KR20100053931A

KR20100053931A - System and method for providing rfid bankbook and program recording medium

Info

Publication number: KR20100053931A
Application number: KR1020080112819A
Authority: KR
Inventors: 김기정
Original assignee: 주식회사 신한은행
Priority date: 2008-11-13
Filing date: 2008-11-13
Publication date: 2010-05-24

Abstract

PURPOSE: An RFID passbook service method and a system thereof and a recording medium therefore for supplying a financial service by using CD/ATM infrastructure are provided to authenticate the RFID passbook/card by a terminal or a financial company server. CONSTITUTION: An antenna unit(440) interlinks a wireless interface to a reader. A receiver(430) receives reader authentication information for the second head through the interface from reader. A reader authenticator certifies reader as the reader for the second head. A controller(400) constitutes response data. A transmitter transmits response data to a reader.

Description

System and method for Providing RFID Bankbook and Program Recording Medium}

1 is a view showing an RFID passbook / card issuing system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a bankbook / card ledger configuration for using an RFID bankbook / card as a second bankbook / card associated with a first bankbook / card according to an embodiment of the present invention.

3 is a diagram illustrating an RFID passbook / card issuing process according to an embodiment of the present invention.

4 is a diagram illustrating a configuration of an RFID passbook / card function according to an embodiment of the present invention.

5 is a diagram illustrating a functional configuration of a terminal equipped with a second bankbook / card transaction reader according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a financial transaction system using an RFID passbook / card as a second passbook / card associated with a first passbook / card according to an embodiment of the present invention.

7 is a diagram illustrating an RFID passbook / card operation process according to an embodiment of the present invention.

8 is a diagram illustrating a process of approving the use of an RFID passbook / card as a second passbook / card according to an embodiment of the present invention.

9 is a diagram illustrating a process of processing a financial transaction using an RFID passbook / card as a second passbook / card according to an embodiment of the present invention.

100: passbook / card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: account book / card information generation unit

130: RFID passbook / card information generation unit 135: Bankbook / card issuer

140: RFID passbook / card issuing unit 145: Issuing application terminal

The present invention is to generate (or confirm) the unique ID information to be assigned to the second bank account / card associated with the first bank account / card to be issued, when the bank account / card is issued, the unique ID information and the unique ID information Storing a second bankbook / card use authorization password and first bankbook / card information for use as a second bankbook / card in the ledger, issuing an RFID bankbook recording the unique ID information; Firstly authenticating the reader as a second bankbook / card transaction reader in the RFID bankbook / card when the wireless interface is connected between the RFID bankbook and the reader; and at the first authentication, the reader in the RFID bankbook / card Transmitting the unique ID information to the terminal; and outputting a second passbook / card use approval password input interface from the terminal equipped with the reader, and a second passbook / card through the second passbook / card use approval password input interface. If the passcode is entered, the unique ID information and the second passbook / card use authorization password to the financial company server, and the second bankbook / card matched with the unique ID information in connection with the ledger in the financial company server Secondly authenticating a second passbook / card use approval for the RFID passbook / card through a use approval password; and during the second authentication, the financial institution server confirms the first passbook / card information from the ledger by The present invention relates to an RFID passbook providing method comprising providing to the terminal or generating disposable passbook / card information matching the first passbook / card information.

With the introduction of RFID (Radio Frequency Identification), we anticipate the arrival of the ubiquitous world where RFID tags can be attached to all things in the world and automatically managed, and anytime, anywhere users can provide services they want.

However, with the development of RFID-related standard standards and the development of related technologies, the predictions are increasingly faced with difficulties.

In order to provide a ubiquitous service using RFID, an RFID infrastructure including a reader, a terminal, an OIS / ODS, and an RFID network, in addition to the RFID tag, must be essential. No one is actively participating in the RFID infrastructure.

In the financial field, providing a financial service desired by a user anytime and anywhere using RFID also includes a problem that is difficult to be commercialized due to RFID infrastructure problems.

Of course, a conventional method of attaching (or inserting) RFID to a bankbook / card has been proposed. However, the conventional method only uses RFID as a preprocessing use for bankbook / card use, and it is difficult to use the RFID as a second bankbook / card as it is due to security problems.

An object of the present invention for solving the above problems, when issuing the passbook / card, generates (or confirms) the unique ID information to be given to the second passbook / card associated with the first passbook / card to be issued, and the unique ID Information and a second passbook / card use authorization password and a first passbook / card information for using the unique ID information as a second passbook / card are stored in the ledger, and an RFID passbook having recorded the unique ID information is issued. When the wireless interface between the passbook / card issuing server and the RFID passbook and the reader is connected, the reader is first authenticated as a second bankbook / card transaction reader, and during the first authentication, the unique ID information is transmitted to the reader. And a second bankbook / card transaction reader, and when the unique ID information is read from the RFID bankbook through the second bankbook / card transaction reader, the second bankbook / card use authorization password is inputted. Interfe And a terminal for transmitting the unique ID information and the second passbook / card use approval password when the second passbook / card use approval password is input through the second passbook / card use approval password input interface. Receiving the unique ID information and the second passbook / card use approval password from the terminal, and the second passbook for the RFID passbook / card through a second passbook / card use approval password that matches the unique ID information in association with the ledger Secondary authentication of passbook / card approval, and at the time of the second authentication, confirm the first passbook / card information from the ledger and provide it to the terminal, or a disposable passbook / matched with the first passbook / card information It is to provide an RFID bank account providing system having a financial company server for generating card information to provide to the terminal.

According to the present invention, an RFID passbook providing method comprises: generating (or verifying) unique ID information to be assigned to a second passbook / card associated with a first passbook / card to be issued when the passbook / card is issued; Storing information in the ledger in association with the second bankbook / card use authorization password and the first bankbook / card information for using the unique ID information as a second bankbook / card, and the RFID bankbook recording the unique ID information. Issuing, and firstly authenticating the reader to a second bankbook / card transaction reader at the RFID bankbook / card when the wireless interface is connected between the RFID bankbook and the reader, and at the first authentication, the RFID Transmitting the unique ID information from the bankbook / card to the reader; outputting a second bankbook / card use authorization password input interface from the terminal equipped with the reader; and inputting the second bankbook / card use authorization password input interface If a second passbook / card use approval password is input through e-S, transmitting the unique ID information and the second passbook / card use approval password to a financial company server; and the unique ID information in connection with the ledger at the financial company server. Secondly authenticating a second passbook / card use approval for the RFID passbook / card through a second passbook / card use approval password that matches the second passbook, and at the time of the second authentication, the first bank from the ledger at the financial company server; Checking the passbook / card information provided to the terminal, or generating a single passbook / card information matching the first passbook / card information and characterized in that it comprises the step of providing to the terminal.

In addition, the terminal receives the first bank account / card information from the financial institution server and the terminal regards the first bank account / card information as a bank account / card information read from the bank account / card reader provided in the terminal And outputting a financial transaction interface.

According to the present invention, the RFID passbook / card, the antenna unit for connecting a reader and a wireless interface, a receiving unit for receiving a second bankbook / card transaction reader authentication information from the reader through the wireless interface, and the second A reader authentication unit that reads the bankbook / card transaction reader authentication information and authenticates the reader as a second bankbook / card transaction reader; If the second passbook / card transaction reader is not authenticated, and the passbook / card control unit for deactivating (or initializing) the RFID passbook / card and the response data is configured, the wireless interface is extracted. And a transmission unit for transmitting the response data to the reader.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described RFID account providing method.

RFID passbook providing system according to the present invention, when issuing the passbook / card, generates (or confirms) the unique ID information to be given to the second passbook / card associated with the first passbook / card to be issued, and the unique ID information and And storing in the ledger by linking a second passbook / card use approval password and first passbook / card information for using the unique ID information as a second passbook / card, and issuing and processing an RFID passbook recording the unique ID information. When the wireless interface between the bankbook / card issuing server and the RFID bankbook and the reader, the reader is first authenticated as a second bankbook / card transaction reader, and during the first authentication, unique ID information is transmitted to the reader. And a second bankbook / card transaction reader, and when a unique ID information is read from the RFID bankbook through the second bankbook / card transaction reader, a second bankbook / card use authorization password input interface is provided. Exodus And a terminal that transmits the unique ID information and the second bankbook / card use password when the second bankbook / card use authorization password is input through the second bankbook / card use authorization password input interface. Receiving the unique ID information and the second passbook / card use approval password, the second passbook / for the RFID passbook / card through the second passbook / card use approval password that matches the unique ID information in association with the ledger / Secondary authentication of the use of the card, at the time of the second authentication, confirms the first bankbook / card information from the ledger to provide to the terminal, or disposable bankbook / card information that matches the first bankbook / card information It characterized in that it comprises a financial company server to generate and provide to the 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 thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be 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 an RFID passbook / card issuing system according to an embodiment of the present invention.

In more detail, in Figure 1, when a customer applies for bankbook / card issuance, the RFID bankbook / card issuing system provides the print media or card media (eg, MS) to the customer based on the bankbook / card issue application information provided from the customer. Card or IC card) to issue a first passbook / card in the form of a paper passbook (or electronic passbook) to a magnetic stripe (MS) / Integrated Circuit (IC) card, wherein the first passbook / The configuration of a bankbook / card issuing system for issuing a second bankbook / card further recording a unique ID information associated with a card in an RFID medium, and a person having ordinary knowledge in the technical field to which the present invention pertains, FIG. Various implementation methods for a system configuration for issuing an RFID passbook / card to be used as a second passbook / card associated with the first passbook / card by reference and / or modification may be inferred. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, on the RFID passbook / card issuing system shown in Figure 1 based on the passbook / card issuing application information provided from the customer to the customer passbook / card to the print medium or card medium (for example, MS card, IC card) Issue a first bankbook / card in the form of a paper bankbook (or electronic bankbook) to which card information is recorded, or an MS / IC card, and record a unique ID information associated with the first bankbook / card on an RFID medium. One or more means for issuing and / or a component corresponding to the functional configuration is referred to as "bank / card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the RFID bankbook / card issuing system includes a teller terminal used by a teller provided by a financial institution, and the teller terminal comprises a financial network (eg The communication channel is connected to the passbook / card issuing server 100 provided on the RFID passbook / card issuing system through the network.

Further, when the RFID passbook / card issuing system supports a non-facebook passbook / card issuing application, the RFID passbook / card issuing system allows the customer to input (or select) the passbook / card issuing application information. It is preferable to further comprise a client terminal including a wired terminal or a wireless terminal for transmitting to the passbook / card issuing server 100 via a communication network.

Here, the wired terminal is a generic term for all terminal devices connected to a TCP / IP-based wired communication network, and includes a desktop computer, a notebook, or a notebook computer connected to the TCP / IP-based communication network. It is preferable to include at least one home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network.

In addition, the wireless terminal may be any terminal device connected to a CDMA / WCDMA-based mobile communication network, or all terminal devices connected to an IEEE 802.16x-based mobile Internet, or any wireless device connected to an IEEE 802.11x-based wireless LAN. As a generic term for a terminal device, a Personal Communication System (PCS), a Global System for Mobile communications (GSM) terminal, a Personal Digital Cellular Terminal (PDC), and a PHS (PHS) connected to the CDMA / WCDMA based mobile communication network Personal Handyphone System terminal, personal digital assistant (PDA), smart phone, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN It is preferable that one or more LAN terminals are included.

According to another exemplary embodiment of the present invention, when the RFID bankbook / card issuing system supports a non-facebook bankbook / card issuing application, the RFID bankbook / card issuing system may include a financial network (eg, It further comprises an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and an automatic teller machine (not shown) including a cash dispenser (CD), or a public switched telephone network. Network (PSTN), a wired call terminal (not shown) connected to a wired telephone network such as VoIP (Voice over IP) network, or a wireless call terminal (urban) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network O) or further comprising an affiliated terminal (not shown) provided in one or more institutions affiliated with the financial institution. Possible, to which the present invention is not limited.

Hereinafter, the terminal device for inputting (or selecting) the bankbook / card issuing application information on the RFID bankbook / card issuing system shown in FIG. 1 to be transmitted to the bankbook / card issuing server 100 for the sake of convenience. Terminal 145 ".

According to one embodiment of the present invention, the customer visits a financial institution for bankbook / card issuance and passes through a window (or through a cashier) provided at the financial institution (for example, a bankbook / card). A document with a form for filling out one or more information items for issuance) (or an employee visits the customer and asks the customer to complete a bankbook / card issuance application for the bankbook / card issuance); Upon submitting the completed bankbook / card issuance application to the teller, the teller / card issuing application is provided through the passbook / card issuing interface provided at the teller terminal (or provided from the bankbook / card issuing server 100). Input (or select) the bankbook / card issuing application information written in the It is preferable to transfer to the bank account / card issuing server 100 is provided on the RFID passbook / card issuing system.

According to another embodiment of the present invention, when the RFID bankbook / card issuing system supports a non-facebook bankbook / card issuing application, the customer communicates with the bankbook / card issuing server 100 through the client terminal. Connect the channel, and receive and output the passbook / card issuing interface from the passbook / card issuing server 100 through the communication channel, the passbook written in the passbook / card issuing application through the passbook / card issuing interface Pass / card issue application information (or selected), the bank account / card issuing server 100 provided on the RFID bank / card issuing system via the financial network to the bank account / card issuing application information input (or selected) Is preferred.

According to the present invention, the financial institution that issues the bankbook / card to the customer is provided with a financial system for providing various financial transactions (for example, credit, receiving, foreign exchange, financial investment, etc.) services to one or more customers. It is done.

The financial system provided in the financial institution is connected to at least one window terminal provided at a branch (or branch) of the financial institution through a financial network (for example, a branch network), and through the window terminal. It is characterized by providing a financial transaction service of the requested face-to-face manner.

In addition, the financial system may include one or more financial automated machines including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or one or more other financial institutions affiliated with the financial institution. (Or another financial institution branch), or a financial automation device provided in a public place or at least one financial automation device, characterized in that connected via a financial network (eg CD common network), the financial automated device It is characterized by providing a non-face-to-face financial transaction service requested through.

The financial system may be connected to a non-face-to-face banking server including at least one of an internet banking server, a wireless banking server, a tele banking server, a home banking server, and a TV banking server. It provides a non-face-to-face financial transaction service requested from one or more non-face-to-face banking terminal connected to.

Referring to Figure 1, the financial system is a computer system provided in the financial institution to open and operate one or more financial accounts, and to process one or more financial transactions and funds management requested from customers through the financial account, An accounting system that handles window services, such as credits or receptions or trusts or foreign exchanges that occur at one or more branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between one or more other financial systems (or payment systems), and / or one or more non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Access to the financial system from banking, etc., or one or more common networks (e.g., CD common network, financial public) And an external system that provides various financial transaction interfaces through a network), and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system; DBMS (DataBase) including one or more databases that store and manage the information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function performed in the components of the financial system And a management system).

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

According to the present invention, the DBMS provided in the financial system stores one or more ledgers for the financial institution to open one or more financial accounts to one or more customers and provide one or more financial transaction services based on the financial accounts. And a ledger D / B on the financial system, wherein the ledger D / B on the financial system includes one or more ledger information (eg, a customer) for processing one or more financial transactions to be provided to the customer by the financial institution. Ledger, receiving ledger, collateral ledger, etc.) and one or more ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement the attributes / functions of each ledger) are linked and stored in a relational manner. It is characterized by that.

Those skilled in the art to which the present invention pertains include one or more ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger information. Not only familiarize yourself with at least one ledger additional information corresponding to, but also be aware that each ledger information is linked and stored in relational relations, or that ledger information and one or more ledger additional information are linked and stored in relational relations. Since there will be, a detailed description thereof will be omitted for convenience.

The bankbook / card issuing server 100 provided on the RFID bankbook / card issuing system is a generic term for the components of the RFID bankbook / card issuing system side connected to the issuing application terminal 145 through a financial or communication network. It may be implemented by including one or more servers (or devices), and / or by one or more programs recorded on a recording medium provided in the server (or device), and the present invention is not limited thereto.

According to the present invention, the bankbook / card issuing server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a communication channel with the issuing application terminal 145 through the financial or communication network. .

According to an embodiment of the present invention, when the issuing application terminal 145 is a teller terminal (or a financial automation device) connected to a financial network, the interface unit 105 is based on the communication protocol defined in the financial network. It is desirable to connect the counter terminal (or automated teller machine) with a closed communication channel based on a full-text (or data) exchange.

According to another exemplary embodiment of the present invention, when the issuing application terminal 145 is a client terminal connected to a communication network, the interface unit 105 may perform encryption / decryption or digital signature based on a communication protocol defined in the communication network. It is desirable to connect a certificate-based secure communication channel.

According to another exemplary embodiment of the present invention, when the issuing application terminal 145 is a call terminal connected to a telephone network, the interface unit 105 is a complex frequency code based on a communication protocol and a signal processing scheme defined in the telephone network. It is desirable to connect the base voice call channel.

Referring to Figure 1, the bankbook / card issuing server 100, when the issuing application terminal 145 is connected to the bankbook / card issuing server 100 through the interface unit 105, the interface unit ( Interface providing unit 110 for generating (or extracting) the bankbook / card issuing information from the issuing application terminal 145 and (or extracting) the bankbook / card issuing interface with the issuing application terminal 145 in connection with 105; When the issue request terminal 145 inputs (or selects) the passbook / card issue application information via the passbook / card issue interface and receives the passbook / card issue application information in connection with the interface unit 105. Corresponding to the first passbook / card including an information receiving unit 115 and at least one paper passbook (or electronic passbook) or MS / IC card to be issued to the customer based on the received passbook / card issuing application information First barrel Issuing a first bankbook / card including the first bankbook / card information through a bankbook / card information generating unit 125 (or a bankbook / card information generating means) for generating card information and a bankbook / card issuing device; Storing the bankbook / card issuing unit 135 (or bankbook / card issuing means) and first bankbook / card ledger information corresponding to the first bankbook / card issued to the customer in the ledger D / B on the financial system. It is characterized by comprising an information storage unit 120 to.

The interface providing unit 110 corresponds to a functional configuration provided in the issuing application terminal 145 when the issuing application terminal 145 accesses the bankbook / card issuing server 100 through the interface unit 105. Input (or select) the bankbook / card issuing application information to generate a bankbook / card issuing interface that can be transmitted to the bankbook / card issuing server 100 via the financial network (or communication network), or a database (city Omit) and provide the generated (or extracted) user interface to the issuing application terminal 145 through the financial network (or communication network) in conjunction with the interface unit 105.

Subsequently, the issuing application terminal 145 inputs (or selects) the bankbook / card issuing application information based on the bankbook / card issuing interface, and the bankbook / card issuing application information is inputted (or selected). The bank / card issuing server 100 is transmitted through a network.

According to an embodiment of the present invention, when the issue application terminal 145 is provided with a passbook / card issue program including the passbook / card issue interface, the interface providing unit 110 moves to the issue application terminal 145. Providing the bankbook / card issuing interface may be omitted.

When the issue request terminal 145 inputs (or selects) the passbook / card issue application information through the passbook / card issue interface, the information receiver 115 transmits the passbook at the issue application terminal 145. It is characterized in that for receiving the passbook / card issuing application information input (or selected) through the / card issuing interface.

According to the implementation method of the present invention, the bankbook / card issuing application information includes the customer information and the bank account / card issuing information and the account information to be associated with the bankbook / card issued one or more, Preferably, the card further includes RFID issuance information to be associated with the card.

Here, the customer information may include one or more personal information (eg, name, resident registration number, address, contact information) or member information (eg, member ID / PW information) of the customer who issuing the bankbook / card. Do.

The bankbook / card issuing information is information for authenticating that the customer corresponding to the customer information has applied for issuing the bankbook / card, and when the customer visits a window and applies for issuing the bankbook / card in a face-to-face manner, Preferably, the customer's transaction seal (or signature) information or password is included. If the customer requests issuance of the bankbook / card in a non-face-to-face manner through a client terminal, the non-face-to-face authentication information of the customer is included. It is preferable to make it.

Preferably, the account information includes an account number of a customer name to be associated with the bankbook / card. If the bankbook / card is not associated with an account, the account information may be omitted from the bankbook / card issue application information.

If an account to be associated with the bankbook / card is not opened, the account information may further include account opening application information for requesting to open an account to be linked with the bankbook / card.

The RFID issuance information is issued to the customer as a first bankbook / card including one or more paperbooks (or electronic bankbooks) or MS / IC cards, and includes unique ID information associated with the first bankbook / card. A generic term for information for issuing an RFID passbook / card, comprising: unique ID information (or unique ID assignment request information) recorded in an RFID passbook / card to be issued to the customer, and an RFID passbook / card issued to the customer. 1 It is preferable that the second passbook / card use authorization password for use as a second passbook / card associated with the passbook / card is preferably included.

According to an embodiment of the present invention, when the customer visits the window and applies for issuing the bankbook / card in a face-to-face manner, and the window has an RFID bankbook / card to be provided to the customer, the RFID issuing information may include Unique ID information read from a specific RFID among RFID passbooks / cards provided at the window, and a second passbook for using an RFID passbook / card recorded with the unique ID information as a second passbook / card associated with the first passbook / card. / Card use authorization password is preferably included.

According to another embodiment of the present invention, the customer applies for issuing the bankbook / card in a non-face-to-face manner through a client terminal, or the customer visits a window and applies for issuing the bankbook / card in a face-to-face manner. When no RFID passbook / card to be provided to the customer is provided, the RFID issuance information includes unique ID assignment request information requesting to assign unique ID information to the RFID passbook / card to be issued to the customer, and the unique ID information. It is preferable to include a second passbook / card use authorization password for use as a second passbook / card associated with the first passbook / card recorded the RFID passbook / card, according to the intention of the skilled person It is preferable to further comprise the bank / card destination information to be delivered and received.

According to the embodiment of the present invention, the information receiving unit 115 preferably further includes a function of checking the validity of the received bankbook / card issuance request information.

Here, the account / card issuance validity check may be performed to confirm whether the customer information included in the bank / card issuance application information is a valid customer, and the financial account information included in the bank / card issuance application information is the ledger on the financial system. It is preferable to include one or more to check whether the D / B is provided.

If the ledger D / B on the financial system does not have a financial account to be linked with the bankbook / card, the bankbook / card issuing server 100 performs a procedure for opening a new financial account to be linked with the bankbook / card. It may be further carried out, whereby the present invention is not limited.

The bankbook / card information generating unit 125 may be in the form of a paperbook (or electronic bankbook) to MS / IC card to be issued to the customer based on the bankbook / card issuing application information received through the information receiving unit 115. And generate first bankbook / card information to be provided in the first bankbook / card.

If the first passbook / card is a paper passbook (or electronic passbook), the first passbook / card information is a customer name, social security number (or customer is a company / corporation) corresponding to the paper passbook (or electronic passbook) One or more bank account information, including one or more transaction date, contents, withdrawal amount, deposit amount, balance, and store name. It is preferable to comprise.

Alternatively, when the first bankbook / card is an MS / IC card, the first bankbook / card information includes a card number, BIN information, expiration date, CVC / CVV, cardholder's English name, Card basic information including one or more payment attributes, linked account information (or limit information), and transaction details including transaction date and time, contents, and transaction amount are preferably included.

When the first bankbook / card information provided in the first bankbook / card is generated by the bankbook / card information generating unit 125, the bankbook / card issuing unit 135 uses the bankbook / card issuing device. 1, the first bankbook / card containing the bank account / card information (or book / record the bank account / card information on the bank account / card), characterized in that the first bank account / card provided to the customer ( Or shipping).

If the first passbook / card is a paper passbook, the passbook / card issuing device comprises a device for printing the first passbook / card information on one or more forms provided in the paper passbook, wherein the The bankbook / card information generating unit 125 generates the first bankbook / card information in a data structure printable on at least one paperbook form, and the bankbook / card issuing unit 135 is provided through the bankbook / card issuing device. 1 The bankbook / card information is printed on one or more forms, thereby issuing the first bankbook / card.

Alternatively, if the first passbook / card is an MS card, the passbook / card issuing device comprises a device for recording the first passbook / card information to the MS of the MS card, wherein the passbook / card information The generation unit 125 generates first bankbook / card information to be recorded in the tracks I, II, and II of the MS, and the bankbook / card issuing unit 135 performs the bankbook / card through the bankbook / card issuing device. The first bankbook / card is issued by recording information in one or more tracks provided in the MS.

Alternatively, if the first passbook / card is an electronic passbook or an integrated circuit (IC) card, the passbook / card issuing device records the first passbook / card information in an IC chip memory provided in the electronic passbook or IC card. In this case, the bankbook / card information generation unit 125 generates the first bankbook / card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, The bankbook / card issuing unit 135 issues the first bankbook / card by recording the first bankbook / card information in the IC chip memory through the bankbook / card issuing device.

It is preferable that the bankbook / card manufactured as described above is provided to the customer through a window or delivered to the customer according to the bankbook / card providing procedure.

Thereafter, the information storage unit 120 generates first bankbook / card ledger information based on the bankbook / card issue request information and the first bankbook / card information received from the customer through the information receiver 115. And storing the first bankbook / card ledger information in the additional information ledger of the account ledger (or receiving ledger) corresponding to the account associated with the first bankbook / card on the ledger D / B on the financial system. do.

Referring to Figure 1, the passbook / card issuing server 100, the RFID issuing confirmation unit (or RFID) to check whether the RFID issuance information is included in the passbook / card issuing application information received through the information receiving unit 115 Issue confirmation means), and when the passbook / card issue application information includes RFID issue information, it is recorded on the RFID passbook / card to be issued to the customer in association with the first passbook / card based on the RFID issue information. RFID passbook / card information including unique ID information and a second passbook / card use authorization password for using the RFID passbook / card recording the unique ID information as a second passbook / card associated with the first passbook / card. An RFID passbook / card issuing unit for issuing an RFID passbook / card including the RFID passbook / card information through an RFID passbook / card information generation unit 130 (or RFID passbook / card information generation means) to generate, and a RIFD device 140 (or RFID Bankbook / card issuing means), and processing the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card, the unique ID information included in the RFID bankbook / card information, and the unique ID information. Information storage unit 120 (or information storage) for storing a second bankbook / card use approval password for use as a second bankbook / card and the first bankbook / card information associated with the RFID bankbook / card in association with the ledger Means).

When the bankbook / card issuance request information is received through the information receiving unit 115, the RFID issuing confirmation unit is characterized in that whether the received bankbook / card issuing application information includes the RFID issuance information.

If it is confirmed that the received bankbook / card issuing application information includes the RFID issuance information, the RFID bank account / card information generation unit 130 is linked to the first bank / card based on the RFID issuing information Characterized by identifying (or generating) the unique ID information to be recorded on the RFID passbook / card to be issued to the customer.

According to an embodiment of the present invention, when the RFID issuance information includes the unique ID information recorded in the RFID passbook / card, the RFID passbook / card information generation unit 130 includes the unique ID included in the RFID issue information. It is desirable to confirm the information as the unique ID information of the RFID passbook / card to be issued to the customer.

According to another embodiment of the present invention, when the RFID issuance information includes unique ID assignment request information for requesting to assign unique ID information to an RFID passbook / card to be issued to the customer, the RFID passbook / card information generation unit 130 preferably generates the unique ID information to be recorded on the RFID passbook / card to be issued to the customer so as not to overlap.

When the unique ID information to be recorded in the RFID passbook / card to be issued to the customer is confirmed (or generated), the RFID passbook / card information generation unit 130 checks the unique ID information (or generated) and the unique ID. Characterized in that the RFID passbook / card information including the second passbook / card use authorization password for use as a second passbook / card associated with the first passbook / card recorded information.

When the first bankbook / card information corresponding to the RFID bankbook / card is generated by the RFID bankbook / card information generating unit 130, the RFID bankbook / card issuing unit 140 can read the RFID bankbook / card through the RFID device. Producing an RFID passbook / card including the unique ID information included in the card information (or book / record the unique ID information on the RFID passbook / card), the RFID passbook / card is the first passbook A second bankbook / card associated with the card is provided (or shipped) to the customer along with the first bankbook / card.

When the first bankbook / card is issued and the RFID bankbook / card associated with the first bankbook / card is issued, the information storage unit 120 associates the RFID bankbook / card with the first bankbook / card. A second passbook / card processed, the unique ID information included in the RFID passbook / card information, a second passbook / card use approval password and the RFID passbook for using the unique ID information as a second passbook / card It is characterized in that the first bank / card information associated with the / card and stored in the ledger.

2 is a view illustrating a bankbook / card ledger configuration for using an RFID bankbook / card as a second bankbook / card associated with a first bankbook / card according to an embodiment of the present invention.

In more detail, Figure 2 shows an RFID passbook / card issued through the RFID passbook / card issuing system shown in Fig. 1 in the form of a paper passbook (or electronic passbook) to MS (Magnetic Stripe) / IC (Integrated Circuit) card. The configuration of the bankbook / card ledger stored in the ledger D / B 200 on the financial system for use as a second bankbook / card associated with the first bankbook / card, specifically, the RFID bankbook / card is a paper bankbook ( Or an electronic bankbook), it illustrates an implementation method for configuring a bankbook ledger corresponding to the paper bankbook (or electronic bankbook) in the ledger D / B 200 on the financial system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to use an RFID passbook / card as a second passbook / card associated with the first passbook / card. Various implementation methods for the ledger configuration may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 2, and when the RFID passbook / card is an MS / IC card, a card ledger corresponding to the MS / IC card. It will be apparent that an implementation method for constructing the present invention may be inferred, and the present invention includes all the possible inference methods.

For example, in FIG. 2, the ledger information stored in the ledger D / B 200 on the financial system includes a customer ledger, at least one account ledger, and first bank / card information processed in association with each account ledger. Although illustrated and described, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 2 and other various ledgers (for example, loan ledger, mortgage ledger) in addition to the customer ledger and the account ledger. , ... etc.) and its additional information will be clearly understood to be included in the ledger information, whereby the present invention is not limited.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger D / B 200 on the financial system includes a customer ledger, an account ledger associated with the customer ledger, and an account book in the form of an additional information ledger of the account ledger. It is made including a ledger, it is possible to be further provided with one or more ledgers (eg, loan ledger, mortgage ledger, etc.) according to the intention of the skilled person.

In FIG. 2, the customer ledger is a ledger matched with customer information included in the bankbook / card issuing application information. Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, type of business, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

In addition, in FIG. 2, the account ledger is linked to the customer ledger in a relational manner, and corresponds to an account associated with the first bankbook / card to the second bankbook / card, and includes account number, CIF number, point number, Currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, final deposit Including account ledger information including at least one of withdrawal date, final deposit amount, final withdrawal amount, unpaid transaction number, interest rate account account, flat line consolidation, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic reception information including at least one or more of an account number corresponding to the account ledger, the number of waivers (months), a period (days), a period extension, an expiration date, and a target amount; and / or an account corresponding to the account ledger. Trust receipt information including at least one of a number, a deposit amount, a par value, a pension date and the number of shares, and / or an account number corresponding to the account ledger, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, It includes transaction history information including at least one or more RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

In addition, in FIG. 2, the bank account ledger is associated with the account ledger in the form of additional information ledger, and includes a customer name, a resident registration number (or a corporate registration number if the customer is a company / corporate) corresponding to the first bank account / card. ), The bank account basic information including one or more types of deposit, new date, issue date and bank account number, and one or more bank account entry information including one or more transaction date and time, contents, withdrawal amount, deposit amount, balance, and store name. Do.

Referring to FIG. 2, the bank account book may include first identification ID information recorded on an RFID bankbook / card issued to the customer in association with the first bankbook / card and an RFID bankbook / card recording the unique ID information. And further storing and storing the RFID passbook / card information including a second passbook / card approval password for use as a second passbook / card associated with the passbook / card. The first bankbook / card information corresponding to the bankbook) includes the unique ID information recorded on the RFID bankbook / card issued to the customer and the second bankbook associated with the first bankbook / card with the RFID bankbook / card recording the unique ID information. It is stored in the ledger in association with a second passbook / card use authorization password for use as a card.

In more detail, Figure 3, when the issuing application terminal 145 provides the bankbook / card issuing application information including the RIFD issuing information, the bankbook / card issuing server 100 on the RFID bank / card issuing system shown in Figure 1 ) Issuing a first bankbook / card in the form of a paper bank (or electronic bank account) to the MS (Magnetic Stripe) / IC (Integrated Circuit) card recorded through the bankbook / card issuing application information, based on the RFID issuing information A process of issuing a second bank account / card in which unique ID information associated with the first bank account / card is recorded on an RFID medium, and a person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods of issuing the first and second bankbooks / cards may be inferred by reference and / or modification, the present invention includes all the implementation methods inferred, and the implementation method illustrated in FIG. It shall not be limited.

Hereinafter, in FIG. 3, the issuing application terminal 145 shown in FIG. 1 is referred to as a “terminal” for convenience, and the bankbook / card issuing server 100 is referred to as a “server” for convenience.

Referring to Figure 3, a customer (or a teller who responds to a customer) who wants to issue a passbook / card in the form of a paper bankbook (or an electronic bankbook) or an MS / IC card is printed on the terminal via a bankbook / card issuing interface. Filling / inputting (or selecting) the card issuing information and providing it to the server (300), the server can receive and read the bankbook / card issuing information and issue the bankbook / card to the customer. Check (305).

If the validity to issue the bankbook / card to the customer is not authenticated through the bankbook / card issue application information (310), the server issues a bankbook / card issue to the customer through the bankbook / card issue interface. Provide information (315) and stop issuing the bankbook / card to the customer.

On the other hand, if the validity for issuing the bankbook / card to the customer through the bankbook / card issuing information is authenticated (310), the server is a paper bankbook to issue to the customer based on the bankbook / card issuing application information ( Or an electronic bankbook) to generate a first bankbook / card information corresponding to a bankbook / card in the form of MS / IC card (320), and a first bankbook having the first bankbook / card information through the bankbook / card issuing device. After processing / card to be produced (325), and generates the first bank account / card ledger information through the bank account / card issuance application information and the first bank card information (330)

In addition, the server checks whether the bankbook / card issuing application information includes RFID issuance information for issuing the RIFD bankbook / card (335).

If the bankbook / card issuing application information does not include the RFID issuance information for the RIFD bankbook / card issuance (340), the server in conjunction with the financial system, the bankbook / provided in the ledger D / B (200) The generated first bankbook / card ledger information is stored in a card ledger (345).

According to the implementation method of the present invention, it is preferable that the produced first bankbook / card is provided (or shipped) to the customer according to a window (or bankbook / card delivery procedure).

On the other hand, if the bankbook / card issuing application information includes the RFID issuance information for the RIFD bank account / card issuance (340), the server is unique to the RFID bank / card issued to the customer through the RFID issuance information A second passbook / for checking (or generating) ID information (350) and using the RFID passbook / card recording the unique ID information and the unique ID information as a second passbook / card associated with the first passbook / card; After generating an RFID passbook / card information including a card use approval password (355), and processing the RFID passbook / card recorded with the unique ID information through an RFID device (360), in connection with the financial system, Unique ID information recorded in the RFID bankbook / card issued to the customer in the bankbook / card ledger is stored in the ledger / card ledger provided in the ledger D / B (200) And unique ID definition Storing the RFID passbook / card information including the second passbook / card use approval password for use as the second passbook / card associated with the first passbook / card (365), thereby storing Unique ID information included in RFID passbook / card information, a second passbook / card use approval password for using the unique ID information as a second passbook / card, and first passbook / card information associated with the RFID passbook / card Is stored in the ledger.

According to the method of the present invention, the RFID bankbook / card to be used as the first bankbook / card and the second bankbook / card are provided (or delivered) to the customer according to a window (or bankbook / card delivery procedure). desirable.

In more detail, FIG. 4 illustrates a first embodiment of an RFID passbook / card through a RFID passbook / card issuing system shown in FIG. 1 in the form of a paper passbook (or electronic passbook) to a magnetic stripe (MS) / IC (Integrated Circuit) card. Figure 2 shows the configuration of the RFID function to be used as a second passbook / card associated with the passbook / card, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify the present invention, the RFID passbook It is possible to infer various implementation methods for the / card function configuration, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the RFID passbook / card includes an antenna designed to efficiently transmit and receive a radio frequency signal corresponding to an RFID air interface standard, and also to receive a radio frequency signal applied from the antenna. And an antenna unit 440 applied to the components of the RFID passbook / card. The RFID passbook / card comprises a power supply unit 420 for supplying power required for operation. It features.

In addition, the RFID passbook / card, the receiving unit 430 for converting the radio frequency signal received through the antenna unit 440 into a digital signal, and the response signal extracted (or generated) corresponding to the received digital signal It characterized in that it comprises an RF unit 425 including a transmitting unit 435 for converting into a radio frequency signal that can be transmitted through the antenna unit 440.

In addition, the RFID passbook / card is a control unit 400 for controlling the overall functions and operations provided in the RFID passbook / card, one or more passbook / card control information required for the control unit 400 to perform a control function and And a memory unit 415 for storing unique ID information for using the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card.

The control function of the controller 400 may include a protocol reading function corresponding to a digital signal received through the receiving unit 430, a function of generating or extracting a response signal corresponding to the read digital signal, and a plurality of functions. It is preferable to include an anti-collision function for other RFID passbook / card, the passbook / card control information, including the RFID control information (or control logic) for operating the control function of the control unit 400 It is preferable to make.

According to the present invention, in order to use the RFID passbook / card as a second passbook / card associated with the first passbook / card, the passbook / card control information, a plurality of radio frequency signals for transmitting to the RFID passbook / card To authenticate a specific RFID reader (eg, an RFID reader of a financial institution that issued the RFID bankbook / card) among the RFID readers of the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card. And the second bank / card transaction reader verification information, or the second bank / card transaction reader verification logic, wherein the controller 400 controls the RFID reader through the bank / card control information. It is preferable to control the unique ID information to be transmitted to the second bankbook / card transaction reader only when the second bankbook / card transaction reader is authenticated.

The antenna unit 440 from the RFID reader when the RFID passbook / card enters a radio frequency field of a specific RFID reader or effectively receives a radio frequency signal emitted from the RFID reader. Receives the radio frequency signal to be transmitted to the RF unit 425 provided in the RFID passbook / card, or transmits the radio frequency signal generated by the RF unit 425 through the antenna. .

In addition, when the RFID passbook / card is passive, the antenna unit 440 applies energy (eg, an analog signal of radio frequency) included in the radio frequency signal transmitted from the RFID reader to the power supply unit 420. As a result, the power supply unit 420 may generate and supply an energy source (or power source) required for the RFID passbook / card to operate.

At this time, the power supply unit 420 generates a power corresponding to the energy field around the RFID reader by using an analog signal of a radio frequency applied through the antenna unit 440 to the component in the RFID passbook / card. The power supply unit 420 generates the power by using magnetic coupling or electrostatic coupling using electrostatic energy using a magnetic field of alternating current flowing through a coil of the RFID reader. Or an inductive coupling method using inductive energy.

The receiver 430 is a demodulator for converting a radio frequency signal transmitted from an RFID reader and provided (or applied) through the antenna unit 440 into a digital signal, which is received through the antenna unit 440. After demodulating a radio frequency signal to generate a digital signal, the generated digital signal is provided to the controller 400.

According to the present invention, in order to use the RFID passbook / card as a second passbook / card associated with the first passbook / card, the receiving unit 430 is the RFID among the radio frequency signals received through the antenna unit 440. A reader for using the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card from the RFID reader by demodulating a radio frequency signal including reader authentication information for a second bankbook / card transaction from a reader Receive the second bank account / card transaction reader authentication information required for authentication and transmits to the control unit 400.

According to an exemplary embodiment of the present invention, the second bankbook / card transaction reader authentication information may be included in (or added to) a radio frequency signal transmitted from the RFID reader to the RFID bankbook / card through a wireless interface. It may include one or more reader / card transaction identification signals or trigger signals, or a radio frequency signal modified from the air interface standard.

That is, all RFID readers transmit a preset radio frequency signal to at least one RFID tag existing within a frequency reach range according to the RFID radio interface standard included in the ISO-18000 series, and correspondingly, each RFID tag transmits the radio frequency signal. In response to the air interface standard (eg, timeslot setting), a response signal is transmitted, and the second bank / card transaction reader authentication information is sent from the RFID reader to the RFID tag according to the air interface standard. A radio frequency signal transmitted from the RFID reader to the RFID tag in accordance with the radio interface standard, or including a second bank / card transaction reader identification signal or trigger signal included in a reserved area of the radio frequency signal. Expands (or modifies) the additional reader identification or tree for the second bank / card transaction Preferably comprises a signal.

Here, when the second bank / card transaction reader identification signal or trigger signal is included in (or added to) the radio frequency signal transmitted from the RFID reader to the RFID tag according to the air interface standard, the radio frequency signal is transmitted. The other RFID tag received ignores the second bankbook / card transaction reader identification signal or trigger signal, or judges the second bankbook / card transaction reader identification signal or trigger signal as a noise signal (or an error signal). On the other hand, the RFID passbook / card recognizes the second passbook / card transaction reader identification signal or trigger signal as the second passbook / card transaction reader authentication information.

In addition, the second bank / card transaction reader authentication information includes a radio frequency signal modified in the air interface standard, in which case another RFID tag receiving the modified radio frequency signal is the radio frequency. While not responding to the signal, the RFID bankbook / card recognizes the modified radio frequency signal as the second bankbook / card transaction reader authentication information.

According to another exemplary embodiment of the present invention, the second bankbook / card transaction reader authentication information may be additionally transmitted after the preset radio frequency signal is transmitted through the air interface by the RFID reader, or additionally. It is preferable to include data corresponding to the digital signal contained in the radio frequency signal.

That is, the general RFID tag responds according to the wireless interface after transmitting the radio frequency signal preset for the air interface in the RFID reader, while the RFID passbook / card reacts after the preset radio frequency signal is transmitted from the RFID reader. It is preferable not to react until an additionally transmitted radio frequency signal corresponding to the second bank / card transaction reader authentication information is received.

Alternatively, the RFID bankbook / card may not react until a data corresponding to a digital signal included in the additionally transmitted radio frequency signal is confirmed after the preset radio frequency signal is transmitted from the RFID reader.

Here, the data corresponding to the digital signal included in the radio frequency signal additionally transmitted from the RFID reader is in the second bank / card transaction reader verification information included in the bank / card control information stored in the memory unit 415. As data to be compared with the included verification value, data matching the reader verification information for the second bankbook / card transaction, or a verification operation included in the verification information included in the second bankbook / card transaction reader verification information (eg, XOR operation, or hash operation) preferably comprises the data to generate a specific authentication value.

According to another embodiment of the present invention, when the RFID interface standard for authenticating the RFID reader in an RFID tag is included in the air interface standard used by the RFID bankbook / card, the second bankbook / card transaction reader authentication The information may include reader authentication information according to the RFID authentication standard included in the air interface standard.

The transmitter 435 transmits the response signal to the RFID reader when a response signal is generated through the controller 400 in response to a digital signal generated from the radio frequency signal received by the receiver 430. A modulator converting into a radio frequency signal for transmitting the radio frequency signal generated in response to the response signal is received through the antenna unit 440 and received by the RFID reader.

That is, the digital signal converted from the radio frequency signal received by the receiving unit 430 included in the RF unit 425 through the antenna unit 440 is provided to the control unit 400 provided in the RFID passbook / card. Preferably, the control unit 400 then authenticates whether the RFID reader that has transmitted the radio frequency signal based on the digital signal is a second bankbook / card transaction reader, and then the RFID reader is a second bankbook / card. In case of being authenticated as a trading leader, a signal processing (or data processing) function corresponding to the digital signal is performed to confirm (or generate) a response signal corresponding to the received digital signal, and to verify (or generate) The response signal is provided to the transmitter 435 included in the RF unit 425, and the transmitter 435 transmits a digital signal including the response signal through the antenna unit 440. God It is preferred to convert.

According to an embodiment of the present invention, when the RFID passbook / card performs a non-memory type transponder function, the controller 400 reads a protocol corresponding to a digital signal received through the receiver 430 to read the protocol. And a control logic including a function of reading a command requested from an RFID reader and a response signal corresponding to the read command, and removing the RFID passbook / card. For use as a second bankbook / card associated with the first bankbook / card, it is preferable that the RFID reader further comprises a function of authenticating whether the reader is a second bankbook / card transaction reader.

According to another embodiment of the present invention, when the RFID passbook / card performs a memory storage transponder function, the memory unit 415 stores response data corresponding to a digital signal received from an RFID reader. In this case, the controller 400 reads a protocol corresponding to the digital signal received through the receiver 430 to read a read command requested from the RFID reader, and corresponds to the read command. And a control logic (or processor) including a memory read function for extracting the stored response data from the memory unit 415 and a function for generating a response signal corresponding to the response data. In order to use the RFID passbook / card as a second passbook / card associated with the first passbook / card, the RFID reader is a second It is preferable to further comprising a function for authenticating whether the sheet / card reader transaction.

If the memory unit 415 included in the memory storage RFID passbook / card includes a write once read many (WORM) or write many (WM) memory device, the memory unit 415 may include a digital signal received through the receiver 430. A function of reading a corresponding protocol to read a write command and data requested from the RFID reader, a memory writing function of writing the read data to the memory unit 415 in response to the read command; And a function of generating a response data corresponding to a memory write result, and a function of generating a response signal corresponding to the response data, wherein the RFID passbook / card is connected to a first passbook / card. In order to use as a bankbook / card, it is preferable that the RFID reader further comprises a function of authenticating whether the reader is a second bankbook / card transaction reader.

According to another embodiment of the present invention, when the RFID passbook / card performs an IC chip type transponder function, the memory unit 415 includes a memory provided in the IC chip, and the control unit 400 And a processor for executing program code recorded in the memory in hardware, and including program code executed by the processor in software.

At this time, the controller 400 reads a digital signal received through the receiver 430 to read a command, performs one or more functions corresponding to the command, generates result data, and corresponds to the result data. Generating a response signal to the transmitter 435, and using the RFID passbook / card as a second passbook / card associated with the first passbook / card, It is preferable to further comprise a function of authenticating whether the bank account / card transaction leader is used.

Here, the RFID passbook / card for performing the IC chip-type transponder function is an RF chip type having a control unit 400 and a memory unit 415 corresponding to the RF unit 425 and the IC chip on a chip. It is preferable to be produced with.

According to the present invention, the RFID passbook / card is preferably manufactured in the form of an RF chip including the IC chip-type transponder function, whereby in Figure 4 the RFID passbook / card and the first passbook / card A functional component provided in the form of a program code recorded on a recording medium provided in the RFID bankbook / card for use as the linked second bankbook / card will be described in the control unit 400 of the RFID bankbook / card for convenience.

However, the RFID passbook / card is not limited to the form of the RF chip, and may be manufactured in the form of a memory storage transponder or a non-memory transponder according to the intention of a person skilled in the art, in which case the RFID passbook / card Functional configuration for use as a second passbook / card associated with the first passbook / card is implemented in the form of RF logic, or control logic, by which the present invention is not limited.

Referring to FIG. 4, the RFID bankbook / card is configured to use the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card through a receiving unit 430, and a second bankbook from the RFID reader. Checks whether the reader authentication information for card transaction is received and authenticates whether the RFID reader is a second bank account / card transaction reader through the bankbook / card control information when the second bank account / card transaction reader authentication information is received. When the reader authentication unit 405 and the second bankbook / card transaction reader are authenticated, the unique ID information is extracted from the memory unit 415 to construct response data, and the second bankbook / card transaction reader is authenticated. Otherwise, the passbook / card control unit 410 for deactivating (or initializing) the passbook / card is characterized in that it is made.

According to an exemplary embodiment of the present invention, the reader authentication unit 405 may include a reader identification signal or a trigger signal for a second passbook / card transaction included in (or added to) a radio frequency signal from the RFID reader, or a radio interface standard. Confirm whether the second bankbook / card transaction reader authentication information including the modified radio frequency signal is received; and when the second bankbook / card transaction reader authentication information is received, the second bankbook / card control information included in the second bankbook / card control information Reader verification information for bankbook / card transactions, or reader verification information for second bankbook / card transactions (eg, second bankbook / card included in (or added to) a radio frequency signal through reader verification logic for second bankbook / card transactions Transmits the radio frequency signal by analyzing a reader identification signal or trigger signal for a card transaction, or a digital signal corresponding to a radio frequency signal modified from an air interface standard. A RFID reader, characterized in that the authentication if a second reader for a passbook / card transaction using the passbook RFID / card to the second account / bank account card of the first / card.

According to another exemplary embodiment of the present invention, the reader authentication unit 405 transmits a radio frequency signal additionally transmitted after the preset radio frequency signal is transmitted from the RFID reader, or a digital signal included in the radio frequency signal additionally transmitted. Confirm whether the second bank account / card transaction reader authentication information including data corresponding to the second bank account / card transaction reader authentication information is received; and the second bank account / card control information included in the second bank account / card control information is received. Reader verification information for card / card transaction or reader verification logic for second bank / card transaction (eg, a radio frequency signal additionally transmitted after transmitting a preset radio frequency signal) Or digitally corresponding to data corresponding to a digital signal included in an additionally transmitted radio frequency signal Call) and analyze whether the RFID reader which has transmitted the radio frequency signal is the second bankbook / card transaction reader using the RFID bankbook / card as the second bankbook / card of the first bankbook / card. .

In particular, when the second bankbook / card transaction reader authentication information includes data corresponding to a digital signal included in an additionally transmitted radio frequency signal, the reader authentication unit 405 is included in the bankbook / card control information. After extracting (or verifying) a verification value matching the received data from the second bankbook / card transaction verification information, the RFID reader compares the received data with the verification value to determine the RFID account / Authenticate whether the card is a reader for a second bankbook / card transaction that uses the card as a first bankbook / second bankbook / card, or a preset operation (eg, an XOR operation or a hash operation on the received data and the verification value). A second passbook / car using the RFID passbook / card as a second passbook / card of the first passbook / card by analyzing the calculated authentication value To authenticate whether for trading reader is desirable.

According to another embodiment of the present invention, when the wireless interface standard used by the RFID passbook / card includes an RFID authentication standard for authenticating the RFID reader in an RFID tag, the reader authentication unit 405 may perform the wireless interface. According to the RFID certification standard included in the standard, the RFID reader that reads the second bankbook / card transaction reader authentication information and sends the radio frequency signal passes the RFID bankbook / card to the second bankbook / card of the first bankbook / card. Characterized in that the second bankbook / card transaction leader to use as authentication.

If, by the reader authentication unit 405, the RFID reader is authenticated as the second bankbook / card transaction reader using the RFID bankbook / card as the second bankbook / card of the first bankbook / card, the bankbook / card controller 410 extracts unique ID information to be used as a second passbook / card from the memory unit 415 and configures response data. When response data including the unique ID information is configured, the control unit ( 400 generates a response signal corresponding to the configured response data and transmits the response signal to the transmitter 435. In response, the transmitter 435 transmits the response signal in accordance with a radio interface standard. The signal is converted into a signal and transmitted to the authenticated second bank / card reader through the antenna unit 440.

According to the method of the present invention, the response data including the unique ID information includes, in addition to the unique ID information to be used as the second bankbook / card, the second bankbook / card transaction leader or the second bankbook / Authentication / authentication of the unique ID information (or RFID passbook / card recording the unique ID information) at a terminal connected with a terminal device equipped with a card transaction reader or a terminal device equipped with a second bank account / card transaction reader. Preferably, the bankbook / card verification value for verification may be further included. The bankbook / card verification value may include a key value generated in the form of a random number preset by the bankbook / card control unit 410 or the bankbook / card verification value. After included in the second bank account / card transaction reader verification information included in the card control information, the bank account / card control unit 410 is preferably extracted (or confirmed).

If the RFID reader is not authenticated by the reader authentication unit 405 as the second bankbook / card transaction reader using the RFID bankbook / card as the second bankbook / card of the first bankbook / card, the bankbook / card The controller 410 does not configure the response data including the unique ID information. Even if the response data is configured, the controller 410 does not generate a response signal corresponding to the response data and transmit the response signal to the transmission unit 435. Deactivate (or initialize) the RFID function of the RFID passbook / card.

5 is a diagram illustrating a functional configuration of a terminal having a second bankbook / card transaction reader according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates an RFID illustrated in FIG. 4 in a cash dispenser (CD) to an automatic teller machine (ATM) provided at a financial institution (eg, a commercial bank branch) or a public place. Having a second bankbook / card transaction reader using a bankbook / card as a second bankbook / card of the first bankbook / card, and then using the RFID bankbook / card as a second bankbook / card of the first bankbook / card To illustrate the functional configuration of a terminal for providing a financial transaction, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 5 to make a second passbook / card other than the CD / ATM. Various types of terminals (eg, kiosks, counter terminals, client terminals used by customers) having a trading leader may be inferred, but the present invention includes all the inferred implementation methods. , Only the exemplary method shown in the figure 5 is not limited that technical feature.

Hereinafter, in FIG. 5, a terminal having a second bankbook / card transaction reader using the RFID bankbook / card as a second bankbook / card of the first bankbook / card is referred to as a “financial terminal 500” for convenience.

Referring to FIG. 5, the financial terminal 500 recognizes an MS / IC card and displays a processing screen for each financial transaction step provided through the card reader unit 510 and the financial terminal 500. A screen output unit 520 for outputting, a key input unit 525 for receiving information corresponding to each financial transaction step, a communication unit 535 for communicating with the financial institution server 585 through a financial network, and the financial terminal ( A memory unit 555 for storing the at least one financial transaction processing information for the financial transaction processing, the financial transaction history information after the financial transaction, and a cash payment unit for paying cash for each financial transaction to the customer; 545, a power supply unit 530 for supplying power to the financial terminal 500, and a control unit 505 for controlling at least one terminal function unit 540 and each function component provided in the financial terminal 500. ) Is made, including the RFID barrel / The card is achieved by claim 1 having the RFID reader unit 515 corresponding to the account for the 2 / trading card reader for use with a second bank account / bank account associated with a card / card.

The control unit 505 controls the overall operation of the financial terminal 500 in the functional configuration, manages the flow of information or data between each component, the second passbook associated with the RFID passbook / card and the first passbook / card Control at least one or more components provided in the financial terminal 500 for a financial transaction used as a bankbook / card, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) in hardware And at least one processor, an execution memory (for example, a register) and a bus (BUS) for inputting and outputting data and at least one electronic circuit (or integrated circuit) therefor. Loading into the execution memory from the recording medium provided in the financial terminal 500 and performing calculation by the processor to perform a specific function. Characterized in that it comprises a program routine (Routine) and / or program data to be processed. In particular, the controller 505 includes an operating system and / or a terminal control program routine for managing the financial terminal 500 after the financial terminal 500 is booted in software. 5 shows at least one program component provided in the financial terminal 500 for a financial transaction using the RFID bankbook / card as a second bankbook / card associated with a first bankbook / card. It demonstrates and shows in 505. FIG.

The card reader unit 510 provides an interface between the card and the financial terminal 500 to read at least one or more information or data included in the card for at least one or more financial transactions. Interfacing MS reader interface with MS (Magnetic Stripe) card based on IEC 7810 standard with financial terminal 500, or contacting IC (Integrated Circuit) card based with ISO / IEC 7816 standard with financial terminal 500 The contact IC reader unit and / or the contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 500, wherein the contact IC reader unit and / or the contactless IC reader unit The unit preferably corresponds to the IC card reader provided in the financial terminal 500.

The MS reader unit is a card reader unit 510 based on ISO / IEC 7810, and includes at least one magnetic head including a coil, and includes information (eg, magnetized binary information). When the MS card moves in close contact with the magnetic head (or the magnetic head moves in close contact with the MS card on which information is recorded), an electric signal is loaded into the magnetic head to be included in the MS of the MS card. Information or data from at least one track (Track) is characterized in that the interface to the financial terminal 500.

The contact IC reader unit is a card reader unit 510 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. And supplying power to the IC chip of the IC card through the contact point, and transferring information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). 500).

The non-contact IC reader unit is a card reader unit 510 based on ISO / IEC 14443. At least one of the non-contact IC card may be in electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, supplies power to the IC chip of the IC card through the antenna, and transfers information or data from the IC chip through the half duplex transaction using an APDU. 500).

The RFID reader unit 515 is an RFID reader for transmitting and receiving radio frequency signals with the RFID passbook / card through an RFID air interface corresponding to the RFID passbook / card shown in FIG. 4, and wireless interface with the RFID passbook / card. And a second passbook / card transaction reader authentication information for recognizing the RFID reader as a second passbook / card transaction reader by the RFID passbook / card in the process. When the RFID reader is recognized as the second bankbook / card transaction reader in the card, the RFID bankbook / card receives the radio frequency signal transmitted by including the unique ID information, and receives the first radio frequency signal from the radio frequency signal. Check the unique ID information to be used as 2 bankbook / card associated with the bankbook / card, characterized in that the transfer to the control unit (505).

The screen output unit 520 is predefined or real-time to be output by the control unit 505 to the screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) in the financial terminal 500. Characterized in that it outputs at least one or more information or data that is defined, the key data, financial terminal (key inputted through the key input unit 525) to the information or data predefined to be output on the screen from the financial terminal 500 ( It includes information stored or generated by the components included in the 500, information transmitted and received through the communication unit 535, the data corresponding to the calculation result performed by the financial terminal 500.

According to the exemplary embodiment of the present invention, the screen output unit 520 may process the screen and / or the interface screen according to the financial transaction step of using the RFID passbook / card as a second passbook / card associated with the first passbook / card. Is preferably output to the screen output device.

The key input unit 525 includes a key having at least one key button including at least one numeric key and / or a character key and / or a function key. Information (or a signal) input from an input device is detected, and information is obtained from a key button provided in the key input device in a specific input mode and / or operation mode of the financial terminal 500 controlled by the controller 505. When a (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 505. Acquiring key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 500, and / or obtaining a command for executing a function defined by matching the key event. The features. The key input unit 525 and the key input device including at least one key button interwork with each other to perform a function of key input means provided in the financial terminal 500.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 525 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the method of the present invention, the key input unit 525 is a key input device using at least one or more information according to the financial transaction step of using the RFID passbook / card as a second passbook / card associated with the first passbook / card It is desirable to receive input from.

The communication unit 535 provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 500 and the external system of each financial system) provided in the financial terminal 500. And a network communication unit 535 and / or a cable communication port for providing transaction communication with a financial institution server 585 provided on a financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. (E.g., RS-232c, USB (Universal Serial Bus), etc.) cable communication unit 535 and / or infrared ray communication, RF (Radio Frequency) communication, Bluetooth ( A local area communication unit 535 providing transaction communication with a local area communication device through at least one local area wireless communication including BlueTooth, Wireless LAN, Wi-Fi, and Ultra Wide Band system (UWB). include And communication protocols and communication applications for providing transactional communication in software.

According to an embodiment of the present invention, the communication unit 535 connects the financial company server 585 and the RFID bankbook / card on the financial system with the first bankbook / card via a network through the network communication unit 535. It is preferable to connect a communication channel for processing a financial transaction using the second bank account / card.

The memory unit 555 is a storage medium that stores at least one or more information or data required for the control unit 505 to perform a control function. The memory unit 555 is electrically Erasable and Programmable Read Only Memory (EEPROM) and flash memory (FM). And at least one storage means including a hard disk drive (HDD) and a hard disk drive (HDD). The program routine and program data (eg, a program routine) required by the control unit 505 to perform a control function in software. Data to be input or output to perform this function).

According to an embodiment of the present invention, the memory unit 555 processes the financial transaction in which the financial terminal 500 uses the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card. It is preferable to store at least one financial transaction processing information used, or after the financial transaction processing using the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card, It is desirable to store financial transaction details.

The cash payment unit 545 is a financial transaction result corresponding to a card read through the card reader unit 510 from the financial system through the communication unit 535, the cash payment order (or cash payment approval to the financial transaction customer) Result) and, if received, cash (or cash requested by the financial transaction customer) corresponding to the cash payment instruction (or cash payment approval result) from the cash storage unit 550 provided in the financial terminal 500. Read out and pay the customer through the cash discharge unit (553).

The terminal function unit 540 is a component provided in the financial terminal 500 for the purpose and / or purpose and / or the components provided in the financial terminal 500 in addition to the components shown in FIG. It includes various additional function configurations according to the intention of those skilled in the art, such as a Secure Application Module (SAM) for financial transaction support and / or a print output unit for printing a receipt and / or a biometric recognition device for biometrics. It is done by Those skilled in the art to which the present invention pertains may easily understand each terminal function unit 540 provided according to the characteristics of the financial terminal 500, and thus a detailed description thereof will be omitted.

Referring to FIG. 5, the financial terminal 500 may include: a first bank / bank in which an operation mode of the financial terminal 500 processes a financial transaction using a first bank / card in an operation mode of the financial terminal 500. A mode checking unit 560 for checking whether the card is in a transaction mode or an RFID passbook / card transaction mode for processing a financial transaction using the RFID passbook / card as a second passbook / card associated with the first passbook / card; When the operation mode of the financial terminal 500 is determined to be a first bankbook / card transaction mode, an information reading unit 563 for reading first bankbook / card information from the first bankbook / card and the first bankbook Information input unit 573 to receive financial transaction information for processing a financial transaction through the card information / card information, and a professional generation unit 575 for generating a full text of the financial transaction request including the first account / card information and financial transaction information ) And the generated financial transaction request through the communication unit 535 Transmits a statement to a financial institution server 585, receives a financial transaction response message corresponding to the financial transaction request message from the financial company server 585, and displays the financial transaction details included in the received financial transaction response message; Characterized in that it comprises a specialized processing unit 580 to output through the output unit 520.

The mode checking unit 560 is the operation mode of the financial terminal 500 is a first passbook / card transaction mode for processing a financial transaction using a first passbook / card, or the first passbook / card to the RFID passbook / card Characterized in that it checks whether the RFID passbook / card transaction mode for processing the financial transactions used as the second passbook / card associated with the card.

According to the exemplary embodiment of the present invention, the mode checking unit 560 checks the transaction mode selected by the user among a plurality of operation modes on the basic screen of the financial terminal 500, thereby operating the mode of the financial terminal 500. Is a first bankbook / card transaction mode for processing a financial transaction using a first bankbook / card or a financial transaction that uses the RFID bankbook / card as a second bankbook / card associated with the first bankbook / card It is desirable to verify that the RFID passbook / card transaction mode is in effect.

According to another exemplary embodiment of the present invention, the mode checking unit 560 is configured to interface the first bankbook / card through the card reader unit 510 or the RFID bankbook / card through the RFID reader unit 515. Interface with the first bankbook / card or the first bankbook / card transaction mode for processing a financial transaction using the first bankbook / card or the RFID bankbook / card with the first bankbook / card. It is preferable to check whether the RFID bankbook / card transaction mode is used to process the financial transaction used as the linked second bankbook / card.

When the mode check unit 560 determines that the operation mode of the financial terminal 500 is the first bankbook / card transaction mode, the information reader 563 passes the first bank account through the card reader unit 510. And read out the first bank account / card information from the card.

If the first bankbook / card is an IC card or an electronic bankbook, the information reading unit 563 may perform a validation procedure of the first bankbook / card such as PIN authentication for the first bankbook / card to perform the first check. It is preferable to read the first bank account / card information from the one bank account / card.

The information input unit 573 inputs and processes financial transaction information corresponding to one or more financial transaction information items included in the financial transaction interface screen corresponding to the first bank / card transaction mode through the key input unit 525. It features.

When the first bankbook / card information read from the first bankbook / card is read through the information reader 563 and financial transaction information is input by the information input unit 573, the full text generation unit 575 And generating a financial transaction request message including the first bankbook / card information and financial transaction information, wherein the financial transaction request message includes financial terminal 500 address information corresponding to the financial terminal 500, Financial terminal 500 ID information, the financial terminal 500 manager (or operator) information, etc. preferably comprises one or more further.

When the financial transaction request message is generated, the specialized processor 580 transmits the generated financial transaction request message to the financial company server 585 through the communication unit 535 according to a predetermined financial transaction procedure. If the financial company server 585 transmits a financial transaction response message corresponding to the financial transaction request message, the financial transaction response message is received through the communication unit 535, and the financial transaction response message is transmitted to the received financial transaction response message. Characterized in that the financial transaction details are output through the screen output unit 520, and if the cash payment information is included in the financial transaction history, corresponding to the cash payment information through the cash payment unit 545 It is characterized by paying cash.

Referring to FIG. 5, when the financial terminal 500 confirms the RFID bank / card transaction mode of the financial terminal 500 by the mode verification unit 560, the second bank in the RFID bank / card is identified. An information reading unit 565 for reading the unique ID information sent from the RFID passbook / card through the RFID reader unit 515 recognized as a reader / card transaction, and the unique ID information associated with the first passbook / card An interface output unit 570 for outputting a second passbook / card use approval password input interface for inputting a second passbook / card use approval password for use as a second passbook / card, and the second passbook / card use approval The information input unit 573 for inputting a second passbook / card use approval password through a password input interface and the second passbook / card use approval password are inputted, and the unique ID information and the second passbook / card use approval password are entered. R containing A full text generation unit 575 for generating a full text of the FID bankbook / card use approval request, and transmits the generated RFID passbook / card use approval request text to the financial company server 585, and the RFID bankbook from the financial company server 585. Receives the RFID passbook / card use approval response message corresponding to the full message / card use approval request, and displays the RFID passbook / card use approval information included in the received RFID passbook / card use approval response message to the screen output unit 520 Characterized in that it comprises a specialized processing unit 580 to output through.

An RFID bankbook / card for processing a financial transaction in which the operation mode of the financial terminal 500 uses the RFID bankbook / card as a second bankbook / card associated with a first bankbook / card by the mode checking unit 560. When the information is confirmed in the transaction mode, the information reading unit 565 receives the first passbook / card from the RFID passbook / card through the RFID reader unit 515 recognized as the second passbook / card transaction reader in the RFID passbook / card. And unique ID information included in the transmitted radio frequency signal for use as a second bankbook / card associated with the card.

If the radio frequency signal further includes a passbook / card verification value for the RFID passbook / card, the information reading unit 565 preferably reads the unique ID information and the passbook / card verification value.

If the passbook / card verification value is read from the RFID passbook / card, and the second passbook / linked to the first passbook / card to the RFID passbook / card through the passbook / card verification value in the financial terminal 500 When authenticating with a card, the information reading unit 565 further performs a function of authenticating the RFID passbook / card with a second passbook / card associated with the first passbook / card by reading through the passbook / card verification value. It is desirable to.

When the unique ID information is read from the RFID bankbook / card through the information reading unit 565, the interface output unit 570 uses the unique ID information as a second bankbook / card associated with the first bankbook / card. And outputting a second passbook / card use approval password input interface for inputting a second passbook / card use approval password to the second passbook / card use approval password input interface. Characterized in that the second bank account / card use approval password input processing.

When the unique ID information is read from the RFID passbook / card and the second passbook / card use approval password is input through the second passbook / card use approval password input interface, the full text generation unit 575 generates the RFID passbook / card. Characterized in the RFID bank account / card usage approval request including the unique ID information and the second bank account / card authorization code read from the card is characterized in that for generating.

If the bankbook / card verification value is read from the RFID bankbook / card, and the bank account server 585 connects the RFID bankbook / card to the first bankbook / card through the bankbook / card verification value. When authenticating with a card, the full text generation unit 575 preferably further includes the passbook / card verification value in the full text of the RFID passbook / card use approval request.

When the RFID bankbook / card use approval request text is generated, the specialized processor 580 transmits the generated RFID bankbook / card use approval request text to the financial company server 585 through the communication unit 535, and the financial company When the server 585 transmits an RFID passbook / card use approval response message including RFID passbook / card use approval information corresponding to the entire RFID passbook / card use approval request message, the financial company server through the communication unit 535 ( 585) receives an RFID passbook / card use approval response message corresponding to the entire RFID passbook / card use approval request message, and reads the RFID passbook / card use approval information included in the received RFID passbook / card use approval response message. It is characterized in that the output through the screen output unit 520.

According to an embodiment of the present invention, the financial institution server 585 uses the unique ID information and the second passbook / card use approval password (or unique ID information and the second passbook / If the user approved the use of the RFID passbook / card recorded with the unique ID information as the second passbook / card associated with the first passbook / card, by further reading a card use approval password and the passbook / card verification value; The RFID passbook / card use approval information included in the entire RFID passbook / card use approval response includes the first passbook / card information associated with the second passbook / card (= RFID passbook / card), or the first passbook / card use approval information. It is preferable to include the disposable bankbook / card information associated with the card information.

On the other hand, if the financial institution server 585 does not approve the use of the RFID passbook / card recording the unique ID information as the second passbook / card associated with the first passbook / card, the RFID passbook / card approval approval response The RFID passbook / card use approval information included in the full text may include RFID passbook / card error information.

Referring to FIG. 5, the financial terminal 500 reads RFID passbook / card use approval information included in the entire RFID passbook / card use approval response and associates the RFID passbook / card with the first passbook / card. An information checking unit 583 that confirms that the use of the second passbook / card is approved, and if the use of the RFID passbook / card as the second passbook / card associated with the first passbook / card is approved, the second passbook An information input unit 573 that receives financial transaction information for processing a financial transaction through a credit card and a first bank account / card information (or disposable bank account / card) for using the RFID bank account / card as a second bank account / card Information), a full text generation unit 575 for generating a full text of the financial transaction request including financial transaction information, and the generated full financial transaction request text through the communication unit 535 to the financial company server 585, Financial transaction from financial institution server 585 And a professional processing unit 580 for receiving a financial transaction response message corresponding to the request text and outputting the financial transaction details included in the received financial transaction response message through the screen output unit 520. do.

When the RFID bankbook / card use approval response message including the RFID bankbook / card use approval information is received from the financial institution server 585 through the specialized processing unit 580, the information checking unit 583 may read the RFID bankbook / card. It is characterized by checking whether the use of the RFID passbook / card as the second passbook / card associated with the first passbook / card is read by reading the RFID passbook / card use approval information included in the entire card use approval response.

According to the method of the present invention, the information checking unit 583 is authorized to use the RFID passbook / card as a second passbook / card associated with the first passbook / card in the RFID passbook / card use approval information. A second passbook associated with the first passbook / card by checking whether the first passbook / card information (or disposable passbook / card information) is included or the RFID passbook / card error information is included. It is advisable to check that it is approved for use as a bankbook / card.

If it is confirmed by the information confirming unit 583 that the approved use of the RFID passbook / card as a second passbook / card associated with the first passbook / card, the information input unit 573 is the first passbook Input and process financial transaction information for processing a financial transaction through a second bankbook / card, such as a financial transaction process using a credit card / card, and the specialized generation unit 575 is configured to include information contained in the RFID bankbook / card approval information. 1 generates a banking transaction request message including bankbook / card information (or disposable bankbook / card information) and the input financial transaction information, and the specialized processing unit 580 generates the generated financial information through the communication unit 535. Transmits the transaction request message to the financial institution server 585, receives a financial transaction response message corresponding to the financial transaction request message from the financial company server 585, and includes a financial transaction included in the received financial transaction response message; Characterized in that the output through the screen output unit 520.

FIG. 6 illustrates a financial transaction system using an RFID passbook / card as a second passbook / card associated with a first passbook / card according to an embodiment of the present invention.

In more detail, FIG. 6 shows a customer having an RFID passbook / card issued including the RFID passbook / card configuration shown in FIG. 4 through the RFID passbook / card issue system shown in FIG. When the financial transaction is requested through the terminal having the illustrated second bankbook / card transaction reader, the financial institution server 600 approves the use of the RFID bankbook / card as the second bankbook / card associated with the first bankbook / card. After that, as a system configuration for processing a financial transaction requested through the RFID passbook / card, those of ordinary skill in the art to which the present invention belongs, with reference to and / or modified the present figure 6 the RFID passbook Various implementation methods for the financial transaction system configuration using / card as the second bankbook / card associated with the first bankbook / card may be inferred, but the present invention includes all the implementation methods inferred above, It shall not be limited to the exemplary method shown in figure 6.

Hereinafter, on the financial transaction system shown in FIG. 6, the RFID bankbook / card is approved as a second bankbook / card associated with the first bankbook / card to provide one or more means and / or functional configurations for providing financial transactions. For convenience, the component is referred to as a "financial company server 600".

Referring to FIG. 6 according to an embodiment of the present invention, a financial transaction system using the RFID bankbook / card as a second bankbook / card associated with a first bankbook / card, includes a second bankbook shown in FIG. A financial transaction terminal 640 having a reader for credit card transactions, a financial network connected to the financial transaction terminal 640 (eg, a party network, a CD common network), and the financial transaction terminal 640 through the financial network. The financial institution server 600 and the ledger D / B shown in FIG. 2 are connected to the bank account 600 to provide financial transactions by approving the use of the RFID passbook / card as a second passbook / card associated with the first passbook / card. Characterized in that it comprises a financial system provided.

According to an embodiment of the present invention, a customer holding an RFID passbook / card issued by the RFID passbook / card issue system shown in FIG. 4 through the RFID passbook / card issue system shown in FIG. Visit to create a transaction slip, interface the RFID passbook / card with a second passbook / card transaction reader connected to the teller terminal provided at the window, or a CD / reader with a second passbook / card transaction reader. By accessing an ATM and interfacing the RFID passbook / card with a second passbook / card transaction reader connected to a teller terminal provided at the window, the RFID passbook / card is transferred to the second passbook / card associated with the first passbook / card. It is advisable to request the financial transactions to be used.

Here, the financial transaction terminal 640 connected to the second bankbook / card transaction reader or having the second bankbook / card transaction reader is not limited to the window terminal or CD / ATM. And all terminal devices including the second bankbook / card transaction reader.

According to the present invention, the financial company server 600 is a generic term for the financial transaction system-side components connected to the financial transaction terminal 640 and the financial network, and includes at least one server (or device) or And / or at least one program recorded on a recording medium provided in the server (or apparatus), and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 600 may include an interface unit 605 for connecting and managing a communication channel with the financial transaction terminal 640 through the financial network.

According to an embodiment of the present invention, when the financial transaction terminal 640 is a window terminal (or CD / ATM) connected to a financial network (for example, a party network or a CD common network), the interface unit 605 may provide the financial information. The communication channel is connected to the teller terminal (or CD / ATM) based on the protocol stack defined in the network, and the communication protocol defined in the financial transaction related program included in the teller terminal (or CD / ATM) is used. It is preferable to connect a communication channel for processing a financial transaction using an RFID passbook / card as a second passbook / card associated with the first passbook / card.

Referring to FIG. 6, the financial institution server 600 may include the unique ID information and the second bankbook / card read from the RFID bankbook / card through the second bankbook / card transaction reader in the financial transaction terminal 640. When the full text of the RFID passbook / card use approval request including the use approval password is transmitted, the specialized receiving unit 610 (or a specialized receiving means, or the receiving unit, or the receiving unit) receives the full text of the RFID passbook / card use approval request through the interface unit 605. An RFID passbook / card for authenticating the second passbook / card use approval for the RFID passbook / card through an information receiving means) and a second passbook / card use approval password matching the unique ID information in association with the financial system; Authorization unit 620 (or RFID passbook / card authentication means), and when using the RFID passbook / card as a second passbook / card, the first passbook / card associated with the unique ID information in connection with the financial system Check the information An information checking / generating unit 625 (or information checking / generating means) for generating disposable bankbook / card information matching or matching with the first bankbook / card information, and the first bankbook / card information (or disposable) When the passbook / card information) is confirmed (or generated), an RFID passbook / card use approval response message including the first passbook / card information (or disposable passbook / card information) is generated to generate the full pass through the interface unit 605. Characterized in that it comprises a specialized transmission unit 615 (or specialized transmission means, or information transmission means) for transmitting to the financial transaction terminal 640.

The financial transaction terminal 640 having the second bankbook / card transaction reader shown in FIG. 5 reads unique ID information from the RFID bankbook / card shown in FIG. Authorization for use of a second passbook / card for use as a second passbook / card associated with a passbook / card After processing the passcode, the RFID passbook / card use approval including the unique ID information and the second passbook / card use passcode When the request message is transmitted, the message receiving unit 610 may receive the RFID bankbook / card use approval request message through the interface unit 605.

When the RFID bankbook / card use approval request message is received, the RFID bankbook / card authentication unit 620 is a second passbook / card use approval password matching the unique ID information included in the RFID bankbook / card use approval request message Check the second bankbook / card use approval password matching the unique ID information in association with the financial system, and check the second bankbook / card use approval password included in the RFID bankbook / card use approval request message. In comparison, the second passbook / card use authorization for the RFID passbook / card is characterized in that the authentication.

If the passbook / card verification value is included in the entire RFID passbook / card approval request, the passbook / card verification unit 620 verifies the passbook / card according to the verification procedure corresponding to the passbook / card verification value. It is further preferable to verify the value to authenticate the second passbook / card use authorization for the RFID passbook / card.

When the use of the RFID passbook / card is authorized by the RFID passbook / card authentication unit 620 for the second passbook / card, the information checking / generating unit 625 is connected to the financial system and the unique ID. The first bankbook / card information associated with the information may be checked, or one-time bankbook / card information matching the first bankbook / card information may be generated.

Here, the disposable bankbook / card information includes a temporary bankbook / card number according to the bankbook / card number system recognized by the banking system / card number, or a second bankbook / card for the RFID bankbook / card It is preferable to include the use approval number.

When the first bankbook / card information (or disposable bankbook / card information) is confirmed (or created) by the information checking / generating unit 625, the specialized transmission unit 615 may send the first bankbook / card information (or Generating an RFID passbook / card use approval response message including disposable passbook / card information) and transmitting the RFID passbook / card use approval response message to the financial transaction terminal 640 through the interface unit 605. It features.

Referring to FIG. 6, the financial institution server 600 transmits a full financial transaction request message including the first bank account / card information (or disposable bank account / card information) and financial transaction information from the financial transaction terminal 640. When the financial transaction request message is read, the professional receiver 610 (or a professional receiver, or information receiver) for receiving the financial transaction request message is read through the interface unit 605, and the validity of the financial transaction is read. Validation confirmation unit 630 (or validation means) to confirm and the financial transaction processing unit 635 (or financial transaction processing) for processing a financial transaction corresponding to the full text of the financial transaction request validated in association with the financial system Means) and a financial transaction response message for the financial transaction in association with the financial transaction processing unit 635 to transmit to the financial transaction terminal 640 through the interface unit 605. By having a specialized transmitting section 615 (transmitting means or Professional, or information transmission means), characterized in that formed.

After the first bank account / card information (or disposable bank account / card information) for using the RFID bank account / card as the first bank account / card is provided to the financial transaction terminal 640, the financial transaction terminal 640 provides the information. When the financial transaction request message including the first bankbook / card information (or disposable bankbook / card information) and financial transaction information is transmitted, the specialized receiver 610 transmits the financial transaction request message through the interface unit 605. It is characterized by receiving.

According to an embodiment of the present invention, the full text of the financial transaction request transmitted from the financial transaction terminal 640 to the financial company server 600 may include first bank / card information provided to the financial transaction terminal 640 (or one-time use). Bank / card information) and the financial transaction information input from the financial transaction terminal 640, and the financial transaction information preferably includes transaction amount information and transaction authentication information.

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. It is preferable to include a password, or a variety of passwords for the account associated with the first passbook / card, if the financial transaction terminal 640 provides a non-face-to-face financial transactions, non-face to face for online / wireless financial transactions It is preferable that the authentication information (eg, public certificate, OTP, security card, transaction password, etc.) is further included.

The validity checker 630 reads the first bank account / card information (or disposable bank account / card information) and financial transaction information included in the full text of the financial transaction request received from the financial transaction terminal 640 to request the financial transaction. It is characterized by checking the validity of financial transactions for the full text.

According to the implementation method of the present invention, the financial transaction validity confirmation for the financial transaction request message, the first bank account / card information (or disposable bank account / card information) included in the financial transaction request message is used the RFID bank account / card It is preferable to include a check whether the match with the first bank account / card information (or disposable bank account / card information) provided to the financial transaction terminal 640 through the authorization response.

In addition, the financial transaction validity verification for the full financial transaction request is sent to the account (or the first bank account / card information (or disposable bank account / card information) associated with the first bank account / card information (or disposable bank account / card information). And checking whether the balance of the corresponding first bank account / card) is greater than the transaction amount included in the financial transaction request text. If the account balance is greater than the transaction amount, the financial transaction It is desirable that the validity of the financial transaction for the entire request is certified.

In addition, the financial transaction validity confirmation for the financial transaction request message is associated with the account associated with the various passwords and the first bank account / card information (or one-time bank account / card information) corresponding to the transaction authentication information contained in the financial transaction request message Compare various passwords corresponding to the first bank account / card information (or the account associated with the first bank account / card corresponding to the first bank account / card information) or whether the various passwords corresponding to the transaction authentication information match. It is preferable to include a confirmation, and if the various passwords corresponding to the transaction authentication information is matched, it is preferable that the financial transaction validity for the full financial transaction request is authenticated.

When the validity of the financial transaction for the financial transaction request message is confirmed, the financial transaction processing unit 635 connects with the financial system to the first bank account / card information (or disposable bank account / card information) included in the financial transaction request message. Check the account ledger for the account (or account associated with the first bank account / card corresponding to the first bank account / card information (or one-time bank account / card information)), and the financial transaction information through the account ledger. Characterized in processing the financial transactions corresponding to the.

When the financial transaction is processed by the financial transaction processing unit 635, the specialized transmission unit 615 may be connected to the financial transaction processing unit 635 to display any one of financial transaction approval details or financial transaction error details for the financial transaction. The financial transaction processing history may be generated, and the financial transaction response message including the financial transaction processing history may be transmitted to the financial transaction terminal 640 in association with the interface unit 605.

In more detail, FIG. 7 illustrates the use of an RFID reader for transmitting a radio frequency signal from the RFID passbook / card shown in FIG. 4 as the second passbook / card associated with the first passbook / card. As a process for authenticating with a second bankbook / card transaction reader for a person having ordinary knowledge in the art to which the present invention pertains, the process of operating the RFID bankbook / card by referring to and / or modifying FIG. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, the RFID passbook / card shown in FIG. 4 reaches a frequency reach range of the RFID reader to supply power, and checks whether a radio frequency signal transmitted from the RFID reader is received (700).

If a radio frequency signal is received from the RFID reader (705), the RFID bankbook / card checks whether the second bankbook / card transaction reader authentication information is received through the radio frequency signal (710).

Herein, the data corresponding to the digital signal included in the radio frequency signal additionally transmitted from the RFID reader is verified in the second bank / card transaction reader verification information included in the bank / card control information stored in the memory unit. As data to be compared with a value, data matching the reader verification information for the second bankbook / card transaction or the verification value included in the reader verification information for the second bankbook / card transaction (eg, XOR operation, Or hash operation) to include data for generating a specific authentication value.

If the second bankbook / card transaction reader authentication information is not received (715), the RFID bankbook / card deactivates (or initializes) the RFID bankbook / card function (720), and unique ID information to the RFID reader. It does not send a response signal containing.

On the other hand, when the second bankbook / card transaction reader authentication information is received (715), the RFID bankbook / card reads the received second bankbook / card transaction reader authentication information and uses the RFID reader as the second bankbook / card. First authentication as a trading leader (725).

According to an embodiment of the present invention, the RFID bankbook / card is a second bankbook / card transaction reader identification signal or trigger signal included in (or added to) a radio frequency signal from the RFID reader, or modified in a radio interface standard. Confirm whether the second bank account / card transaction reader authentication information including the radio frequency signal is received, and when the second bank account / card transaction reader authentication information is received, the second bank account / card control information included in the bank account / card control information. Reader verification information for card transactions, or reader verification logic for second bank / card transactions (eg, second bank / card transactions included in (or added to) a radio frequency signal Reader identification signal or trigger signal, or a digital signal corresponding to a radio frequency signal modified from a radio interface standard) to transmit the radio frequency signal. That the RFID reader is authenticated that the second reader for a passbook / card transaction using the passbook RFID / card to the second account / bank account card of the first / card is preferred.

According to another exemplary embodiment of the present invention, the RFID passbook / card corresponds to a radio frequency signal additionally transmitted after transmitting a preset radio frequency signal from the RFID reader, or a digital signal included in the radio frequency signal additionally transmitted. Confirm whether the second bank account / card transaction reader authentication information including data is received; and when the second bank account / card transaction leader authentication information is received, the second bank account / card included in the bank account / card control information The second bank account / card transaction leader authentication information (for example, a radio frequency signal additionally transmitted after transmitting a preset radio frequency signal through the transaction verification data for verification, or the second bank / card transaction verification verification logic, or Digital scene corresponding to data corresponding to digital signal included in additionally transmitted radio frequency signal ), The analysis is preferably an RFID reader which transmits the radio frequency signal is authenticated that the second account / transaction card reader for RFID using the account / bank account card into a second / card of the first bank account / card.

Particularly, when the second bankbook / card transaction reader authentication information includes data corresponding to a digital signal included in an additionally transmitted radio frequency signal, the RFID bankbook / card may be included in the bankbook / card control information. 2 After extracting (or confirming) a verification value matching the received data from the bankbook / card transaction reader verification information, the RFID reader compares the received data with the verification value and analyzes the RFID bankbook / card. Authenticating whether the second bankbook / card transaction reader is used as the second bankbook / card of the first bankbook / card, or performing a preset operation (eg, an XOR operation or a hash operation) on the received data and the verification value. A second passbook / card by performing an operation to calculate an authentication value and analyzing the calculated authentication value to use the RFID passbook / card as a second passbook / card of the first passbook / card. It is desirable to verify that you are a trading leader.

According to another embodiment of the present invention, when the wireless interface standard used by the RFID passbook / card includes an RFID authentication standard for authenticating the RFID reader in an RFID tag, the RFID passbook / card is connected to the air interface standard. The RFID reader which reads the second bankbook / card transaction reader authentication information according to the included RFID authentication standard and sends the radio frequency signal uses the RFID bankbook / card as the second bankbook / card of the first bankbook / card. It is desirable to authenticate whether the second bank account / card transaction leader.

If the RFID reader is not authenticated as a second bankbook / card transaction reader (730), the RFID bankbook / card deactivates (or initializes) the RFID bankbook / card function (720), and a unique ID to the RFID reader. The response signal containing the information shall not be sent.

If the RFID reader is authenticated as the second bankbook / card transaction reader (730), the RFID bankbook / card constitutes response data including unique ID information (735).

According to the method of the present invention, the response data including the unique ID information includes, in addition to the unique ID information to be used as the second bankbook / card, the second bankbook / card transaction leader or the second bankbook / Authentication / authentication of the unique ID information (or RFID passbook / card recording the unique ID information) at a terminal connected with a terminal device equipped with a card transaction reader or a terminal device equipped with a second bank account / card transaction reader. Preferably, the bankbook / card verification value for verification is further included, and the bankbook / card verification value includes a key value generated in a predetermined random number form or is extracted from the reader verification information for the second bankbook / card transaction. (Or confirmed).

Thereafter, the RFID bankbook / card transmits a response signal corresponding to the response data to the second bankbook / card transaction reader (740).

8 is a view illustrating a process of approving the use of an RFID passbook / card as a second passbook / card according to an embodiment of the present invention.

More specifically, FIG. 8 shows unique ID information from the RFID passbook / card to a terminal having a second passbook / card transaction reader shown in FIG. 5 through the RIFD passbook / card operation process shown in FIG. If it is transmitted, after receiving the second passbook / card use approval password in the terminal, and transmits the unique ID information and the second passbook / card use approval password to the financial company server 600 to the second for the RFID passbook / card Regarding the process of authenticating the passbook / card approval, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 8 to convert the RFID passbook / card into a second passbook / card. Various implementation methods for the process of approving use may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, in FIG. 8, when the passbook / card verification value is further included and transmitted from the RFID passbook / card, the process of verifying the passbook / card verification value in the terminal will be omitted for convenience. It is by no means limited, and it will be apparent that it is possible to verify the bank / card verification value at the terminal according to the intention of the skilled person.

Referring to FIG. 8, when the unique ID information is transmitted from the RFID passbook / card through the RIFD passbook / card operation process shown in FIG. 7, the second passbook / card transaction reader is unique from the RFID passbook / card. In step 800, a response signal including ID information is received.

According to the embodiment of the present invention, the response signal may be further received by further including a passbook / card verification value for the RFID passbook / card, whereby the present invention is not limited.

If a response signal including the unique ID information is received (805), the second bank account / card transaction reader transmits the unique ID information to a terminal equipped with a second bank account / card transaction reader (810). In operation 815, the terminal outputs a second passbook / card use approval password input interface.

If the second passbook / card use approval password is input through the second passbook / card use approval password input interface (820), the terminal RFID identification including the unique ID information and the second passbook / card use approval password Generate a full text message / card use approval request (825), and transmits the full text of the RFID account / card use approval request to the financial institution server 600 (830).

If the bankbook / card verification value is further read from the RFID bankbook / card, the terminal preferably further includes the bankbook / card verification value in the entire RFID account / card approval request.

Thereafter, the financial institution server 600 receives the full text of the RFID passbook / card use approval request, and confirms the unique ID information and the second passbook / card use approval password included in the full RFID passbook / card use approval request message ( 835) confirming a second passbook / card use approval password matched with the unique ID information in connection with the financial system, and comparing with the second passbook / card use approval password included in the entire RFID passbook / card use approval request; By using the second passbook / card to authenticate the authorization of the passbook / card (840).

If the entire bankbook / card verification request is included in the RFID bankbook / card use approval request, the financial institution server 600 verifies the bankbook / card verification value according to a verification procedure corresponding to the bankbook / card verification value. It is further preferable to authenticate the second passbook / card use authorization for the RFID passbook / card.

If the second passbook / card use authorization for the RFID passbook / card is not authenticated (845), the financial institution server 600 provides a full text of the RFID passbook / card use approval response including the second passbook / card use error information Configure (850), and transmits the complete RFID passbook / card use approval response to the terminal (860).

On the other hand, if the second passbook / card use authorization for the RFID passbook / card is authenticated (845), the financial institution server 600 is linked to the financial system and the first passbook / card information associated with the unique ID information Check or generate a single passbook / card information matching the first passbook / card information, and complete the RFID passbook / card approval approval message including the first passbook / card information (or single passbook / card information). Configure (855), and transmits the containing RFID passbook / card use approval response message to the terminal (860).

Here, the disposable bankbook / card information includes a temporary bankbook / card number according to the bankbook / card number system recognized by the banking system / card number, or a second bankbook / card for the RFID bankbook / card It is preferable to include the authorization number.

In more detail, FIG. 9 illustrates a case in which an RFID passbook / card use approval response message is transmitted from the financial institution server 600 to the terminal through the RFID passbook / card use approval process shown in FIG. 8. When the financial transaction request message including the first bankbook / card information (or disposable bankbook / card information) and financial transaction information included in the bankbook / card approval approval message is generated and transmitted to the financial company server 600, the financial company A method for providing the financial transaction corresponding to the financial transaction information included in the received financial transaction request message in the server 600, which is a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying 9, various implementation methods for the process of processing financial transactions using the RFID passbook / card as a second passbook / card can be inferred. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, the terminal receives and reads an entire RFID passbook / card use approval response through the RFID passbook / card approval process shown in FIG. 8 to read the RFID passbook / card from the financial institution server 600. Check if it is approved for use as a second passbook / card (900).

If the RFID passbook / card is not approved for use as a second passbook / card (905), the terminal outputs second passbook / card use error information (910).

On the other hand, if the RFID passbook / card is approved for use as a second passbook / card (905), the terminal outputs a user interface for inputting financial transaction information, and whether financial transaction information is input (or selected) through the user interface. Confirm (915).

If the financial transaction information is input (or selected) (920), the terminal is a financial transaction including the first bank account / card information (or disposable bank account / card information) and the input (or selected) financial transaction information A request message is constructed and transmitted to the financial institution server 600 (925).

Thereafter, the financial company server 600 receives and reads the financial transaction request message to confirm the validity of the financial transaction for the financial transaction request message (930).

In addition, the financial transaction validity check for the full financial transaction request is the account associated with the first bank account / card information (or disposable bank account / card information) (or the first bank account / card information (or disposable bank account / card information) And checking whether the balance of the account associated with the first bankbook / card corresponding to is greater than the transaction amount included in the full text of the financial transaction request, and wherein the balance is greater than the transaction amount. It is desirable that the validity of the financial transaction for the full transaction request is certified.

In addition, the financial transaction validity confirmation for the financial transaction request message is associated with the account associated with the various passwords and the first bank account / card information (or one-time bank account / card information) corresponding to the transaction authentication information contained in the financial transaction request message Compare various passwords corresponding to the first bank account / card information (or the account associated with the first bank account / card corresponding to the first bank account / card information) or whether the various passwords corresponding to the transaction authentication information match. It is preferable to include a confirmation, and if the various passwords corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction for the entire financial transaction request is authenticated.

If the financial transaction validity for the financial transaction request message is not authenticated (935), the financial institution server 600 generates a financial transaction processing history including financial transaction error information corresponding to the validity error information (940). In operation 960, the financial transaction response message including the financial transaction processing history is transmitted to the terminal. In response, the terminal prints a financial transaction receipt including the financial transaction processing history (965).

On the other hand, if the validity of the financial transaction for the financial transaction request is authenticated (935), the financial institution server 600 is linked to the financial system, the first bank account / card information (or one-time bank account / included in the financial transaction request) Check the account ledger for the account (or account associated with the first bank account / card corresponding to the first bank account / card information (or disposable bank account / card information)) associated with the card account); A financial transaction corresponding to the financial transaction information is processed (945).

If the financial transaction corresponding to the full financial transaction request is processed (940), the financial company server 600 is a financial transaction processing history including any one of financial transaction approval information or financial transaction error information according to the financial transaction processing result Generate a financial transaction response message including the financial transaction processing history through the financial network to the terminal (960), and the terminal corresponding to the financial transaction including the financial transaction processing history; The receipt is printed out (965).

According to the present invention, the CD / ATM infrastructure, which is pre-built in the financial field, such as CD / ATM, CD common network and ledger system, is replaced with a part of the RFID infrastructure, and the RFID reader is provided on the CD / ATM, and a bankbook / card issuance is performed. Issuing an RFID passbook / card that is used as a second passbook / card of the first passbook / card to be issued, after the first to authenticate the RFID reader in the RFID passbook / card, the terminal equipped with the RFID reader Alternatively, the financial institution server may secondly authenticate the RFID passbook / card with the second passbook / card of the first passbook / card, thereby providing financial services to the user anytime and anywhere using a CD / ATM infrastructure without constructing an expensive RFID infrastructure. There is an advantage.

According to the present invention, a user is provided with a reader for a second bankbook / card transaction using the RFID bankbook / card as a second bankbook / card of the first bankbook / card in a terminal accessible to a financial system through a communication network. There is an advantage of providing a financial service anytime, anywhere using the RFID passbook / card.

Claims

Generating (or verifying) unique ID information to be assigned to a second bankbook / card associated with the first bankbook / card to be issued when the bankbook / card is issued;

Storing the unique ID information in a ledger by associating a second bankbook / card use authorization password and a first bankbook / card information for using the unique ID information as a second bankbook / card;

Issuing an RFID bankbook recording the unique ID information;

Firstly authenticating the reader as a second bankbook / card transaction reader in the RFID bankbook / card when the wireless interface is connected between the RFID bankbook and the reader;

Transmitting the unique ID information from the RFID passbook / card to the reader during the first authentication;

When the terminal equipped with the reader outputs a second passbook / card use approval password input interface, and the second passbook / card use approval password input via the second passbook / card use approval password input interface, the unique ID information And transmitting a second passbook / card use approval password to the financial institution server;

Secondly authenticating, at the financial institution server, a second passbook / card use approval for the RFID passbook / card through a second passbook / card use approval password matching the unique ID information in association with the ledger; And

In the second authentication, the financial institution server checks the first bankbook / card information from the ledger and provides the terminal to the terminal, or generates disposable bankbook / card information that matches the first bankbook / card information. Providing with; RFID passbook providing method comprising the.

The method of claim 1,

Receiving the first bank account / card information from the financial company server at the terminal; And

And outputting a financial transaction interface by considering the first bankbook / card information as the bankbook / card information read from the bankbook / card reader provided in the terminal. Way.

According to claim 1, wherein the RFID passbook / card,

An antenna unit connecting a reader and a wireless interface;

A receiving unit which receives reader authentication information for a second bankbook / card transaction from the reader through the air interface;

A reader authentication unit configured to read the second bankbook / card transaction reader authentication information and authenticate the reader as a second bankbook / card transaction reader;

When the second bankbook / card transaction reader is authenticated, unique ID information is extracted from a memory unit to form response data. If the second bankbook / card transaction reader is not authenticated, the RFID bankbook / card is deactivated ( Or initialization) bankbook / card control unit; And

And the transmission unit for transmitting the response data to the reader through the air interface when the response data is configured.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

When issuing a passbook / card, generating (or confirming) unique ID information to be given to a second passbook / card associated with the first passbook / card to be issued, and converting the unique ID information and the unique ID information into a second passbook / card. A bankbook / card issuing server that stores a second bankbook / card use approval password and a first bankbook / card information for use as a card in the ledger, and issues and processes an RFID bankbook recording the unique ID information;

An RFID passbook that first authenticates the reader as a second passbook / card transaction reader when the wireless interface is connected between the RFID passbook and the reader, and transmits unique ID information to the reader during the first authentication;

When the reader is provided with the second bankbook / card transaction reader and unique ID information is read from the RFID bankbook through the second bankbook / card transaction reader, the second bankbook / card use authorization password input interface is outputted. A terminal for transmitting the unique ID information and the second passbook / card use approval password when the second passbook / card use approval password is input through the second passbook / card use approval password input interface;

Receiving the unique ID information and the second passbook / card use approval password from the terminal, and through the second passbook / card use approval password matched with the unique ID information in association with the ledger for the RFID passbook / card 2 Second-time authentication of the passbook / card approval, and at the time of the second authentication, confirm the first passbook / card information from the ledger and provide it to the terminal, or a disposable passbook that matches the first passbook / card information And a financial institution server for generating card information and providing the card information to the terminal.