information and the VoIP terminal 300 information through the communication channel from the financial institution server 385 (or the communication relay server 390). And an information receiving unit 355 for receiving virtual financial terminal activation information.

When the communication channel is switched (or connected) to the financial institution server 385 (or the communication relay server 390) by the communication channel switching unit 350 for the virtual CD / ATM based transaction inquiry through the VoIP, the information The transmitting unit 353 is connected to the memory unit 330 to transmit the VoIP terminal 300 information (not shown) and the security module 340 corresponding to the security module 340 provided in the VoIP terminal 300. Check the information, and transmits the confirmed VoIP terminal 300 information and security module 340 information to the financial institution server 385 (or communication relay server 390).

According to the method of the present invention, when the financial institution server 385 (or the communication relay server 390) can check the information of the VoIP terminal 300 through the communication channel, the information transmitter 353 Check the security module 340 information corresponding to the security module 340 provided in the VoIP terminal 300 in association with the memory unit 330, the information on the security module 340 to the financial company server 385 (Or communication relay server 390).

Thereafter, the financial company server 385 (or the communication relay server 390) is a card reader and a valid security module 340 to the VoIP terminal 300 through the VoIP terminal 300 information and the security module 340 information. (E.g., the security module 340 having the virtual financial terminal information, the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function) is provided, and then, upon confirming the authentication, the communication The virtual financial terminal activation information is transmitted to the VoIP terminal 300 through a channel, and the information receiving unit 355 is the financial company server 385 (or the communication relay server 390) through the communication channel. Receiving the virtual financial terminal activation information from the terminal.

In this case, the virtual financial terminal activation information, by activating the security module 340 provided in the VoIP terminal 300 so that the VoIP terminal 300 operates as a virtual financial terminal (= virtual CD / ATM). As the information to be activated, the security module 340 activated by the virtual financial terminal activation information is the financial terminal server 385 via the VoIP terminal 300 and the financial company server 385 (or the communication relay server 390). And an encryption / decryption based secure communication channel, and transmits the virtual financial terminal information provided in the security module 340 to the financial institution server 385 through the secure communication channel in the VoIP terminal 300. In addition, it is preferable that the VoIP terminal 300 processes the non-face-to-face financial transaction through the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module 340.

Referring to FIG. 3, when the virtual financial terminal activation information is received, the VoIP terminal 300 may include a security module processor configured to activate a virtual financial terminal function of the security module 340 through the virtual financial terminal activation information. 363, a communication channel connection unit 365 for connecting the financial company server 385 and an end-to-end secure communication channel based on encryption / decryption under the non-face-to-face financial transaction control of the security module 340, and the screen output means. An interface output unit 370 for outputting a virtual financial terminal authentication interface and the virtual financial terminal information from the security module 340 based on authentication information input through the virtual financial terminal authentication interface, and the secure communication channel The terminal authentication processor 367 is transmitted to the financial institution server 385 to process the VoIP terminal 300 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM). It is characterized by the comparison.

When the virtual financial terminal activation information is received from the financial institution server 385 (or the communication relay server 390) by the information receiver 355, the security module processor 363 activates the received virtual financial terminal. By providing the information to the security module 340, the security module 340 is characterized in that the virtual financial terminal activation information is read to process the virtual financial terminal function of the security module 340 is activated.

According to the exemplary embodiment of the present invention, when the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, the operation of the VoIP terminal 300 is performed by the security module 340. It is preferable that each non-face-to-face financial transaction step is controlled and authenticated through non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function.

When the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, the communication channel connection unit 365 is a financial company server 385 according to the non-face-to-face financial transaction control of the security module 340. ) And end-to-end secure communication channel based on encryption / decryption.

According to an exemplary embodiment of the present invention, the communication channel connection unit 365 bypasses one or more communication relay servers 390 according to the non-face-to-face financial transaction control of the security module 340, thereby allowing the VoIP terminal (Bypass). It is preferable to connect an end-to-end secure communication channel based on encryption / decryption between 300 and the financial institution server 385.

According to another exemplary embodiment of the present invention, the communication channel connection unit 365 is connected between the VoIP terminal 300 and the financial company server 385 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module 340. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 300 and the financial institution server 385 described above. The detailed description thereof will be omitted for convenience.

When the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, and the end-to-end secure communication channel between the VoIP terminal 300 and the financial company server 385 is connected, the interface outputs. The unit 370 outputs a virtual financial terminal authentication interface to the screen output means according to the non-face-to-face financial transaction control of the security module 340, and provides authentication information (eg, through the virtual financial terminal authentication interface). When the PIN information for the security module 340) is input, the terminal authentication processor 367 transfers the input authentication information to the security module 340 according to the non-face-to-face financial transaction control of the security module 340. Providing and reading the virtual financial terminal information from the security module 340 as an authentication result of the authentication information, and then processing the virtual financial terminal information. And to the financial institution server 385 through the secure communication channel, whereby the VoIP terminal 300 is recognized as a virtual financial terminal (eg, a virtual CD / ATM) by the financial institution server 385. do.

According to another exemplary embodiment of the present invention, the interface output unit 370 outputs the virtual financial terminal authentication interface, and the terminal authentication processing unit 367 stores the authentication information input through the virtual financial terminal authentication interface. Processing provided to the module 340 to be authenticated may be omitted, and the present invention is not limited thereto.

When the VoIP terminal 300 is recognized as the virtual financial terminal (eg, a virtual CD / ATM), the terminal authentication processor 367 receives virtual financial terminal authentication information from the financial company server 385. Accordingly, the VoIP terminal 300 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to the non-faced financial transaction control procedure according to the financial transaction control of the security module 340. It is characterized by performing a transaction procedure.

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module 340, the VoIP module 300 includes the security module 340. An interface output unit 370 for outputting a card information reading interface, a financial transaction item selection interface, and an inquiry information input interface according to a non-face-to-face financial transaction procedure according to the non-face-to-face financial transaction control of the non-face-to-face financial transaction, and the interface output unit 370 When the card information reading interface is outputted, an information reading unit 375 for reading card information (or account information) from the customer card through the card reader unit 310 and a password through the key input unit 320. Input processing, when the financial transaction item selection interface is output by the interface output unit 370, the financial transaction item selection information is input through the key input unit 320, and When the information input interface is outputted, an information input unit 373 for processing transaction information including one or more of account information (or card information), password, and inquiry period information to be queried through the key input unit 320; A professional generation unit 377 for generating a transaction request message including at least one of card information (or account information), financial transaction item selection information, and transaction information corresponding to the selected financial transaction item; Characterized in that the non-face-to-face financial transaction of the security module 340, characterized in that it comprises a specialized processing unit 380 for transmitting the generated transaction request message to the financial company server 385 to process the non-face-to-face financial transaction. Under control, even if one or more non-face-to-face financial transaction interfaces are output to the screen output unit 315 in association with the interface output unit 370. Control to read card information (or account information) through the card reader 310 based on a non-face-to-face financial transaction interface in connection with the information reading unit 375, and the information input unit 373. In connection with the key input unit 320, the financial transaction item selection information and one or more transaction information corresponding to the selected financial transaction item are controlled to be input, and the read card information in connection with the full text generation unit 377 ( Or account information), financial transaction item selection information, and control to generate a transaction request message including one or more transaction information corresponding to the financial transaction item, and establishes the end-to-end secure communication channel in connection with the expert processing unit 380. It is provided with a virtual financial terminal control unit 360 for controlling the non-face-to-face financial transaction is processed by transmitting the generated transaction request text to the financial company server (385) through Characterized in that W is made.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the interface output unit 370 may be configured to execute the virtual financial terminal control unit 360. Card information reading interface and financial transaction item in connection with the memory unit 330 according to the non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340. And outputting a selection interface and inquiry information input interface, wherein each interface outputting step includes non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication of the security module 340 through the virtual financial terminal controller 360. It is desirable to authenticate based on functionality.

According to the first embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface according to the CD / ATM-based financial transaction procedure, it is preferable to output the financial transaction item selection interface and sequentially output the inquiry information input interface according to the financial transaction item.

According to the second embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the financial transaction item selection interface according to a CD / ATM-based financial transaction procedure, it is preferable to sequentially output the inquiry information input interface and the card information reading interface according to the financial transaction item.

According to the third embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to a CD / ATM-based financial transaction procedure, it is preferable to sequentially output the inquiry information input interface according to the financial transaction item.

According to the fourth embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to a CD / ATM-based financial transaction procedure, it is preferable to sequentially output the inquiry information input interface according to the financial transaction item.

Those skilled in the art to which the present invention pertains, non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 in addition to the interface output method described above. Output the card information reading interface, the financial transaction item selection interface, and the inquiry information input interface sequentially (or by combining two or more interfaces in one screen output means) according to a transaction procedure (for example, CD / ATM-based financial transaction procedure). It will be possible to infer various implementation methods, the present invention is characterized by including all the implementation methods inferred.

The interface output unit 370 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the card information reading interface is outputted, the non-face-to-face financial transaction based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 is output. The card information (or account information) is read from the customer card through the card reader 310 according to a procedure (for example, CD / ATM-based financial transaction procedure).

When card information (or account information) is read from the customer card through the information reading unit 375, the virtual financial terminal control unit 360 controls the non-face-to-face financial transaction control information and the non-face-to-face finance of the security module 340. It is preferable to authenticate the validity of the read card information (or account information) on the basis of a transaction authentication function, wherein the validity authentication of the card information (or account information), the read card information (or account information) ) Includes authenticating card information (or account information) capable of non-face-to-face financial transactions through the VoIP terminal 300 (eg, card information (or account information) associated with a customer account opened in a specific bank). It is preferable to make it.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the password input interface is output through 370, the information input unit 373 is a non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. The PIN information (or card password) is input through the key input unit 320 according to a transaction procedure (eg, CD / ATM-based financial transaction procedure).

When the password is input through the information input unit 373, the virtual financial terminal control unit 360 inputs the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 340. It is preferable to authenticate the validity of the PIN information (or card password), wherein the validity authentication of the PIN information (or card password), the PIN information (or card password) is the preset PIN information (or card password) It is desirable to include verifying that the system is included.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the financial transaction item selection interface is output through 370, the information input unit 373 is a non-face-to-face based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. According to a financial transaction procedure (eg, CD / ATM-based financial transaction procedure), the financial transaction item selection information is input through the key input unit 320.

When the financial transaction item selection information is input through the information input unit 373, the virtual financial terminal controller 360 is based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 340. Preferably, the validity of the input financial transaction item selection information is verified, wherein the validity authentication of the financial transaction item selection information is performed through the customer account corresponding to the read card information (or account information). Preferably, the method includes authenticating whether a non-face-to-face financial transaction corresponding to the transaction item selection information is possible.

If the input financial transaction item selection information includes the transaction inquiry item for the virtual CD / ATM-based transaction inquiry through the VoIP, the interface output unit 370 is provided through the virtual financial terminal control unit 360. Outputting an inquiry information input interface corresponding to the selected financial transaction item according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340. It features.

According to an embodiment of the present invention, the inquiry information input interface may select one of the inquiry target account information (or card information) among one or more card information (or account information) read through the information reading unit 375. At least one account selection interface, a password input interface for inputting a password for the inquiry target account (or card), and the inquiry period setting interface for setting the inquiry period for the inquiry target account (or card) is preferably made. Do.

According to an embodiment of the present invention, the inquiry information input interface preferably further includes an inquiry object selection interface for selecting one of the inquiry objects of the transaction history inquiry or the processing result inquiry for the inquiry object account.

Herein, the transaction history inquiry may include querying the transaction history for a period corresponding to the inquiry period among all the transaction details for the inquiry target account, and the processing result inquiry may be performed on the inquiry target account. It is preferable that the transaction history is made through the virtual financial terminal function of the VoIP terminal 300 during the period corresponding to the inquiry period among all transactions.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the inquiry information input interface is output through the input unit 370, the information input unit 373 receives the inquiry target account information (or card information), password, and inquiry period corresponding to the financial transaction item through the key input unit 320. Characterized in that the input processing the transaction information including one or more information.

When the transaction information is input through the information input unit 373, the virtual financial terminal control unit 360 inputs the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 340. It is preferable to authenticate validity of the transaction information, wherein the validity authentication of the transaction information includes information on which the input (or selected) inquiry target account information (or card information), password, and inquiry period information are valid. It is preferable to include authenticating whether it is doing.

The card information (or account information) is read from the customer card through the information reading unit 375, and the financial transaction item selection information and the transaction information corresponding to the financial transaction item are read through the information input unit 373. When input, the full text generation unit 377 may be a non-face-to-face financial transaction procedure (eg, CD / ATM-based finance) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. Transaction information including one or more of the card information (or account information), financial transaction item selection information, and inquiry target account information (or card information), password, and inquiry period information corresponding to the selected financial transaction item according to a transaction procedure). Characterized by generating a full transaction request containing one or more.

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 385 as a transaction request telegram transmitted from the CD / ATM terminal.

According to an embodiment of the present invention, when one of the inquiry targets of the transaction history inquiry or the processing result inquiry is selected through the inquiry object selection interface, the transaction request full text corresponds to either the transaction history inquiry or the processing result inquiry. It is preferable to further include inquiry item information.

The transaction request telegraph is generated by a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. If not, the professional processor 380 may perform a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. The non-face-to-face financial transaction is transmitted by transmitting the generated transaction request message to the financial institution server 385 through an end-to-end secure communication channel connected by the communication channel connection unit 365 in accordance with the above.

In addition, the professional processing unit 380 is a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360) A full transaction response message (eg, a ledger response message including a ledger processing result corresponding to the transaction request message) from the financial institution server 385 through the end-to-end secure communication channel; Receiving a transaction result text including financial transaction processing results according to the ledger processing result corresponding to the transaction request text), and according to the non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure). Characterized in that the screen display the received transaction response message.

The transaction processing unit 380 includes a transaction response message (eg, a ledger response message including a ledger processing result corresponding to the transaction request text message, or a financial transaction processing result according to the ledger processing result corresponding to the transaction request text message). Full transaction result), the virtual financial terminal control unit 360 is characterized in that it releases the end-to-end secure communication channel between the VoIP terminal 300 and the financial institution server (385).

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the VoIP terminal 300 is connected to the VoIP terminal 300. Deactivates the VoIP call function, controls the VoIP terminal 300 to be recognized as being in communication with the VoIP server 395 on the communication network, and when the non-face-to-face financial transaction ends, restores the VoIP call function. And a VoIP communication control unit 305 for controlling the voice call to the VoIP terminal 300 to be recognized in association with the VoIP server 395 on the communication network.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the VoIP communication controller 305 performs the VoIP call function of the VoIP terminal 300. By deactivating, the VoIP-based voice call through the VoIP terminal 300 is deactivated, and the data communication function through the VoIP terminal 300 except the secure communication channel is deactivated.

In addition, the VoIP communication control unit 305 transmits the VoIP communication deactivation information to the VoIP server 395 (for example, a gateway or a gatekeeper) on the communication network, whereby the VoIP terminal 300 calls the VoIP server 395. Characterized in that the processing to be recognized as being.

The transaction processing message including the financial transaction processing result according to the ledger processing result corresponding to the transaction request message is received by the expert processing unit 380 or the VoIP terminal 300 and the financial company server ( When the end-to-end secure communication channel between 385) is released, the VoIP controller 357 activates the VoIP call function of the VoIP terminal 300, thereby activating the VoIP-based voice call through the VoIP terminal 300, It is characterized in that to activate the data communication function through the VoIP terminal (300).

In addition, the VoIP communication controller 305 transmits the VoIP communication activation information to the VoIP server 395 (eg, a gateway or a gatekeeper) on the communication network, thereby allowing the VoIP server 395 to communicate with the VoIP terminal 300. Characterized in that the voice call is processed as possible.

4 is a diagram illustrating a virtual CD / ATM based financial transaction system through VoIP according to an embodiment of the present invention.

In more detail, FIG. 4 shows that if the VoIP terminal 470 shown in FIG. 3 provides VoIP terminal 470 information and security module information to a financial institution server 435 (or a communication relay server) through a communication network. The server 435 (or a communication relay server) transmits virtual financial terminal activation information corresponding to the VoIP terminal 470 information and the security module information to the VoIP terminal 470 in association with the storage medium 430. The virtual financial terminal function of the VoIP terminal 470 is activated, and the financial institution server 435 receives and authenticates the virtual financial terminal information from the VoIP terminal 470 on which the virtual financial terminal function is activated. After authenticating the virtual financial terminal function, if the authenticated VoIP terminal 470 transmits the transaction request message for the virtual CD / ATM-based transaction inquiry, the financial company server 435 queries the virtual CD / ATM-based transaction. CD / ATM corresponding to As a system configuration for processing based financial transactions, those skilled in the art to which the present invention pertains, the virtual CD / ATM based financial transaction system configuration through the VoIP by referring to and / or modifying the Figure 4 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the VoIP terminal 470 information and the security module information provided from the VoIP terminal 470 are received, and the virtual financial terminal activation information corresponding to the received VoIP terminal 470 information and the security module information. At least one means for transmitting the to the VoIP terminal 470, or a component corresponding to the functional configuration is referred to as "relay server 400" for convenience, and from the VoIP terminal 470 activated the virtual financial terminal function After receiving and authenticating the virtual financial terminal information to authenticate the virtual financial terminal function of the VoIP terminal 470, and transmitting the full transaction request message for the virtual CD / ATM-based transaction inquiry from the authenticated VoIP terminal 470 At least one means for processing a CD / ATM based financial transaction corresponding to the virtual CD / ATM based transaction inquiry, or a component corresponding to a functional configuration is referred to as a "financial company server 435" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the virtual CD / ATM-based financial transaction system via VoIP includes at least one VoIP terminal 470 connected to a communication network and a transmission from the VoIP terminal 470. A storage medium 430 for storing the VoIP terminal 470 information and the security module information, and the VoIP terminal 470 connected to the VoIP terminal 470 through a communication network, and the VoIP terminal 470 information and the security module information transmitted through the communication network. A relay server 400 for receiving virtual VoIP terminal activation information corresponding to the received VoIP terminal 470 information and security module information to the VoIP terminal 470, and a communication network with the VoIP terminal 470. Connected to the VoIP terminal 470 through the relay server 400 or through the relay server 400, and receives and authenticates the virtual financial terminal information from the VoIP terminal 470 on which the virtual financial terminal function is activated. (470) After authenticating the function of the financial terminal on the top, if the authenticated VoIP terminal 470 transmits the transaction request message for the virtual CD / ATM based transaction inquiry, CD / ATM based finance corresponding to the virtual CD / ATM based transaction inquiry And a financial company server 435 for processing a transaction, wherein the financial company server 435 is a financial transaction server for processing a CD / ATM-based financial transaction, or finances a CD / ATM-based financial transaction. It is preferable to include a server associated with the transaction server.

The VoIP terminal 470 is characterized by having a VoIP function configuration shown in Figure 3, a detailed description thereof will be referred to Figure 3.

The storage medium 430 provided on the financial transaction system for virtual CD / ATM based transaction inquiry through the VoIP includes customer information registered during the VoIP subscription, VoIP terminal 470 information, security module information, and the security module information. The virtual financial terminal activation information for the security module corresponding to the characterized in that the connection is stored.

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 470 equipped with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 470. It is preferable to comprise).

The VoIP terminal 470 information is identification information assigned to the VoIP terminal 470 by a VoIP service provider to identify the VoIP terminal 470 that is requested to be subscribed among the plurality of VoIP terminals 470. It is preferable that the VoIP terminal 470 includes a telephone number, and further includes other identification information (eg, an ESN, a serial number, an IP address, etc.) in addition to the VoIP terminal 470 telephone number according to the intention of a person skilled in the art. It is preferable to make.

The security module information is information for identifying a security module provided in the VoIP terminal 470, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information activates a security module provided in the VoIP terminal 470 so that the VoIP terminal 470 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through a random number, the storage of the virtual financial terminal activation information in the storage medium 430 may be omitted. The present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the relay server 400 may include an interface unit 405 for connecting and managing the VoIP terminal 470 and the VoIP-based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 405 connects the VoIP terminal 470 and the VoIP-based voice call channel, and converts the voice call channel into a data communication channel.

According to another exemplary embodiment of the present invention, the interface unit 405 preferably connects the VoIP terminal 470 with a VoIP-based data communication channel.

Referring to FIG. 4, the relay server 400 receives an VoIP receiver 470 information and security module information transmitted from the VoIP terminal 470 in association with the interface unit 405. (Or information receiving means) and an information checking unit 415 (or information checking means) for confirming virtual financial terminal activation information corresponding to the VoIP terminal 470 information and the security module information in association with the storage medium 430. And an information transmitter 420 (or information transmission means) for transmitting the checked virtual financial terminal activation information to the VoIP terminal 470 to process the virtual financial terminal function of the VoIP terminal 470 to be activated. It is characterized by comprising.

The information receiving unit 410 receives the VoIP terminal 470 information and the security module information transmitted from the VoIP terminal 470 in association with the interface unit 405, the interface unit 405 When the information on the VoIP terminal 470 can be confirmed through the information receiving unit 410, the security module information received from the VoIP terminal 470 is received, and the VoIP terminal (405) is connected with the interface unit 405. 470 It is desirable to confirm the information.

When the VoIP terminal 470 information and the security module information are received by the information receiving unit 410, the information checking unit 415 is connected to the storage medium 430 and the VoIP terminal 470 information and security module. And confirming the virtual financial terminal activation information corresponding to the information.

According to another exemplary embodiment of the present invention, the information checking unit 415 may dynamically generate the virtual financial terminal activation information, and thus the present invention is not limited thereto.

Thereafter, the information transmitter 420 transmits the confirmed virtual financial terminal activation information to the VoIP terminal 470 to process the virtual financial terminal function of the VoIP terminal 470 to be activated.

Referring to FIG. 4, the relay server 400 connects the VoIP terminal 470 and the financial institution server 435 when the VoIP terminal 470 connects to the financial institution server 435 with an end-to-end secure communication channel. It is characterized by further comprising a communication relay unit 425 for relay connection.

According to an embodiment of the present invention, when the relay server 400 includes the communication relay unit 425, the relay server 400 may be a communication relay server between the VoIP terminal 470 and the financial company server 435. Is preferably.

Referring to FIG. 4, the financial institution server 435 includes a communication channel operating unit 440 (or communication channel operating unit) for connecting the VoIP terminal 470 with an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 445 (or information receiving means) for receiving virtual financial terminal information from the VoIP terminal 470 through the secure communication channel, and reading the virtual financial terminal information to read the virtual financial terminal information. It characterized in that it comprises a terminal authentication unit 450 (or terminal authentication means) for authenticating the validity.

The communication channel manager 440 connects the end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 470 shown in FIG.

According to an exemplary embodiment of the present invention, the communication channel operation unit 440 bypasses the relay server 400 in accordance with the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 470 and the financial company. It is desirable to connect an encryption / decryption based end-to-end secure communication channel between the servers 435.

According to another exemplary embodiment of the present invention, the communication channel operating unit 440 encrypts between the VoIP terminal 470 and the financial company server 435 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect end-to-end secure communication channels based on / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 470 and the financial institution server 435 described above. The detailed description thereof will be omitted for convenience.

Thereafter, the virtual financial terminal information receiving unit 445 receives virtual financial terminal information from the VoIP terminal 470 through the secure communication channel, and the terminal authentication unit 450 receives the virtual financial terminal information. It is characterized in that the processing to ensure that the VoIP terminal 470 is recognized as a virtual financial terminal by reading and authenticating the validity.

According to the exemplary embodiment of the present invention, the terminal authenticator 450 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 470 as a virtual financial terminal. Preferably, the financial institution server 435 has a database (not shown) that stores separate terminal authentication information for authenticating the virtual financial terminal information according to the CD / ATM authentication method for each financial institution. It is possible.

When the VoIP terminal 470 is authenticated (or recognized) with the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication unit 450 sends the virtual financial terminal authentication information to the VoIP terminal 470. In response, the VoIP terminal 470 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. It is characterized by performing a financial transaction procedure.

Referring to Figure 4, the financial institution server 435, the transaction request full text including one or more account information (or card information), password, inquiry period information from the VoIP terminal 470 through the secure communication channel A specialized query receiving unit 455 (or specialized receiving means) for receiving the transaction, and a transaction inquiry processing unit 460 (or a transaction query processing means) for processing a transaction inquiry corresponding to the received transaction request message in association with a financial system; A professional transmission unit for generating a transaction response message including the transaction inquiry result (eg, a message including transaction history information corresponding to the ledger inquiry result corresponding to the transaction request message) and transmitting the message to the VoIP terminal 470. 465 (or specialized transmission means) is provided.

When the VoIP terminal 470 is recognized as a virtual financial terminal, the specialized receiver 455 selects customer card information and financial transaction items according to the non-face-to-face financial transaction control of the security module provided in the VoIP terminal 470. And receiving a transaction request message including one or more transaction information corresponding to the financial transaction item.

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 435 as the transaction request telegram transmitted from the CD / ATM terminal.

According to the method of the present invention, if any one of the transaction details inquiry or processing result inquiry is selected through the inquiry object selection interface in the VoIP terminal 470, the transaction request message is the transaction history inquiry or processing result. It is preferable to further include the inquiry item information corresponding to any one of the inquiry.

When the transaction request message is received through the specialized receiver 455, the transaction inquiry processing unit 460 may perform the requested ledger process (eg, ledger information inquiry) in association with the financial system.

According to an exemplary embodiment of the present invention, when the transaction request text includes inquiry target account information (or card information), password, and inquiry period information for transaction history inquiry, the transaction inquiry processing unit 460 may be connected to the financial system. After verifying the validity of the inquiry target account information (or account information associated with the card information) and the password from the ledger corresponding to the inquiry target account information (or account information associated with the card information) In response to the result, it is preferable to confirm (or extract) transaction history information for the period corresponding to the inquiry period information from the ledger.

According to another exemplary embodiment of the present invention, when the transaction request message includes inquiry target account information (or card information), password, and inquiry period information for processing result inquiry, the transaction inquiry processing unit 460 is the financial system. The validity of the inquiry target account information (or account information associated with the card information) and the password from the ledger corresponding to the inquiry target account information (or the account information associated with the card information) and the validity Confirm (or extract) one or more transaction details processed through the virtual CD / ATM function included in the VoIP terminal 470 of transactions during the period corresponding to the inquiry period information from the ledger corresponding to the authentication result. It is desirable to.

In the technical field to which the present invention belongs, the transaction inquiry processing unit 460 will be familiar with the technical characteristics of processing the ledger corresponding to the transaction request text in connection with the financial system, and thus the detailed description thereof will be omitted for convenience. do.

When the transaction history information is confirmed (or extracted) through the ledger processing by the transaction inquiry processing unit 460, the specialized transmission unit 465 includes a transaction response message including transaction history information corresponding to the result of the ledger processing. For example, a full text including transaction history information corresponding to a ledger inquiry result corresponding to the full transaction request message is generated and transmitted to the VoIP terminal 470.

After the transaction response message is transmitted to the VoIP terminal 470, the communication channel manager 440 preferably releases an end-to-end secure communication channel with the VoIP terminal 470.

5 is a diagram illustrating a process of connecting a secure communication channel between the VoIP terminal 470 and the financial institution server 435 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 470) in the VoIP terminal 470 illustrated in FIG. Start and receive the virtual financial terminal activation information from the relay server 400 by transmitting the VoIP terminal 470 information and security module information to the relay server 400 shown in Figure 4, the received virtual financial After activating the virtual financial terminal function provided in the VoIP terminal 470 through the terminal activation information, based on the virtual financial terminal function connected to the financial institution server 435 shown in Figure 4 through the end-to-end secure communication channel As a person having ordinary skill in the art to which the present invention pertains, a secure communication channel is opened between the VoIP terminal 470 and the financial institution server 435 by referring to and / or modifying the present invention. Would be able to infer a variety of exemplary methods for the process of the present invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

Referring to FIG. 5, the VoIP terminal 470 shown in FIG. 3 starts a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 470). By connecting (or switching) the communication channel with the relay server 400 shown in FIG. 4 (500), and if the communication channel is connected (or switched) with the relay server 400 (505), the communication channel Check the VoIP terminal 470 information and the security module information corresponding to the security module provided in the VoIP terminal 470 in association with the memory unit through the relay server 400, and the confirmed VoIP terminal In operation 510, information and security module information are transmitted to the relay server 400.

Subsequently, the relay server 400 includes a card reader and a valid security module (eg, the virtual financial terminal information) in the VoIP terminal 470 in association with the storage medium 430, and the non-face-to-face financial transaction control information. Security module having a non-face-to-face financial transaction authentication function), and when the VoIP terminal 470 is provided with a card reader and a valid security module, the VoIP terminal 470 from the storage medium 430. The virtual financial terminal activation information associated with the information and the security module information is checked (or dynamically generated) (515).

Here, the virtual financial terminal activation information, by activating the security module provided in the VoIP terminal 470 to activate the VoIP terminal 470 to operate as a virtual financial transaction terminal (= virtual CD / ATM). As information, the security module activated by the virtual financial terminal activation information is encrypted / decryption-based secure communication with the VoIP terminal 470 and the financial institution server 435 (or the financial institution server 435 via a communication relay server). Channel connection, and transmits the virtual financial terminal information provided in the security module from the VoIP terminal 470 to the financial institution server 435 through the secure communication channel, and the security from the VoIP terminal 470. Preferably, the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function included in the module may be used to process the non-face-to-face financial transaction.

If the virtual financial terminal activation information is confirmed (520), the relay server 400 transmits the virtual financial terminal activation information to the VoIP terminal 470 through the communication channel (525), corresponding to the VoIP The terminal 470 receives the virtual financial terminal activation information through the communication channel and provides it to the security module, so that the virtual financial terminal function of the security module is activated by reading the virtual financial terminal activation information from the security module. Process 530.

If the virtual financial terminal function of the security module is activated (535), the VoIP terminal 470 is encrypted / decryption based end-to-end secure communication with the financial company server 435 in accordance with the non-face-to-face financial transaction control of the security module Connect the channel (540).

According to an exemplary embodiment of the present invention, the VoIP terminal 470 bypasses one or more communication relay servers according to the non-face-to-face financial transaction control of the security module, thereby allowing the VoIP terminal 470 and the financial company server 435. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption.

According to another exemplary embodiment of the present invention, the VoIP terminal 470 is encrypted / decrypted between the VoIP terminal 470 and the financial company server 435 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect the base end-to-end secure communication channel.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 470 and the financial institution server 435 described above. The detailed description thereof will be omitted for convenience.

6 illustrates a process of processing the VoIP terminal 470 to be recognized as a virtual financial terminal according to an embodiment of the present invention.

In more detail, FIG. 6 is connected to the financial company server 435 shown in FIG. 4 and the secure communication channel through the secure communication channel connection process of FIG. 5 in the VoIP terminal 470 shown in FIG. As a process for transmitting the virtual financial terminal information to the financial institution server 435 to process the VoIP terminal 470 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM) in the financial institution server 435, Those skilled in the art to which the present invention pertains can deduce various implementation methods for the process of processing the VoIP terminal 470 to be recognized as a virtual financial terminal by referring to and / or modifying the present invention. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 6, after the secure communication channel is connected to the financial institution server 435 shown in FIG. 4 through the secure communication channel connection process of FIG. 5, the VoIP terminal 470 of FIG. The terminal 470 outputs a virtual financial terminal authentication interface to the screen output means according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module, and authenticates information (eg, through the virtual financial terminal authentication interface). PIN information about the security module) is input (600), and if authentication information is input through the virtual financial terminal authentication interface (605), the VoIP terminal 470 is a virtual financial terminal function of the security module Authentication to the authentication information by processing to provide and read the input authentication information to the security module according to a non-face-to-face financial transaction control corresponding to Check the virtual financial information from the terminal and the security module as will be (or extraction) 610.

According to another exemplary embodiment of the present invention, the VoIP terminal 470 outputs the virtual financial terminal authentication interface, and provides authentication information input through the virtual financial terminal authentication interface to the security module to be authenticated. In this case, it is preferable to check (or extract) the virtual financial terminal information from the security module according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module.

If the virtual financial terminal information is confirmed (or extracted) from the security module (615), the VoIP terminal 470 is the secure communication channel according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module The virtual financial terminal information is transmitted to the financial institution server 435 through 620.

Thereafter, the financial institution server 435 receives the virtual financial terminal information, and reads and authenticates the received virtual financial terminal information to confirm the validity of the virtual financial terminal of the VoIP terminal 470 (625).

If the validity of the virtual financial terminal of the VoIP terminal 470 is not authenticated (630), the financial institution server 435 transmits the virtual financial terminal error information to the VoIP terminal 470 through the secure communication channel (635). In step 640, the end-to-end secure communication channel between the VoIP terminal 470 and the financial institution server 435 is released.

On the contrary, if the validity of the virtual financial terminal of the VoIP terminal 470 is authenticated (630), the financial institution server 435 transmits the virtual financial terminal authentication information to the VoIP terminal 470 through the secure communication channel (645). In response, the VoIP terminal 470 performs a financial transaction procedure corresponding to a virtual financial terminal (eg, a virtual CD / ATM) according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. do.

7 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal 470 according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates the VoIP terminal 470 of the financial terminal server 435 shown in FIG. 4 through the virtual financial terminal recognition process of FIG. 6 from the VoIP terminal 470 of FIG. When a virtual financial terminal is recognized as a virtual financial terminal, the process of deactivating the VoIP communication function (eg, VoIP-based voice call function, or VoIP-based data communication function) of the VoIP terminal 470, the present invention belongs to If one of ordinary skill in the art with reference to Figure 7 and / or modified to be able to infer various implementation methods for the process of deactivating the VoIP communication function of the VoIP terminal 470, the present invention is It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the VoIP terminal 470 shown in FIG. 3 is connected to the financial institution server 435 and the secure communication channel through the secure communication channel connection process shown in FIG. Through the virtual financial terminal recognition process, the VoIP terminal 470 is recognized as a virtual financial terminal by the financial company server 435 shown in FIG. 4, and the virtual financial terminal function of the VoIP terminal 470 by the security module. Check whether it is activated (for example, whether the virtual financial terminal authentication information is received from the financial institution server 435) (700).

If it is confirmed that the virtual financial terminal function of the VoIP terminal 470 is activated (705), the VoIP terminal 470 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP) of the VoIP terminal 470. Based data communication function) to be deactivated (710).

According to the exemplary embodiment of the present invention, deactivating the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 470 may be performed in addition to the communication function through the secure communication channel. It is desirable to include blocking all communication (eg, sending and receiving packets for voice call, or sending and receiving packets for data communication) through the VoIP terminal 470.

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 470 is deactivated (715), the VoIP terminal 470 may be a VoIP server (eg, a gateway, Or gatekeeper) and transmits the VoIP communication deactivation information (720), and correspondingly, the VoIP server recognizes that the VoIP terminal 470 is in a call through the VoIP communication deactivation information (725).

Hereinafter, the VoIP terminal 470 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the process illustrated in FIG. 8 to FIG. 11 to process a virtual CD / ATM based transaction inquiry through the VoIP. It will be described with reference to a preferred embodiment to the.

However, the process of providing the non-face-to-face financial transaction by treating the VoIP terminal 470 with a virtual financial terminal (for example, a virtual CD / ATM) is not limited to the implementation method illustrated in FIGS. 8 to 11 below. The process of providing the non-face-to-face financial transaction by treating the VoIP terminal 470 as a virtual financial terminal may be based on a non-face-to-face financial transaction procedure (e.g., interface output order and specialized processing method) included in the security module. Various modifications can be provided according to the present invention, and the present invention is characterized by including all the inferred non-face-to-face financial transaction procedures.

For example, in the following method of FIG. 8 to FIG. 11, after the card information reading interface is output, the financial transaction item selection interface is output, and the inquiry information input interface according to the financial transaction item is sequentially output. The method is shown.

However, those skilled in the art to which the present invention pertains may refer to and / or modify the implementation method illustrated in FIG. 8 to FIG. 11 below to convert the VoIP terminal 470 into a virtual financial terminal (eg, It will be possible to infer various implementation methods for providing non-face-to-face financial transactions by treating them with virtual CD / ATM, and the present invention is characterized by including all the inferred non-face-to-face financial transactions procedures.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may output the financial transaction item selection interface by referring to and / or modifying the implementation method illustrated in FIGS. A method of sequentially outputting the inquiry information input interface and the card information reading interface according to an item, or the query information input interface according to the financial transaction item after outputting the card information reading interface and the financial transaction item selection interface. The method of outputting sequentially or the method of outputting the inquiry information input interface according to the financial transaction item after outputting the card information reading interface and the financial transaction item selection interface may be inferred. In addition to the above-described implementation methods, For, or there will be two or more interfaces can be deduced the exemplary method, and so on) that outputs the integrated output to a single display means, the present invention is characterized in that all non-face-to-face as possible the inference comprises a financial transaction process.

8 is a diagram illustrating a first process of processing a transaction inquiry by processing a VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 8, the VoIP terminal 470 illustrated in FIG. 3 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process illustrated in FIG. After the VoIP communication function of the VoIP terminal 470 is deactivated through the VoIP communication function deactivation process illustrated in FIG. 7, the financial transaction item selection interface according to the non-face-to-face financial transaction control of the security module in the VoIP terminal 470. And a process of outputting an inquiry target selection interface, which is a person having ordinary knowledge in the technical field to which the present invention pertains, refer to and / or modify this figure 8 to convert the VoIP terminal 470 into a virtual financial terminal. It will be possible to infer various implementation methods for the first process of processing a transaction query by processing as, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown on page 8.

Referring to FIG. 8, the VoIP terminal 470 shown in FIG. 3 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process shown in FIG. After the VoIP communication function of the VoIP terminal 470 is deactivated through the VoIP communication function deactivation process illustrated in FIG. 7, the VoIP terminal 470 is configured to control the non-face-to-face financial transaction corresponding to the virtual financial terminal function of the security module. Accordingly, as shown in FIG. 13, the financial transaction item selection interface including the transaction inquiry menu is output, and the transaction inquiry menu is selected through the financial transaction item selection interface (800).

If one financial transaction item is selected through the financial transaction item selection interface (805), the VoIP terminal 470 reads the selected financial transaction item and checks whether a transaction inquiry menu is selected (810).

If the transaction inquiry menu is not selected through the financial transaction item selection interface (815), the VoIP terminal 470 is a non-face-to-face based virtual financial terminal corresponding to the financial transaction item selected through the financial transaction item selection interface. Process the financial transaction (820).

On the other hand, if the transaction inquiry menu is selected through the financial transaction item selection interface (815), the VoIP terminal 470 is in accordance with the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module 14a or 15a Output an inquiry target selection interface for selecting one of the inquiry targets of the transaction history inquiry or the processing result inquiry as shown in the example shown in the figure, and query any one of the transaction history inquiry or the processing result inquiry through the inquiry target selection interface. Verify that the object is selected (825).

If the transaction history inquiry is selected as an inquiry object through the inquiry object selection interface (830), the VoIP terminal 470 outputs one or more interfaces for inputting transaction information for the transaction history inquiry, and outputs the information. The process of inputting transaction information for the transaction history inquiry is performed through the interface.

On the other hand, if the processing result inquiry is selected as an inquiry target through the inquiry target selection interface (830), the VoIP terminal 470 outputs one or more interfaces for inputting transaction information for the processing result inquiry, and A process of inputting transaction information for the processing result inquiry is performed through the output interface.

According to another exemplary embodiment of the present invention, the inquiry target selection interface may be omitted, and in this case, the VoIP terminal 470 outputs one or more interfaces for inputting transaction information for the basic inquiry target, and the output interface The process of inputting transaction information for transaction inquiry is performed.

9 is a diagram illustrating a second process of processing a transaction inquiry by processing the VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 9, when the transaction inquiry menu is selected in the VoIP terminal 470 through the process illustrated in FIG. 8, the card information is controlled according to the non-face-to-face financial transaction control of the security module in the VoIP terminal 470. The present invention relates to a process of reading card information (or account information) by outputting a reading interface, and a person having ordinary knowledge in the art to which the present invention pertains refers to the VoIP terminal 470 by referring to and / or modifying the present invention. ) Can be inferred from various implementation methods for the second process of processing a transaction inquiry by processing a virtual financial terminal, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only by the method of implementation.

Referring to FIG. 9, when the transaction inquiry menu is selected in the VoIP terminal 470 through the process illustrated in FIG. 8, the VoIP terminal 470 may be a non-face-to-face finance corresponding to the virtual financial terminal function of the security module. According to the transaction control, the card information reading interface is output as shown in FIG. 14B or 15B (900).

If the PIN information interface is included in (or associated with) the card information reading interface as shown in the example of FIG. 14C or 15C (905), the VoIP terminal 470 uses the PIN information (or Card password) is input (910), and if PIN information (or card password) is input through the PIN input interface (915), the VoIP terminal 470 corresponds to the virtual financial terminal function of the security module. In accordance with the non-face-to-face financial transaction control to determine the validity of the PIN information (or card password) (920).

If the validity of the PIN information (or card password) is not confirmed (925), the VoIP terminal 470 outputs PIN information (or card password) input error information (930), and the PIN information (or card). Repeat the process to enter the password.

On the other hand, if the validity of the PIN information (or card password) is confirmed (925), the VoIP terminal 470 checks the validity of the PIN information (or card password) (920).

If the validity of the PIN information (or card password) is not confirmed (925), the VoIP terminal 470 outputs the PIN information (or card password) input error information (930), and repeats the above process. .

If the validity of the PIN information (or card password) is confirmed (925), or if the PIN information interface is not included in the card information reading interface (905), the VoIP terminal 470 is virtual of the security module. The card information (or account information) is read through the card reader according to the non-face-to-face financial transaction control corresponding to the financial terminal function (935).

If card information (or account information) is read through the card reader (940), the VoIP terminal 470 reads the read card information according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. (Or account information) to check the validity (945).

If the validity of the read card information (or account information) is not confirmed (950), the VoIP terminal 470 outputs the card information (or account information) reading error information (955), and repeats the above process. do.

On the other hand, if the validity of the read card information (or account information) is confirmed (950), the VoIP terminal 470 performs a process of inputting the transaction information for the virtual CD / ATM-based transaction inquiry via the VoIP .

FIG. 10 is a diagram illustrating a third process of processing a transaction inquiry by processing a VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 10, when the card information (or account information) is read in the VoIP terminal 470 through the process illustrated in FIG. 9, at least one of an account selection interface, a password input interface, and an inquiry period setting interface may be used. The process of requesting a transaction inquiry to a financial institution server 435 by outputting an inquiry information input interface including the same, and a person having ordinary knowledge in the technical field to which the present invention belongs, will be referred to and / or modified with reference to FIG. Various implementation methods for the third process of processing the transaction inquiry by treating the VoIP terminal 470 as a virtual financial terminal may be inferred, but the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10, when card information (or account information) is read from the VoIP terminal 470 through the process illustrated in FIG. 9, the VoIP terminal 470 corresponds to a virtual financial terminal function of the security module. According to the non-face-to-face financial transaction control, as shown in the example shown in FIG. 14D or FIG. 15D, a target of inquiry among card information (or account information) read (or received from the financial company server 435 based on the read card information) An account selection interface for selecting an account (or card) is output, and it is checked through the account selection interface which one of the inquiry target account (or card) is selected (1000).

If one inquiry target account (or card) is selected through the account selection interface (1005), the VoIP terminal 470 is controlled according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. As shown in the example illustrated in FIG. 10, a password input interface for inputting a password for the inquiry target account (or card) is output, and it is checked whether a password is input through the password input interface (1010).

According to an embodiment of the present invention, when the inquiry target is a result of processing, the password input interface may be omitted, and the present invention is not limited thereto.

If the password is input through the password input interface (1015), the VoIP terminal 470 is the example shown in Figure 14f or 15e according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module As described above, an inquiry period setting interface for setting an inquiry period for the inquiry target account (or card) is output, and it is checked whether an inquiry period is set through the inquiry period setting interface (1020).

If the inquiry period is set through the inquiry period setting interface (1025), the VoIP terminal 470 is the inquiry target account information (or card) according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. Information), a password, a full text of the transaction request including one or more of the inquiry period information is generated (1030).

If any one of the transaction history inquiry or processing result inquiry is selected through the process shown in FIG. 8, the VoIP terminal 470 further adds inquiry item information corresponding to either the transaction history inquiry or processing result inquiry. It is preferable to generate the full transaction request including.

Thereafter, the VoIP terminal 470 transmits the generated transaction request information to the financial institution server 435 through the secure communication channel according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module (S). 1035).

11 is a diagram illustrating a fourth process of processing a transaction inquiry by processing the VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 11, when the transaction request message is transmitted from the VoIP terminal 470 through a secure communication channel through the process illustrated in FIG. 10, the financial institution server 435 may be based on the transaction request message. Regarding the VoIP terminal 470 as a virtual financial terminal, a process of processing a transaction inquiry corresponding to the entire transaction request, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the VoIP terminal 470 as a virtual financial terminal, various implementation methods for the fourth process of processing a transaction inquiry may be inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 11, when the transaction request message is transmitted from the VoIP terminal 470 through a secure communication channel through the process illustrated in FIG. 10, the financial institution server 435 may search for an account to be viewed through the secure communication channel. Receive a full transaction request message (1100) including one or more information (or card information), password, inquiry period information, and further includes inquiry item information corresponding to any one of transaction history inquiry or processing result inquiry (1100). In connection with the check the validity of the inquiry target account information (or card information) and password included in the full transaction request (1105).

If the validity of the inquiry target account information (or card information) and the password is confirmed (1110), the financial institution server 435 is associated with the financial system and the transaction corresponding to the inquiry target account information (or card information). The transaction history information corresponding to the inquiry period information included in the transaction request text of the transaction is checked (or extracted) (1115).

According to an embodiment of the present invention, when the transaction request message includes inquiry target account information (or card information), password, and inquiry period information for transaction history inquiry, the financial institution server 435 is connected with the financial system. By checking the validity of the inquiry target account information (or account information associated with the card information) and the password from the ledger corresponding to the inquiry target account information (or account information associated with the card information), and the validity verification result Correspondingly, it is preferable to confirm (or extract) transaction history information for a period corresponding to the inquiry period information from the ledger.

According to another exemplary embodiment of the present invention, when the transaction request message includes inquiry target account information (or card information), password, and inquiry period information for querying the processing result, the transaction inquiry financial company server 435 may use the financial information. After verifying the validity of the inquiry target account information (or account information associated with the card information) and the password from the ledger corresponding to the inquiry target account information (or account information associated with the card information) in conjunction with the system, Confirm (or extract) one or more transaction details processed through the virtual CD / ATM function provided in the VoIP terminal 470 of transactions during the period corresponding to the inquiry period information from the ledger corresponding to the validity authentication result. Is preferred.

If the transaction history information is confirmed (or extracted) (1120), the financial institution server 435 generates a transaction response message including the confirmed (or extracted) transaction history information (1125).

If the transaction response message is generated (1130), the financial institution server 435 transmits the generated transaction response message to the VoIP terminal 470 through the secure communication channel (1135), and correspondingly the VoIP The terminal 470 receives the full transaction response message and outputs transaction details information included in the received transaction response message as shown in FIG. 14G or 15F (1140).

12 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal 470 according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates the virtual financial terminal function of the VoIP terminal 470 through the process illustrated in FIG. 11 after the VoIP communication function of the VoIP terminal 470 is deactivated through the process illustrated in FIG. When the transaction inquiry is completed or the secure communication channel between the VoIP terminal 470 and the financial institution server 435 is released, and when the transaction inquiry completion (or secure communication channel release) is confirmed, the VoIP terminal 470 The process of activating the VoIP communication function (e.g., VoIP-based voice call function, or VoIP-based data communication function) of the present invention. Alternatively, the present disclosure may infer various implementation methods for the process of activating the VoIP communication function of the VoIP terminal 470, but the present invention includes all the implementation methods inferred. W is made, the technical features are not limited only with the exemplary method shown in the figure 12.

Referring to FIG. 12, the VoIP terminal 470 deactivates the VoIP communication function of the VoIP terminal 470 through the process illustrated in FIG. 7, and then the VoIP terminal 470 through the process illustrated in FIG. 11. The transaction inquiry through the virtual financial terminal function is completed or the secure communication channel between the VoIP terminal 470 and the financial institution server 435 is checked (1200).

If it is confirmed that the transaction inquiry completion (or secure communication channel release) is confirmed (1205), the VoIP terminal 470 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP) of the VoIP terminal 470. Based data communication function) to be activated (1210).

According to the exemplary embodiment of the present invention, the activation processing of the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 470 may be performed through all of the VoIP terminal 470. It is preferable to include processing to enable communication (eg, sending and receiving packets for voice calls, or sending and receiving packets for data communication).

If a VoIP communication function (eg, a VoIP based voice call function or a VoIP based data communication function) of the VoIP terminal 470 is activated (1215), the VoIP terminal 470 may be a VoIP server (eg, a gateway, Or transmits the VoIP communication activation information to the gatekeeper (1220), and in response, the VoIP server recognizes that the VoIP terminal 470 can make a voice call (or send and receive a message) through the VoIP communication activation information. 1225, the original VoIP communication function provided in the VoIP terminal 470 is restored.

FIG. 13 is a diagram illustrating a financial transaction item selection interface for virtual CD / ATM based transaction inquiry through VoIP according to an embodiment of the present invention.

In more detail, FIG. 13 includes a key input means, a screen output means, and a card reader, and includes a virtual financial terminal (eg, a CD (Cash Dispenser) and at least one Automatic Teller Machine (ATM)) through the card reader. In the VoIP terminal 470 having a security module for controlling non-face-to-face financial transactions using a function, an example of a financial transaction item selection interface including a transaction inquiry menu for a virtual CD / ATM based transaction inquiry through the VoIP is illustrated. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for a financial transaction item selection interface for virtual CD / ATM-based transaction inquiry through VoIP by referring to and / or modifying the drawing 13 It can be inferred, but the present invention includes all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

14A, 14B, 14C, 14D, 14E, 14F, and 14G illustrate a card information reading interface and inquiry information input interface for virtual CD / ATM based transaction history inquiry through VoIP according to an embodiment of the present invention. Figure is an illustration.

In more detail, FIGS. 14A, 14B, 14C, 14D, 14E, 14F, and 14G include a key input means, a screen output means, and a card reader, and a virtual financial terminal (for example, a card reader). In the VoIP terminal 470 having a security module for controlling non-face-to-face financial transactions using a CD (Cash Dispenser) and ATM (Automatic Teller Machine), the financial transaction item shown in FIG. When the transaction inquiry menu is selected through the selection interface, it is possible to display an inquiry target selection interface, a card information reading interface, an account selection interface, a password input interface, an inquiry period setting interface, and a transaction history information output screen for selecting a transaction history inquiry. By way of example, one of ordinary skill in the art to which the present invention pertains may refer to FIGS. 14A, 14B, 14C, and 14D. By referring to and / or modifying the drawings 14e, 14f and 14g, various implementation methods for the card information reading interface and the inquiry information input interface for virtual CD / ATM based transaction inquiry through VoIP may be inferred. Is made including all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 14A, 14B, 14C, 14D, 14E, 14F, and 14G.

15A, 15B, 15C, 15D, 15E, and 15F illustrate a card information reading interface and inquiry information input interface for viewing a virtual CD / ATM based processing result through VoIP according to an embodiment of the present invention. Drawing.

In more detail, FIGS. 15A, 15B, 15C, 15D, 15E, and 15F include a key input means, a screen output means, and a card reader, and a virtual financial terminal (for example, CD) through the card reader. In the VoIP terminal 470 having a security module for controlling non-face-to-face financial transactions using a Cash Dispenser) or an ATM (Automatic Teller Machine) function), the financial transaction item selection interface shown in FIG. When the transaction inquiry menu is selected through the example, outputting an inquiry target selection interface, a card information reading interface, an account selection interface, an inquiry period setting interface, and a transaction history information output screen for selecting a processing result inquiry is provided. Those skilled in the art may refer to, and / or modify, VoIP by referring to FIGS. 15A, 15B, 15C, 15D, and 15E. Various implementation methods for the card information reading interface and the inquiry information input interface for the virtual CD / ATM-based transaction inquiry through the present invention can be inferred, but the present invention includes all the implementation methods inferred above. 15A, 15B, 15C, 15D, 15E, and 15F, the technical features are not limited only to the implementation method shown in FIG.

According to the present invention, after having a card reader and a CD / ATM-based security module in the VoIP terminal, using the possession of the customer card through the card reader as a customer authentication means, subscriber authentication through a communication company provided in the VoIP terminal By activating the CD / ATM-based security module provided in the VoIP terminal based on the characteristics to process it to be recognized as a virtual CD / ATM device, there is an advantage that provides a convenient and secure transaction inquiry service without a separate authorized certificate.

Claims (9)

A non-face-to-face financial transaction using a key input means, a screen output means, a card reader, and a virtual financial terminal through the card reader, including one or more CD (Cash Dispenser) and ATM (Automatic Teller Machine). In the transaction inquiry method through a VoIP terminal having a security module to According to the control of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal performs a virtual financial transaction. Processing to be recognized as a terminal; If the VoIP terminal is recognized as a virtual financial transaction terminal, outputting a financial transaction item selection interface including a transaction inquiry menu through the screen output means; Outputting an inquiry object selection interface for selecting any one of a transaction history inquiry and a processing result inquiry when the transaction inquiry menu is selected; Outputting a card information reading interface for card insertion and PIN input according to a virtual financial terminal function control of the security module corresponding to the selected inquiry target; Outputting an inquiry information input interface for selecting an inquiry target account, inputting a password, and setting an inquiry period according to the control of the virtual financial terminal function of the security module when reading card information (or account information) from the card; Transmitting the card information (or account information), password, and inquiry period information to a financial institution server through the secure communication channel according to the control of the virtual financial terminal function of the security module; And receiving the inquiry result information during the inquiry period for the inquiry object of the card information (or account information) from the financial company server and outputting the information through the screen output means. Transaction inquiry method through equipped VoIP terminal. The method of claim 1, Transmitting security module information and VoIP terminal information to a server on a communication network; Receiving virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network to activate a virtual financial terminal function; And connecting an end-to-end secure communication channel based on encryption / decryption with the financial institution server according to the control of the virtual financial terminal function of the security module. The server of claim 2, wherein the server on the communication network comprises: Or a VoIP communication company server connected to the VoIP terminal, or Or a relay server for relaying the VoIP terminal and the financial company server, or And a financial company server for processing non-face-to-face financial transactions for the VoIP terminal. The method of claim 1, wherein the security module, A virtual financial terminal information for recognizing the VoIP terminal as a virtual financial terminal according to a financial terminal operation procedure and policy for each financial institution set in each financial institution in the financial institution server to which the VoIP terminal and the end-to-end secure communication channel are connected; Non-face-to-face financial transaction control information that controls the VoIP terminal to process non-face-to-face financial transactions according to the financial terminal operation procedures and policies for each financial institution, and each non-face-to-face through the VoIP terminal according to the non-face-to-face financial transaction control information. A non-face-to-face financial transaction authentication function for authenticating a financial transaction step and one or more key values and protocols for the non-face-to-face financial transaction authentication. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. A non-face-to-face financial transaction using a key input means, a screen output means, a card reader, and a virtual financial terminal through the card reader, including one or more CD (Cash Dispenser) and ATM (Automatic Teller Machine). In the VoIP terminal having a security module to According to the control of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal performs a virtual financial transaction. Terminal authentication processing unit for processing to be recognized as a terminal; An interface output unit for outputting an interface for transaction inquiry through the screen output means according to the control of the virtual financial terminal function of the security module when the VoIP terminal is recognized as a virtual financial transaction terminal; The financial company server through the secure communication channel based on the card information (or account information) read from the card reader and the password and inquiry period information input through the key input means based on the virtual financial terminal function control of the security module based on the interface. A specialized processing unit which transmits the received result information during the inquiry period for the card information (or account information) from the financial company server and outputs the received result information through the screen output means; And And a virtual financial terminal control unit for controlling the virtual financial terminal function in association with the security module. A VoIP terminal having a card reader and having a security module for controlling non-face-to-face financial transactions using a virtual financial terminal through the card reader, including at least one CD (Cash Dispenser) or ATM (Automatic Teller Machine). Authenticating with a virtual financial terminal; Receiving, from the VoIP terminal, a full transaction request message including one or more of inquiry target account information (or card information), password, and inquiry period information; Processing a transaction inquiry based on a transaction procedure of a financial terminal through the transaction request text; And And generating a transaction response message including the transaction inquiry processing result and transmitting the transaction response message to the VoIP terminal. A computer-readable recording medium recording a program for executing the method of claim 7. A VoIP terminal having a card reader and having a security module for controlling non-face-to-face financial transactions using a virtual financial terminal through the card reader, including at least one CD (Cash Dispenser) or ATM (Automatic Teller Machine). Terminal authentication means for authenticating the terminal with a virtual financial terminal; Specialized receiving means for receiving a transaction request message including at least one inquiry target account information (or card information), a password, and inquiry period information from the VoIP terminal; Transaction inquiry processing means for processing a transaction inquiry according to a transaction procedure of a financial terminal through the transaction request text; And And a specialized transmission means for generating a transaction response message including the transaction inquiry processing result and transmitting the transaction response message to the VoIP terminal.

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