KR20110062620A - Financial cooperation services offer system using electronic wallet apparatus and financial cooperation services offer method thereby - Google Patents

Financial cooperation services offer system using electronic wallet apparatus and financial cooperation services offer method thereby Download PDF

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Publication number
KR20110062620A
KR20110062620A KR1020090119399A KR20090119399A KR20110062620A KR 20110062620 A KR20110062620 A KR 20110062620A KR 1020090119399 A KR1020090119399 A KR 1020090119399A KR 20090119399 A KR20090119399 A KR 20090119399A KR 20110062620 A KR20110062620 A KR 20110062620A
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South Korea
Prior art keywords
financial
affiliate
service providing
electronic wallet
wallet device
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KR1020090119399A
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Korean (ko)
Inventor
김규철
김익동
김재관
오주열
이윤상
한미영
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유비벨록스(주)
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Priority to KR1020090119399A priority Critical patent/KR20110062620A/en
Publication of KR20110062620A publication Critical patent/KR20110062620A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A method for offering a financial cooperation service using an electronic wallet device is provided to reinforce security when authenticating an identification number of a user. CONSTITUTION: A flash memory(150) stores a partner-only program, screen data, cooperation company transaction data, and user setting information. A smart card chip(120) mounts a public key encoding system. A card reader unit(140) deciphers the information of the smart card chip. A flash controller(160) deciphers data of the flash memory and writes the data on the flash memory.

Description

Financial cooperation service providing system using electronic wallet device and financial cooperation service providing method using same {financial cooperation services offer system using electronic wallet apparatus and financial cooperation services offer method

The present invention relates to a financial alliance service providing system using an electronic wallet device and a financial alliance service providing method using the same. More specifically, the present invention relates to a financial alliance service providing system using an electronic wallet device that provides a push type information providing service optimized to a user using information such as age, occupation, and the like, and a financial alliance service providing method using the same.

With the introduction of a credit card exclusively for internet shopping malls, it provides exclusive shopping mall-specific benefits (miles and coupons). However, in the case of the provided Internet partner-only credit card, it provides only an RF payment function using a magnetic interface and an RF IC chip for general offline POS payment support. Usually, a convenient and safe credit card payment method is used for electronic commerce using the Internet. As a secure payment method, payment methods such as secure payment and assured click are used. Such a payment method is provided in conjunction with a dedicated payment program on a PC when the user uses a card payment through the Internet after applying for a card.

In addition, as a separate euro service, a mobile certificate can be used through a mobile number and an authentication number using a mobile certificate. For secure payment, you can use an internet-only credit card equipped with an IC card.

In general, when using secure payment, the user can download and download an electronic certificate for internet payment online, and the storage location provides a hard disk, a mobile phone, a portable disk, and an IC card interface. In general, the hard disks and removable disks are stored, but there is a problem in that it is easy to duplicate and deodorize electronically. In addition, there is a problem that does not make the most of the PC interface using the Internet environment and user services.

In order to solve the above problems, the present invention is to embed the smart card chip in the electronic wallet device and to secure the security when providing financial alliance service through the authentication process of the user's identification number authentication and electronic wallet device identification number, It is an object of the present invention to provide a financial alliance service providing system using an electronic wallet device that provides an optimized push type information providing service to users using information such as age and occupation, and a financial alliance service providing method using the same.

The system for providing a financial alliance service using the electronic wallet device of the present invention for solving the above problems is a flash memory, a public key cryptographic system for storing affiliate program and screen data, affiliate transaction data and user setting information. A mounted smart card chip, a slot for attaching and detaching the smart card chip, a card reader unit for reading the information of the smart card chip, a flash controller for reading data of the flash memory and writing data to the flash memory, the slot An electronic wallet device comprising an RF antenna connected to an electronic wallet device and capable of non-contact communication with an external terminal and an interface unit for connecting the card reader unit or the flash controller to an external device; One or more affiliated company servers for issuing, authenticating, and registering the electronic wallet device, and performing authentication when a user connects the electronic wallet device to a terminal to access the electronic wallet device through a communication network and provides financial cooperation services and contents to the user; An affiliate terminal for communicating with the affiliate server and issuing and registering the electronic wallet device; A terminal for recognizing a connection of the electronic wallet device through a connection means and connected to the affiliate server through a communication network to provide a financial affiliate service and contents to a user using an affiliate dedicated program of the affiliated user; And an online shopping mall server that provides an automatic login through an ID and password stored in an electronic wallet device and provides an electronic payment using the affiliate program. The affiliated program stored in an electronic wallet device includes the affiliate program. Using the online shopping mall server is characterized in that the automatic login and electronic payment is possible.

The financial cooperation service providing system using the electronic wallet device is characterized in that the push-type information providing service is available through the affiliate program.

The financial alliance service providing system using the electronic wallet device is characterized in that the access to the affiliate server to check the updated version of the affiliate program exclusively and automatically download when executing the affiliate program.

Preferably, the interface unit may use any one selected from a crowd consisting of a USB port, Bluetooth, and ZigBee.

The smart card chip comprises an encryption processing module for processing the electronic wallet device identification number and the user identification number by using a public key method through communication with the affiliated program; Authenticate the electronic wallet device through communication with the affiliate server using the electronic wallet device identification number deciphered from the encryption processing module, and communicate with the affiliated program using the user identification number deciphered from the encryption processing module. Authentication module for authenticating the user through; A communication module for performing communication between the slot and the smart card chip; And a smart card chip memory for storing affiliate information such as an accredited certificate, account / credit card information, and user information.

The affiliate program only has link information on the financial affiliate service, and when the actual user requests each financial affiliate service, the affiliate program related to the financial affiliate service is executed.

Preferably, the financial alliance service providing system using the electronic wallet device may store the screen data information set by the user in the flash memory and display the financial alliance service related interface screen on the user interface of the terminal according to the screen data information. .

The smart card chip may use any one selected from the group consisting of a financial card, a communication card, a credit card, and a USIM.

The method of providing a financial alliance service using the financial alliance service providing system of the present invention comprises: a step 1 in which the affiliate program is connected to an affiliated server; Requesting, by the affiliate server, an electronic wallet device identification number from the affiliate program exclusively; Transmitting the electronic wallet device identification number in which the affiliated exclusive program is stored to the affiliated server; Step 4, when the affiliate server succeeds in authenticating the electronic wallet device using the electronic wallet device identification number, requesting the affiliate server exclusive program for the affiliate version from the affiliate server; Step 5 of the affiliate server to check the version of the affiliate dedicated program to download the latest version of the affiliate dedicated program if it is not the latest version; Step 6 for requesting the affiliate server for the financial affiliate service inputted from the user by the affiliate program; And a seventh step of delivering the execution result of the financial affiliate service to the affiliated program exclusively after processing the requested financial affiliated service by the affiliated server. The electronic wallet device includes an affiliated program and screen data and affiliated transaction. Flash memory for storing data and user setting information, Smart card chip equipped with a public key encryption system, Slot for attaching and detaching the smart card chip, Card reader unit for reading the information of the smart card chip, Data of the flash memory Flash controller for reading and writing data to the flash memory, an RF antenna connected to an electronic wallet device through the slot and capable of non-contact communication with an external terminal, and an interface for connecting the card reader unit or the flash controller to an external device. It is characterized by consisting of parts.

The financial alliance service providing method using the financial alliance service providing system includes: (a) before the first step, an electronic wallet device is plugged into the terminal; (B) the electronic wallet device recognizing the terminal; (C) the electronic wallet device to run the affiliate dedicated program suitable for the terminal and to authenticate the user by using a user identification number.

The financial alliance service providing method using the financial alliance service providing system may store the screen data information set by the user in the memory and display the financial alliance service related interface screen on the user interface of the terminal according to the screen data information.

Preferably, the financial alliance service providing method using the financial alliance service providing system includes: (d) requesting, by the affiliated exclusive program, the electronic payment service from the online shopping mall server; (E) the online shopping mall server receiving the electronic payment service request from the affiliate program exclusively, requesting the electronic payment service to the affiliate server; (F) transferring the processing result to the online shopping mall server after the affiliate server processes the electronic payment service; (G) transmitting, by the online shopping mall server, the result of the electronic payment service to the affiliated program.

The financial alliance service providing method using the financial alliance service providing system may further include the step of automatically logging in by the affiliate program dedicated to the ID and password of the online shopping mall stored in the electronic wallet device.

The affiliate program only has link information for the financial affiliate service, and when the actual user requests each financial affiliate service, the affiliate program associated with the financial affiliate service may be executed.

The smart card chip may use any one selected from the group consisting of a financial card, a communication card, a credit card, and a USIM. The electronic payment service may make a payment using an Internet Security Payment Service (ISP).

The financial alliance service providing method using the financial alliance service providing system includes: (h) providing a push type information providing service to the affiliated program in the affiliated server; (I) displaying the push-type information providing service provided by the affiliate program exclusively on the interface of the terminal.

The financial alliance service providing method using the financial alliance service providing system is characterized by providing a push type information providing service optimized for a user by utilizing personal information of a terminal user stored in the affiliated server in the affiliated server.

The personal information may provide push type information using the age, age, region, occupation, hobby, etc. of the terminal user stored in the affiliate server.

The present invention has an effect of strengthening security when providing a financial alliance service by embedding a smart card chip in the electronic wallet device and the authentication process of the user's identification number authentication and electronic wallet device identification number.

In addition, since the program includes only link information, there is an effect of providing a fast execution speed at the initial loading of the program and at the time of providing financial cooperation services.

The present invention has the effect of providing an optimized push-type information providing service to the user by using information such as the user's age, occupation, and the like.

Improved devices and systems have the effect of providing convenience in usability when using e-commerce.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, configurations and operations of embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a system for providing a financial cooperation service using the present invention electronic wallet device. As shown in FIG. 1, a system for providing a financial cooperation service using an electronic wallet device includes an electronic wallet device 100, a terminal 200, an affiliate server 300, an affiliate terminal 400, and an online shopping mall server 500. Consists of

2 is a detailed configuration diagram of the electronic wallet device. The electronic wallet device 100 has a flash memory 150 for storing affiliate programs and screen data, affiliate transaction data and user setting information, a smart card chip 120 equipped with a public key encryption system, and the smart card chip ( Slot 130 for attaching and detaching 120, a card reader unit 140 for reading the information of the smart card chip, a flash controller for reading data of the flash memory 150 and writing data to the flash memory 150 An interface for connecting the RF antenna 180 and the card reader unit 140 or the flash controller 160 to an external device, the RF antenna 180 capable of contactless communication with an external terminal and connected to an electronic wallet device through the slot. It is composed of an electronic wallet device consisting of a portion (170). Preferably, the interface unit 170 may be configured of a USB port, Bluetooth, and ZigBee.

The affiliate server 300 performs issuance, authentication, and registration of the electronic wallet device, and performs authentication when a user connects the electronic wallet device to a terminal and accesses it through a communication network, and provides financial cooperation services and contents to the user. do.

The affiliate terminal 400 communicates with the affiliate server to issue and register the electronic wallet device.

The terminal 200 recognizes the connection of the electronic wallet device 100 through a connection means and is connected to the affiliate server through a communication network to provide a financial affiliate service and contents to a user using an affiliate program of an affiliate company.

The online shopping mall server 500 provides an automatic login through an ID and password stored in the electronic wallet device 100 and provides an electronic payment using the affiliate program exclusively.

3 is a configuration diagram showing the detailed configuration of the smart card chip 120. Affiliate using the electronic wallet device identification number, the encryption processing module 121 for processing the electronic wallet device identification number and the user identification number by using a public key method through communication with the affiliated dedicated program, the encryption processing module An authentication module 122 for authenticating an electronic wallet device through communication with a server, and for authenticating a user through communication with the affiliate program exclusively by using a user identification number whose password has been released from an encryption processing module, the slot and the smart card chip. It consists of a communication module 123 for performing communication between and smart card chip memory 124 for storing affiliate information such as public certificate, account / credit card information, user information. Preferably, the smart card chip may be implemented by selecting any one of a financial card, a communication card, a credit card, and a USIM.

The affiliate program only has link information for the financial affiliate service, and each program of the financial affiliate service is executed when an actual user requests each financial affiliate service. In addition, the financial alliance service providing system using the electronic wallet device stores the screen data information set by the user in the flash memory and displays the financial alliance service related interface screen on the user interface of the terminal according to the screen data information.

Figure 4 is a flow chart of the financial alliance service providing method using the present inventors financial alliance service providing system. In a financial alliance service providing method using a financial alliance service providing system, a first step (S110) in which the affiliate dedicated program is connected to the affiliate server 300, and the affiliate server 300 is provided with the electronic wallet device identification number in the affiliate dedicated program. The second step (S120) for requesting, the third step (S130) for transmitting the electronic wallet device identification number stored in the affiliate program dedicated to the affiliate server 300, the affiliate server 300 identifies the electronic wallet device A fourth step (S140) of requesting the affiliated affiliate program from the affiliated server to the affiliated server if the authentication is successful for the electronic wallet device using the number; A fifth step (S150) in which the affiliate server 300 checks the version of the affiliate program exclusively and downloads the latest version affiliate program only if it is not the latest version; A sixth step (S160) of requesting the financial affiliate service inputted from the user by the affiliated exclusive program to the affiliated server 300, and performing the financial affiliated service after the affiliated server processes the requested financial affiliated service; It consists of a seventh step (S170) to deliver to the affiliate program.

In addition, the financial alliance service providing method using the financial alliance service providing system includes the step (a) in which the electronic wallet device 100 is plugged into the terminal 200 before the first step, and the electronic wallet device 100 is connected to the terminal ( Step (b) of recognizing 200, the electronic wallet device (100) to drive the affiliate dedicated program suitable for the terminal 200 and (c) authenticating a user using a user identification number; It may be.

Preferably, the financial alliance service providing method using the financial alliance service providing system includes: (d) requesting, by the affiliated exclusive program, the electronic payment service from the online shopping mall server 500; (E) the online shopping mall server 500 receiving the electronic payment service request from the affiliate program exclusively for the electronic payment service request to the affiliate server 300; (F) transmitting the processing result to the online shopping mall server 500 after the affiliate server 300 processes the electronic payment service; (G) transmitting, by the online shopping mall server 500, the electronic payment service processing result to the affiliated program. The financial alliance service providing method using the financial alliance service providing system may provide an automatic login by transferring the ID and password of the online shopping mall 500 stored in the electronic wallet device 100 by the affiliated program. Preferably, the electronic payment service may be processed using an Internet Security Payment Service (ISP).

In the financial alliance service providing method using the financial alliance service providing system, as described in the financial alliance service providing system, the screen data information set by the user is stored in the memory and stored on the user interface of the terminal 200 according to the screen data information. The financial affiliate service related interface screen is displayed. In addition, the affiliate program exclusively has only link information for the financial affiliate service and when the actual user requests each financial affiliate service, the affiliate program associated with the financial affiliate service is executed.

In addition, the financial alliance service providing method using the financial alliance service providing system includes: (h) providing a push type information providing service to the exclusive program for the affiliated company in the affiliated server 300; (I) displaying the push type information providing service provided by the affiliate program exclusively on the interface of the terminal 200. By doing so, the affiliate server 300 may provide push type information to the user. The affiliate server 300 may provide a push type information providing service optimized for a user by utilizing personal information of a terminal user stored in the affiliate server 300. Preferably, the personal information may be provided for each age, age, region, occupation, and hobby of the terminal user stored in the affiliate server 300.

Although the embodiments of the present invention have been described above with reference to the accompanying drawings, those skilled in the art may implement the present invention in other specific forms without changing the technical spirit or essential features of the present invention. You will understand that. Accordingly, the embodiments described above are exemplary in all respects and not restrictive.

The present invention is very useful in the industry because the smart card chip is embedded in the electronic wallet device and the user's identification number authentication and the electronic wallet device identification number through the authentication process to enhance security when providing the financial cooperation service.

1 is a block diagram of a system for providing a financial cooperation service using the present invention electronic wallet device.

2 is a detailed configuration diagram of the electronic wallet device.

3 is a configuration diagram of a detailed configuration of the smart card chip 120.

Figure 4 is a flow chart of the financial alliance service providing method using the present invention financial alliance service providing system.

<Description of Major Symbols in Drawing>

100: electronic wallet device

110: RF antenna

120: smart card chip

121: encryption processing module

122: authentication module

123: communication module

124: smart card chip memory

130: slot

140: card reader

150: flash memory

160: flash controller

170: interface unit

180: RF antenna

200: terminal

300: affiliate server

400: affiliate terminal

500: online shopping mall server

Claims (19)

In the system for providing financial cooperation services using an electronic wallet device, Flash memory for storing affiliate program and screen data, affiliate transaction data and user setting information, smart card chip equipped with public key encryption system, slot for attaching and detaching the smart card chip, and reading the information of the smart card chip. A card reader unit, a flash controller for reading data from the flash memory and writing data to the flash memory, an RF antenna connected to an electronic wallet device through the slot and capable of non-contact communication with an external terminal, and the card reader unit or flash. Electronic wallet device consisting of an interface unit for connecting the controller to an external device; At least one affiliate server for issuing, authenticating, and registering the electronic wallet device, and performing authentication when the user connects the electronic wallet device to a terminal and accesses it through a communication network, and provides financial cooperation services and contents to the user; An affiliate terminal for communicating with the affiliate server and issuing and registering the electronic wallet device; A terminal for recognizing a connection of the electronic wallet device through a connection means and connected to the affiliate server through a communication network to provide a financial affiliate service and contents to a user using an affiliate dedicated program of the affiliated user; And An online shopping mall server that provides an automatic login through an ID and password stored in an electronic wallet device and provides electronic payment using the affiliate program exclusively. The affiliate program stored in the electronic wallet device, Financial affiliate service providing system using an electronic wallet device, characterized in that the automatic login and electronic payment in the online shopping mall server using the affiliate program. The method of claim 1, Financial cooperation service providing system using the electronic wallet device, Financial cooperation service providing system using the electronic wallet device, characterized in that the push-type information providing service is available through the affiliate program. The method of claim 1, Financial cooperation service providing system using the electronic wallet device, The system for providing financial cooperation services using the electronic wallet device, characterized in that when executing the affiliate program exclusively connected to the affiliate server to check the updated version of the affiliate program exclusively and automatically download. The method according to claim 1, The interface unit, Financial cooperation service providing system using the electronic wallet device, characterized in that any one selected from the crowd consisting of a USB port, Bluetooth and ZigBee. The method according to claim 1 or 2, The smart card chip, An encryption processing module for processing an electronic wallet device identification number and a user identification number by using a public key method through communication with the affiliated program; Authenticate the electronic wallet device through communication with the affiliate server using the electronic wallet device identification number deciphered from the encryption processing module, and communicate with the affiliated program using the user identification number deciphered from the encryption processing module. Authentication module for authenticating the user through; A communication module for performing communication between the slot and the smart card chip; And And a smart card chip memory for storing affiliate information such as an accredited certificate, account / credit card information, user information, etc .; and a financial cooperation service providing system using the electronic wallet device. The method according to claim 1 or 2, The affiliate program only, The financial alliance service providing system using only the electronic wallet device, characterized in that only the link information for the financial alliance service and the actual user requests each financial alliance service, the affiliate program associated with the financial alliance service is executed. The method according to claim 1 or 2, Financial cooperation service providing system using the electronic wallet device, The financial alliance service providing system using the electronic wallet device, wherein the screen data information set by the user is stored in the flash memory and the financial alliance service related interface screen is displayed on the user interface of the terminal according to the screen data information. The method according to claim 1 or 2, The smart card chip, Financial card, communication card, credit card, USIM financial cooperation service providing system using the electronic wallet device, characterized in that any one selected from the crowd consisting of. In the financial alliance service providing method using the financial alliance service providing system, A step 1 in which the affiliate dedicated program accesses an affiliate server; Requesting, by the affiliate server, an electronic wallet device identification number from the affiliate program exclusively; Transmitting an electronic wallet device identification number stored in the affiliated company exclusive program to the affiliated company server; Step 4, when the affiliate server succeeds in authenticating the electronic wallet device using the electronic wallet device identification number, requesting the affiliate server exclusive program for the affiliate version from the affiliate server; Step 5 of the affiliate server to check the version of the affiliate dedicated program to download the latest version of the affiliate dedicated program if it is not the latest version; Step 6 for requesting the affiliate server for the financial affiliate service inputted from the user by the affiliate program; And performing, by the affiliate server, the requested financial alliance service and delivering the performance result of the financial alliance service to the affiliate program exclusively. The electronic wallet device, Flash memory for storing affiliate program and screen data, affiliate transaction data and user setting information, smart card chip equipped with public key encryption system, slot for attaching and detaching the smart card chip, and reading the information of the smart card chip. A card reader unit, a flash controller for reading data from the flash memory and writing data to the flash memory, an RF antenna connected to an electronic wallet device through the slot and capable of non-contact communication with an external terminal, and the card reader unit or flash. The financial alliance service providing method using the financial alliance service providing system, characterized in that the interface unit for connecting a controller to an external device. The method of claim 9, Financial alliance service providing method using the financial alliance service providing system, Before step 1 above, (a) the electronic wallet device plugged into the terminal; (b) the electronic wallet device recognizing the terminal; (c) the electronic wallet device driving the affiliated company-specific program suitable for the terminal and authenticating the user by using the user identification number; providing the financial cooperation service using the financial cooperation service providing system, further comprising: Way. The method according to claim 9 or 10, Financial alliance service providing method using the financial alliance service providing system, The financial alliance service providing method using the financial alliance service providing system, wherein the screen data information set by the user is stored in the memory and the financial alliance service related interface screen is displayed on the user interface of the terminal according to the screen data information. The method according to claim 9 or 10, Financial alliance service providing method using the financial alliance service providing system, (d) requesting an electronic payment service from the online shopping mall server by the affiliated program; (e) the online shopping mall server receiving the electronic payment service request from the affiliate program for the electronic payment service request to the affiliate server; (f) transmitting the processing result to the online shopping mall server after the affiliate server processes the electronic payment service; (g) the online shopping mall server delivering the electronic payment service processing result to the affiliate program exclusively; the financial alliance service providing method using the financial alliance service providing system further comprising. The method of claim 12, Financial alliance service providing method using the financial alliance service providing system,  The affiliated company dedicated program to automatically log in by passing the ID and password of the online shopping mall stored in the electronic wallet device; The financial alliance service providing method using the financial alliance service providing system further comprising. The method according to claim 9 or 10, The affiliate program only, A financial alliance service providing method using the financial alliance service providing system, which has only link information on the financial alliance service, and when the actual user requests each financial alliance service, the affiliate program related to the financial alliance service is executed. The method according to claim 9 or 10, The smart card chip, A financial alliance service providing method using the financial alliance service providing system, characterized in that any one selected from the group consisting of a financial card, communication card, credit card, USIM. The method of claim 12, The electronic payment service, A financial alliance service providing method using the financial alliance service providing system, characterized in that the payment is made using the Internet Security Payment Service (ISP). The method according to claim 9 or 10, Financial alliance service providing method using the financial alliance service providing system, (h) providing a push type information providing service to the affiliate program exclusively at the affiliate server; (i) displaying the push-type information providing service provided by the affiliate program exclusively on the interface of the terminal; and providing the financial alliance service providing system using the financial alliance service providing system. The method of claim 17, Financial alliance service providing method using the financial alliance service providing system, The financial affiliate service providing method using the financial affiliate service providing system, characterized in that the affiliate server provides a push type information providing service optimized for the user by utilizing the personal information of the terminal user stored in the affiliate server. The method of claim 17, The personal information, The financial alliance service providing method using the financial alliance service providing system, characterized in that the age, age, region, occupation, hobby of the terminal user stored in the affiliate server.
KR1020090119399A 2009-12-03 2009-12-03 Financial cooperation services offer system using electronic wallet apparatus and financial cooperation services offer method thereby KR20110062620A (en)

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WO2013063446A1 (en) * 2011-10-26 2013-05-02 Mastercard International Incorporated Methods, systems and computer readable media for enabling a downloadable service to access components in a mobile device
WO2013141457A1 (en) * 2012-03-19 2013-09-26 에스케이플래닛 주식회사 System, terminal, apparatus and method for electronic payment system
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US8959143B2 (en) 2011-10-26 2015-02-17 Mastercard International Incorporated Methods, systems and computer readable media for enabling a downloadable service to access components in a mobile device
US10142442B2 (en) 2011-10-26 2018-11-27 Mastercard International Incorporated Methods, systems and computer readable media for enabling a downloadable service to access components in a mobile device
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WO2013187557A1 (en) * 2012-06-15 2013-12-19 에스케이플래닛 주식회사 Offline payment system, offline payment device, and offline payment method
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US9408075B2 (en) 2013-06-17 2016-08-02 Google Inc. Systems, methods, and computer program products for processing a request relating to a mobile communication device
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