KR20100059759A - Mobile financial transaction method - Google Patents

Abstract

PURPOSE: A mobile financial transaction method is provided to perform the opening and closing of an electronic bankbook without storing or deleting an electronic bankbook to and from a wireless IC chip. CONSTITUTION: An information storage unit(630) stores frequently used account information to a host server(600). An information reception unit(610) receives a provision request of the account information frequently used in the financial transaction by using a financial IC chip. The host server extracts frequently used account information, and transmits the frequently used account information to the wireless terminal. The wireless terminal displays the frequently used account information on a screen thereof.

Description

Mobile Financial Transaction Method

The present invention includes storing account information frequently used by a customer in a predetermined information storage means on a host server, and providing account information frequently used by a customer in a financial transaction using a financial IC chip from a customer wireless terminal in a predetermined information receiving means. Receiving a request, and extracting the account information frequently used by the customer in the host server and transmitting to the wireless terminal for processing to be output on the screen.

Due to the development of information and communication technology in the financial industry, high financial security and the necessity of providing financial transaction services regardless of place and time, IC chip equipped with financial information and / or electronic account in a predetermined integrated IC Based wireless banking service has been commercialized, the preferred embodiment of the wireless IC chip for wireless banking based on the wireless IC chip is shown in FIG.

1 is a diagram illustrating a structure of an electronic bankbook (or financial information) based on a conventional wireless IC chip.

In general, since an electronic bank account (or financial information) can be used only at a financial institution with an account linked to the bank account, the electronic bank account (or financial information) structure of each financial company does not need to be compatible. The electronic bank account (or financial information) structure of each star may be slightly different from this drawing 1 according to the electronic bank account (or financial information) operation policy of each financial company.

Referring to FIG. 1, a wireless IC chip-based electronic bank account (or financial information) includes a customer information file corresponding to the customer's personal basic information in the electronic bank account (or financial information) area provided in the memory unit on the IC chip, and And a main account information file, and at least one sub account information file, wherein the main account information is an account opened mainly for the customer (e.g., an account initially opened to the customer). , Or an account with which a debit card is issued or an account with which salary is transferred), and the remaining accounts are subaccounts.

The customer information file includes a customer's English name (eg, ASCII name based English name), Korean name (eg KSC5601 based Korean name) and real name classification code (eg, social security number (0X1), business registration number (0X2), Passport number (0X3), alien registration number (0X4), etc.) and a real name number corresponding to the real name classification code.

The main account information file and the sub account information file may include a predetermined account status code (for example, a normal account (0X1), a termination account (0X2), a temporary suspension account (0X3), a transfer account (0X4), and an electronic money account (0X1)). Etc.) and TRACK III information (e.g., information corresponding to ISO 4909 standard including account number), account alias information corresponding to the alias of the account, and at least one transaction history information. It is made to include. Here, the account alias information is information given a predetermined alias for facilitating identification of each account because it is difficult for a customer to identify a plurality of accounts only by the account number.

In the conventional wireless IC chip-based electronic bank account (or financial information) as described above, the customer must have a wireless IC chip equipped with the electronic bank account (or financial information) to open the account except for the account for which the customer is first opened. Canceling at least one of the invariant of visiting (e.g., recording information related to the electronic bankbook (or financial information) newly opened on the wireless IC chip) and the electronic bankbook (or financial information) provided in the wireless IC chip. In order to carry out the inconvenience of having a wireless IC chip equipped with the electronic bank account (or financial information) and visiting the window (for example, deleting the electronic bank account (or financial information) related information to be canceled from the wireless IC chip).

In addition, since the account alias is defined only in the electronic bank account (or financial information) provided in the wireless IC chip, there is an inconvenience that cannot be confirmed when Internet banking, and in order to solve such inconveniences, There is another inconvenience of having to purchase a separate wireless IC chip reader for banking, and the financial company has a separate wireless IC chip-based Internet for processing financial transaction information read from the wireless IC chip through the wireless IC chip reader. There is an inconvenience to have a banking server.

2 is a diagram illustrating a conventional wireless IC chip-based financial transaction method.

In general, the IC chip-based electronic bank account (or financial information) operates based on the high security of the wireless IC chip. Therefore, after transaction inquiry, distance information input and transaction information processing occur between the wireless IC chip and the wireless terminal. In addition, the transaction history is made in a pre-transaction after synchronization method of synchronizing with the financial system opened the financial account associated with the bank account.

Referring to Figure 2, after the customer initiates a wireless IC chip-based electronic bank account (or financial information) transaction through the wireless banking hotkey and / or wireless banking menu provided in the wireless terminal, the electronic bank account (or financial information) Through the PIN (Personal Identification Number) corresponding to the provided wireless IC chip (for example, the customer inputs a predetermined PIN through a key input device provided in the wireless terminal) to the electronic bank account (or financial information). Certify validity.

If the validity of the electronic passbook (or financial information) is authenticated (and / or after the validity authentication is selected, the financial transaction through the electronic passbook (or financial information)), the wireless terminal is connected to the wireless IC chip. Request account information included in the account book (or financial information), and the wireless IC chip sends the plurality of information account information (e.g., account number of each account) included in the electronic account (or financial information) to the wireless terminal. Account aliases, balances, etc.).

Thereafter, the customer (or counter employee) selects a financial transaction target account from the plurality of accounts (eg, selects a financial transaction target account based on an account alias) through the wireless terminal, and corresponds to the selected financial transaction target account. When inputting predetermined financial transaction information (e.g., in case of wire transfer financial transaction, selecting a bank or other bank, entering a deposit account number, selecting a bank in which a deposit account is opened, etc.), the wireless terminal uses the wireless IC chip to perform the banking. Requesting account information for financial transactions for a transaction account, the wireless IC chip provides financial transaction account information for the financial transaction account to the financial terminal, and then the wireless terminal transmits an electronic bank account of the wireless IC chip ( Or a predetermined financial transaction text message including the financial transaction account information read out from the financial information) and the input financial transaction information, and generating the It transmits the financial transaction to a specialized bank server (e.g., ledger server) included in the computer system of the financial institution via the predetermined wireless network.

The financial company server processes a financial transaction corresponding to the financial transaction text in conjunction with a predetermined ledger D / B based on the received financial transaction text, and records the financial transaction details to be updated in the electronic account (or financial information). A transaction history message is generated and transmitted to the wireless terminal, wherein the transaction history message includes at least one or more financial transaction details (eg, a wireless IC chip) to be updated in an electronic bank account (or financial information) included in the wireless IC chip. If the provided electronic bank account (or financial information) may include 20 transaction details information, the last 20 financial transaction details) may be included.

The wireless terminal generates predetermined transaction history update information updated in an electronic bank account (or financial information) provided in the wireless IC chip based on the received transaction history full text, and converts the generated transaction history update information into the wireless transaction. By updating the transaction history information of the electronic bank account (or financial information) included in the IC chip, the financial transaction using the wireless IC chip-based electronic bank account (or financial information) is completed.

In the above-described post-transaction synchronization IC based electronic bankbook (or financial information) transaction method, the customer of any one of the electronic bankbook (or financial information) provided in the wireless IC chip through the Internet banking. Perform an electronic transaction (or financial information) of any one of the electronic account (or financial information) provided in the wireless IC chip from another account and / or perform a financial transaction through an account associated with the electronic bank account (or financial information) When a predetermined amount is transferred to the account associated with the bank account and the deposit is made, the balance of the account recorded in the ledger D / B and the electronics of the wireless IC chip at the time when the wireless IC chip-based electronic bank account (or financial information) financial transaction occurs There is a problem that the account balance recorded in the account book (or financial information) is different from each other, thereby, the predetermined financial transaction for the first financial transaction through the wireless IC chip-based electronic bank account (or financial information) If a problem occurs and synchronizes the information recorded in the ledger D / B and the information recorded in the electronic bank account (or financial information) of the wireless IC chip, the inconvenience that the re-transaction procedure should be performed, Accordingly, the wireless IC chip-based electronic bank account (or financial information) transactions include a problem that can cause a fatal error.

An object of the present invention is to store the account information frequently used by the customer in the predetermined information storage means on the host server, and frequently used by the customer in the financial transaction using the financial IC chip from the customer wireless terminal in the predetermined information receiving means. Receiving a request for providing account information, and extracting the account information frequently used by the customer in the host server to transmit to the wireless terminal for processing to be output on the screen to provide a mobile financial transaction method.

The mobile financial transaction method according to the present invention includes storing account information frequently used by a customer in a predetermined information storage means on a host server, and during a financial transaction using a financial IC chip from a customer wireless terminal in a predetermined information receiving means. Receiving a request for providing account information frequently used by a customer, and extracting account information frequently used by the customer from the host server, and transmitting the extracted account information to the wireless terminal for output on the screen.

According to the present invention, when issuing and / or canceling an electronic bankbook on a wireless IC chip mounted or detached from a wireless terminal, the electronic bankbook is stored without visiting, and / or deleting the electronic bankbook in the wireless IC chip. There is an advantage of opening and / or canceling an account, and thus, two steps of 'New Account-Wireless IC Chip Storage' (Account Termination-Wireless IC Chip Deletion) have been shortened to one of 'New Account (Account Termination)'. do.

According to the present invention, there is a possibility that the account information and / or financial transaction details may be different from each other between the ledger and the electronic bankbook caused by the new establishment and / or conversion of the electronic bankbook and the storage of the wireless IC chip separately. There is an advantage to containment.

According to the present invention, deposit account information for wire transfer (or wire transfer) transactions registered through the wireless IC chip-based wireless banking system can be transferred to an internet banking system, a counter terminal banking system, and / or a CD / ATM banking system. And / or a telebanking system, and / or a WAP-based wireless banking system, and / or a TV banking system.

According to the present invention, certain internet banking systems, and / or teller terminal banking systems, and / or CD / ATM banking systems, and / or telebanking systems, and / or WAP-based wireless banking systems, and / or TV banking systems There is an advantage in that the deposit account information for the account transfer (or transfer) transaction registered in another banking system including at least one or more can be used in the wireless IC chip-based wireless banking system.

1 is a diagram illustrating a structure of an electronic bankbook (or financial information) based on a conventional wireless IC chip.
2 is a diagram illustrating a conventional wireless IC chip-based financial transaction method.
3 is a diagram illustrating a financial system for issuing and operating an electronic bank account (or financial information) with a wireless IC chip according to an embodiment of the present invention.
4A, 4B, and 4C are diagrams illustrating a ledger information structure including an electronic bank account identifier according to an embodiment of the present invention.
5A and 5B illustrate a ledger information structure according to an embodiment of the present invention.
6 is a diagram illustrating a system for issuing and registering information based on an electronic ledger according to an embodiment of the present invention.
7A and 7B are diagrams illustrating ledger-based electronic account storage information according to an embodiment of the present invention.
8A and 8B illustrate a process of issuing a ledger-based electronic bank account according to an embodiment of the present invention.
9 is a diagram illustrating a process of issuing a ledger-based electronic bank account according to another embodiment of the present invention.
10 is a diagram illustrating a ledger-based electronic bank account operating system according to an embodiment of the present invention.
11 is a diagram illustrating the configuration of a wireless terminal function for operating the ledger-based electronic bank account in accordance with an embodiment of the present invention.
12 is a diagram illustrating an operation process of a wireless terminal for financial transactions using an ledger-based electronic bank account according to an embodiment of the present invention.
FIG. 13 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based electronic passbook according to an embodiment of the present invention.
14 is a diagram illustrating an operation process of a wireless terminal for financial transaction processing using a ledger-based electronic bank account according to an embodiment of the present invention.
15 is a diagram illustrating an operation process of a ledger server for financial transactions using a ledger-based electronic bank account according to an embodiment of the present invention.
16 is a diagram illustrating an operation process of a wireless terminal for completing a financial transaction using a ledger-based electronic bank account according to an embodiment of the present invention.
17A and 17B illustrate an information structure in which deposit account information is linked to a ledger provided in a DBMS on a financial system according to an embodiment of the present invention.
18A and 18B illustrate an information structure in which customer information (or customer account information) and deposit account information are linked to and processed by a storage medium provided in a DBMS on a financial system according to an embodiment of the present invention.
19 is a view showing a preferred configuration of the Internet banking system for registering the deposit account information in accordance with an embodiment of the present invention.
20 is a diagram illustrating a process of transferring and registering deposit account information registered in an internet banking system to a ledger D / B on a financial system according to an embodiment of the present invention.
21 is a diagram showing a deposit account information providing and registration system according to an embodiment of the present invention.
22 is a diagram illustrating an operation process of a wireless terminal for initiating a financial transaction according to one embodiment of the present invention.
23A and 23B illustrate an operation process of a ledger server that processes a financial transaction according to an embodiment of the present invention.
24 is a diagram illustrating an operation of a wireless terminal for registering deposit account information during a financial transaction according to an embodiment of the present invention.
25 is a diagram illustrating an operation process of a ledger server for registering deposit account information during a financial transaction according to an embodiment of the present invention.
26 is a diagram illustrating a deposit account information providing and registering system according to an exemplary embodiment of the present invention.
FIG. 27 is a diagram illustrating a functional configuration of a wireless terminal for processing deposit account information in association with ledger information and storing the deposit account information according to an embodiment of the present invention.
28 is a flowchart illustrating an operation of a wireless terminal for initiating a financial transaction according to another exemplary embodiment of the present invention.
29 is a diagram illustrating an operation process of a ledger server for processing a financial transaction according to another embodiment of the present invention.
30 is a diagram illustrating an operation process of a wireless terminal processing to register deposit account information during a financial transaction according to another embodiment of the present invention.
31 is a diagram illustrating an operation process of a ledger server for processing a financial transaction according to another embodiment of the present invention.
32 is a diagram illustrating an operation process of a wireless terminal processed to register deposit account information during a financial transaction according to another embodiment of the present invention.
33A, 33B, 33C, and 33D illustrate deposit account information provided in a wireless IC chip according to an embodiment of the present invention.
FIG. 34 is a flowchart illustrating an operation of a wireless terminal processing to register deposit account information during a wireless IC chip-based financial transaction according to an embodiment of the present invention.
FIG. 35 is a flowchart illustrating an operation of a wireless terminal processing to register deposit account information during a wireless IC chip-based financial transaction according to another embodiment of the present invention.
FIG. 36 is a flowchart illustrating an operation of a wireless terminal processing to register deposit account information during a wireless IC chip-based financial transaction according to another embodiment of the present invention.

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 the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

3 is a diagram illustrating a financial system 300 for issuing and operating an electronic bank account (or financial information) with a wireless IC chip according to an embodiment of the present invention.

In more detail, Figure 3 relates to a method of implementing the financial system 300 for issuing and operating an electronic account (or financial information) operating based on the ledger provided on the financial system 300, the present invention Those skilled in the art will be able to infer various financial systems 300 for issuing and operating an electronic bank account operating on the basis of the ledger by referring to and / or modifying this drawing. The invention encompasses all of the inferred implementation methods and is not limited to the financial system 300 shown in FIG.

Hereinafter, the electronic bankbook (or financial information) that operates based on the ledger provided on the financial system 300 according to the present invention and is associated with the wireless IC chip provided in the wireless terminal is referred to as "electronic bank account" for convenience.

Referring to FIG. 3, the financial system 300 is a computer system provided in a predetermined financial institution to open at least one financial account to at least one or more customers, and to process financial transactions based on the financial account. Accounting system 310 for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch, and an information system 315 for processing the headquarters business and supporting branch information and managing customer information; By connecting with the external computer network including the financial system 300, homes, businesses, stores and card companies, various electronic financial services (for example, Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), other exchanges , An external system 305 that provides call centers, financial settlements, and the like, and middleware that provides interfacing between components in the financial system 300. The interface module 320 corresponding to the platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system 300. It includes a DBMS 325 (Database Management System) including at least one database for storing and managing), and the intention of the person skilled in the art and / or the type of each financial institution (e.g. commercial banks, savings banks, trust banks) And at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), and international module (not shown), depending on the purpose and characteristics of the financial system 300. It is possible, and the invention is not limited thereby.

According to the implementation method of the present invention, a financial institution equipped with the financial system 300 has a predetermined financial account, such as a commercial bank, a savings bank, a securities company, is opened and / or operated, and issues a predetermined electronic bankbook corresponding thereto. It is preferable to include all financial companies that can be done, and is not limited to specific financial institutions.

According to the present invention, the DBMS 325 provided in the financial system 300 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a collateral ledger, and at least one information associated with the ledger. And storing and storing the ledger information on the DBMS 325 by referring to the ledger and / or ledger related information stored in the DBMS 325 for convenience. Ledger D / B (635).

According to the implementation method of the present invention, it is preferable that a financial account of a customer is opened in the financial system 300, and a predetermined bank account is issued to the customer in order to manage the financial account. It is transferred from the paper bankbook to the electronic bankbook as shown in FIG.

In addition, the financial system 300 is connected to a predetermined wireless communication network through a predetermined dedicated network (for example, a dedicated communication network connecting the gateway of the financial system 300 and a wireless communication network), the wireless communication network is CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.1x based high-speed wireless Internet communication network, and / or DataTAC / Mobitex-based wireless data communication network comprises at least one or more.

The wireless communication network is characterized by having a predetermined gateway for connecting to the financial system 300 through a predetermined dedicated network, the gateway is a communication protocol defined on the wireless communication network and the communication defined on the dedicated network Provide protocol compatibility between protocols (e.g., when the wireless communication network is a mobile communication network and the dedicated network is a TCP / IP based communication network, the gateway provides protocol compatibility function between the CDMA based communication protocol and the TCP / IP based communication protocol). And it is characterized in that for performing the function of blocking the access to the financial system 300 inappropriately in the wireless communication network.

The wireless terminal connected to the wireless communication network is characterized in that the mounting or detachment of a predetermined wireless IC chip, CDMA-based mobile communication terminal, and / or IEEE 802.1x-based portable Internet terminal, and / or DataTAC / Mobitex-based wireless Characterized in that it comprises at least one or more of the data communication terminal.

The wireless IC chip may include at least a contact IC chip standard such as ISO / IEC 7816, and / or a non-contact IC chip standard such as ISO / IEC 14443, and / or a financial IC chip standard such as EMB (Europay, Master, VISA). And / or a subscriber identity module (SIM), a universal identification module (UIM), and a universal subscriber identity module (USIM) for mounting or detaching the wireless IC chip to or from the wireless terminal. Characterized in that it comprises at least one wireless IC chip standard.

According to an embodiment of the present invention, the wireless IC chip is characterized in that it comprises at least one or more electronic bank account identification information and / or wireless IC chip unique information in order to be associated with the ledger-based electronic bank account, and Alternatively, according to an implementation method, a conventional electronic bank account as shown in FIG. 1 may be provided, and / or the electronic bank account may be replaced with the electronic bank account confirmation information, and / or the electronic bank account may be omitted. The invention is not limited.

4A, 4B, and 4C illustrate a ledger information structure including an electronic bank account identifier according to an embodiment of the present invention.

In more detail, FIGS. 4A, 4B, and 4C are at least one ledger included in the ledger D / B 635 included in the DBMS 325 on the financial system 300 shown in FIG. An information structure having a predetermined electronic bank account identifier for providing the ledger-based electronic bank account service according to the present invention to predetermined information associated with the ledger is illustrated. Specifically, FIG. 4A shows the structure of the ledger D / B 635. The present invention relates to a method of implementing a ledger-based electronic accounting service according to the present invention to a customer ledger, and FIG. 4b illustrates a reception ledger associated with the customer ledger of the ledger D / B 635. (Hereinafter referred to as “account ledger”), the present invention relates to an implementation method having a predetermined electronic bank account identifier for providing a ledger-based electronic bank account service according to the present invention, and FIG. 4C is an account ledger of the ledger D / B 635. Associated with In the definition account management information for providing a service ledger based electronic bankbook according to the present invention is for a method embodiment that includes the electronic bank account identifier.

Those of ordinary skill in the art to which the present invention pertains, the ledger D / B 635 provided in the DBMS 325 on the financial system 300, the customer shown in Figures 4a and 4b and 4c Obviously, in addition to the ledger and the ledger, at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers are further included. It will be understood, and the specific technical matters will be understood, so a detailed description thereof will be omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present drawings 4a, 4b and 4c without departing from the essential technical matters of the present invention. Various implementation methods for providing the ledger-based electronic bank account service according to the present invention may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 4A, 4B, and 4C. No.

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

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

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

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

Referring to Figure 4a, in order to provide a ledger-based electronic bank account service according to the present invention, characterized in that the customer ledger has a predetermined electronic bank account identifier, the electronic bank account identifier on the ledger D / B (635) It is preferable to be associated with the electronic bank account information shown in FIGS. 5A and / or 5B.

According to one embodiment of the present invention, the electronic bank account identifier is an electronic bank account issuance confirmation flag (for example, to the customer corresponding to the customer ledger to identify whether the customer-based electronic bank account according to the present invention has been issued to the customer) If the ledger-based electronic passbook according to the present invention is issued, TRUE.If the ledger-based electronic passbook according to the present invention is not issued, it is preferable to include the FALSE), thereby making a financial transaction through the ledger-based electronic passbook according to the present invention. When a full text matched with the customer ledger is received from a predetermined wireless terminal providing a financial transaction through the electronic bankbook, the ledger-based electronic bankbook according to the present invention is issued to the corresponding customer through the electronic bankbook issuance confirmation flag. You can easily check if the

According to another exemplary embodiment of the present invention, the electronic bank account identifier may include wireless IC chip unique information associated with the electronic bank account, thereby making the financial transaction through the ledger-based electronic bank account according to the present invention. When a full-text message including the wireless IC chip unique information is received from a predetermined wireless terminal providing a financial transaction through an electronic bank account, the wireless IC chip issued to the customer based on the wireless IC chip unique information is the ledger according to the present invention. It can be easily confirmed that it is linked with the base electronic account.

Here, the unique information of the wireless IC chip may include a chip serial number of the wireless IC chip associated with the electronic passbook, or may include at least one key value (or hash code) included in the wireless IC chip. The present invention is not limited thereto.

If a predetermined official certificate is provided in addition to the electronic bankbook in the wireless IC chip, the unique information of the wireless IC chip may include the public certificate copy number and / or public key copy information included in the public certificate. If the wireless IC chip is provided with a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) in addition to the electronic bankbook, the wireless IC chip unique information may be the card information (for example, Credit card information, check card information, debit card information, cash card information, etc.), and at least one biometric information for the customer is provided on the wireless IC chip. It is possible to include the biometric information of the customer, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the wireless IC chip may be provided with predetermined electronic bank account identification information for identifying that the ledger-based electronic bank account according to the present invention is associated with the wireless IC chip. The electronic bank account identifier may include the electronic bank account identification information provided in the wireless IC chip associated with the electronic bank account.

For example, the electronic bank account confirmation information may include a predetermined serial number (or electronic bank account ID number) uniquely assigned so as not to be duplicated, and thus the present invention is not limited thereto.

Referring to Figure 4b, in order to provide a ledger-based electronic bank account service according to the present invention, the account ledger associated with the customer ledger is provided with a predetermined electronic bank account identifier, the electronic bank account identifier is the ledger D / On B 635, it is preferably associated with the electronic bankbook information shown in FIGS. 5A and / or 5B.

According to one embodiment of the invention, the electronic bank account identifier is an electronic bank account issuance confirmation flag (for example, the electronic bank account issued to the customer to the account ledger to identify whether the customer-based electronic bank account according to the present invention has been issued TRUE, if the financial account corresponding to the TRUE.FALSE, if the financial account corresponding to the account ledger is not included in the electronic bankbook issued to the customer, thereby, according to the present invention In the case of a financial transaction through the ledger-based electronic bankbook, when a full message including the financial account information corresponding to the account ledger is received from a predetermined wireless terminal, the ledger-based according to the present invention to the corresponding customer through the electronic bankbook issuance confirmation flag It is easy to check whether an electronic bank account has been issued.

According to another exemplary embodiment of the present invention, the electronic bank account identifier may include unique information of the wireless IC chip associated with the electronic bank account, whereby the financial transaction through the ledger-based electronic bank account according to the present invention, When a full-text message including the wireless IC chip unique information is received from a predetermined wireless terminal, the wireless IC chip issued to the customer based on the wireless IC chip unique information is associated with the ledger-based electronic bank account according to the present invention. It can be easily confirmed.

Here, the unique information of the wireless IC chip may include a chip serial number of the wireless IC chip associated with the electronic passbook, or may include at least one key value (or hash code) included in the wireless IC chip. The present invention is not limited thereto.

If a predetermined official certificate is provided in addition to the electronic bankbook in the wireless IC chip, the unique information of the wireless IC chip may include the public certificate copy number and / or public key copy information included in the public certificate. If the wireless IC chip is provided with a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) in addition to the electronic bankbook, the wireless IC chip unique information may be the card information (for example, Credit card information, check card information, debit card information, cash card information, etc.), and at least one biometric information for the customer is provided on the wireless IC chip. It is possible to include the biometric information of the customer, whereby the present invention is not limited.

According to another embodiment of the present invention, the wireless IC chip may be provided with predetermined electronic passbook identification information for identifying that the ledger-based electronic passbook according to the present invention is associated with the wireless IC chip. In this case, the electronic bank account identifier may include the electronic bank account identification information provided in the wireless IC chip associated with the electronic bank account.

For example, the electronic bank account confirmation information may include a predetermined serial number (or electronic bank account ID number) uniquely assigned so as not to be duplicated, and thus the present invention is not limited thereto.

Referring to FIG. 4B, the account ledger preferably further includes a predetermined account alias for the corresponding financial account. When the account alias is included in the predetermined electronic bank account information associated with the electronic bank account identifier, The account alias may be omitted from the account ledger, and the present invention is not limited thereto.

Referring to Figure 4c, in order to provide a ledger-based electronic bank account service according to the present invention, a predetermined electronic bank account identifier is provided in predetermined bankbook management information linked to the account ledger, the electronic bank account identifier Is preferably associated with the electronic bankbook information shown in FIGS. 5A and / or 5B on the ledger D / B 635.

In FIG. 4C, the bank account management information basically includes at least one or more of an account number, a CIF number, a bank account number, an issue date, and a bank account balance, and a predetermined electronic bank account identifier is preferably provided in the information structure. .

According to another exemplary embodiment of the present invention, the predetermined bankbook management information linked to the account ledger may include only the electronic bankbook identifier without the account number, CIF number, bank account number, issue date, and bank account balance being omitted. The present invention is not limited thereto.

According to one embodiment of the invention, the electronic bank account identifier is an electronic bank account issuance confirmation flag (for example, the electronic bank account issued to the customer to the account ledger to identify whether the customer-based electronic bank account according to the present invention has been issued TRUE, if the financial account corresponding to the TRUE.FALSE, if the financial account corresponding to the account ledger is not included in the electronic bankbook issued to the customer, thereby, according to the present invention In the case of a financial transaction through the ledger-based electronic bankbook, when a full message including the financial account information corresponding to the account ledger is received from a predetermined wireless terminal, the ledger-based according to the present invention to the corresponding customer through the electronic bankbook issuance confirmation flag It is easy to check whether an electronic bank account has been issued.

According to another exemplary embodiment of the present invention, the electronic bank account identifier may include unique information of the wireless IC chip associated with the electronic bank account, and thus, during a financial transaction through the ledger-based electronic bank account according to the present invention, In the case where a full message including the unique information of the wireless IC chip is received from the wireless terminal, the wireless IC chip issued to the customer based on the unique information of the wireless IC chip is associated with the ledger-based electronic bank account according to the present invention. It can be easily confirmed.

Here, the unique information of the wireless IC chip may include a chip serial number of the wireless IC chip associated with the electronic passbook, or may include at least one key value (or hash code) included in the wireless IC chip. The present invention is not limited thereto.

If a predetermined official certificate is provided in addition to the electronic bankbook in the wireless IC chip, the unique information of the wireless IC chip may include the public certificate copy number and / or public key copy information included in the public certificate. If the wireless IC chip is provided with a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) in addition to the electronic bankbook, the wireless IC chip unique information may be the card information (for example, Credit card information, check card information, debit card information, cash card information, etc.), and at least one biometric information for the customer is provided on the wireless IC chip. It is possible to include the biometric information of the customer, whereby the present invention is not limited.

According to another embodiment of the present invention, the wireless IC chip may be provided with predetermined electronic passbook identification information for identifying that the ledger-based electronic passbook according to the present invention is associated with the wireless IC chip. In this case, the electronic bank account identifier may include the electronic bank account identification information provided in the wireless IC chip associated with the electronic bank account.

For example, the electronic bank account confirmation information may include a predetermined serial number (or electronic bank account ID number) uniquely assigned so as not to be duplicated, and thus the present invention is not limited thereto.

Referring to FIG. 4C, it is preferable that the predetermined bankbook management information previously linked to the account ledger further includes a predetermined account alias for the corresponding financial account, wherein the account alias is associated with the electronic bank account identifier. When included in the predetermined electronic bank account information, the account alias may be omitted in the account ledger, and thus the present invention is not limited thereto.

5A and 5B illustrate a ledger information structure according to an embodiment of the present invention.

In more detail, FIGS. 5A and 5B are associated with at least one ledger and / or the ledger included in the ledger D / B 635 included in the DBMS 325 on the financial system 300 shown in FIG. As shown in FIG. 5a, an electronic bankbook included in the customer ledger illustrated in FIG. 4a is a diagram illustrating an information structure in which the electronic bankbook information for providing the ledger-based electronic bankbook service according to the present invention is linked to the predetermined information. The present invention relates to an implementation method in which predetermined electronic bank account information for providing an ledger-based electronic bank account service according to the present invention is linked to an identifier, and FIG. 5b is based on the electronic bank account identifier included in the account ledger shown in FIG. 4b. The present invention relates to an implementation method in which predetermined electronic bank account information for providing an ledger-based electronic bank account service according to the present invention is cooperatively processed.

Those skilled in the art to which the present invention pertains, the ledger D / B 635 provided in the DBMS 325 on the financial system 300, the customer ledger and account shown in Figures 5a and 5b It will be apparent that in addition to the ledger, there is further included at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers, In addition, since it will be familiar with the specific technical matters, a detailed description thereof will be omitted for convenience.

In addition, those skilled in the art to which the present invention pertains, based on the ledger according to the present invention by referring to and / or modified the drawings 5a and 5b without departing from the essential technical matters of the present invention Various implementation methods for providing an electronic bank account service may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

5A and 5B, the customer ledger includes a CIF number, a country code, a contact person ID, a branch number, a customer classification, a customer name, a customer address, an area classification code, a phone number, a business number, a trade name, a classification code, and a validity. Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Resident Registration Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number . Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

Referring to FIG. 5A, in order to provide a ledger-based electronic bank account service according to the present invention, the predetermined electronic bank account identifier provided in the customer ledger and the predetermined electronic bank account information are linked to each other. Wireless IC chip unique information, CIF number, electronic bankbook first issue date, bank account number, the number of electronic bankbook, and at least one account number corresponding to the number of the electronic bankbook, account alias and account balance, etc., preferably The unique information of the wireless IC chip may be replaced by the electronic bank confirmation information provided in the wireless IC chip according to the implementation method, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, it is preferable that the account number, account alias, and account balance included in the electronic bank account information are included at least one or more as many as the electronic bank account number.

For example, if the number of electronic bankbooks is five, the electronic bankbook information may include five account numbers, account aliases, and a bank account balance.

However, the electronic bankbook information that is linked to the customer ledger is not limited to the information structure shown in FIG. 5A, and some information structures are omitted (for example, the number of electronic bankbooks) or predetermined according to the intention of the skilled person. An information structure (eg, recent transaction history) may be added, and the present invention is not limited thereto.

The account alias included in the electronic bank account information is character information (eg, English ASCII code, Korean KSC5601 code-based characters) that can identify the financial account in addition to the account number, whereby the ledger-based electronic bank account according to the present invention. During a financial transaction (for example, a financial transaction using a wireless terminal), a predetermined financial transaction financial account among a plurality of financial accounts corresponding to the electronic account can be easily identified through the account alias.

Referring to FIG. 5B, in order to provide a ledger-based electronic bank account service according to the present invention, a predetermined electronic bank account identifier provided in the account ledger shown in FIG. Preferably, the electronic bankbook information includes at least one or more wireless IC chip unique information, account number, CIF number, bank account number, electronic bankbook first issue date, account alias, and the wireless IC chip unique information according to the implementation method It may be replaced by the electronic bank confirmation information provided in the wireless IC chip, thereby not limited to the present invention.

However, the electronic bankbook information linked to the account ledger is not limited to only the information structure shown in FIG. 5B, and some information configurations may be omitted or some information configurations may be added according to the intention of the skilled person. For example, recent transactions), whereby the present invention is not limited.

* The account alias included in the electronic bank account information is character information (eg, English ASCII code, Korean KSC5601 code-based characters) that can identify the financial account in addition to the account number, whereby the ledger-based electronics according to the present invention. During a financial transaction through a bank account (for example, a financial transaction using a wireless terminal), a predetermined financial transaction financial account among a plurality of financial accounts corresponding to the electronic bank account can be easily identified through the account alias.

Hereinafter, a system configuration for managing the ledger D / B 635 provided in the DBMS 325 on the financial system 300 shown in FIG. 3 is referred to as a ledger server (or server) for convenience. Describe the technical characteristics of ledger-based electronic account.

However, the technical characteristics of the ledger-based electronic bank account according to the present invention is not limited to the following embodiments, nor is it limited thereto. The following embodiments are intended to those skilled in the art to which the present invention pertains. It is only one means for efficiently describing the technical features and claims of the present invention.

In addition, the electronic bank account information is preferably made to include each account alias corresponding to each financial account corresponding to the electronic bank account, whereby when the financial transaction through the ledger-based electronic bank account according to the present invention, A financial account for a predetermined financial transaction can be easily identified among the corresponding plurality of financial accounts.

Here, the account alias is a character string based on the English ASCII code and the Korean KSC5601 code, which can be arbitrarily defined by the customer, and can be added, deleted, or updated through internet banking for easy character input.

6 is a diagram illustrating a system for issuing and registering information based on an electronic ledger according to an embodiment of the present invention.

In more detail, Figure 6 is a new bank account when opening a new financial account to a customer visiting each branch of the financial institution, the customer is issued a predetermined electronic bank account associated with the newly opened financial account as described above, As an information registration system for operating as a ledger-based electronic bank account according to the present invention, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing to open a first new financial account to a customer. City, it is possible to infer a variety of system configuration for issuing a ledger-based electronic account in accordance with the present invention, and processing information registration for this, the present invention includes all the inferred implementation method, shown in Figure 6 It is not limited by the implemented method.

Hereinafter, a server (or device) for processing issuance and information registration of a ledger-based electronic bank account according to the present invention in connection with the teller terminal on the financial system 300 is referred to as an "information registration server 600" for convenience.

Issuance of the ledger-based electronic account book and information registration system is provided in each branch of the financial institution, the terminal terminal used by the teller of the branch, and the terminal through the predetermined financial network connected to the financial terminal of the financial institution And an information registration server 600 provided on the system 300, and a ledger D / B 635 in which ledger information corresponding to the financial account opened to the customer is stored.

The teller terminal receives a predetermined customer information and a predetermined financial account opening and electronic bank account issuing application information from the customer for issuing the ledger-based electronic bank account according to the present invention, the customer information and financial account opening and electronic bank account issuance application Characterized in that it comprises a function for transmitting information to the information registration server 600 through the financial network.

According to one embodiment of the present invention, the customer prepares a predetermined financial account opening and electronic bank account issuance application (for example, an application having a form corresponding to a customer information item and a financial account opening and electronic bank account application information item). And, by submitting the application for issuing the financial account and electronic bank account issuance to the teller, it is preferable to provide the customer information and the opening of the financial account and electronic bank account issuance application information to the teller terminal.

According to another exemplary embodiment of the present invention, the customer may input a predetermined information input device (for example, a customer information input item and a financial account opening and electronic bank account issuance request information input item associated with the window terminal). Outputting an information input interface screen including a terminal provided to the window terminal for inputting predetermined information to an information input item corresponding to the information input interface through a predetermined key input device; It is possible to provide the opening and electronic bank account issuing application information to the above window terminal, whereby the present invention is not limited.

In addition, the teller terminal reads specific wireless IC chip specific information from a predetermined wireless IC chip to which the electronic bankbook is to be provided, and / or writes predetermined electronic bankbook identification information to the wireless IC chip according to another embodiment. It characterized by having a wireless IC chip reader for.

According to the method of the present invention, the window terminal reads out specific wireless IC chip unique information from a predetermined wireless IC chip to which the electronic bankbook is to be equipped, and reads the unique wireless IC chip unique information through the wireless IC chip reader. It is preferable to provide the information registration server 600 by including the customer information and financial account opening and electronic bank account issuance application information.

According to the method of the present invention, the window terminal receives the predetermined electronic bankbook confirmation information from the information registration server 600 and records the electronic bankbook storage area of the wireless IC chip through the wireless IC chip reader. Do.

Referring to FIG. 6, the information registration server 600 includes an interface unit 605 for connecting and managing a communication channel for opening at least one window terminal and a financial account and issuing an electronic bank account through a predetermined financial network. An information receiving unit 610 for receiving predetermined customer information, a financial account opening and an electronic bank account issuing application information from the counter terminal in conjunction with the interface unit 605, and the application information for opening the customer information, a financial account opening and an electronic bank account issuing; An information generator 620 for generating at least one ledger information corresponding to the financial account opened to the customer based on the information, and an information storage for storing the generated at least one ledger information in the ledger D / B 635 The unit 630 is provided.

According to the present invention, the information registration server 600 is received through the information receiving unit 610 in order to issue a ledger-based electronic bank account according to an embodiment of the present invention to a customer in which the new financial account is opened. It further comprises a bank account confirmation unit 615 to check whether there is an electronic bank account issued to the customer in connection with the ledger D / B (635) based on the customer information and the opening of the financial account and electronic bank account issuance application information. Characterized in that, when the check result of the bank account confirmation unit 615, the electronic bank account issued to the customer does not exist, the information generation unit 620 further adds a predetermined electronic bank account identifier and / or electronic bank account information Characterized in that, the information storage unit 630 stores the generated electronic bank account identifier in the ledger information in the ledger D / B 635, and / or the The processes associated with the electronic identifier for the account ledger information is characterized in that stored in the ledger D / B (635).

According to an embodiment of the present invention, in order to issue a ledger-based electronic bank account according to an embodiment of the present invention to a customer in which the new financial account is opened, the information receiving unit 610 may provide the customer information and finance from the window terminal. It is possible to receive the account opening and electronic bank account issuing application information further includes specific wireless IC chip specific information corresponding to the wireless IC chip to be linked with the electronic bank account, in which case the wireless IC chip unique information is received. It can be used as an identifier.

The interface unit 605 may include at least one or more teller terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (eg, a branch network), a predetermined financial account opened, and a ledger based on the present invention. It connects a predetermined communication channel for issuing an electronic bank account, characterized in that to maintain and manage the communication channel.

The communication channel connected and managed by the interface unit 605 with at least one window terminal is a communication channel connected between the financial system 300 provided in the financial institution and at least one window terminal through a dedicated communication network. According to one embodiment of the invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server 600, The transaction protocol (and / or the specialized structure corresponding to the transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system 300, and the specific financial system 300 Corresponds to the transaction protocol (and / or transaction protocol) adopted by To which the present invention is not limited by the specialized structure).

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

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

The information receiving unit 610, in connection with the interface unit 605 receives a predetermined customer information, financial account opening and electronic bank account issuance application information from the window terminal, the customer is opened the new financial account In accordance with an embodiment of the present invention, a predetermined electronic bank account identifier and / or electronic bank account information including specific wireless IC chip unique information corresponding to a wireless IC chip to be associated with the electronic bank account information is included (or A predetermined wireless IC chip corresponding to the wireless IC chip to be associated with the electronic bank account in the customer information, the opening of the financial account and the application for issuing the electronic bank account through the interface unit 605 from the window terminal. Characterized in that it further comprises a unique information.

According to the method of the present invention, the unique information of the wireless IC chip is read from the wireless IC chip to be associated with the electronic bankbook issued to the customer through the wireless IC chip reader provided in the window terminal to the interface unit 605. It is preferable to be received by the information receiving unit 610 through.

According to an embodiment of the present invention, the unique information of the wireless IC chip received from the window terminal through the information receiving unit 610 is made by including the chip serial number of the wireless IC chip associated with the electronic bankbook, or the wireless It is possible to include at least one key value (or hash code) included in the IC chip, whereby the present invention is not limited.

According to another embodiment of the present invention, when the wireless IC chip is provided with a predetermined official certificate in addition to the electronic bankbook, the unique information of the wireless IC chip may include the official certificate number and / or the public key included in the public certificate. Copy information and the like, or a predetermined card (e.g., a credit card, a check card, a debit card, a cash card, etc.) other than the electronic bankbook is provided in the wireless IC chip. The information may include at least one or more of the card information (eg, credit card information, check card information, debit card information, cash card information, etc.), and the biometric information of the customer is provided on the wireless IC chip. In this case, the unique information of the wireless IC chip may include biometric information of the customer, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, a transaction protocol for receiving the customer information, the opening of a financial account and the application for issuing an electronic bank account from the window terminal to receive the unique information of the wireless IC chip from the window terminal (and / or Or a full text corresponding to a transaction protocol) includes an information area for further including the wireless IC chip unique information in the customer information, the opening of the financial account and the application for issuing the electronic bank account. Financial account opening and electronic bank account issuance application information and the wireless IC chip unique information is received at the same time to the information receiving unit 610.

According to another exemplary embodiment of the present invention, the transaction protocol (and / or the full text corresponding to the transaction protocol) corresponding to the communication channel connected to the window terminal through the interface unit 605 may include the wireless IC chip specific information. A separate protocol for transmitting to the information registration server 600 may be defined in the window terminal, wherein the information receiving unit 610 may separately establish the wireless IC separately from the customer information, the opening of the financial account and the application for issuing the electronic bank account. Chip-specific information can be received, whereby the present invention is not limited.

The bankbook confirmation unit 615 is connected to the ledger D / B 635 based on the customer information received through the information receiving unit 610 and financial account opening and electronic bank account issuing application information to the customer to the present invention It is characterized by checking whether the ledger-based electronic passbook according to has been issued.

According to one embodiment of the present invention, the bankbook checking unit 615 confirms a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information, It is preferable to check whether the electronic ledger identifier according to the present invention is already issued to the customer by checking whether the electronic bankbook identifier of the present invention and / or the predetermined electronic bankbook information is linked to the customer ledger. .

According to another exemplary embodiment of the present invention, the bankbook checking unit 615 confirms a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information, Inquiring at least one linked account ledger, and confirming that the account ledger to be queried includes a predetermined electronic bank account identifier, and / or the predetermined account book information is linked to the account ledger to be queried. It is desirable to check whether the ledger-based electronic bank account according to the present invention has been issued to the customer.

The information generation unit 620 generates at least one ledger information corresponding to the financial account opened to the customer based on the customer information, the opening of the financial account and the application for issuing the electronic bank account. According to an embodiment, the predetermined electronic bankbook identifier and / or electronic bankbook information including specific wireless IC chip unique information corresponding to the wireless IC chip to be associated with the electronic bankbook is stored (or linked) in the ledger information. In order to receive predetermined wireless IC chip unique information from the window terminal through the information receiving unit 610, further generate a predetermined electronic bank account identifier and / or electronic bank account information including the wireless IC chip unique information. Characterized in that.

In addition, the information generation unit 620 generates at least one ledger information corresponding to the financial account opened to the customer based on the customer information and the financial account opening and electronic bank account issuance application information, As a result of confirming by the bankbook confirming unit 615, when it is confirmed that the ledger-based electronic bankbook according to the present invention has not been issued to the customer, a predetermined electronic bankbook identifier and / or electronic bankbook information is further generated. .

Alternatively, as a result of the check of the bank account confirming unit 615, the electronic bank account identifier is included in the customer ledger provided in the ledger D / B 635, as shown in FIG. If the bankbook information has been pre-linked, the information extracting unit 625 extracts the electronic bankbook identifier included in the customer ledger identified by the bankbook checking unit from the ledger D / B 635, and / Or it is preferable to extract the electronic bank account information processed in conjunction with the customer ledger.

Alternatively, as a result of the check of the bank account confirming unit 615, the electronic bank account identifier is included in at least one account ledger associated with the customer ledger provided in the ledger D / B 635 as shown in FIG. And / or when the electronic account information is pre-linked to the account ledger, the information extracting unit 625 extracts the electronic bank account identifier included in the account ledger confirmed by the bank account confirming unit 615, And / or extract the electronic bank account information linked to the account ledger.

The information generating unit 620 generates at least one ledger information corresponding to the financial account opened to the customer based on the customer information, the opening of the financial account and the application for issuing the electronic bank account, and the information generating unit ( When a predetermined electronic bank account identifier is generated by 620, the information storage unit 630 stores the electronic bank account identifier in the ledger information, and the preferred embodiment of the ledger information is described with reference to FIGS. And / or as shown in Figure 4b and / or Figure 4c.

In addition, the information generating unit 620 generates at least one or more ledger information corresponding to the financial account opened to the customer based on the customer information, the opening of the financial account and the application for issuing the electronic bank account. When predetermined electronic bankbook information is generated by the unit 620, the information storage unit 630 stores the ledger information (and / or the electronic bankbook identifier included in the ledger information) in association with the electronic bankbook information. A preferred embodiment of the ledger information is as shown in FIGS. 5A and / or 5B.

7A and 7B are diagrams illustrating ledger-based electronic bank account storage information according to an embodiment of the present invention.

In more detail, Figures 7a and 7b illustrate an implementation method for the electronic bankbook storage information stored in the wireless IC chip for ledger-based electronic bankbook according to the present invention, having a general knowledge in the art Growing up, various electronic bank account storage information for ledger based electronic bank accounts according to the present invention may be inferred by referring to and / or modifying the drawings 7a and 7b, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIGS. 7A and 7B.

According to the present invention, the electronic bank account storage information shown in FIGS. 7A and 7B provides a means for confirming that the wireless IC chip is associated with the ledger-based electronic bank account according to the present invention in a predetermined wireless terminal. It may be omitted, depending on the intention of the person skilled in the art, and is not limited thereto.

7A and 7B, a wireless IC chip for ledger-based electronic banking according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), and a programming power supply (VPP). And / or an input / output interface for communicating with the wireless IC chip reader (eg, exchanging commands or data) through contact points such as input / output (I / O), a central process unit (CPU), a micro process unit (MPU), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electricity It is connected.

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

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

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

Referring to FIG. 7A, the electronic bank account storage information includes an information file for storing a predetermined serial number, and the serial number of the electronic bank account storage information is used as the ledger-based electronic bank account identification information according to the present invention. desirable.

According to another embodiment of the present invention, the electronic bank account storage information may be provided with a CIF number corresponding to the electronic bank account in addition to the electronic bank account serial number, in which case the CIF number is ledger-based electronic bank account identification information according to the present invention In addition, according to the intention of those skilled in the art, various unique information may be provided in the electronic bank account storage information, and may be used as the ledger-based electronic bank account identification information according to the present invention, whereby the present invention is not limited thereto.

In FIG. 7A, a chip serial number of a wireless IC chip associated with the electronic bankbook and / or at least one key value (or hash code) included in the wireless IC chip provides the ledger-based electronic bank account service according to the present invention. When the wireless IC chip is used as unique information, or when the wireless IC chip is provided with a predetermined official certificate in addition to the electronic bankbook, the public certificate copy number and / or public key copy information included in the public certificate is included. It is used as unique information of the wireless IC chip for providing the ledger-based electronic bank account service according to the present invention, or a predetermined card (for example, credit card, check card, debit card, cash card, etc.) in addition to the electronic bank account on the wireless IC chip. ), The card information (for example, credit card information, check card information, debit card information, cash card information, etc.) is ledger-based electronic bank account in accordance with the present invention When the wireless IC chip is used as unique information for providing a swap, or when the wireless IC chip has biometric information about the customer, the biometric information of the customer is used to provide a ledger-based electronic banking service according to the present invention. It can be used as IC chip unique information, whereby the present invention is not limited.

Referring to FIG. 7B, the wireless IC chip associated with the electronic bankbook has only a storage area in which predetermined electronic bankbook storage information can be stored, and null data is stored in the storage area (eg, electronic storage in the storage area). Only a dedicated file corresponding to the bank account storage information exists and no element file is stored). In this case, the wireless terminal determines whether there is a storage area in which the electronic bank account storage information can be stored in the wireless IC chip. On the basis of this, it is possible to check whether the wireless IC chip is associated with the electronic passbook according to the present invention.

In FIG. 7B, the chip serial number of the wireless IC chip associated with the electronic bankbook and / or at least one key value (or hash code) included in the wireless IC chip provides the ledger-based electronic bank account service according to the present invention. When the wireless IC chip is used as unique information, or when the wireless IC chip is provided with a predetermined official certificate in addition to the electronic bankbook, the public certificate copy number and / or public key copy information included in the public certificate is included. It is used as unique information of the wireless IC chip for providing the ledger-based electronic bank account service according to the present invention, or a predetermined card (for example, credit card, check card, debit card, cash card, etc.) in addition to the electronic bank account on the wireless IC chip. ), The card information (for example, credit card information, check card information, debit card information, cash card information, etc.) is ledger-based electronic bank account in accordance with the present invention When the wireless IC chip is used as unique information for providing a swap, or when the wireless IC chip has biometric information about the customer, the biometric information of the customer is used to provide a ledger-based electronic banking service according to the present invention. It can be used as IC chip unique information, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the electronic bankbook storage information itself may be omitted (not shown) in the wireless IC chip, and thus the present invention is not limited thereto.

When the electronic bank account storage information itself is omitted in the wireless IC chip as described above, the chip serial number of the wireless IC chip, and / or at least one key value (or hash code) included in the wireless IC chip is in accordance with the present invention. It is used as unique information of the wireless IC chip for providing ledger-based electronic bank account service, or if a predetermined official certificate is provided on the wireless IC chip, the official certificate number and / or a copy of the public key included in the public certificate The information is used as the unique information of the wireless IC chip for providing the ledger-based electronic banking service according to the present invention, or a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) on the wireless IC chip. Is provided, the card information (eg, credit card information, check card information, debit card information, cash card information, etc.) provides the ledger-based electronic banking service according to the present invention When the wireless IC chip is used as unique information or when the wireless IC chip has biometric information about the customer, the biometric information of the customer is unique to the wireless IC chip for providing the ledger-based electronic banking service according to the present invention. It can be used as information, by which the present invention is not limited.

8A and 8B illustrate a process of issuing a ledger-based electronic bank account according to an embodiment of the present invention.

In more detail, Figures 8a and 8b further include the electronic bank account identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based electronic bank account according to the present invention, and also the ledger information (and / Or an electronic bank account identifier included in the ledger information) and a predetermined electronic bank account information. The method of generating a predetermined electronic bank account identifier in the information registration server 600 is described in detail with reference to FIG. 8B illustrates a method of generating predetermined electronic bank account confirmation information in the information registration server 600 and using the electronic bank account confirmation information as the electronic bank account identifier.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b to correspond to the financial account opened to the customer for issuing ledger-based electronic bank accounts according to the present invention. It is possible to infer various implementation methods for further including the electronic bank account identifier in the information, and also linking and storing the ledger information (and / or electronic bank account identifier included in the ledger information) and predetermined electronic bank account information. The present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

Hereinafter, the information registration server 600 shown in FIG. 6 in FIGS. 8A and 8B will be referred to as "server" for convenience.

Referring to FIG. 8A, a customer prepares an application for issuing a predetermined financial account and issuing an electronic bank account and providing it to the counter clerk to provide predetermined customer information and financial account opening and electronic bank account issuance application information to the counter terminal, and / or Through the predetermined information input device, predetermined customer information and financial account opening and electronic bank account issuing application information are input and provided to the counter terminal (800a).

The window terminal receiving the customer information, the opening of the financial account and the application for issuing the electronic bank account transmits the customer information, the opening of the financial account and the application for issuing the electronic account through the predetermined financial network to the server 600 (805a). .

The server 600 may include at least one ledger information (eg, at least for opening a financial account) for opening a financial account to the customer based on the customer information received from the counter terminal and the application for opening the financial account and the application for issuing the electronic bank account. One or more ledgers and, if necessary, at least one or more additional information associated with each ledger) (810a).

In addition, the server 600 retrieves the ledger D / B (635) based on the customer information and the opening of the financial account and electronic bank account issuance information, by which the ledger-based electronic bank account according to the present invention is issued to the customer Check whether the operation is completed (815a).

According to the exemplary embodiment of the present invention, the server 600 confirms a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information. If there is no customer ledger that matches the customer information in B 635, the customer opens the first financial account from the financial institution, in which case the financial account is opened to the customer as well as according to the present invention. It is also desirable that no ledger-based electronic account is issued.

According to another exemplary embodiment of the present invention, the server 600 determines a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information. By checking whether the electronic bank account identifier of the, it is preferable to check whether the customer-based electronic bank account according to the present invention has already been issued to the customer.

According to another exemplary embodiment of the present invention, the server 600 checks a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information, and associates with the customer ledger. It is preferable to check whether the ledger-based electronic bank account according to the present invention has been issued to the customer by inquiring at least one or more account ledgers and checking whether the inquiry ledger includes a predetermined electronic bank account identifier.

If it is confirmed that the electronic bank account previously issued to the customer (820a), the server 600 is a predetermined electronic bank account identifier corresponding to the electronic bank account previously issued to the customer from the ledger D / B (635) And electronic bank account information is extracted (825a).

On the other hand, if the electronic bankbook previously issued to the customer is not confirmed as a result of the verification (820a), the server 600 is based on the customer information and the opening of the electronic account and electronic bank account issuing application information to the electronic bankbook to be issued to the customer A corresponding electronic bank account identifier and electronic bank account information are generated (830a).

When the electronic bank account identifier and the electronic bank account information is extracted and / or generated as described above, the server stores the electronic bank account identifier in the ledger information as shown in FIGS. 4A and / or 4B and / or FIG. 835a), as shown in FIGS. 5A and / or 5B, the ledger information (and / or the electronic bank account identifier included in the ledger information) and predetermined electronic bank account information are stored in a cooperative manner (840a). Through the opening of the financial account and the electronic bank account issuance result is transmitted to the counter terminal (845a).

Referring to FIG. 8B, the customer prepares a predetermined financial account and electronic bank account issuance application form and provides it to the counter clerk to provide predetermined customer information and financial account opening and electronic bank account issuance application information to the counter terminal, and / or Through the predetermined information input device, predetermined customer information, financial account opening, and electronic bank account issuing application information are input and provided to the counter terminal (800b).

The window terminal receiving the customer information, the opening of the financial account and the application for issuing the electronic bank account transmits the customer information, the opening of the financial account and the application for issuing the electronic account through the predetermined financial network to the server 600 (805b). .

The server 600 may include at least one ledger information (eg, at least for opening a financial account) for opening a financial account to the customer based on the customer information received from the counter terminal and the application for opening the financial account and the application for issuing the electronic bank account. One or more ledgers and, if necessary, at least one or more additional information associated with each ledger).

In addition, the server 600 retrieves the ledger D / B (635) based on the customer information and the opening of the financial account and electronic bank account issuance information, by which the ledger-based electronic bank account according to the present invention is issued to the customer It is checked whether or not (815b).

According to the exemplary embodiment of the present invention, the server 600 confirms a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information. If there is no customer ledger that matches the customer information in B 635, the customer opens the first financial account from the financial institution, in which case the financial account is opened to the customer as well as according to the present invention. It is also desirable that no ledger-based electronic account is issued.

According to another exemplary embodiment of the present invention, the server 600 determines a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information. By checking whether the electronic bank account identifier of the, it is preferable to check whether the customer-based electronic bank account according to the present invention has already been issued to the customer.

According to another exemplary embodiment of the present invention, the server 600 checks a predetermined customer ledger corresponding to the customer from the ledger D / B 635 based on the customer information, and associates with the customer ledger. It is preferable to check whether the ledger-based electronic bank account according to the present invention has been issued to the customer by inquiring at least one or more account ledgers and checking whether the inquiry ledger includes a predetermined electronic bank account identifier.

If it is confirmed that the electronic bank account previously issued to the customer (820b), the server 600 is a predetermined electronic bank account identifier corresponding to the electronic bank account previously issued to the customer from the ledger D / B (635) Extract the electronic bank account information (825b), store the extracted electronic bank account identifier in the ledger information as shown in Figs. 4a and / or 4b and / or 4c (830b), and store the Fig. 5a and / Alternatively, as shown in FIG. 5B, the ledger information (and / or the electronic bank account identifier included in the ledger information) and the extracted electronic bank account information are stored in a cooperative manner (835b), and then the financial account to the counter terminal through the financial network. Opening and transmitting the electronic bank account issuance result (840b).

On the other hand, if the electronic bank account previously issued to the customer is not confirmed as a result of the verification (820b), the server 600 is based on the customer information and the opening of the electronic account and electronic bank account issuing application information to the electronic bank account to be issued to the customer. Corresponding predetermined electronic bankbook information is generated (845b), and predetermined electronic bankbook confirmation information to be stored in a wireless IC chip associated with the electronic bankbook is generated (850b).

Subsequently, the server stores and stores the generated electronic bank account identification information as the electronic bank account identifier in the ledger information as shown in FIGS. 4a and / or 4b and / or 4c (855b), and as shown in FIGS. And / or associating and storing the ledger information (and / or the electronic bank account identifier included in the ledger information) and the generated electronic bank account information as shown in FIG. 5b (860b), and then transmitting the ledger information to the counter terminal through the financial network. Electronic bank account confirmation information and the result of opening the financial account and electronic bank account is transmitted (865b).

In addition, the wireless terminal records the electronic bankbook confirmation information received through the financial network as the electronic bankbook storage information of the wireless IC chip, thereby issuing the wireless IC chip associated with the electronic bankbook to the customer (870b).

9 is a diagram illustrating a process of issuing a ledger-based electronic bank account according to another embodiment of the present invention.

In more detail, Figure 9 includes using the wireless IC chip unique information to be associated with the electronic bank account in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based electronic bank account according to the present invention using the electronic bank account identifier In addition, the process relates to the process of storing the ledger information (and / or electronic bank account identifier included in the ledger information) and the predetermined electronic bank account information,

Those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 9 in the ledger information corresponding to the financial account opened to the customer for issuing ledger-based electronic bank accounts according to the present invention. Various implementations in which wireless IC chip unique information to be associated with an electronic bank account is used as an electronic bank account identifier, and are linked and processed by the ledger information (and / or electronic bank account identifier included in the ledger information) and predetermined electronic bank account information. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information registration server 600 shown in FIG. 6 is referred to as "server" for convenience.

Referring to FIG. 9, a customer prepares a predetermined financial account and electronic bank account issuance application form and provides it to the clerk, providing predetermined customer information and financial account opening and electronic bank account issuance application information to the counter terminal, and / or Through the predetermined information input device, predetermined customer information, financial account opening, and electronic bank account issuing application information are input and provided to the counter terminal (900).

The window terminal receiving the customer information, the opening of the financial account and the application for issuing the electronic bank account can receive specific wireless IC chip unique information from the wireless IC chip to be linked to the electronic bank account issued to the customer through the predetermined wireless IC chip reader. In operation 905, the client information, the financial account opening and the electronic bank account issuance application information, and the read wireless IC chip unique information are transmitted to a server through a predetermined financial network (910).

The server 600 may include at least one ledger information (eg, at least for opening a financial account) for opening a financial account to the customer based on the customer information received from the counter terminal and the application for opening the financial account and the application for issuing the electronic bank account. One or more ledgers and, if necessary, at least one or more additional information associated with each ledger) (915), and also to be issued to the customer based on the customer information, the opening of the financial account and the application for issuing the electronic bank account. Generating predetermined electronic bankbook information corresponding to the bankbook (920), using the received wireless IC chip unique information as the electronic bank account identifier according to the present invention as shown in Figure 4a and / or 4b and / or 4c It is included in the ledger information and stored in the ledger D / B 635 (925), and the ledger information (and / or ledger information as shown in FIGS. 5A and / or 5B). Contained electronic account identifier) and a post (930 stores the predetermined processing associated electronic bankbook information), to the service area terminal through the financial network and transmits the financial account opening and electronic passbook issuing result (935).

According to another embodiment of the present invention, the method of the present invention shown in Figure 9, the step of checking whether the ledger-based electronic bank account according to the present invention to the customer in the ledger D / B 635, and the confirmation It is possible to further include the step of extracting a predetermined electronic bank account identifier and electronic bank account information from the ledger D / B 635 according to the result, so that the customer does not have a wireless IC chip associated with the electronic bank account Even when visiting the window, it is possible to issue the ledger-based electronic bank account according to the present invention using the wireless IC chip unique information as the electronic bank account identifier.

10 is a diagram illustrating a ledger-based electronic bank account operating system according to an embodiment of the present invention.

In more detail, Figure 10 is a financial transaction based on the ledger-based electronic account book, when a customer who is issued a ledger-based electronic passbook according to the present invention based on the ledger-based electronic passbook using a predetermined wireless terminal As a ledger-based electronic bank account management system for processing transactions, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 10 to the ledger-based electronic bank account management system according to the present invention. It is possible to infer a system configuration for the present invention, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Hereinafter, a server (or device) for processing a financial transaction based on the ledger-based electronic bank account according to the present invention in connection with the wireless terminal on the financial system 300 is referred to as a "ledger server 1000" for convenience.

The ledger-based electronic bank account operating system is a predetermined wireless IC chip mounted or detached, the wireless terminal connected to a predetermined wireless communication network, the wireless communication network connected to the wireless terminal is connected through a predetermined gateway and dedicated network And a ledger server 1000 provided on the financial system 300 of a financial institution, and a ledger D / B 635 in which ledger information corresponding to a financial account opened to the customer is stored.

The wireless terminal is characterized in that it comprises a predetermined wireless IC chip reader for financial transactions based on the ledger-based electronic bank account according to the present invention, and also the ledger-based electronic bank account according to the present invention through the wireless IC chip reader Reads predetermined wireless IC chip unique information (and / or electronic passbook confirmation information) from the wireless IC chip associated with the control unit, and transmits the read wireless IC chip unique information (and / or electronic passbook confirmation information) to the ledger server 1000. And at least one financial account information corresponding to the ledger-based electronic bank account from among the ledger information stored in the ledger D / B from the ledger server 1000. Characterized in that a predetermined financial transaction is processed through a financial account corresponding to any one of the above financial account information, A preferred embodiment for the will be described in detail through figures 11.

According to an embodiment of the present invention, when the wireless terminal is activated with a wireless IC chip associated with the ledger-based electronic passbook according to the present invention through the wireless IC chip reader, the operation mode of the wireless terminal is the ledger-based electronic passbook Check whether it is switched to the financial transaction mode for processing the financial transaction based on the control, and if the operation mode of the wireless terminal is switched to the financial transaction mode, confidentiality of the electronic bank account associated with the wireless IC chip through a predetermined PIN ( Validation, including Confidentiality, Authentication, Integrity, and Nonrepudiation, and if the validity is authenticated, predetermined wireless IC chip specific information (and / or electronic passbook) from the wireless IC chip. The identification information), and the read-only wireless IC chip unique information (and / or electronic bank confirmation information) is read through the wireless communication network. It is preferable to receive at least one or more financial account information corresponding to the ledger-based electronic bank account from among the ledger information stored in the ledger D / B 635 from the ledger server 1000.

According to another exemplary embodiment of the present invention, when the wireless IC chip associated with the ledger-based electronic bank account according to the present invention is activated through the wireless IC chip reader, the wireless terminal is associated with the wireless IC chip through a predetermined PIN. A financial transaction mode in which the validity including confidentiality, authentication, integrity and non-repudiation of the electronic bankbook is authenticated, and when the validity is authenticated, the operation mode of the wireless terminal processes the financial transaction based on the ledger-based electronic bankbook. When the operation mode of the wireless terminal is switched to the financial transaction mode, the wireless IC chip reads specific wireless IC chip unique information (and / or electronic bank confirmation information) from the wireless IC chip, and reads the read wireless data. By transmitting IC chip unique information (and / or electronic bank confirmation information) to the ledger server 1000 via the wireless communication network, to the ledger server 1000 It is preferable to receive at least one financial account information corresponding to the ledger-based electronic bank account from among the ledger information stored in the ledger D / B (635).

The ledger D / B 635 may identify the wireless IC chip unique information (and / or electronic bank account) in the ledger information corresponding to the financial account opened to the customer as shown in FIGS. 4A and / or 4B and / or 4C. Information stored in an electronic bank account including at least one electronic account identifier, and / or in the ledger information corresponding to the financial account opened to the customer as shown in FIGS. 5A and / or 5B. And / or electronic bankbook information including at least one electronic bankbook confirmation information).

Referring to FIG. 10, the ledger server 1000 is based on the ledger-based electronic bank account according to the present invention through at least one wireless terminal and the wireless communication network and / or the predetermined gateway and dedicated network through a predetermined financial network. An interface unit 1005 for connecting and managing a communication channel for processing a financial transaction, and at least one piece of wireless IC chip unique information (and / or electronic bank confirmation information) from the wireless terminal through the interface unit 1005. The information receiving unit 1010 for receiving the financial account information request text including the above, and the wireless IC chip unique information (and / or electronic bank confirmation information) included in the financial account information request text received through the information receiving unit 1010. Account identification unit 1020 for identifying at least one or more financial accounts corresponding to the ledger-based electronic bank account in connection with the ledger D / B (635), When at least one financial account corresponding to the ledger-based electronic bank account is confirmed as a result of the confirmation by the account checking unit 1020, at least one or more corresponding to the ledger-based electronic bank account in connection with the ledger D / B 635 An information extraction unit 1025 for extracting financial account information and a financial account information telegram including the extracted at least one financial account information are generated, and the wireless account information telegram is wirelessly transmitted through the interface unit 1005. And an information transmitter 1015 for transmitting to the terminal.

According to the present invention, the information receiving unit 1010 further receives a financial transaction request message including financial account information and financial transaction information for a predetermined financial transaction from the wireless terminal through the interface unit 1005. Preferably, when the financial transaction request message is received through the information receiving unit 1010, the ledger D based on the financial transaction information and the predetermined financial transaction information included in the financial transaction request message. And a financial transaction unit 1030 for processing the financial transaction corresponding to the financial transaction information through the financial account information for the financial transaction in connection with / B (635).

The interface unit 1005 may be configured to process a financial transaction based on at least one wireless terminal and a ledger-based electronic bank account according to the present invention through a predetermined dedicated network and a wireless communication network and / or gateway connected to the wireless terminal. The communication channel is connected, and the communication channel is maintained.

The communication channel connected and managed by the interface unit 1005 through the wireless communication network and a predetermined gateway and / or a dedicated network corresponds to at least one financial transaction service defined between the wireless communication network and the financial system 300. And a transaction protocol for transmitting and receiving at least one telegram, wherein the transaction protocol (and / or the specialized structure corresponding to the transaction protocol) is associated with a financial transaction type of business affiliated with the wireless communication network and a financial institution. It may be defined and used in various ways according to the platform characteristics constituting the financial system 300 and / or gateway, and may be viewed by a transaction protocol (and / or a specialized structure corresponding to the transaction protocol) adopted by a specific financial system 300. The invention is not limited.

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

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

The information receiving unit 1010 receives a full message including at least one or more pieces of information corresponding to a predetermined financial transaction from the wireless terminal through the interface unit 1005. And reading at least one director's information corresponding to each financial transaction business from the read message.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction service, wireless terminal telephone number information and / or wireless terminal address information and / or wireless terminal corresponding to the wireless terminal. It is preferable to include at least one or more ESN (Electronic Serial Number) information.

According to another exemplary embodiment of the present invention, the information receiving unit 1010 receives traffic data including at least one or more information corresponding to a predetermined financial transaction from the wireless terminal through the interface unit 1005. It is possible to extract the information of at least one director corresponding to each financial transaction task by reading the header of the traffic data, whereby the present invention is not limited.

The information receiving unit 1010 receives, through the interface unit 1005, a full financial account information request message including at least one of predetermined wireless IC chip unique information (and / or electronic bank confirmation information) from a predetermined wireless terminal. In this case, the information receiver 1010 extracts the wireless IC chip unique information (and / or electronic bank confirmation information) from the full financial account information request message and provides the extracted information to the account verification unit 1020 and / or the information extraction unit. At least one account identification unit 1020 corresponding to the ledger-based electronic bank account in connection with the ledger D / B 635 based on the wireless IC chip unique information (and / or electronic account confirmation information). The above-described financial account is confirmed, and the information extraction unit 1025 is connected with the ledger D / B 635 based on the unique information of the wireless IC chip (and / or the electronic bank account confirmation information). At least one financial account information and extracts corresponding to.

The account verification unit 1020 is ledger D / B (635) based on the wireless IC chip unique information (and / or electronic bank confirmation information) included in the full financial account information request received through the information receiving unit 1010. By reading the ledger information stored in the, characterized in that at least one or more financial accounts opened to the customer to identify at least one financial account corresponding to the ledger-based electronic bank account.

According to an embodiment of the present invention, at least one financial account corresponding to the ledger-based electronic bank account among the at least one financial account opened to the customer is wireless to the customer ledger and / or account ledger included in the ledger information. A predetermined electronic passbook including a predetermined electronic passbook identifier including IC chip unique information (and / or electronic passbook confirmation information), and / or including the wireless IC chip unique information (and / or electronic passbook confirmation information) Preferably, the information is linked and stored, and the account verification unit 1020 includes the electronic bank account identifier and / or electronic bank account information based on the wireless IC chip unique information (and / or electronic bank account identification information). At least one corresponding to the ledger-based electronic bank account of the at least one financial account opened to the customer by searching for a financial account to It can be found on the financial account.

When at least one financial account corresponding to the ledger-based electronic bank account is confirmed as a result of the checking of the account checking unit 1020, the information extracting unit 1025 is at least opened to the customer from the ledger D / B (635) A predetermined electronic book including one of one or more financial accounts, including an account ledger (eg, the wireless IC chip unique information (and / or electronic bank account identification information)) identified by the account verification unit 1020 as including a predetermined electronic bank account identifier. Account account information including a bank account identifier), wherein at least one financial account information corresponding to the ledger-based electronic bank account is extracted.

In addition, when at least one financial account corresponding to the ledger-based electronic bank account is confirmed as a result of the checking by the account checking unit 1020, the information extraction unit 1025 is opened to the customer from the ledger D / B (635) The account ledger (eg, the wireless IC chip unique information (and / or electronic bank account identification information), which is determined to be linked and stored by the account verification unit 1020, by the account verification unit 1020, among the at least one financial account. And at least one financial account information corresponding to the ledger-based electronic bank account from the electronic ledger information including and stored in the account ledger.

According to the method of the present invention, the financial account information corresponding to the ledger-based electronic bank account, preferably comprises at least one or more account number information, account alias information, and account balance information.

The financial account information may include at least one recent financial transaction history information corresponding to the financial account (for example, the latest five financial transaction history information, the last one week financial transaction history information, the recent one month financial transaction history information, etc.). It is preferable that it further comprises.

The information transmitting unit 1015 generates a predetermined financial account information full text including at least one or more financial account information extracted from the ledger D / B 635 through the information extracting unit 1025, and the generated information. The financial account information is transmitted to the wireless terminal through the interface unit 1005.

The wireless terminal receiving the full financial account information may extract at least one or more financial account information from the full financial account information, and for a predetermined financial transaction among at least one or more financial accounts corresponding to the extracted at least one financial account information. An interface screen for selecting a financial account is output, and a predetermined financial transaction financial account is selected through the interface screen.

If a predetermined financial transaction financial account is selected through the interface screen, the wireless terminal receives at least one financial transaction information corresponding to a predetermined financial transaction task through the financial transaction financial account and the financial transaction. A predetermined financial transaction request message including financial account information and financial transaction information is generated and transmitted to the ledger server 1000 through the financial network.

The financial receiver request that the information receiver 1010 provided in the ledger server 1000 includes at least one financial account information and financial transaction information for a predetermined financial transaction from a predetermined wireless terminal through the interface unit 1005. When receiving a full text, the information receiving unit 1010 extracts the financial account information and financial transaction information for the financial transaction from the financial transaction request text, and provides the financial transaction unit to the financial transaction unit. ) Processes the financial transaction corresponding to the financial transaction information through the financial account information for the financial transaction in association with the ledger D / B 635 based on the financial transaction information and the financial transaction information for the financial transaction.

The financial transaction unit 1030 is ledger information stored in the ledger D / B (635) based on the financial transaction information and financial transaction information included in the financial transaction request message received through the information receiving unit 1010 Finance corresponding to the financial transaction information through the financial account for financial transactions using (e.g., an account ledger corresponding to a financial account for financial transactions and at least one ledger and / or ledger related information associated with the account ledger). Characterized in processing the transaction.

According to an embodiment of the present invention, the financial transaction information includes at least financial transaction information corresponding to a receiving service, financial transaction information corresponding to a credit service, financial transaction information corresponding to a foreign exchange service, and financial transaction information corresponding to an investment business. It is preferable to include one or more, and those skilled in the art will clearly understand the financial transaction information corresponding to each financial business, so a detailed description thereof will be omitted for convenience.

11 is a diagram illustrating a function configuration of a wireless terminal 1100 for ledger-based electronic banking operation according to an embodiment of the present invention.

More specifically, FIG. 11 illustrates a case where a mobile communication terminal accessing a mobile communication network based on code division multiple access (CDMA) performs a function of the wireless terminal 1100 for operating the ledger-based electronic bank account. The preferred functional configuration of the mobile communication terminal for the electronic bank account operation. Those skilled in the art to which the present invention pertains, with reference to this figure 11, functions of other wireless terminals (e.g., wireless data communication terminals or portable Internet terminals) for operation of the ledger-based electronic bankbook in addition to the mobile communication terminal. The configuration may be easily inferred. As a result, the technical scope of the present invention is not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, a wireless terminal providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery, and the like. A predetermined modem chip (e.g., an MSM series modem chip manufactured by Qualcomm, Inc.) that incorporates functions such as a modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder, and various memory devices. A duplexer filter that separates the transmitted and received signals from the antenna of the antenna, a power amplifier that amplifies the transmitted signal, a high power amplifier (HPA), an isolator that prevents the return of the high power transmitted signal, VCTCXO corresponding to RF / IF SAW filter for removing wave signal, frequency up-circuit of transmission path, frequency down-conversion circuit of receiving path, and reference clock source (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Increasingly, the modem chip is being integrated, and in addition to the core components of the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 11, the wireless terminal 1100 for ledger-based electronic bank account operation basically includes a control unit 1105, a screen output unit 1110, a sound processor 1115, a key input unit 1120, and a wireless processor 1130. And a near field communication unit 1135, a memory unit 1165, and a battery 1125 for supplying power. The IC chip 1150 and the IC chip are mounted or detached from the wireless terminal 1100 according to an implementation method. IC chip reader unit 1145 for reading / writing predetermined information or data in 1150, camera 1160 mounted on or detached from the wireless terminal 1100, and predetermined image information from the camera 1160. It further comprises a functional configuration including a camera unit 1155 to read out.

The controller 1105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 1100 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, recorded on a recording medium of a wireless terminal for ledger based electronic banking operation). A predetermined program routine is shown as being provided in this control unit 1105 for convenience. Business card.), By which the controller 1105 realizes various functions to be implemented in the wireless terminal 1100, and controls and manages the overall operation of the wireless terminal 1100 in order to realize such functions. Characterized by being done.

In particular, when power is input to the wireless terminal 1100 to perform a function of the controller 1105 for controlling and managing the overall operation of the wireless terminal 1100, an operating system routine or system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 1110 is a liquid crystal display (LCD) driver for screen output, and a key input unit by the controller 1105 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the information, various information, signals, and / or contents (eg, text content, image content, and / or multimedia) extracted and / or generated in the course of performing a predetermined function included in the wireless terminal 1100. Content) to a predetermined screen output device (for example, an LCD panel), and the screen output unit 1110 is connected to a screen output device (LCD) to operate a ledger-based electronic account book. It is preferable to perform a function of an information output unit for outputting predetermined information required in the process of processing a financial transaction.

The sound processor 1115 encodes a predetermined sound signal input from a microphone included in the wireless terminal 1100 and provides it to the controller, or a predetermined sound extracted and / or generated by the controller 1105. A signal is decoded and output through a speaker. To this end, the sound processor 1115 includes a predetermined vocoder and a codec.

Performs a function of a sound input unit provided in the wireless terminal 1100 through the sound processor 1115 and a microphone, or outputs a sound provided in the wireless terminal 1100 through the sound processor 1115 and a speaker. Perform the function of the means.

The key input unit 1120 includes a predetermined key having at least one or more key buttons including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad, and predetermined key buttons provided on the keypad in a specific input mode and / or operation mode of the wireless terminal 1100 controlled by the controller 1105. When predetermined information (or signal) is inputted from the device, key events (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) are generated, and the generated key event is transmitted to the controller 1105. The controller 1105 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 1100 (eg, respectively). Read key data from the key table in a key table that stores (manages) at least one key data corresponding to a specific key event in an input mode and / or an operation mode of the wireless terminal 1100, and / or the key event A command for executing a predetermined function that is matched and defined is read.

The keypad including the key input unit 1120 and at least one key button interlocks with each other to perform a function of a key input unit provided in the wireless terminal 1100.

The wireless processor 130 may register location and / or slot mode and / or power control in conjunction with the controller 1105 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal.

In particular, the wireless processing unit 1130 processes the information or signal transmitted from the wireless terminal 1100 to the base station in a CDMA stack to provide the mobile communication service, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an embodiment of the present invention, the wireless terminal 1100 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 1130, and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with the ledger server 1000 provided on the mobile communication network and / or a predetermined communication network that interworks with the mobile communication network.

According to another embodiment of the present invention, if the wireless terminal 1100 of FIG. And a function configuration for providing wireless data communication or voice over IP (VoIP) based voice call).

The near field communication unit 1135 may be configured to perform infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 1100 connects a wireless section connecting a predetermined short range device and a predetermined short range wireless communication session through the short range communication unit 1135, and connects the short range device to the short range device. It is preferable to connect a predetermined communication channel with a ledger server 1000 provided on a predetermined communication network through a wired section including a predetermined network.

The memory unit 1165 may enter or exit when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 1100 is performed. A general term for a memory device for storing information and / or data outputted therein, the read-only memory (ROM) corresponding to the read-only memory, the flash memory (FM) for reading / writing, and the electrically erasable and EEPROM. Programmable Read Only Memory).

In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 1100 and information or data therefor. The EEPROM stores a terminal registration related parameter and a telephone number (eg, an address book) or at least one or more information and / or data extracted and / or generated while executing an application included in the wireless terminal 1100. do.

According to an embodiment of the present invention, the memory unit 1165 stores at least one financial transaction processing information used by the wireless terminal 1100 to process financial transactions using the ledger-based electronic bank account according to the present invention. Preferably, and / or after the financial transaction processing using the ledger-based electronic bank account, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The IC chip reader unit 145 is an IC chip related function configuration (eg, IC chip agent provided in a wireless terminal) provided in a wireless terminal through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. Program) and an IC chip mounted or detached from the wireless terminal 1100 to exchange information and / or data.

For example, the IC chip reader unit 145 provides information and / or data exchange between the IC chip agent program and the IC chip 1150 through an application protocol data unit (APDU).

The camera unit 1155 reads raster-based CCD image information from a camera 1160 including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and controls the image information into a control unit 1105. It is characterized by inputting).

Referring to FIG. 11, a mode checking unit 1170 for confirming whether an operation mode of the wireless terminal 1100 is a financial transaction mode for processing a financial transaction based on the ledger-based electronic bankbook, and the IC chip reader unit 1145 Validity authentication unit for authenticating the validity of the wireless IC chip using a PIN, and, if the validity of the wireless IC chip is authenticated, unique information (and / or electronic bankbook confirmation) from the wireless IC chip. Information) for reading information), a text generation unit 1185 for generating a full financial account information request message including the wireless IC chip unique information (and / or electronic bank confirmation information), and the communication unit. Transmit the generated financial account information request full text through the ledger server 1000, and receives the financial account information full text corresponding to the financial account information request text from the ledger server 1000, the received gold And a specialized processing unit 1175 for outputting, through the screen output unit 1110, an interface screen for selecting a predetermined financial transaction financial account among at least one or more financial account information included in the account information. do.

In addition, when a predetermined financial transaction financial account is selected from the interface screen output through the screen output unit, the wireless terminal 1100 performs a financial transaction for processing a predetermined financial transaction corresponding to the financial account for financial transaction. Preferably, the information input unit may further include an information input unit. In this case, the full text generation unit 1185 may generate a financial transaction request message including the financial account information and the financial transaction information. The specialized processor 1175 transmits the generated financial transaction request message to the ledger server 1000 through the communication unit, and receives a financial transaction message corresponding to the financial transaction request message from the ledger server 1000. It is preferable to output the financial transaction details included in the full text of the financial transaction through the screen output unit.

The wireless terminal 1100 includes a plurality of operation modes, such as a financial transaction mode for processing financial transactions using the ledger-based electronic bank account according to the present invention, or a cash withdrawal mode using a cash card (or debit card), The mode checking unit 1170 checks whether the operation mode of the wireless terminal is a financial transaction mode for processing a financial transaction using the ledger-based electronic bank account according to the present invention.

According to an exemplary embodiment of the present invention, the wireless terminal 1100 selects a financial transaction using the ledger-based electronic bank account according to the present invention from among a plurality of operation modes on a basic screen, thereby making a financial transaction using the ledger-based electronic bank account. It is preferable to switch to the financial transaction mode to process the.

According to another exemplary embodiment of the present invention, the wireless terminal 1100 uses a ledger-based electronic bank account according to the present invention among a plurality of operation modes after a predetermined wireless IC chip is inserted into the wireless IC chip reader. By selecting the transaction, it is preferable to switch to the financial transaction mode for processing the financial transaction using the ledger-based electronic bank account.

The validity authentication unit 1180 is mounted on or detached from the wireless terminal 1100 through a wireless IC chip reader corresponding to a contact IC reader unit and / or a non-contact IC reader unit of the IC chip reader unit 1145. When the wireless IC chip is activated, a predetermined PIN is input in association with the key input unit 1120, and confidentiality of the wireless IC chip (and / or an electronic bankbook associated with the wireless IC chip) is based on the input PIN. And performing a validity authentication procedure to ensure authentication, integrity, and nonrepudiation, and by the validity authentication unit 1180 for the wireless IC chip (and / or electronic account associated with the wireless IC chip). If the validity is authenticated, a predetermined financial transaction procedure using the ledger-based electronic passbook according to the present invention is normally performed.

According to the exemplary embodiment of the present invention, the validity authentication unit 1180 may activate the wireless IC chip mounted on or detached from the wireless terminal 1100 through the wireless IC chip reader, and then the wireless IC chip (and / Or electronic passbook associated with a wireless IC chip).

According to an embodiment of the present invention, the validity authentication unit 1180 is activated after the wireless IC chip mounted or detached from the wireless terminal 1100 through the wireless IC chip reader, the wireless terminal 1100 When the operation mode of is switched to the financial transaction mode, or after the operation mode of the wireless terminal 1100 is switched to the financial transaction mode, a predetermined wireless IC chip is inserted into the wireless IC chip reader, It is desirable to carry out a validation procedure for the IC chip (and / or electronic passbook associated with the wireless IC chip).

When the information reading unit 1149 validates the wireless IC chip (and / or the electronic bankbook associated with the wireless IC chip) by the validity authentication unit 1180, a predetermined electronic bankbook from the wireless IC chip is verified. Read identification information, and / or read wireless IC chip specific information from the wireless IC chip, wherein the read wireless IC chip unique information (and / or electronic passbook identification information) is read in the full text generation unit. Provided at (1185).

The full text generation unit 1185 generates a full financial account information request full text including the unique wireless IC chip information (and / or the electronic bank account identification information) read from the wireless IC chip through the information reader 1195. The full text of the financial account information request may include wireless terminal phone number information and / or the wireless terminal address corresponding to the wireless terminal 1100, in addition to the wireless IC chip unique information (and / or electronic bank confirmation information). Information and / or at least one of the wireless terminal ESN information and the like, wherein the wireless terminal telephone number information and / or the wireless terminal order information and / or the wireless terminal ESN information and the like are included in the wireless terminal 1100. It is desirable to extract from the financial transaction processing information stored in the memory portion of the.

The specialized processing unit 1175 transmits the generated financial account information request telegram to the ledger server 1000 through the communication unit, and at least corresponding to the ledger-based electronic bank account from the ledger server 1000. Wait for the full financial account information, including one or more financial account information, to be received.

If a financial account information telegram including at least one financial account information corresponding to the ledger-based electronic bank account is received, the specialized processor 1175 may acquire at least one financial account information included in the received financial account information telegram. Extracting and outputting, through the screen output unit 1110, an interface screen for selecting a financial account for a predetermined financial transaction among the extracted at least one financial account information, and the key input unit 1120. Waiting for a predetermined financial transaction financial account of the at least one financial account included in the interface screen is selected.

If a financial account for a predetermined financial transaction is selected from among at least one financial account included in the interface screen, the specialized processor 1175 may select a predetermined financial transaction among at least one financial transaction that can be processed through the financial account for financial transaction. An interface screen for selecting a transaction is output through the screen output unit 1110, and a predetermined financial transaction among at least one financial transaction included in the interface screen is selected through the key input unit 1120. Wait for that.

If a predetermined financial transaction is selected among at least one financial transaction included in the interface screen, the specialized processor 1175 outputs the interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And output the financial transaction information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 1120 through the key input unit 1120. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial account and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 1190 is the financial transaction financial. Withdrawal amount information to be withdrawn from the account, the withdrawal account number to which the withdrawal amount is transferred and deposited, the financial account password for the financial transaction, the account transfer password, and a security card corresponding to the financial account for the financial transaction It comprises at least one predetermined security card number of the plurality of security card numbers.

If the input of the financial transaction information is completed, the specialized processor 1175 provides the financial account information for the financial transaction and the input at least one or more financial transaction information to the specialized generator 1185.

The full text generation unit 1185 generates a full text transaction request message including the financial account information for the financial transaction and the input at least one financial transaction information, and converts the generated full text transaction request text into the full text processing unit 1175. To provide.

The specialized processor 1175 transmits the generated financial transaction request telegram to the ledger server 1000, wherein the financial transaction information and the at least one inputted financial account information are input from the ledger server 1000. Waiting for the predetermined financial transaction text including the predetermined financial transaction history information corresponding to the financial transaction information is received.

If a predetermined financial transaction text message including the financial transaction history information is received, the specialized processor 1175 extracts financial transaction history information included in the received financial transaction text message, and extracts the extracted financial transaction history information. It is characterized in that the output through the screen output unit 1110.

According to an embodiment of the present invention, the received financial transaction text may include at least one or more recent financial transaction details in addition to the financial account information and the financial transaction history information corresponding to the financial transaction information. In this case, the specialized processor 1175 may further include the received at least one recent financial transaction history through the screen output unit 1110.

In addition, the specialized processing unit 1175 stores the financial transaction history information extracted from the received financial transaction text in the memory unit 1165 for a predetermined period of time, whereby various additional services such as canceling a previous transaction. Can be easily provided.

12 is a diagram illustrating an operation process of the wireless terminal 1100 for financial transactions using the ledger-based electronic passbook according to an embodiment of the present invention.

More specifically, FIG. 12 is a method for implementing a financial transaction using the ledger-based electronic bank account in a wireless terminal 1100 equipped or detached with a wireless IC chip linked to the ledger-based electronic bank account according to the present invention. For those of ordinary skill in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to and / or modifying this drawing 12 to initiate financial transactions using the ledger-based electronic bankbook in the wireless terminal 1100. It should be noted that the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in FIG. 12, the operation mode checking process and the validity authentication process of the wireless terminal 1100 may be reversed. The validity authentication process may use biometric information according to the intention of a person skilled in the art in addition to validity authentication using a PIN. It may be replaced by a validity authentication.

Referring to FIG. 12, the wireless terminal 1100 equipped with the financial transaction function using the ledger-based electronic bank account according to the present invention checks whether a predetermined wireless IC chip is activated through a predetermined wireless IC chip reader (1200). According to the exemplary embodiment of the present invention, the wireless IC chip is activated by clicking a wireless banking hotkey provided in the wireless terminal 1100 and / or selecting a wireless banking menu.

If a predetermined wireless IC chip is activated through the wireless IC chip reader in the wireless terminal 1100 (1205), the wireless terminal 1100 outputs a predetermined operation mode selection interface screen, and the operation mode selection interface screen. In operation 1210, the operation mode of the wireless terminal 1100 is selected as the financial transaction mode for processing the financial transaction using the ledger-based electronic bank account.

If the operation mode of the wireless terminal 1100 is selected as the financial transaction mode for financial transactions using the ledger-based electronic bank account according to the present invention (1215), the wireless terminal is a validity authentication interface screen using a predetermined PIN ( For example, a screen for requesting input of a predetermined PIN) is outputted, and a predetermined PIN is input through the validity authentication interface screen so that the validity of the wireless IC chip (and / or an electronic bankbook associated with the wireless IC chip) is improved. Verify that it is authenticated (1225).

If the validity of the wireless IC chip (and / or the electronic bankbook associated with the wireless IC chip) is not authenticated (1230), the wireless terminal outputs a predetermined validation error message (1235), and the ledger-based electronics. Terminate the financial transaction process using the passbook.

On the other hand, if the validity of the wireless IC chip (and / or the electronic bankbook associated with the wireless IC chip) is authenticated (1230), the wireless terminal 1100 is predetermined wireless IC chip specific information (and / or) from the wireless IC chip Alternatively, the electronic bankbook identification information is read (1240), and a predetermined financial account information request message including the read wireless IC chip unique information (and / or electronic bankbook identification information) is generated (1245).

Thereafter, the wireless terminal 1100 checks whether a communication channel is connected to the ledger server that will transmit and receive the full financial account information request message through the wireless communication network and / or gateway through a predetermined dedicated network (1250).

If a communication channel capable of transmitting and receiving the full financial account information request message is not connected between the wireless terminal 1100 and the ledger server 1000 (1255), the wireless terminal 1100 is connected to the wireless communication network and / or Through the gateway and a predetermined dedicated network, a predetermined communication channel capable of transmitting / receiving the full text of the financial account information request with the ledger server 1000 is connected (1260).

On the other hand, when a communication channel capable of transmitting and receiving the financial account information request message is pre-connected between the wireless terminal 1100 and the ledger server 1000 (1255) or through a communication channel connection procedure (1260). The wireless terminal 1100 transmits the full financial account information request message to the ledger server 1000 through the communication channel (1265), and the ledger server transmits the wireless terminal 1100 through the process as shown in FIG. Sending the full financial account including at least one financial account information.

FIG. 13 is a diagram illustrating an operation process of a ledger server 1000 for financial transactions using a ledger-based electronic bank account according to an embodiment of the present invention.

In more detail, in FIG. 13, in the ledger server 1000 receiving the full financial account information request message through the same process as in FIG. 12, the wireless IC chip unique information (and / or included in the full financial account information request message) Verifying at least one financial account corresponding to the ledger-based electronic bank account based on the electronic bankbook confirmation information, and generating a predetermined financial account text including at least one financial account information corresponding to the identified financial account; As a method for transmitting to the wireless terminal 1100, those skilled in the art to which the present invention pertains, the financial account information in the ledger server 1000 by referring to and / or modified in this figure 13 Write down corresponding to the ledger-based electronic bank account on the basis of the wireless IC chip unique information (and / or electronic bank account identification information) included in the request message Also, various implementation methods of identifying one or more financial accounts and generating a predetermined financial account text including at least one or more financial account information corresponding to the identified financial accounts and transmitting them to the wireless terminal 1100 may be inferred. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the ledger server 1000 is referred to as "server" in FIG. 13 for convenience.

Referring to FIG. 13, the ledger server 1000 equipped with the financial transaction processing function using the ledger-based electronic bank account according to the present invention may include at least one wireless terminal 1100 through the wireless communication network and / or the gateway and a predetermined dedicated network. Periodically checking whether the full financial account information request message is received from the mobile terminal 1300. If the full financial account information request text is received from a predetermined wireless terminal (1305), the server 1000 requests the financial account information. Read the full text to extract predetermined wireless IC chip unique information (and / or electronic passbook confirmation information) (1310), and the ledger D based on the extracted wireless IC chip unique information (and / or electronic passbook confirmation information). By searching / B 635, at least one or more ledger information matching with the extracted wireless IC chip unique information (and / or electronic bank confirmation information) from the ledger D / B (635) The color 1315.

If at least one ledger information matched with the extracted wireless IC chip unique information (and / or electronic bank confirmation information) is retrieved from the ledger D / B 635 (1320), the server 1000 is led to the ledger. From the D / B 635, at least one or more financial account information (eg, financial account information corresponding to the ledger-based electronic bank account according to the present invention) matching the wireless IC chip unique information (and / or electronic bank confirmation information). Extract (1325), generate predetermined financial account information telegrams including the extracted at least one financial account information (1330), and generate the generated financial account information telegrams from the wireless communication network and / or gateway and a predetermined dedicated network; Through the transmission to the wireless terminal 1100 (1335).

14 is a diagram illustrating an operation process of the wireless terminal 1100 for financial transaction processing using the ledger-based electronic bank account in accordance with an embodiment of the present invention.

More specifically, FIG. 14 is based on at least one or more financial account information included in the financial account information in the wireless terminal 1100 that has received the financial account information full text through the same process as in FIG. 13. According to the embodiment of the present invention for processing a financial transaction using the ledger-based electronic bank account, a person of ordinary skill in the art to which the present invention pertains, the wireless terminal 1100 by referring to and / or modifying the drawing 14 Although various implementation methods for processing financial transactions using the ledger-based electronic bank account according to the present invention may be inferred based on at least one or more financial account information included in the full financial account information, the present invention provides the inferred implementation method. It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 14, the wireless terminal 1100 that transmits the full financial account information request message to the ledger server 1000 through the process illustrated in FIG. 12 receives the full financial account information request message from the ledger server 1000. In response to the predetermined financial account information including the at least one financial account information is waiting to be received (1400), if the at least one financial account from the ledger server 1000 through the process shown in FIG. When a predetermined financial account information full text including information is received (1405), the wireless terminal 1100 extracts at least one financial account information included in the financial account information full text, and the extracted at least one financial account information. Outputs a predetermined financial account selection interface screen for selecting a predetermined financial account for financial transactions (1410) and selects the financial account; It is checked whether a predetermined financial transaction financial account is selected through the interface screen (1415).

If a predetermined financial transaction financial account is selected through the financial account selection interface screen (1420), the wireless terminal 1100 may select a predetermined financial transaction among at least one financial transaction that can be processed in response to the selected financial transaction financial account. A predetermined financial transaction selection interface screen for selecting a financial transaction is output (1425), and a predetermined financial transaction to be processed through the financial account for financial transaction is selected through the financial transaction interface screen (1430).

If a predetermined financial transaction to be processed through the financial transaction financial account is selected through the financial transaction selection interface screen (1435), the wireless terminal 1100 is predetermined financial transaction to be processed through the financial account for financial transaction. Outputting a financial transaction information input interface screen for inputting at least one financial transaction information corresponding to the corresponding data transaction (1440), and corresponding to a predetermined financial transaction to be processed through the financial account for financial transaction through the financial transaction information input interface screen; Check whether at least one financial transaction information is input (1445).

If all financial transaction information corresponding to a predetermined financial transaction to be processed through the financial account for financial transaction is input (1450), the wireless terminal 1100 is the financial account information for the financial transaction and the input at least one A financial transaction request message including financial transaction information is generated (1455), and the generated financial transaction request message is transmitted to the ledger server 1000 through the wireless communication network and / or the gateway and a predetermined dedicated network (1460). .

15 is a diagram illustrating an operation process of the ledger server 1000 for financial transactions using the ledger-based electronic passbook according to an embodiment of the present invention.

In more detail, in FIG. 15, the ledger server 1000 receiving the full text of a financial transaction request through the same process as in FIG. 14 may include at least one financial account information and at least one financial account information included in the full financial transaction request. The present invention relates to a method of processing a financial transaction corresponding to the financial transaction information through the financial account for financial transactions based on the transaction information. The financial transaction information through the financial transaction financial account based on the financial transaction financial account information and at least one financial transaction information included in the financial transaction request in the ledger server 1000 by referring to and / or transformed. Although various implementation methods for processing a financial transaction corresponding to the present invention may be inferred, the present invention may infer the implementation method. It includes all, and is not limited to the embodiment shown in FIG.

Hereinafter, the ledger server 1000 is referred to as "server" in FIG. 15 for convenience.

Referring to FIG. 15, the ledger server 1000 equipped with a financial transaction processing function using the ledger-based electronic bank account according to the present invention may be provided from at least one wireless terminal through the wireless communication network and / or gateway and a predetermined dedicated network. It is periodically checked whether a transaction request message is received (1500). If the financial transaction request message is received from a predetermined wireless terminal 1100 (1505), the server 1000 reads the financial transaction request message. Extracts predetermined financial account information and at least one financial transaction information (1510), and the ledger D / B 635 based on the extracted financial transaction information and at least one financial transaction information. In operation 1515, the financial transaction corresponding to the financial transaction information is processed through the financial account for the financial transaction.

If a financial transaction corresponding to the financial transaction information is processed through the financial account for financial transaction (1520), the server 1000 generates predetermined financial transaction history information including the financial transaction processing result (1525). And storing the generated financial transaction details in association with an account ledger corresponding to the financial transaction financial account of the ledger D / B 635 (1530), and predetermined financial including the financial transaction details. A transaction message is generated (1535), and the generated financial transaction message is transmitted to the wireless terminal 1100 through the wireless communication network and / or the gateway and a predetermined dedicated network (1540).

FIG. 16 is a diagram illustrating an operation process of the wireless terminal 1100 for completing a financial transaction using a ledger-based electronic bank account according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a ledger-based electronic bank account according to the present invention based on at least one financial transaction history information included in the financial transaction text in a wireless terminal that receives the financial transaction text through the same process as in FIG. 13. As a method for completing a financial transaction using the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to transfer the financial transaction from the wireless terminal 1100. Although it may be possible to infer various implementation methods for completing a financial transaction using the ledger-based electronic bank account according to the present invention based on the at least one financial transaction history information included, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 16, the wireless terminal 1100 that transmits the financial transaction request message to the ledger server 1000 through the process illustrated in FIG. 14 corresponds to the financial transaction request message from the ledger server 1000. Waits for a predetermined financial transaction text including at least one financial transaction history information to be received (1600), and includes the financial transaction processing result from the ledger server 1000 through the process illustrated in FIG. 15. When the predetermined financial transaction text including the predetermined financial transaction history information is received (1605), the wireless terminal 1100 reads the financial transaction text and the financial information contained in the financial transaction text on the wireless terminal screen. The transaction history information is output and / or the financial transaction history information is stored in the memory unit (1610).

Hereinafter, when a wire transfer (or wire transfer) transaction is performed based on a wireless IC chip mounted or deposited on the wireless terminal 1100, a predetermined Internet is transferred to the wireless terminal 1100 based on the ledger on the financial system 300. At least one deposit account information registered through the banking system, and / or at least one deposit account information registered through a predetermined telebanking system, and / or a financial terminal such as a predetermined teller terminal and / or CD / ATM. By providing at least one or more deposit account information registered through the at least one, it will be described by showing an implementation method for maximizing the convenience for the account transfer (or transfer transfer) transactions.

When a wire transfer (or wire transfer) transaction is performed in the wireless terminal 1100 based on a wireless IC chip linked to the ledger-based electronic bank account, the wireless terminal 1100 is transferred to the wireless terminal 1100 based on the ledger on the financial system 300. In order to provide the deposit account information, such as, the ledger included in the ledger D / B 635 provided in the DBMS 325 on the financial system 300, the predetermined deposit account information as shown in Figure 17a and / or 17b And / or the predetermined customer information (or the customer account information) and the payment account information are linked to the predetermined storage medium provided in the DBMS 325 as shown in FIGS. 18A and / or 18B. Characterized in that it is stored.

17A and 17B illustrate an information structure in which deposit account information is linked to a ledger provided in the DBMS 325 on the financial system 300 according to an embodiment of the present invention.

More specifically, FIGS. 17A and 17B are associated with at least one ledger and / or the ledger included in the ledger D / B 635 included in the DBMS 325 on the financial system 300 shown in FIG. As shown in FIG. 17a, the customer of the ledger D / B 635 shows a configuration of information linked to the deposit account information for providing an account transfer (or remittance transfer) transaction according to the present invention. It relates to an implementation method in which predetermined deposit account information for providing an account transfer (or remittance transfer) transaction in accordance with the present invention in a ledger, and Figure 17b is associated with the customer ledger of the ledger D / B (635) The present invention relates to an implementation method in which predetermined deposit account information for providing an account transfer (or wire transfer) transaction according to the present invention is linked to an account ledger.

Those skilled in the art to which the present invention pertains, the ledger D / B 635 provided in the DBMS (325) on the financial system 300, the customer ledger and account shown in Figure 17a and 17b It will be apparent that in addition to the ledger, there is further included at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers, In addition, since it will be familiar with the specific technical matters, a detailed description thereof will be omitted for convenience.

In addition, if the person of ordinary skill in the art to which the present invention belongs, reference to and / or modify the present drawings 17a and 17b within the scope not to violate the core technical matters of the present invention, the transfer account according to the present invention (Or remittance transfer) Various implementation methods for providing a transaction may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 17A and 17B.

17A and 17B, the customer ledger includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a regional classification code, a telephone number, a business number, a business name. , Classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, Usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like. Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

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

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

Referring to FIG. 17A, a list of deposit account information including at least one deposit account number and / or deposit account alias and / or deposit bank in the customer ledger to provide an account transfer (or wire transfer) transaction according to the present invention. Characterized in that for storing the linkage process.

According to the method of the present invention, the deposit account number and the deposit bank of the deposit account information is preferably processed in the form of a number of letters, the deposit account alias of the deposit account information, as well as the number of letters, a predetermined English / Korean It is preferable to be processed through a character (for example, a character based on an English ASCII code and / or a Korean KSC5601 code).

When registering, adding, and updating the deposit account information, when a terminal device (for example, CD / ATM) that registers the deposit account information has a limited character input function, the deposit account alias of the deposit account information Is omitted and stored in association with the customer ledger of the ledger D / B 635, and / or the financial product name corresponding to the deposit account is confirmed by opening the deposit account, and / or If the deposit account is opened in the other row but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial co-operation network, the deposit account alias of the deposit account information is the finance corresponding to the deposit account. It can be automatically processed by brand name, by which the present invention is not limited.

In addition, even if the terminal device for registering the deposit account information is not limited in the character input function, in order to easily process the deposit account alias registration of the deposit account information, the deposit account alias of the deposit account information is omitted, and / Or it may be automatically processed with a financial product name corresponding to the deposit account, thereby the present invention is not limited.

According to an embodiment of the present invention, the deposit account information is preferably extracted from a financial transaction system corresponding to Internet banking and stored in association with the customer ledger of the ledger D / B 635, in the Internet banking. When the deposit account information is newly registered, added, updated, and deleted in a corresponding financial transaction system, the deposit account information linked to the customer ledger is also newly registered, added, updated, and deleted.

In addition, the deposit account information processed in connection with the customer ledger of the ledger D / B 635 through the financial transaction system corresponding to the Internet banking, the teller terminal and / or CD / ATM-based financial transaction system, and / or A financial transaction system corresponding to the internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / or a financial transaction corresponding to wireless IC chip-based wireless banking It is possible to add, update, and delete through at least one financial transaction system of the system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the deposit account information is registered through the teller terminal at the request of the customer at the time of an account transfer (or remittance transfer) transaction using the teller terminal of the ledger D / B 635. Preferably, it is stored in connection with the customer ledger, and the payment account information linked to the customer ledger of the ledger D / B 635 through the teller terminal is the teller terminal and / or CD / ATM based financial transaction system. A financial transaction system corresponding to the Internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / or a financial IC chip-based wireless banking It is possible to add, update and delete through at least one financial transaction system of the trading system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the deposit account information is registered through a predetermined customer confirmation procedure when performing a wire transfer (or wire transfer) transaction using a CD / ATM, and is a customer of the ledger D / B 635. Preferably, it is stored in association with the ledger, and the deposit account information linked with the customer ledger of the ledger D / B 635 through the CD / ATM is the counter terminal and / or the CD / ATM-based financial transaction system. A financial transaction system corresponding to the Internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / or a financial IC chip-based wireless banking It is possible to add, update and delete through at least one financial transaction system of the trading system, whereby the present invention is not limited.

In the case where the deposit account information is linked to and stored in the customer ledger of the ledger D / B 635 through the CD / ATM, the CD / ATM is limited in character input, so that the deposit account information is deposited. The account alias may be omitted once, and stored in association with the customer ledger of the ledger D / B 635. Then, the deposit account alias of the deposit account information may be a letter terminal-based financial transaction system. And / or a financial transaction system corresponding to the internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / or wireless IC chip-based wireless banking. The deposit account alias may be added, changed, or deleted through at least one financial transaction system.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

In the case of storing and storing the deposit account information in the customer ledger of the ledger D / B 635 through the CD / ATM, the financial product name corresponding to the deposit account is established by opening the deposit account. Or / or when the deposit account is opened in another line, but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network, the deposit account alias of the deposit account information. May be automatically processed with a financial product name corresponding to the deposit account, and the deposit account alias of the deposit account information may be a window terminal-based financial transaction system capable of text input, and / or a financial transaction system corresponding to the internet banking. And / or financial transaction systems corresponding to telebanking, and / or financial transaction systems corresponding to WAP-based wireless banking, and / or no IC chip based wireless banking, financial transaction system the account nickname deposit through at least one or more financial transaction system of the corresponding to this can be added, changed, and deleted.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

According to another exemplary embodiment of the present invention, the deposit account information corresponds to a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / or a wireless IC chip-based wireless banking. In the case of an account transfer (or remittance transfer) transaction through at least one financial transaction system of the financial transaction system, it is registered through a predetermined customer verification procedure and stored in association with the customer ledger of the ledger D / B 635. Preferably, the deposit account information processed in connection with the customer ledger of the ledger D / B 635 through any one or more of the financial transaction system, the teller terminal and / or CD / ATM-based financial transaction system, A financial transaction system corresponding to the internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction corresponding to WAP-based wireless banking. It is possible to be added, updated and deleted through at least one or more financial transaction system of the stem, and / or financial transaction system corresponding to the wireless IC chip-based wireless banking, the present invention is not limited thereto.

Referring to FIG. 17B, at least one deposit account number and / or deposit account alias and / or deposit bank is included in an account ledger associated with the customer ledger to provide an account transfer (or wire transfer) transaction according to the present invention. It characterized in that the deposit account information to be processed in association with the list.

According to the method of the present invention, the deposit account number and the deposit bank of the deposit account information is preferably processed in the form of a number of letters, the deposit account alias of the deposit account information, as well as the number of letters, a predetermined English / Korean It is preferable to be processed through a character (for example, a character based on an English ASCII code and / or a Korean KSC5601 code).

When registering, adding, and updating the deposit account information, when a terminal device (for example, CD / ATM) that registers the deposit account information has a limited character input function, the deposit account alias of the deposit account information Is omitted and then processed and stored in association with the account ledger associated with the customer ledger of the ledger D / B 635, and / or the deposit account is opened in the bank to confirm the financial product name corresponding to the deposit account. Or, and / or when the deposit account is opened in the other party, but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network, the deposit account alias of the deposit account information is the deposit. It may be automatically processed with a financial product name corresponding to the account, whereby the present invention is not limited.

In addition, even if the terminal device for registering the deposit account information is not limited in the character input function, in order to easily process the deposit account alias registration of the deposit account information, the deposit account alias of the deposit account information is omitted, and / Or it may be automatically processed with a financial product name corresponding to the deposit account, thereby the present invention is not limited.

According to an embodiment of the present invention, the deposit account information is preferably extracted from a financial transaction system corresponding to Internet banking and stored in association with the account ledger associated with the customer ledger of the ledger D / B 635. In the case of newly registering, adding, updating and deleting the deposit account information in the financial transaction system corresponding to the internet banking, the deposit account information linked to the account ledger associated with the customer ledger is also newly registered, added, updated and It is preferably deleted.

In addition, the deposit account information associated with the account ledger associated with the customer ledger of the ledger D / B 635 through the financial transaction system corresponding to the Internet banking, the window terminal and / or CD / ATM-based financial transactions A system, and / or a financial transaction system corresponding to the Internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP based wireless banking, and / or a wireless IC chip based wireless banking. It is possible to be added, updated and deleted through at least one or more financial transaction system of the financial transaction system corresponding to the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the deposit account information is registered through the teller terminal at the request of the customer at the time of an account transfer (or remittance transfer) transaction using the teller terminal of the ledger D / B 635. It is preferable to be stored in connection with the account ledger associated with the customer ledger, the deposit account information linked to the account ledger associated with the customer ledger of the ledger D / B 635 through the teller terminal, the teller terminal And / or a CD / ATM based financial transaction system, a financial transaction system corresponding to the internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP based wireless banking, and / or It is possible to add, update and delete through at least one financial transaction system of the financial transaction system corresponding to the wireless IC chip-based wireless banking, thereby limiting the present invention It does.

According to another exemplary embodiment of the present invention, the deposit account information is registered through a predetermined customer confirmation procedure when performing a wire transfer (or wire transfer) transaction using a CD / ATM, and is a customer of the ledger D / B 635. It is preferable to be stored in connection with the ledger associated with the ledger, and the deposit account information linked to the ledger associated with the customer ledger of the ledger D / B 635 through the CD / ATM is the counter terminal. And / or a CD / ATM based financial transaction system, a financial transaction system corresponding to the internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP based wireless banking, and / or It is possible to be added, updated and deleted through at least one financial transaction system of the financial transaction system corresponding to the wireless IC chip-based wireless banking, thereby the present invention is not limited.

In the case where the deposit account information is linked to and stored in the account ledger associated with the customer ledger of the ledger D / B 635 through the CD / ATM, the CD / ATM is limited in character input. After the payment account alias of the deposit account information is omitted, it may be stored and processed in association with the account ledger associated with the customer ledger of the ledger D / B 635, after which the deposit account alias of the deposit account information is entered as a character. Said window terminal-based financial transaction system, and / or a financial transaction system corresponding to said internet banking, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / Or the deposit account alias can be added, changed and deleted through at least one financial transaction system of the financial transaction system corresponding to the wireless IC chip-based wireless banking. .

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

In the case of storing and storing the deposit account information linked to the account ledger associated with the customer ledger of the ledger D / B 635 through the CD / ATM, the deposit account is opened in the bank and thus the deposit account is opened. If the financial product name corresponding to the bank account name can be confirmed, and / or if the deposit account is opened in another party, but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network, the deposit account The deposit account alias of the information may be automatically processed into a financial product name corresponding to the deposit account, and then the deposit account alias of the deposit account information may be inputted to the teller terminal-based financial transaction system and / or to the Internet banking. A corresponding financial transaction system, and / or a financial transaction system corresponding to telebanking, and / or a financial transaction corresponding to WAP-based wireless banking It is possible that the system, and / or the deposit account alias added, changed, and deleted through the banking system of at least one or more financial transaction system corresponding to the wireless IC chip based wireless banking.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

According to another exemplary embodiment of the present invention, the deposit account information corresponds to a financial transaction system corresponding to telebanking, and / or a financial transaction system corresponding to WAP-based wireless banking, and / or a wireless IC chip-based wireless banking. In the case of an account transfer (or remittance transfer) transaction through at least one financial transaction system, which is registered through a predetermined customer verification procedure, linked with the account ledger associated with the customer ledger of the ledger D / B 635. It is preferable to process and store, and the deposit account information processed in connection with the account ledger associated with the customer ledger of the ledger D / B 635 through at least one financial transaction system of the financial transaction system, the counter terminal and And / or a CD / ATM based financial transaction system, a financial transaction system corresponding to the internet banking, and / or a financial transaction system corresponding to telebanking, and / or a WAP It is possible to be added, updated, and deleted through at least one financial transaction system corresponding to a semi-wireless banking, and / or a financial transaction system corresponding to wireless IC chip-based wireless banking, thereby limiting the present invention. Not.

18A and 18B are information structures obtained by linking and processing customer information (or customer account information) and deposit account information to a storage medium 1800 provided in the DBMS 325 on the financial system 300 according to an embodiment of the present invention. Figure is a diagram.

In more detail, FIGS. 18A and 18B show predetermined customer information (or customer account information) and the present invention in a predetermined storage medium 1800 provided in the DBMS 325 on the financial system 300 shown in FIG. As shown in FIG. 18A, the information structure in which the deposit account information for providing an account transfer (or remittance transfer) transaction is processed is linked. Specifically, FIG. 18A shows the customer information corresponding to the customer ledger of the ledger D / B 635. The embodiment of the present invention relates to an implementation method in which the deposit account information for providing an account transfer (or remittance transfer) transaction according to the present invention is linked. It relates to an implementation method in which the deposit account information for providing an account transfer (or remittance transfer) transaction in accordance with the present invention.

18A and 18B show that it is not easy to link the deposit account information to the ledger information of the ledger D / B 635 provided in the DBMS 325 on the financial system 300 shown in FIG. (For example, if it is not easy to change the ledger D / B 635 of the DBMS 325 due to the policy of the financial institution, or the system expansion is not easy due to the characteristics of the financial system 300), the ledger D / B Instead of the method 635, a method of providing the same effect as the process of linking the deposit account information to the ledger information of the ledger D / B 635 as shown in FIGS. 17A and 17B through a predetermined storage medium 1800. It is about.

Persons of ordinary skill in the art to which the present invention pertains can make an account transfer according to the present invention by referring to and / or modifying the drawings 18a and 18b without departing from the core technical matters of the present invention. It is possible to infer various implementation methods for providing a transfer transfer) transaction, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 18A and 18B.

Referring to FIG. 18A, the storage medium 1800 stores predetermined customer information and deposit account information in association with each other, and the customer information is stored in the customer ledger provided in the ledger D / B 635. It is preferable to correspond to.

In FIG. 18A, the customer information stored in the storage medium 1800 may include personal information such as a depositor's name, social security number, address, mobile phone number, e-mail address, and the like. It is preferable to include a deposit account number, a deposit account alias, and / or a deposit bank.

According to another embodiment of the present invention, when the ledger D / B 635 of the DBMS 325 and the storage medium 1800 according to the present invention are linked, the customer information shown in FIG. 18A may be omitted. In this case, the deposit account information stored in the storage medium 1800 may be linked to the customer ledger of the ledger D / B 635 in a relational manner, and the present invention is not limited thereto.

Referring to FIG. 18B, the storage medium 1800 stores predetermined customer account information and deposit account information in association with each other, and the customer account information is provided in the ledger D / B 635. It is preferable to correspond to a predetermined account ledger.

In FIG. 18B, the customer account information stored in the storage medium 1800 may include financial account information such as an account holder name, an account number, a branch, an account balance, and the like. It is preferable to include a deposit account number, a deposit account alias, and / or a deposit bank.

According to another embodiment of the present invention, when the ledger D / B 635 of the DBMS 325 and the storage medium 1800 according to the present invention are linked, the customer account information shown in FIG. 18B may be omitted. In this case, the deposit account information stored in the storage medium 1800 may be linked to the account ledger of the ledger D / B 635 in a relational manner, and the present invention is not limited thereto.

Hereinafter, the technical features of the present invention will be described based on an embodiment in which predetermined deposit account information is linked to the ledger information as shown in FIGS. 17A and / or 17B.

However, the technical feature of the present invention is not limited to that the deposit account information is processed in association with the ledger information, and as shown in Figures 18a and / or 18b, the deposit account information is stored in a predetermined storage medium. It may be stored in association with the customer information and / or customer account information.

19 is a view showing a preferred configuration of the Internet banking system for registering the deposit account information in accordance with an embodiment of the present invention.

In more detail, FIG. 19 shows a DBMS 325 of a financial system 300 in a predetermined Internet banking server 1900 based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based network (eg, the Internet). In the Internet banking system for providing an Internet banking service to at least one client terminal based on the ledger information of the ledger D / B (635), the payment account information provided in the Internet banking system of the financial system 300 An embodiment of the present invention relates to a method of performing cooperative processing with ledger information of a ledger D / B 635 provided in a DBMS 325. The Internet banking system includes at least one client terminal having a web browser, and at least one Internet banking server 1900 for providing an Internet banking service to a client terminal, the Internet banking server 1900 is a predetermined inter- To provide the banking services through the device means is associated with the financial system (300) for processing the necessary financial services.

Those skilled in the art to which the present invention pertains, since the Internet banking system shown in FIG. 19 does not include the core technical matters of the present invention, components that are omitted for convenience (eg, accredited certificate authentication procedures). It is possible to easily guess the authentication server to perform, but the present invention is not limited by the omitted components.

The client terminal is connected to the Internet banking server 1900 based on a TCP / IP-based wired communication function and the wired communication function, and includes a desktop having at least one web browser for receiving a browsing-based wired web service. Desktop) characterized in that it comprises a wired terminal including at least one computer and / or notebook (Notebook).

The internet banking server 1900 stores a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one client terminal, and / or the financial system. A data server provided with a DBMS 1935 including a database for storing internet banking information required to provide a predetermined internet banking service in association with 300, or the DBMS 1935 according to an implementation method; It is characterized in that the interworking, whereby a predetermined Internet banking service is provided to at least one or more of the client terminal.

According to an exemplary embodiment of the present invention, the Internet banking information may include at least one client terminal after confirming a customer corresponding to the client terminal when the at least one client terminal accesses and logs in the Internet banking server 1900. While receiving the financial transaction-related information and / or refer to the DBMS 325 on the financial system 300 to access the ledger information corresponding to the customer and at least while providing the Internet banking service It is preferable to include at least one or more deposit account information registered from one or more client terminals, at least one or more information necessary for Internet banking may be further included according to the intention of the skilled person, but this is omitted for convenience in FIG. 19.

Referring to FIG. 19, the Internet banking server 1900 may include a web interface unit for connecting and managing a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing a predetermined Internet banking service to at least one client terminal ( 1905, a web page operating unit 1915 for operating a web page to be provided to at least one or more client terminals in cooperation with the web interface unit 1905 and the DBMS 1935, and the web page operating unit 1915. ) A UI processing unit (1910) for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal in cooperation with the at least one client terminal, and the DBMS (in conjunction with the UI processing unit 1910). Extract the predetermined content for providing the Internet banking service from the 1935, or from the client terminal to be stored in the DBMS (1935) And a content management unit 1920 for receiving definition content, and a communication channel for processing internet banking based on HTTP between the client terminal and the internet banking server 1900 by the function configuration. The user interface is implemented.

In addition, the internet banking server 1900 may provide a financial transaction related interface screen to at least one client terminal by interworking with the webpage operation unit 1915 through a UI processor 1910 based on the internet banking information, And a banking processor 1925 provided with at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 1900 is provided with at least one ledger information for providing an Internet banking service to a customer corresponding to the client terminal with reference to the financial system 300 through a predetermined interface means, the banking And a ledger processing unit 1930 for providing financial transaction information provided from the client terminal through the processing unit 1925 to the financial system 300 through the interface means so that the financial transaction is processed. To this end, the ledger processing unit 1930 is preferably connected to the external system 305 of the financial system 300 through the interface means.

When the validity of the customer corresponding to the client terminal connected to the Internet banking server 1900 is confirmed by the banking processor 1925 (eg, when the customer is authenticated based on the certificate), the ledger processor 1930 Provides the customer information to the external system 305 of the financial system 300 through the interface means, and the Internet banking unit 1900 of the external system 305 (for example, the financial system 300). Ledger server linked to) provides predetermined ledger information including the financial account information corresponding to the customer from the ledger D / B (635) provided in the DBMS (325) to the ledger processor 1930.

Thereafter, the ledger processing unit 1930 provides the financial account information to the banking processing unit 1925, and the banking processing unit 1925 is linked with the webpage operation unit 1915 through the UI processing unit 1910. Including the financial account information on the Internet banking user interface screen of the client terminal to provide a financial transaction information input interface for processing a predetermined financial transaction.

In addition, valid financial transaction information (eg, financial transaction information validated through an authentication certificate and / or a security card) is input from the client terminal through the Internet banking user interface screen, and provided to the banking processor 1925. The banking processor 1925 provides the financial account information and the financial transaction information of the customer to the ledger processing unit 1930, and the ledger processing unit 1930 provides the financial account information and the financial transaction information to the financial system ( 300 to the external system 105.

Thereafter, the Internet banking unit (eg, a ledger server interworking with the Internet banking server 1900 on the financial system 300) of the external system 105 is connected to the ledger D / B 635 provided in the DBMS 325. Process a financial transaction corresponding to the financial transaction information in association with the financial account, provide a predetermined financial transaction history including the financial transaction processing result to the ledger processing unit 1930, and the ledger processing unit 1930 ) Provides the financial transaction details to the banking processing unit 1925, and the banking processing unit 1925 interlocks with the webpage operation unit 1915 through the UI processing unit 1910 to the client terminal. To provide.

Referring to FIG. 19, the financial system 300 accesses a DBMS 1935 on the Internet banking system through the interface means, and provides at least one deposit account information provided and stored from a predetermined client terminal used by the financial transaction customer. Information registration server (1940) (600) including an information extraction unit (1945) for extracting the information, and an information storage unit (1950) for storing the extracted deposit account information in association with the ledger information corresponding to the financial transaction customer. ) Is provided, the transfer account information of a specific customer previously stored in the Internet banking system by the information registration server 1940 is transferred to the ledger D / B 635 on the financial system 300 do.

According to another exemplary embodiment of the present invention, the information storage unit 1950 may process the deposit account information extracted from the Internet banking system in association with customer information corresponding to the financial transaction customer and store the information in a predetermined storage medium, and And / or the extracted deposit account information may be stored in a predetermined storage medium in association with the customer account information of the financial transaction customer, and thus the present invention is not limited thereto.

20 is a diagram illustrating a process of transferring and registering deposit account information registered in an internet banking system to the ledger D / B 635 on the financial system 300 according to an embodiment of the present invention.

In more detail, in FIG. 20, in the Internet banking system and the financial system 300 shown in FIG. 19, the information registration server 1940 is periodically connected to the DBMS 1935 of the Internet banking system through the interface means. The present invention relates to a method of extracting deposit account information corresponding to a specific financial transaction customer, and storing the extracted deposit account information in association with the ledger information corresponding to the financial transaction customer. For those skilled in the art, various embodiments of referring and / or modifying this drawing 20 to transfer the deposit account information previously registered in the Internet banking system to the ledger D / B 635 on the financial system 300. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 20, the information registration server 1940 shown in FIG. 19 is referred to as "server" for convenience.

Referring to FIG. 20, the server 1940 extracts deposit account information for a specific financial transaction customer from the Internet banking system, and confirms whether to perform an information registration procedure for storing the transaction information in association with the ledger information of the financial transaction customer. (2000).

According to an exemplary embodiment of the present invention, the information registration procedure is based on the deposit account information registration policy of the financial system 300 the financial account information of at least one customer previously registered in the Internet banking server (1900) It is preferable to transfer to the system 300 and register. In this case, at least one customer-specific deposit account information previously registered in the Internet banking system is collectively transferred to the financial system 300.

According to another exemplary embodiment of the present invention, the information registration procedure is to transfer the payment account information corresponding to the financial transaction customer to the financial system 300, when a predetermined financial transaction customer financial transactions through the Internet banking system. It is desirable to register by registering.

If the verification result confirms that the deposit account information for a specific financial transaction customer is transferred to the financial system 300 and registered from the internet banking system (2005), the server 1940 is led by the server on the financial system 300. The information registration target ledger information (eg, a customer ledger corresponding to a financial transaction customer) is extracted from the D / B 635 (2010), and the DBMS 325 of the Internet banking system is accessed based on the ledger information. The deposit account information registered in correspondence with the financial transaction customer is extracted from the Internet banking information registered in the internet banking system (2015), and the extracted deposit account information is stored in the ledger information (for example, a customer corresponding to the financial transaction customer). Ledger, and / or the account ledger associated with the customer ledger) and stored in 2020.

According to another exemplary embodiment of the present invention, the server 1940 may process the deposit account information extracted from the Internet banking system in association with customer information corresponding to the financial transaction customer and store it in a predetermined storage medium, and / or The extracted payment account information may be stored in a predetermined storage medium by being processed in association with the customer account information of the financial transaction customer, and thus the present invention is not limited thereto.

21 is a diagram showing a deposit account information providing and registration system according to an embodiment of the present invention.

In more detail, FIG. 21 illustrates a process of transferring a bank account (or a bank account) from the financial system 300 while a predetermined wireless terminal and a financial system 300 interoperate with each other to perform a predetermined account transfer (or remittance) transaction procedure. The present invention relates to an implementation method of storing and depositing predetermined deposit account information used for wire transfer in association with ledger information corresponding to the financial transaction. Ledger information corresponding to the financial transaction to the predetermined deposit account information used in the transfer (or transfer) in the financial system 300 in the process of the transfer (or transfer) transaction by referring to and / or modified Although various system configurations may be inferred in association with and stored in the present invention, the present invention includes all the system configurations inferred, and It shall not be limited to the system configuration.

Hereinafter, in order to efficiently explain the technical features of the present invention in the embodiment, the predetermined financial transaction procedure is performed in connection with a predetermined wireless terminal on the financial system 300, and also providing and registering deposit account information according to the present invention. A component that performs a function is referred to as a "ledger server 2100" for convenience, and the ledger server 2100 may interoperate with the wireless terminal and / or the Internet banking system and / or the telebanking system for the deposit account information. It is desirable to perform the add, change and delete functions.

That is, the ledger server 2100 may be at least one or more servers (or devices) that perform financial transactions and / or deposit account information provision and registration functions according to the present invention on the financial system 300, and / or It may be a program, whereby the present invention is not limited.

The deposit account information providing and registration system includes at least one or more wireless terminals on which the wireless IC chip is mounted or detached, an internet banking server 1900 on an internet banking system, and / or a telebanking server on a telebanking system. The wireless terminal and / or the Internet banking server 1900 and / or the telebanking server, etc. may be provided for a predetermined financial transaction according to the present invention and / or for providing and registering deposit account information according to the present invention. Corresponds to the trading medium.

Those skilled in the art to which the present invention pertains will clearly understand the technical features of the financial transaction medium, and thus the detailed description thereof will be omitted for convenience.

In addition, the deposit account information providing and registration system connects a predetermined communication channel with at least one financial transaction medium, and through the communication channel the predetermined financial transaction with the financial transaction medium and / or deposit account information according to the present invention. And a ledger D / B 635 storing ledger information corresponding to a financial account opened to the customer.

Referring to FIG. 21, the ledger server 2100 may be provided to a predetermined financial transaction and / or the present invention with a wireless terminal in which the wireless IC chip is mounted or detached through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network. A predetermined financial transaction with an internet banking server 1900 on an internet banking system, and / or a telebanking server on a telebanking system, by connecting a communication channel for providing and registering a deposit account information, and / or via a predetermined interface means And / or an interface unit 2105 for connecting a communication channel for providing and registering deposit account information according to the present invention.

The interface unit 2105 may include at least one wireless terminal provided at at least one or more points operated by the financial institution through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network, and the predetermined financial transaction and / or the present invention. Internet banking server 1900 on the Internet banking system, and / or a telebanking server on the telebanking system via a predetermined communication channel, and / or via a predetermined interface means. It is characterized by connecting a communication channel for providing and registering financial account and / or deposit account information according to the present invention, and maintains and manages the connected communication channel.

The communication channel connected and managed by the interface unit 2105 includes at least one financial system 300 and a wireless terminal and / or an internet banking server 1900 and / or a telebanking server provided in the financial institution. A communication channel connected between a financial transaction medium through a dedicated communication network, and according to an exemplary embodiment of the present invention, at least one or more telegrams corresponding to at least one financial transaction service defined between the financial transaction medium and the ledger server are transmitted and received. It is preferable to include a transaction protocol for doing so, and the transaction protocol (and / or a specialized structure corresponding to the transaction protocol) may be determined according to the financial transaction type of each financial institution and the platform characteristics of the financial system 300. It can be defined and used in various ways, and adopted by a specific financial system 300. The present invention is not limited by transaction protocols (and / or specialized structures corresponding to transaction protocols).

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

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

In addition, the ledger server is a predetermined financial transaction and / or present from a financial transaction medium including at least one of the wireless terminal and / or the Internet banking server 1900 and / or a tele banking server through the interface unit 2105 Received through the information receiving unit 2115 for receiving a full text for providing and registering the payment account information according to the invention, the financial transaction unit 2120 for performing a financial transaction procedure corresponding to the full text, and the information receiving unit 2115 If the full text corresponding to the bank transfer (or wire transfer), the information extraction unit 2125 for extracting a deposit account number from the full text, and in conjunction with the ledger D / B 635 based on the deposit account number An information checking unit 2130 for confirming that the deposit account information corresponding to the deposit account number is stored in connection with the ledger information; and the deposit corresponding to the deposit account number If the account information is not stored in advance in association with the ledger information, the information generating unit for generating the deposit account information registration request information for each financial transaction medium, and the deposit account information registration request information by the financial transaction unit And an information transmission unit 2110 for transmitting to the financial transaction medium through the interface unit 2105 in addition to the processed financial transaction details, and through the information receiving unit 2115. When the deposit account information registration information corresponding to the deposit account information registration request information is received from the information storage unit 2140 for storing the deposit account information in association with the ledger information, characterized in that it further comprises.

The information receiver 2115 receives a predetermined financial transaction and / or from a financial transaction medium including at least one of the wireless terminal and / or the internet banking server 1900 and / or the telebanking server through the interface unit 2105. Receiving a full text for providing and registering payment account information according to the present invention, and provides the financial account information and financial transaction information included in the received full text to the financial transaction unit.

According to an exemplary embodiment of the present invention, financial transaction procedures such as financial transactions using wireless IC chip-based financial transactions (eg, financial transactions using an electronic bankbook provided in the wireless IC chip) and / or wireless IC chip-based wireless banking are collectively performed. When processing (for example, when the financial terminal reads the financial account information from the wireless IC chip in the wireless terminal, receives predetermined financial transaction information and transmits it to the financial system 300 collectively to process the financial transaction), the information receiving unit 2115 ) Is a full text including financial account information read from the wireless IC chip from a financial transaction medium including at least one wireless terminal and financial transaction information input through a predetermined information input device (and / or key input device). It is desirable to receive.

According to another embodiment of the present invention, a financial transaction procedure such as MS card-based financial transaction, and / or financial transaction using internet banking, financial transaction using tele banking, and / or financial transaction using WAP-based wireless banking is sequential. Is processed (for example, when the wireless terminal requests financial account information for financial transactions corresponding to a predetermined financial account number and / or customer information from the financial system 300, the financial system 300 to the wireless terminal). Providing financial account information for the financial transaction, and transmitting the financial account information for the financial transaction and financial transaction information corresponding to a predetermined financial transaction to the financial system 300 to process the financial transaction; The information receiver 2115 may provide a predetermined financial system from the wireless terminal and / or the internet banking server 1900 and / or the tele banking server. Receive a full text including a left number (e.g., a financial account number read from an MS card) and / or customer information; The process of extracting the corresponding financial transaction financial account information and transmitting the extracted financial account information to the wireless terminal and / or the internet banking server 1900 and / or the telebanking server is preceded by the information receiving unit 2115. And / or a financial transaction input through the financial account information and information input device (and / or key input device) for financial transaction from a financial transaction medium including at least one or more Internet banking server 1900 and / or a telebanking server. It is desirable to receive the full text containing the information.

In particular, when the financial transaction procedure is sequentially processed, the information transmission unit 2110 extracts the financial account information for the financial transaction to the wireless terminal and / or the Internet banking server 1900 and / or telebanking. In the process of transmitting to the server, the deposit account information stored in association with the ledger information of the ledger D / B (635) is included in the financial account information for the financial transaction to the wireless terminal and / or the Internet banking server (1900) and And / or transmitted by transmission to a telebanking server, whereby the transaction at the time of transfer (or transfer) according to the invention in the wireless terminal and / or the internet banking server 1900 and / or the telebanking server, It is possible to conveniently select a deposit account based on the deposit account information.

The information extracting unit 2125 reads the full text received through the information receiving unit 2115, and checks whether the full text received from the financial transaction medium corresponds to an account transfer (or wire transfer) transaction. When the full text corresponds to an account transfer (or wire transfer) transaction, the financial account information and the deposit account number of the financial transaction information included in the received full text are extracted. The account number is provided to the information verification unit 2130.

According to another exemplary embodiment of the present invention, the information extracting unit 2125 extracts only the deposit account number included in the financial transaction information from the preamble corresponding to the bank transfer (or wire transfer) transaction and the information checking unit ( 2130), whereby the present invention is not limited.

The information checking unit 2130 searches for the ledger D / B 635 based on the financial account information provided from the information extracting unit 2125 to retrieve predetermined ledger information in which the account transfer (or wire transfer) transaction is performed. And confirming whether or not the deposit account information including the deposit account number is present in the deposit account information linked to the ledger information based on the deposit account number.

According to another exemplary embodiment of the present invention, the information extracting unit 2130 extracts only the deposit account number included in the financial transaction information from the preamble corresponding to the bank transfer (or wire transfer) transaction and the information checking unit ( 2130, and in this case, the information confirming unit 2130 confirms the ledger information through which the financial transaction is made by the financial transaction unit 2120, and processes the linked ledger information based on the deposit account number. It is possible to confirm whether the deposit account information including the deposit account number is present in the deposit account information, whereby the present invention is not limited.

When the payment account information corresponding to the deposit account number is not stored in association with the ledger information as a result of the confirmation by the information confirming unit 2130, the information generating unit 2135 sends the deposit to the financial transaction customer. And generating deposit account information registration request information for requesting to store the deposit account information corresponding to the account number in association with the ledger information.

According to the method of the present invention, the deposit account information registration request information is preferably generated corresponding to each financial transaction medium.

For example, if the financial transaction medium is a wireless terminal, the deposit account information registration request information is transmitted to the wireless terminal and outputted, and preferably includes a structure for obtaining the deposit account information registration approval from the financial transaction customer. If the financial transaction medium is the Internet banking server 1900, the deposit account information registration request information is transmitted to the client terminal through the internet banking server 1900 and outputted, and the deposit account information is registered from the financial transaction customer. It is preferable to include a structure that can obtain the approval, if the financial transaction medium is a telebanking server, the deposit account information registration request information is voice output to a landline telephone and / or a wireless telephone through the telebanking server, The deposit account information, etc. from the financial transaction customer It comprises a structure that can deukhal approval is preferred.

The financial transaction unit 2120 may correspond to the financial transaction information in association with the ledger D / B 635 based on the financial account information and the financial transaction information included in the full text received through the information receiver 2115. And performing a financial transaction procedure. After performing the financial transaction procedure, predetermined financial transaction detail information including the financial transaction processing result is generated and provided to the information transmission unit.

The information transmission unit 2110 generates a predetermined message including financial transaction history information provided from the financial transaction unit 2120 and the wireless terminal and / or the Internet banking server 1900 through the interface unit 2105. And / or to a financial transaction medium including at least one or more tele-banking servers, and in generating the full text including the financial transaction history information, the predetermined information is generated by the information generation unit 2135. When the deposit account information registration request information for each transaction medium is generated, a full text including the financial transaction history information and the deposit account information registration request information may be generated and transmitted to the financial transaction medium.

When the information transmission unit 2110 generates and transmits a full message including the financial transaction history information and the deposit account information registration request information to the financial transaction medium, the information transmission unit 2110 receives the full message from the financial transaction medium through the information receiving unit 2115. The predetermined deposit account registration information corresponding to the deposit account information registration request information may be received.

The deposit account registration information includes deposit account information including the deposit account number and a deposit account alias input from the financial transaction medium and / or a deposit bank in which the deposit account is opened, and the deposit account information is stored in the deposit account information. It is preferable to further comprise a command to be stored in association with the ledger information.

When the predetermined deposit account registration information corresponding to the deposit account information registration request information is received from the predetermined financial transaction medium through the information receiving unit 2115, the information storage unit 2140 is included in the deposit account registration information. Characterized in that the deposit account information is processed in association with the ledger information and stored in the ledger D / B (635), the registered deposit account information is not only a financial transaction medium for registering the deposit account information, but also other financial transactions When a predetermined account transfer (or wire transfer) transaction in the medium, it is characterized in that it is provided to the financial transaction medium.

Hereinafter, when an account transfer (or remittance) transaction request is made from the wireless terminal illustrated in FIG. 21 to the financial system 300, a deposit corresponding to the account transfer (or remittance transfer) transaction is performed by the financial system 300. A preferred implementation method for storing account information in association with the ledger information will be described.

Those skilled in the art to which the present invention pertains may refer to the following embodiments to transfer (or transfer) from the Internet banking server 1900 and / or the telebanking server to the financial system 300 in the financial transaction medium. Remittance transfer) When requesting a transaction, various financial methods may be inferred by the financial system 300 to store the deposit account information corresponding to the wire transfer (or remittance transfer) transaction in association with the ledger information. The present invention is not limited by this.

22 is a diagram illustrating an operation process of a wireless terminal for initiating a financial transaction according to one embodiment of the present invention.

More specifically, FIG. 22 illustrates a process of collectively initiating a financial transaction procedure based on a wireless IC chip having predetermined financial account information in a predetermined wireless terminal, and has a general knowledge in the technical field to which the present invention belongs. If one grows up, it is possible to infer various implementation methods in which a financial transaction procedure is initiated based on a wireless IC chip by referring to and / or modifying the drawing 22, but the present invention includes all the inferred implementation methods. The invention is not limited to the implementation method shown in 22.

Referring to FIG. 22, the wireless terminal reads predetermined financial account information for a financial transaction from a predetermined wireless IC chip (2200). For this purpose, the wireless terminal uses the wireless IC based on a personal identification number (PIN). The process of checking the validity of the chip (not illustrated) and / or selecting a financial account for financial transactions among the plurality of financial accounts may be further performed (not illustrated).

When the financial account information is read as described above, the wireless terminal inputs at least one financial transaction information corresponding to the financial account through a predetermined information input device (and / or key input device) (2205), and the financial Generate a predetermined financial transaction request message including account information and financial transaction information (2210), and generate the generated financial transaction request message through the predetermined wireless communication network and / or the gateway and the predetermined dedicated network. It transmits to the ledger server on the server (2215).

23A and 23B illustrate an operation process of a ledger server that processes a financial transaction according to an embodiment of the present invention.

In more detail, FIGS. 23A and 23B illustrate the transfer of money (or remittance) when the full text of a financial transaction request corresponds to an account transfer (or wire transfer) in a ledger server that receives the financial transaction request message as shown in FIG. 22. Transfer) is a method of performing a deposit account information registration process according to the present invention while processing a transaction, if the person of ordinary skill in the art to which the present invention belongs, reference and / or this drawing 23a and 23b It may be possible to infer various implementation methods for performing the deposit account information registration process according to the present invention while processing the account transfer (or remittance transfer) transaction in the ledger server, but the present invention is all inferred implementation method Incidentally, the present invention is not limited by the implementation method shown in FIGS. 23A and 23B.

Hereinafter, in the drawings 23a and 23b, the ledger server is referred to as "server" for convenience.

Referring to FIG. 23A, the server receives and reads a financial transaction request message transmitted from a wireless terminal through the process of FIG. 22 through the wireless communication network and / or the gateway and a predetermined dedicated network, thereby obtaining financial account information and financial transaction information. Extract (2300a) and read the extracted financial transaction information to determine whether the financial transaction requested from the wireless terminal is a wire transfer (or wire transfer) transaction (2305a).

If the financial transaction requested from the wireless terminal is not an account transfer (or wire transfer) transaction (2310a), the server associates with the ledger D / B 635 based on the extracted financial account information and financial transaction information. If the financial transaction processing is normally performed (2320a), the server generates predetermined financial transaction history information including the financial transaction processing result (2325a), and the financial transaction history. A financial transaction message including information is generated (2330a), and the generated financial transaction message is transmitted to the wireless terminal through the wireless communication network and / or the gateway and a predetermined dedicated network (2370a).

On the other hand, if the financial transaction requested from the wireless terminal is a wire transfer (or wire transfer) transaction (2310a), the server transfers the account in connection with the ledger D / B 635 based on the financial account information and the financial transaction information. (Or transfer) the transaction (2335a), and if the transfer (or transfer) transaction is normally performed (2340a), the predetermined financial transaction details information including the result of the transfer (or transfer) transaction After generating (2345a) and extracting a predetermined deposit account number corresponding to the transfer (or transfer) transaction from the financial transaction information (or the financial transaction history information) (2350a), the ledger D / B (635) Check whether the predetermined deposit account information including the extracted deposit account number is pre-stored in association with the ledger information on the ledger D / B 635 (2355a).

If the deposit account information is stored in advance (2360a), the server transmits the generated financial transaction telegram to the wireless terminal through the wireless communication network and / or gateway and a predetermined dedicated network (2370a).

On the other hand, if the deposit account information is not stored in advance (2360a), the server generates a predetermined deposit account information registration request information (2365a), and further includes the deposit account information registration request information in the financial transaction history information; A financial transaction telegram is generated (2370a), and the generated financial transaction telegram is transmitted to the wireless terminal through the wireless communication network and / or the gateway and a predetermined dedicated network (2370a).

Referring to FIG. 23B, the server receives and reads a financial transaction request message transmitted from a wireless terminal through the process of FIG. 22 through the wireless communication network and / or the gateway and a predetermined dedicated network to read financial account information and financial transaction information. Extract (2300b), process the corresponding financial transaction in connection with the ledger D / B 635 based on the extracted financial account information and financial transaction information (2305b), and if the financial transaction processing is normally performed (2310b), the server generates predetermined financial transaction history information including the financial transaction processing result (2315b),

Thereafter, the server reads the generated financial transaction history information and checks whether the financial transaction requested from the wireless terminal is an account transfer (or wire transfer) transaction (2320b).

If the financial transaction requested from the wireless terminal is not an account transfer (or remittance transfer) transaction (2325b), the server generates a financial transaction message including the financial transaction history information (2330b), and generates the generated financial transaction message. 2360b is transmitted to the wireless terminal through the wireless communication network and / or the gateway and a predetermined dedicated network.

On the other hand, if the financial transaction requested from the wireless terminal is an account transfer (or remittance transfer) transaction (2325b), the server corresponds to the predetermined transaction corresponding to the account transfer (or remittance transfer) transaction from the financial transaction history information (or financial transaction information). After extracting the deposit account number of (2335b), the predetermined deposit account information including the extracted deposit account number in association with the ledger D / B (635) is linked with the ledger information on the ledger D / B (635) It is checked whether it is processed and stored (2340b).

If the deposit account information is stored in advance (2345b), the server generates a financial transaction telegram including the financial transaction history information (2330b), and the generated financial transaction telegram with the wireless communication network and / or gateway It transmits to the wireless terminal through a predetermined dedicated network (2360b).

On the other hand, if the deposit account information is not already stored (2345b), the server generates a predetermined deposit account information registration request information (2350b), and further includes the deposit account information registration request information in the financial transaction history information; A financial transaction telegram is generated (2355b), and the generated financial transaction telegram is transmitted to the wireless terminal through the wireless communication network and / or the gateway and a predetermined dedicated network (2360b).

24 is a diagram illustrating an operation of a wireless terminal for registering deposit account information during a financial transaction according to an embodiment of the present invention.

In more detail, FIG. 24 illustrates deposit account information registration request information included in the financial transaction text in a predetermined wireless terminal that receives the financial transaction text transmitted from the ledger server through the same process as in FIGS. 23A and / or 23B. The process of registering the deposit account information during the financial transaction on the basis of, if the person of ordinary skill in the technical field to which the present invention belongs, the reference to and / or modification of this figure 24 included in the full financial transaction Although various implementation methods for registering the deposit account information during a financial transaction may be inferred based on the deposit account information registration request information, the present invention includes all of the inferred execution methods, and is shown in FIG. 24. The present invention is not limited by the.

Referring to FIG. 24, when a predetermined financial transaction message is transmitted from the ledger server through the same process as in FIGS. 23a and / or 23b, the wireless terminal transmits the wireless terminal through the wireless communication network and / or gateway and a predetermined dedicated network. By receiving and reading the financial transaction text, it is checked whether the financial transaction text includes the deposit account information registration request information (2400).

If the financial transaction text does not include the deposit account information registration request information (2405), the wireless terminal extracts the financial transaction details included in the financial transaction text and outputs the screen to the wireless terminal, and / Or it outputs through a predetermined printing device (2410).

On the other hand, if the financial transaction text includes the deposit account information registration request information (2405), the wireless terminal extracts the deposit account information registration request information included in the financial transaction text and outputs it to the screen of the wireless terminal, Request the customer to register the deposit account information (2415).

If the deposit account information registration is not approved (2420), the wireless terminal extracts the financial transaction history included in the full text of the financial transaction and outputs it to the screen of the wireless terminal, and / or outputs through a predetermined printing device. 2410.

On the other hand, if the deposit account information registration is approved (2420), the wireless terminal generates a deposit account registration request message containing a predetermined deposit account registration information to the ledger server through the wireless communication network and / or gateway and a predetermined dedicated network And transmit (2425).

According to an embodiment of the present invention, the deposit account number of the deposit account registration information is extracted from the deposit account number used in the bank transfer (or wire transfer) transaction process, the deposit account alias is information provided in the wireless terminal Entered via an input device (and / or key input device), and / or processed with the financial product name of the deposit account, the deposit bank from the deposit bank code number used during the transfer (or wire transfer) transaction process. It is preferable to extract.

25 is a diagram illustrating an operation process of a ledger server for registering deposit account information during a financial transaction according to an embodiment of the present invention.

In more detail, FIG. 25 illustrates deposit account information included in the deposit account registration request message in a predetermined ledger server that receives the deposit account registration request message transmitted from the wireless terminal through the process of FIG. 24. This is a process of linking and storing in the ledger D / B 635. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 25 and the deposit account in the ledger server. Various implementation methods of storing information in the ledger D / B 635 by processing the information in association with the ledger information may be inferred, but the present invention includes all the inferred implementation methods, and is shown in FIG. 25. The present invention is not limited by the.

In the following figure, the ledger server is referred to as " server " for convenience.

Referring to FIG. 25, the server receives and reads a deposit account registration request message transmitted from a wireless terminal through the process of FIG. 24 through the wireless communication network and / or the gateway and a predetermined dedicated network, and deposits the payment at the wireless terminal. Check whether the registration of the account information is approved (2500).

If it is not approved to register the deposit account information (2505), the server generates a deposit account registration full message containing a predetermined deposit account information registration error (2510), the predetermined deposit account registration full text The wireless terminal transmits to the wireless terminal through a wireless communication network and / or a gateway and a predetermined dedicated network (2530), and the wireless terminal receives and reads the deposit account registration message through the wireless communication network and / or the gateway and a predetermined dedicated network. The account registration result is extracted (2535), and the deposit account registration result and the financial transaction history information are output on the wireless terminal screen and / or printed out through a predetermined printing apparatus (2540).

On the other hand, if it is approved to register the deposit account information (2505), the server generates predetermined deposit account information to be linked with the ledger information based on the deposit account registration information included in the full deposit account registration request (2515) And, in connection with the ledger D / B 635, store the generated deposit account information in association with the ledger information (2520), and generate a predetermined deposit account registration full text including the deposit account information processing result. Thereafter (2525), the generated deposit account registration full text is transmitted to the wireless terminal through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network (2530), and the wireless terminal communicates with the wireless communication network and / or gateway. Receiving and reading the deposit account registration full text through a predetermined dedicated network to extract the deposit account registration result (2535), and the deposit account registration result and the financial transaction The information is output to the radio terminal screen 2540.

26 is a diagram illustrating a deposit account information providing and registering system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 26, a predetermined wireless terminal and a financial system 300 interoperate with each other to perform a predetermined account transfer (or remittance transfer) transaction procedure. The present invention relates to an embodiment of the present invention, in which a predetermined deposit account information used in the present invention is processed in association with the ledger information corresponding to the financial transaction and stored therein. By referring to and / or modifying, the predetermined payment account information used for the wire transfer (or wire transfer) in the wireless terminal during the wire transfer (or wire transfer) transaction process is linked with the ledger information corresponding to the financial transaction. While various system configurations may be inferred for processing to store, the present invention includes all such inferred system configurations, It is not limited to the system configuration shown in FIG.

Hereinafter, in order to efficiently explain the technical features of the present invention, the financial system 300 performs a predetermined financial transaction procedure in connection with a predetermined wireless terminal and / or an internet banking system and / or a telebanking system. In addition, the component for performing the deposit account information providing and registration function according to the present invention is referred to as "ledger server (2600) for convenience, the ledger server 2600 is the wireless terminal and / or Internet banking system and / or tele It is preferable to perform the function of adding, changing and deleting the deposit account information by interworking with a banking system.

That is, the ledger server 2600 may be at least one server (or device) for performing financial transactions and / or deposit account information provision and registration functions according to the present invention on the financial system 300, and / or It may be a program, whereby the present invention is not limited.

The deposit account information providing and registration system includes at least one or more wireless terminals on which the wireless IC chip is mounted or detached, an internet banking server 1900 on an internet banking system, and / or a telebanking server on a telebanking system. The wireless terminal and / or the Internet banking server 1900 and / or the telebanking server, etc. may be provided for a predetermined financial transaction according to the present invention and / or for providing and registering deposit account information according to the present invention. Corresponds to the trading medium.

Those skilled in the art to which the present invention pertains will clearly understand the technical features of the financial transaction medium, and thus the detailed description thereof will be omitted for convenience.

In addition, the deposit account information providing and registration system connects a predetermined communication channel with at least one financial transaction medium, and through the communication channel the predetermined financial transaction with the financial transaction medium and / or deposit account information according to the present invention. And a ledger server 2600 for performing a provision and registration function, and a ledger D / B 635 for storing ledger information corresponding to a financial account opened to the customer.

Referring to FIG. 26, the ledger server 2600 may be provided with a predetermined financial transaction and / or with a wireless terminal for mounting or detaching the wireless IC chip through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network. A predetermined financial transaction with an internet banking server 1900 on an internet banking system, and / or a telebanking server on a telebanking system, by connecting a communication channel for providing and registering a deposit account information, and / or via a predetermined interface means And / or an interface unit 2605 for connecting a communication channel for providing and registering deposit account information according to the present invention.

The interface unit 2605 may include at least one or more wireless terminals provided at at least one or more points operated by the financial institution through a predetermined wireless communication network and / or gateway and a predetermined dedicated network. Internet banking server 1900 on the Internet banking system, and / or a telebanking server on the telebanking system via a predetermined communication channel, and / or via a predetermined interface means. It is characterized by connecting a communication channel for providing and registering financial account and / or deposit account information according to the present invention, and maintains and manages the connected communication channel.

The communication channel connected and managed by the interface unit 2605 includes at least one financial system 300 and a wireless terminal and / or an internet banking server 1900 and / or a telebanking server provided in the financial institution. A communication channel connected between a financial transaction medium through a dedicated communication network, and according to an embodiment of the present invention, at least one or more corresponding to at least one financial transaction service defined between the financial transaction medium and the ledger server 2600. It is preferable to include a transaction protocol for transmitting and receiving the full text, wherein the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is a financial transaction type of each financial institution and the platform constituting the financial system 300 It can be defined and used in various ways according to the characteristics. The present invention is not limited by the transaction protocol (and / or the specialized structure corresponding to the transaction protocol) chosen.

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

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

In addition, the ledger server 2600 is a predetermined financial transaction from the financial transaction medium including at least one or more of the wireless terminal and / or the Internet banking server 1900 and / or the tele banking server through the interface unit 2605 and And / or an information receiving unit 2615 for receiving a full text for providing and registering deposit account information according to the present invention, and generating a predetermined full text corresponding to the full text received through the information receiving unit 2615, thereby generating the interface. Information transmission unit 2610 for transmitting to the financial transaction medium including at least one or more of the wireless terminal and / or the Internet banking server 1900 and / or telebanking server through the; and received through the information receiving unit 2615 The financial transaction unit performing a financial transaction procedure corresponding to the preamble, and when the preamble received through the information receiver 2615 includes deposit account information, And an information storage unit 2625 for extracting deposit account information and an information storage unit 2630 for storing the deposit account information in association with the ledger information.

The information receiving unit 2615 is a predetermined financial transaction and / or from a financial transaction medium including at least one of the wireless terminal and / or the Internet banking server 1900 and / or a tele banking server through the interface unit 2605 Receiving a full text for providing and registering payment account information according to the present invention, and provides the financial account information and financial transaction information included in the received full text to the financial transaction unit.

According to an exemplary embodiment of the present invention, financial transaction procedures such as financial transactions using wireless IC chip-based financial transactions (eg, financial transactions using an electronic bankbook provided in the wireless IC chip) and / or wireless IC chip-based wireless banking are collectively performed. In the case of processing (for example, a financial terminal including a teller terminal and / or a CD / ATM reads financial account information from a predetermined wireless IC chip, receives predetermined financial transaction information, and transmits the predetermined financial transaction information to the financial system 300 collectively). In the case of processing a financial transaction), the information receiving unit 2615 includes financial account information read from the wireless IC chip from a financial transaction medium including at least one wireless terminal and a predetermined information input device (and / or key input device). It is preferable to receive a full text including financial transaction information inputted through), and the full text includes predetermined deposit account information.

According to another embodiment of the present invention, a financial transaction procedure such as MS card-based financial transaction, and / or financial transaction using internet banking, financial transaction using tele banking, and / or financial transaction using conventional WAP-based wireless banking is performed. When processed sequentially (e.g., requesting financial account information for financial transactions corresponding to a predetermined financial account number and / or customer information from the financial system 300 in the financial terminal including the teller terminal and / or CD / ATM) The financial system 300 provides financial account information for the financial transaction to the financial terminal, and the financial terminal provides financial account information for the financial transaction and financial transaction information corresponding to a predetermined financial transaction. 300 to process the financial transaction), the information receiving unit 2615 is the financial terminal and / or the Internet banking server (1900) and / or tele bank Receive a full financial account number (e.g., financial account number read from the MS card) and / or customer information from the server, and the information transmission unit from the ledger D / B 635 and the financial account number and And / or extracting financial account information for financial transactions corresponding to the customer information and transmitting the extracted financial account information to the financial terminal and / or the internet banking server 1900 and / or the telebanking server, and then the information receiver 610. ) The financial account information and the information input device (and / or key input device) for the financial transaction from the financial transaction medium including at least one or more of the financial terminal and / or the Internet banking server (1900) and / or the tele banking server. It is desirable to receive the full text including the financial transaction information entered through.

In particular, when the financial transaction procedure is sequentially processed, the information transmission unit 2610 extracts the financial account information for the financial transaction to the financial terminal and / or the Internet banking server 1900 and / or telebanking. In the process of transmitting to the server, the deposit account information stored in association with the ledger information of the ledger D / B (635) is included in the financial account information for the financial transaction to the financial terminal and / or the Internet banking server (1900) and And / or transmitted to the telebanking server by transmission, whereby the transaction at the financial terminal and / or the internet banking server 1900 and / or the telebanking server according to the present invention, It is possible to conveniently select a deposit account based on the deposit account information.

The information extracting unit 2625 reads the full text received through the information receiving unit 2615 and checks whether the deposit account registration information is included in the full text received from the financial transaction medium. When the deposit account registration information is included, the financial account information and the deposit account registration information included in the received full text is extracted, and the extracted financial account information and the deposit account registration information is stored in the information storage unit (1950). )

According to another exemplary embodiment of the present invention, the information extracting unit 2625 may extract only the deposit account registration information included in the financial transaction information from the full text and provide the information to the information storage unit 2630. The present invention is not limited.

The information storage unit 2630 may search for the ledger D / B 635 based on the financial account information provided from the information extraction unit 2625 to process the deposit account information corresponding to the deposit account registration information. It is possible to confirm the ledger information, and store predetermined deposit account information corresponding to the deposit account registration information in association with the stored account information processed in association with the confirmed ledger information, whereby the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the information extracting unit 2625 extracts only the deposit account number included in the financial transaction information from the preamble corresponding to the bank transfer (or wire transfer) transaction and the information storage unit ( 2630, in which case the information storage unit 2630 confirms the ledger information for the financial transaction by the financial transaction unit, and the predetermined deposit account information corresponding to the deposit account registration information. It is possible to store and process the linked account information linked to the processed ledger information, whereby the present invention is not limited.

The financial transaction unit 2620 may correspond to the financial transaction information in connection with the ledger D / B 635 based on the financial account information and the financial transaction information included in the full text received through the information receiver 2615. And performing a financial transaction procedure. After performing the financial transaction procedure, predetermined financial transaction detail information including the financial transaction processing result is generated and provided to the information transmission unit.

FIG. 27 is a diagram illustrating a functional configuration of a wireless terminal 2700 for processing the deposit terminal information in association with the ledger information and storing the deposit account information in accordance with an embodiment of the present invention.

More specifically, Fig. 27 is a diagram of a wireless terminal 2700 accessing a mobile communication network based on Code Division Multiple Access (CDMA), wherein predetermined deposit account information used in the financial transaction is assigned to the predetermined financial account corresponding to the financial transaction. A preferred functional configuration of the wireless terminal 2700 for processing to be stored in association with the ledger information, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 27 Various implementation methods for the wireless terminal 2700 provided in the financial institution may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

In terms of hardware, the wireless terminal 2700 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery, and the like. (Code Division Multiple Access) A predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) and various memories incorporating functions such as a modem, CPU / MPU (Central Processing Unit / Micro Processing Unit), vocoder, etc. Device, a duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high power transmission signal from returning in reverse RF / IF SAW filter for eliminating out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 27, a wireless terminal 2700 for providing deposit account information during a wire transfer (or wire transfer) transaction basically includes a control unit 2705, a screen output unit 2710, a sound processor 2715, and a key input unit ( 2720, a wireless processing unit 2730, a near field communication unit, a memory unit, and a battery for supplying power, and mounted on or detached from the wireless terminal 2700 according to an implementation method, and predetermined information on the IC chip. Or a functional configuration including an IC chip reader unit for reading / writing data, a camera mounted or detached from the wireless terminal 2700, and a camera unit reading predetermined image information from the camera.

The control unit 2705 includes a processor and execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 2700 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, to provide deposit account information during a transfer (or wire transfer) transaction). The control unit 2705 for convenience of viewing a predetermined program routine recorded on the recording medium of the wireless terminal 2700. As illustrated in FIG. 2, various functions to be implemented in the wireless terminal 2700 are realized by the control unit 2705, and the wireless terminal 2700 is implemented to realize the above functions. It is characterized in that to control and manage the overall operation of. In particular, when power is input to the wireless terminal 2700 to perform a function of the control unit 2705 for controlling and managing overall operations of the wireless terminal 2700, an operating system routine or system stored in a predetermined memory element. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 2710 is a liquid crystal display (LCD) driver for outputting a screen and is a key input unit 2720 by the controller 2705 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the < RTI ID = 0.0 >), various information, signals, and / or content (e. G., Text content, image content, and / or < / RTI > Or multimedia content) to a predetermined screen output device (eg, an LCD panel), and the screen output unit 2710 is connected to a screen output device (LCD) to transfer money (or transfer money). Transfer) It is desirable to perform the function of the information output unit for outputting predetermined information required in the process of providing the deposit account information during the transaction.

The sound processor 2715 encodes a predetermined sound signal input from a microphone included in the wireless terminal 2700 and provides the sound signal to the controller 2705 or extracted and / or generated by the controller 2705. A sound signal is decoded and output through a speaker. To this end, the sound processor 2715 includes a predetermined vocoder and a codec. Performs a function of a sound input unit provided in the wireless terminal 2700 through the sound processor 2715 and a microphone, or outputs a sound provided in the wireless terminal 2700 through the speaker and the sound processor 2715. Perform the function of the means.

The key input unit 2720 may include a predetermined key having at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 2700 controlled by the controller 2705. When predetermined information (or signal) is inputted from the controller, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 2705. The control unit 2705 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 2700 (eg, respectively). Read out the key data from the key table for storing (managing) at least one key data corresponding to a specific key event in an input mode and / or an operation mode of the wireless terminal 2700 of the wireless terminal 2700, and / or the key event Read a command to execute a predetermined function matched with the defined. The keypad including the key input unit 2720 and at least one key button performs a function of a key input unit provided in the wireless terminal 2700 in cooperation with each other.

The wireless processing unit 2730 may be associated with the control unit 2705 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 2730 processes the information or signal transmitted from the wireless terminal 2700 to the base station to provide a mobile communication service to the CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 2700 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 2730, and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a ledger server provided on the mobile communication network and / or a predetermined communication network that interworks with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 2700 of FIG. 27 is a portable Internet terminal, the wireless processing unit 2730 may access a portable Internet network to provide payment account information when performing a wire transfer (or wire transfer) transaction. And a functional configuration for providing a predetermined portable Internet service (eg, wireless data communication or voice over IP (VoIP) based voice call).

The short range communication unit 2735 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 2700 connects a wireless section connecting a predetermined short range device and a predetermined short range wireless communication session through the short range communication unit 2735, and the short range device is connected. It is preferable to connect a predetermined communication channel with a ledger server provided on a predetermined communication network through a wired section including a predetermined network.

The memory unit 2765 enters and exits when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 2700 is performed. A general term for a memory device for storing information and / or data outputted therein, the read-only memory (ROM) corresponding to the read-only memory, the flash memory (FM) for reading / writing, and the electrically erasable and EEPROM. Programmable Read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 2700 and information or data therefor. The EEPROM stores a terminal registration related parameter and a telephone number (eg, an address book) or at least one information and / or data extracted and / or generated while executing an application included in the wireless terminal 2700. do.

According to an embodiment of the present invention, the memory unit 2765 stores at least one financial transaction processing information used by the wireless terminal 2700 to process financial transactions using the ledger-based electronic bank account according to the present invention. Preferably, and / or after the financial transaction processing using the ledger-based electronic bank account, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The IC chip reader unit 2745 has an IC chip related function configuration (for example, the wireless terminal 2700) provided in the wireless terminal 2700 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. IC chip agent program provided in the) and the IC chip mounted on or detached from the wireless terminal 2700, characterized in that to provide information and / or data exchange. For example, the IC chip reader unit 2745 provides information and / or data exchange between the IC chip agent program and the IC chip through an application protocol data unit (APDU).

The camera unit 2755 reads raster based CCD image information from a camera formed of a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 2705. Characterized in that.

Referring to FIG. 27, the wireless terminal 2700 may request financial transaction request information (eg, financial account information read from the wireless IC chip, or predetermined financial information) from the wireless IC chip through the IC chip reader unit 2745. Account number and / or customer information, or wireless IC chip specific information and / or electronic bank confirmation information associated with the electronic bank account, or financial account number and / or customer information input through the key input unit 2720). At least one or more for the financial transaction based on the read financial transaction request information and / or deposit account information according to the present invention in conjunction with the information reading unit (2785) and the key input unit (2720) Information input unit 2770 for receiving information, and at least one for financial transaction and / or deposit account information provision and registration according to the present invention based on the read financial transaction request information A full text generation unit 2475 for generating a full text of the award, and transmitting the full text to the ledger server through the communication unit, receiving a predetermined full text corresponding to the transmitted full text from the ledger server, and displaying the received full text. And a predetermined processing unit for outputting and / or printing and outputting predetermined deposit account information used in a financial transaction based on the read financial transaction request information. And an information confirming unit 2780 for confirming that the deposit account information corresponding to the financial transaction is registered for processing to be stored in association with the storage unit.

According to an embodiment of the present invention, when a predetermined financial transaction is sequentially processed through the wireless terminal 2700 (for example, a predetermined financial account number and / or a customer read from the wireless IC chip in the wireless terminal 2700). Information corresponding to at least one or more financial IC chip information and / or customer account information input through the key input unit 2720 or information unique to the wireless IC chip and / or electronic bank confirmation information associated with the electronic bank account. When requesting financial account information for financial transactions, the financial system 300 provides the financial account information for financial transactions from the wireless terminal 2700, and the financial account information for financial transactions from the wireless terminal 2700. And the financial transaction information corresponding to the predetermined financial transaction to the financial system 300 to process the financial transaction), the specialized processing unit It is preferable to receive deposit account information which is pre-stored in association with the ledger information of the ledger D / B 635 from a ledger server, wherein the information checking unit is based on the read financial transaction request information. And confirming that a predetermined deposit account number used in the financial transaction matches the deposit account information received from the ledger server.

According to another embodiment of the present invention, a method for reading predetermined financial account information from a predetermined wireless IC chip through the IC chip reader unit, wherein at least one deposit account information is stored in the wireless IC chip, When the deposit account information stored in the wireless IC chip is read by the information reading unit, the information checking unit checks whether a predetermined deposit account number used in the financial transaction matches the deposit account information read from the wireless IC chip. Characterized in that.

Hereinafter, when requesting an account transfer (or wire transfer) transaction from the wireless terminal 2700 shown in FIG. 27 to the financial system 300 of the financial transaction medium shown in FIG. 11, the wireless terminal 2700 receives the request. A preferred implementation method of processing deposit account information corresponding to an account transfer (or wire transfer) transaction in association with the ledger information is stored.

Those skilled in the art to which the present invention pertains may refer to the following embodiments to transfer (or transfer) from the Internet banking server 1900 and / or the telebanking server to the financial system 300 in the financial transaction medium. Remittance transfer) When the transaction request is made, the Internet banking server 1900 and / or the telebanking server perform various processing so that the deposit account information corresponding to the account transfer (or remittance transfer) transaction is stored in association with the ledger information. The method may be inferred, and the present invention is not limited thereto.

28 is a diagram illustrating an operation process of the wireless terminal 2700 for initiating a financial transaction according to another embodiment of the present invention.

More specifically, FIG. 28 shows a predetermined financial account number and / or customer information read from the wireless IC chip in a predetermined wireless terminal 2700, or unique wireless IC chip information and / or electronic bank account associated with the electronic bankbook. The financial transaction to the financial system 300 in a process of sequentially performing a financial transaction procedure through at least one or more financial transaction request information among financial information and / or customer information input through the key input unit 2720. As a process for requesting financial account information for financial transactions corresponding to the request information, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 28 to sequentially process financial transactions. While various implementation methods disclosed may be inferred, the present invention encompasses all of the inferred implementation methods, as shown in FIG. 28. The present invention is not limited by the implemented method.

In FIG. 28, financial account information read out from the wireless IC chip, predetermined financial account number and / or customer information, wireless IC chip unique information and / or electronic bank confirmation information associated with the electronic bankbook, or key input unit ( Financial transaction request information (eg, financial account information, or predetermined financial account number and / or customer information, or electronic bank account) read from the wireless IC chip among the financial account number and / or customer information input through 2720. Based on the wireless IC chip unique information and / or electronic bank confirmation information) of the various embodiments of the present invention, the financial transaction procedure is sequentially described, but the present invention is not limited thereto.

Referring to FIG. 28, the wireless terminal 2700 reads predetermined financial transaction request information for a financial transaction from a predetermined wireless IC chip (2800), and includes a predetermined financial account including the read financial transaction request information. An information request message is generated (2805), and the generated financial account information request message is transmitted to a ledger server on the financial system 300 through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network (2810).

29 is a diagram illustrating an operation process of a ledger server for processing financial transactions according to another embodiment of the present invention.

In more detail, FIG. 29 provides the wireless terminal 2700 with financial account information for financial transactions corresponding to the financial account information request message in the ledger server that receives the financial account information request message as shown in FIG. 28. In the case of an embodiment of the present invention, the method further includes providing predetermined deposit account information linked to the ledger information in the financial account information for financial transactions, and a person having ordinary knowledge in the technical field to which the present invention belongs, With reference to FIG. 29 and / or modifications, various implementation methods may be inferred by the ledger server further including predetermined deposit account information linked to the ledger information in the financial account information for financial transactions. The present invention includes all the inferred implementation methods, and the invention is not limited by the implementation method shown in FIG. All.

In the following figure, the ledger server is referred to as " server " for convenience.

Referring to FIG. 29, the server receives and reads the financial account information request message transmitted from the wireless terminal 2700 through the process of FIG. 22 through the wireless communication network and / or the gateway and a predetermined dedicated network to request a financial transaction. Information is extracted 2900, and it is checked whether at least one deposit account is linked to predetermined ledger information corresponding to the extracted financial transaction request information from the ledger D / B 635 (2905).

If at least one deposit account is not linked to the ledger information as a result of the checking (2910), the server financial information for financial transactions corresponding to the financial transaction request information extracted from the ledger D / B (635) Extract (2915), generate a predetermined financial account information telegram including the extracted financial account information (2920), and generate the generated financial account information telegram from the wireless communication network and / or gateway The wireless terminal 2700 is transmitted to the wireless terminal 2700 through a dedicated network (2935).

If at least one deposit account is linked to and stored in the ledger information as a result of the verification (2910), the server finances the financial transaction corresponding to the extracted financial transaction request information from the ledger D / B 635. Extract account information and the deposit account information (2925), generate a predetermined financial account information full text including the extracted financial account information and deposit account information (2930), and generate the full financial account information It is transmitted to the wireless terminal 2700 via the wireless communication network and / or gateway and a predetermined dedicated network (2935).

30 is a diagram illustrating an operation process of the wireless terminal 2700 for processing to register the deposit account information during a financial transaction according to another embodiment of the present invention.

In more detail, FIG. 30 illustrates financial account information for financial transactions included in the financial account information text in a predetermined wireless terminal 2700 which receives the financial account information text transmitted from the ledger server through the same process as in FIG. 29. In the case of a financial transaction through the bank, when the financial transaction is a bank transfer (or wire transfer) transaction requiring a predetermined deposit account number, the bank transfer (or wire transfer) based on the deposit account information included in the full financial account information. The process of registering the deposit account information during the transaction, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 30 to transfer the account in the wireless terminal 2700 (Or remittance transfer) It would be possible to infer various implementation methods for processing to register the deposit account information during a transaction, but the present invention is inferred above. Includes all implementation methods, and the present invention is not limited by the implementation method shown in FIG.

Referring to FIG. 30, when a predetermined financial account information is transmitted from the ledger server through the same process as that of FIG. 29, the wireless terminal 2700 receives the finance through the wireless communication network and / or the gateway and a predetermined dedicated network. By receiving and reading the full account information, it is checked whether the deposit account information is included in the full financial account information (3000).

If the deposit account information is not included in the full financial account information (3005), the wireless terminal 2700 outputs the financial account information for the financial transactions included in the full financial account information, the financial account information Request to input at least one corresponding financial transaction information (3010), and if at least one financial transaction information is input (3015), generate a predetermined financial transaction request message including the financial account information and financial transaction information; In operation 3070, the generated financial transaction request message is transmitted to the ledger server through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network.

If the deposit account information is included in the full financial account information (3005), the wireless terminal 2700 extracts the financial account information and / or deposit account information for financial transactions contained in the full financial account information; The mobile terminal 2700 outputs a screen and requests the customer to input predetermined financial transaction information (3020). The financial transaction information input process may further include a financial transaction type selection process (not shown). , And / or the financial transaction information input process may be partially omitted based on the deposit account information in the financial transaction information input process (not shown).

If the financial transaction information input is confirmed (3025), the wireless terminal 2700 reads the input financial transaction information, and determines whether the financial transaction is a wire transfer (or wire transfer) transaction (3030).

If the financial transaction is not a wire transfer (or wire transfer) transaction (3035), the wireless terminal 2700 generates a full financial transaction request message including the financial account information and financial transaction information (3040), and generates The entire financial transaction request message is transmitted to the ledger server through the predetermined wireless communication network and / or gateway and the predetermined dedicated network (3070).

On the other hand, if the financial transaction is a wire transfer (or wire transfer) transaction (3035), the wireless terminal 2700 extracts a predetermined deposit account number corresponding to the wire transfer (or wire transfer) transaction from the financial transaction information ( 3045), by comparing the extracted payment account number and the payment account information extracted from the full financial account information, the deposit account corresponding to the account transfer (or remittance transfer) transaction ledger D / on the financial system 300 In operation B50, it is determined whether the ledger information is stored in association with the ledger information.

If the check result, if the deposit account information is stored in association with the ledger information (3055), the wireless terminal 2700 generates a predetermined financial transaction request message including the financial account information and financial transaction information In operation 3070, the generated financial transaction request message is transmitted to the ledger server through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network.

On the other hand, if the deposit account information is not stored in association with the ledger information in advance (3055), the wireless terminal 2700 corresponds to the deposit account number corresponding to the account transfer (or remittance transfer) transaction Generate a predetermined deposit account registration information (3060), generate a predetermined financial transaction request text including the financial account information and the financial transaction information and the deposit account registration information (3065), and generate the full financial transaction request message Is transmitted to the ledger server through the predetermined wireless communication network and / or gateway and the predetermined dedicated network (3070).

31 is a diagram illustrating an operation process of a ledger server for processing financial transactions according to another embodiment of the present invention.

In more detail, FIG. 31 illustrates a method of processing the financial transaction according to the present invention while processing the financial transaction when the deposit server registration information is included in the financial transaction request message in the ledger server having received the financial transaction request message as shown in FIG. As a method of performing a deposit account information registration process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the present invention while referring to and / or modifying the drawing 31 to process the financial transaction in the ledger server. Various implementation methods for performing the deposit account information registration process according to the present invention may be inferred, but the present invention includes all the inferred implementation methods, and the present invention is not limited by the implementation method shown in FIG. .

* In the following figure, the ledger server is referred to as " server " for convenience.

Referring to FIG. 31, the server receives and reads the financial transaction request message transmitted from the wireless terminal 2700 through the process of FIG. 30 through the wireless communication network and / or the gateway and a predetermined dedicated network. Extract the financial transaction information (3100), process the financial transaction in connection with the ledger D / B (635) based on the extracted financial account information and financial transaction information (3105), and process the financial transaction processing result Generating predetermined financial transaction history information including 3110 and reading the full text of the financial transaction request to check whether the deposit account registration information is included in the full financial transaction request (3115).

If the financial transaction request message does not include the deposit account registration information (3120), the server generates a predetermined financial transaction message including the financial transaction history information (3125), and the generated financial transaction message In operation 3145, the wireless communication network transmits the data to the wireless terminal 2700 through the wireless communication network and / or the gateway and a predetermined dedicated network.

If the financial transaction request message includes the deposit account registration information (3120), the server generates predetermined deposit account information to be linked with the ledger information based on the deposit account registration information (or deposit account registration information). 3130), the deposit account information is linked to the ledger information in association with the ledger D / B 635 and stored (3135), and includes the financial transaction history information and deposit account registration result information. A predetermined financial transaction telegram is generated (3140), and the generated financial transaction telegram is transmitted to the wireless terminal 2700 through the wireless communication network and / or a gateway and a predetermined dedicated network (3145).

32 is a diagram illustrating an operation process of the wireless terminal 2700 processed to register deposit account information during a financial transaction according to another embodiment of the present invention.

In more detail, FIG. 32 illustrates financial transaction history information and / or deposit included in the financial transaction text in a predetermined wireless terminal 2700 that receives the financial transaction text transmitted from the ledger server through the same process as in FIG. 31. As a process for processing the account information registration result, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 32 to be included in the full text of the financial transaction in the wireless terminal 2700 Various implementation methods for processing the financial transaction history information and / or deposit account information registration result may be inferred, but the present invention includes all the implementation methods inferred above, and is viewed by the implementation method shown in FIG. The invention is not limited.

Referring to FIG. 32, when a predetermined financial transaction text is transmitted from the ledger server through the same process as in FIG. 31, the wireless terminal 2700 performs the financial transaction through the wireless communication network and / or gateway and a predetermined dedicated network. By receiving and reading the full text, the financial transaction history information is extracted from the financial transaction text (3200), and the financial transaction text is read to check whether the deposit account registration result information is included (3205).

If the deposit transaction information registration result information is not included in the financial transaction text (3210), the wireless terminal 2700 displays the financial transaction history information included in the financial transaction text on the screen of the wireless terminal 2700. Output and / or output via a predetermined printing apparatus (3215).

On the other hand, if the deposit transaction information registration result information is included in the financial transaction text (3210), the wireless terminal 2700 wirelessly transmits the deposit account information registration result information and the financial transaction history information included in the financial transaction text; The terminal 2700 outputs the screen (3220).

Hereinafter, the technical features of the present invention will be described in detail through an embodiment in which the deposit account information is provided on the wireless IC chip. In the following embodiments, the wireless IC chip may be a wireless IC chip as shown in FIG. Alternatively, the method may include any one of the wireless IC chips shown in FIGS. 7A and / or 7B, and an implementation method in which the deposit account information is provided on the wireless IC chip is not limited to the embodiments shown below. Is to be made clear.

33A, 33B, 33C, and 33D illustrate deposit account information provided in a wireless IC chip according to an embodiment of the present invention.

33a, 33b, 33c, and 33d, which are described in detail, refer to an embodiment of the present invention, in which an electronic bank account provided in a wireless IC chip is provided with deposit account information according to the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 33a, 33b, 33c, and 33d to infer various implementation methods in which the deposit account information is provided in the wireless IC chip. Although the present invention may include all of the inferred implementation methods, the present invention is not limited by the implementation method shown in FIGS. 33A, 33B, 33C, and 33D.

33A, 33B, 33C, and 33D, the wireless IC chip includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), And / or an input / output interface for communicating with the wireless IC chip reader (e.g., exchanging commands or data) through contact points such as input / output (I / O), a central process unit (CPU), a micro process unit (MPU), and / Or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory (FM). And an IC chip including a memory unit including at least one memory element, wherein the input / output interface of the IC chip is electrically connected to a chip on board (COB) having a contact point corresponding to the contact point. Connected.

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

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. An application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like, and the electronic bank account storage information is preferably stored in an area except the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing substantial information and / or data for the electronic bank account storage information also includes the file structure as described above.

33A, 33B, 33C, and 33D, the wireless IC chip-based electronic passbook includes a customer information file corresponding to the personal basic information of the customer in the electronic passbook area provided in the memory unit on the IC chip, Comprising a main account information file, and at least one subaccount information file, wherein the main account information is an account opened for the customer (e.g., an account initially opened to the customer, Or an account for which a debit card is issued or an account for which salary is transferred, etc.), and the remaining accounts are subaccounts.

The customer information file includes a customer's English name (eg, ASCII name based English name), Korean name (eg KSC5601 based Korean name) and real name classification code (eg, social security number (0X1), business registration number (0X2), Passport number (0X3), alien registration number (0X4), etc.) and a real name number corresponding to the real name classification code.

The main account information file and the sub account information file may include a predetermined account status code (for example, a normal account (0X1), a termination account (0X2), a temporary suspension account (0X3), a transfer account (0X4), and an electronic money account (0X1)). Etc.) and TRACK III information (e.g., information corresponding to ISO 4909 standard including account number), account alias information corresponding to the alias of the account, and at least one transaction history information. It is made to include. Here, the account alias information is information given a predetermined alias for facilitating identification of each account because it is difficult for a customer to identify a plurality of accounts only by the account number.

Referring to FIG. 33A, the electronic bank account includes a deposit account information file for storing at least one deposit account information according to the present invention, and at least one deposit account file included in the deposit account information file includes the main account information. The financial transaction corresponding to the file and the sub account information file may be read by the wireless terminal 2700.

Referring to FIG. 33B, the main account information file and / or the sub account information file of the electronic bank account further include at least one deposit account information according to the present invention, and the deposit account file is each main account information file. Alternatively, the financial transaction corresponding to the sub account information file may be read out to the wireless terminal 2700.

Referring to FIG. 33C, the electronic bank account storage information includes predetermined electronic bank account confirmation information and at least one deposit account information file according to the present invention, and at least one deposit account file included in the deposit account information file may include: The financial transaction corresponding to the main account information file and the sub account information file may be read out to the wireless terminal 2700.

Referring to FIG. 33D, the electronic bank account storage information includes at least one deposit account information file according to the present invention, and at least one deposit account file included in the deposit account information file includes the main account information file and the sub account. In the financial transaction corresponding to the information file, the wireless terminal 2700 is read.

34 is a diagram illustrating an operation process of the wireless terminal 2700 for processing to register deposit account information during a wireless IC chip-based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 34 registers predetermined deposit account information in the wireless IC chip during a wireless IC chip-based financial transaction having an electronic bank account including predetermined deposit account information as shown in FIGS. 33A and / or 33B. As an implementation method for the process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 34 to deposit account information during a wireless IC chip based financial transaction in the wireless terminal 2700. It will be able to infer various implementation methods for processing to register the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may have an electronic bank account including predetermined deposit account information as shown in FIGS. 33C and / or 33D according to a financial transaction procedure using a ledger-based electronic bank account. In one wireless IC chip-based financial transaction, various implementation methods for processing to register deposit account information during the wireless IC chip-based financial transaction may be inferred, but the present invention is not limited thereto.

Referring to FIG. 34, the wireless terminal 2700 checks whether a predetermined wireless IC chip is activated through a predetermined wireless IC chip reader (3400), and if a predetermined wireless IC chip is activated through the wireless IC chip reader. In operation 3405, the wireless terminal 2700 outputs a predetermined operation mode selection interface screen, and an electronic bank account in which the operation mode of the wireless terminal 2700 is provided in the wireless IC chip through the operation mode selection interface screen. Check whether the financial transaction mode for processing the financial transaction using the selected (3410).

If the operation mode of the wireless terminal 2700 is selected as the financial transaction mode for financial transactions using the electronic bankbook provided in the wireless IC chip according to the present invention (3415), the wireless terminal 2700 is a predetermined PIN Outputs a validity authentication interface screen (for example, a screen requesting to input a predetermined PIN), and a predetermined PIN is input through the validity authentication interface screen to be associated with the wireless IC chip (and / or the wireless IC chip). Check whether the validity of the electronic account is authenticated (3425).

If the validity of the wireless IC chip (and / or the electronic bankbook associated with the wireless IC chip) is not authenticated (3430), the wireless terminal 2700 outputs a predetermined validation authentication error message (3435), and The financial transaction procedure using the electronic bankbook provided in the wireless IC chip is completed.

On the other hand, if the validity of the wireless IC chip (and / or the electronic bankbook associated with the wireless IC chip) is verified (3430), the wireless terminal 2700 is at least one finance corresponding to the electronic bankbook from the wireless IC chip After reading the account list (3440), outputting a predetermined financial account selection interface screen for selecting a predetermined financial transaction financial account from the financial account list (3445), and then through the financial account selection interface screen Check if a financial account for financial transaction is selected (3450)

If a predetermined financial transaction financial account is selected from the list of financial accounts (3455), the server outputs an interface screen for selecting a financial transaction that can be processed through the selected financial transaction financial account (3460).

35 is a diagram illustrating an operation of the wireless terminal 2700 for processing to register deposit account information during a wireless IC chip-based financial transaction according to another embodiment of the present invention.

More specifically, FIG. 35 shows a wireless terminal after performing the process of FIG. 34 when performing a wireless IC chip-based financial transaction with an electronic bank account including predetermined deposit account information as shown in FIGS. 33A and / or 33B. As an implementation method for registering predetermined deposit account information in a wireless IC chip at 2700, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 35 to perform the wireless Although various implementation methods for processing to register the deposit account information during the wireless IC chip-based financial transaction in the terminal 2700 may be inferred, the present invention includes all the inferred implementation methods and is illustrated in FIG. 35. It is not limited to the method alone.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may have an electronic bank account including predetermined deposit account information as shown in FIGS. 33C and / or 33D according to a financial transaction procedure using a ledger-based electronic bank account. In one wireless IC chip-based financial transaction, various implementation methods for processing to register deposit account information during the wireless IC chip-based financial transaction may be inferred, but the present invention is not limited thereto.

Referring to FIG. 35, when the wireless terminal 2700 outputs an interface screen for selecting a financial transaction that can be processed through the financial transaction financial account selected as shown in FIG. 34, the wireless terminal 2700 is used for the financial transaction. If a predetermined financial transaction to be processed through the financial account is selected (3500), if a predetermined financial transaction to be processed through the financial account is selected (3505), the wireless terminal 2700 is selected. Check whether the financial transaction is a wire transfer (or wire transfer) transaction (3510).

If the selected financial transaction is not an account transfer (or wire transfer) transaction (3515), the wireless terminal 2700 is a financial unit that inputs at least one financial transaction information corresponding to the financial transaction to be processed through the financial account for the financial transaction. After outputting a transaction information input interface screen (3520), and checking whether at least one financial transaction information is input through the financial transaction information input interface screen (3525), at least one financial transaction through the financial transaction information input interface screen When the information is input (3530), a predetermined financial transaction request text including the financial account information for the financial transaction and the input financial transaction information is generated (3535), and the generated financial transaction request text is transmitted to a predetermined wireless communication network. And / or to the ledger server through a gateway and a predetermined dedicated network (3540), and then The wireless terminal 2700 and the ledger server process a financial transaction corresponding to the full text of the financial transaction request according to a conventional financial transaction procedure.

On the other hand, if the selected financial transaction is a wire transfer (or wire transfer) transaction (3515), the wireless terminal 2700 reads at least one deposit account information from the wireless IC chip (3545), and the financial account for the financial transaction Further including the deposit account information on the financial transaction information input interface screen for inputting at least one financial transaction information corresponding to the financial transaction to be processed (3550), and at least one or more through the financial transaction information input interface screen Check whether financial transaction information is input (3555).

According to an embodiment of the present invention, the deposit account number input process may be automatically processed during the financial transaction information input process through the financial transaction information input interface screen by the deposit account information.

If at least one financial transaction information is input through the financial transaction information input interface screen (3560), the wireless terminal 2700 receives a deposit account number corresponding to an account transfer (or remittance transfer) transaction from the financial transaction information. Extraction (3565) and by comparing the extracted payment account number and the payment account information read out from the wireless IC chip, a deposit account corresponding to the bank transfer (or wire transfer) transaction is transferred to the electronic account of the wireless IC chip. Check whether the included payment account information is included (3570).

If it is included in the deposit account information included in the electronic bank account of the wireless IC chip (for example, during the financial transaction information input process through the financial transaction information input interface screen, the deposit account number input process is automatically processed through the deposit account information). 3575, the wireless terminal 2700 generates a predetermined financial transaction request message including the financial account information for the financial transaction and the input financial transaction information (3535), and generates the generated financial transaction request message. Is transmitted to the ledger server through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network (3540), and then the wireless terminal 2700 and the ledger server correspond to the full financial transaction request message according to a conventional financial transaction procedure. Process financial transactions.

On the other hand, if it is not included in the deposit account information provided in the electronic bank account of the wireless IC chip (for example, if the deposit account number is input through the financial transaction information input interface screen) (3575), the wireless terminal 2700 is shown in FIG. Follow the same procedure.

36 is a diagram illustrating an operation process of the wireless terminal 2700 for processing to register deposit account information during a wireless IC chip-based financial transaction according to another embodiment of the present invention.

More specifically, FIG. 36 is a wireless IC chip-based financial transaction with an electronic bank account including predetermined deposit account information as shown in FIGS. 33A and / or 33B. Then, as a method for registering a predetermined deposit account information in the wireless IC chip in the wireless terminal 2700, if the person skilled in the art to which the present invention pertains, reference and / or this figure 36 Although various embodiments of the present invention may be inferred by processing the wireless terminal 2700 to register the deposit account information during the wireless IC chip-based financial transaction, the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may have an electronic bank account including predetermined deposit account information as shown in FIGS. 33C and / or 33D according to a financial transaction procedure using a ledger-based electronic bank account. In one wireless IC chip-based financial transaction, various implementation methods for processing to register deposit account information during the wireless IC chip-based financial transaction may be inferred, but the present invention is not limited thereto.

Referring to FIG. 36, after the wireless terminal 2700 performs the same process as in FIGS. 34 and 35, the deposit account number corresponding to the wire transfer (or wire transfer) transaction is the electronic bank account of the wireless IC chip. If it is not included in the payment account information provided in the, the wireless terminal 2700 is electronically provided in the wireless IC chip to the customer the payment account information corresponding to the payment account corresponding to the transfer (or wire transfer) transaction Ask for permission to record in the bankbook (3600).

If the customer does not approve to additionally record the deposit account information corresponding to the deposit account corresponding to the wire transfer (or wire transfer) transaction in the electronic account provided in the wireless IC chip (3605), the wireless terminal ( 2700 generates a predetermined financial transaction request text including the financial account information for the financial transaction and financial transaction information (3610), and generates the generated financial transaction request text in a predetermined wireless communication network and / or a gateway and a predetermined dedicated network. The mobile terminal 2700 and the ledger server process a financial transaction corresponding to the full financial transaction request message according to a conventional financial transaction procedure.

On the other hand, if the customer approves the additional recording of the payment account information corresponding to the deposit account corresponding to the wire transfer (or wire transfer) transaction in the electronic account provided in the wireless IC chip (3605), the wireless terminal 2700 ) Generates predetermined deposit account storage information (e.g., storage information defined to record the deposit account information on the wireless IC chip) corresponding to the deposit account information corresponding to the wire transfer (or wire transfer) transaction. The deposit account information is additionally recorded in the electronic account of the wireless IC chip (3615).

Thereafter, the wireless terminal 2700 generates predetermined payment account registration information corresponding to the deposit account information corresponding to the wire transfer (or wire transfer) transaction (3620), and the financial account information, the financial transaction information, and the Generate a predetermined financial transaction request message including deposit account registration information (3625), and transmit the generated financial transaction request message to the ledger server through a predetermined wireless communication network and / or a gateway and a predetermined dedicated network (3530); Then, the wireless terminal 2700 and the ledger server interoperate with each other to process a financial transaction corresponding to the full text of the financial transaction request through a process as shown in FIGS. 31 and / or 32.

600: information registration server 605: interface unit
610: information receiving unit 615: bank account confirmation unit
620: information generating unit 625: information extraction unit
630: information storage unit 635: ledger D / B

Claims (1)

Storing account information frequently used by a customer in a predetermined information storage means on a host server;
Receiving a request for providing account information frequently used by a customer during a financial transaction using the financial IC chip from the customer wireless terminal in a predetermined information receiving means;
And extracting the account information frequently used by the customer from the host server and transmitting the extracted account information to the wireless terminal for output on the screen.

Images