KR20130028498A - System and method for processing of financial service - Google Patents

System and method for processing of financial service Download PDF

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Publication number
KR20130028498A
KR20130028498A KR1020110092100A KR20110092100A KR20130028498A KR 20130028498 A KR20130028498 A KR 20130028498A KR 1020110092100 A KR1020110092100 A KR 1020110092100A KR 20110092100 A KR20110092100 A KR 20110092100A KR 20130028498 A KR20130028498 A KR 20130028498A
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South Korea
Prior art keywords
information
remittance
card
payment
financial service
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KR1020110092100A
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Korean (ko)
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이승철
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주식회사 하나은행
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Priority to KR1020110092100A priority Critical patent/KR20130028498A/en
Publication of KR20130028498A publication Critical patent/KR20130028498A/en

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    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

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

Abstract

The terminal checks the financial service type from an application executed by an external input to provide the financial service in conjunction with the IC card and the financial service providing system. If the financial service type is a remittance service, card information is collected from the IC card, payee information, remittance amount information, and a password for the IC card are collected from the outside, and are generated as remittance information together with the card information. The remittance information generated is transferred to the financial service providing system to request a remittance service providing, and a result message for the requested remittance service providing is received from the financial service providing system.

Description

Financial service providing terminal, financial service processing system and method {System and method for processing of financial service}

The present invention relates to a financial service providing terminal, a financial service processing system and a method.

In general, when a bank issues a cash or credit card, a user uses the issued card to use a financial service through an automated device such as an ATM (automatic teller machine) provided in the bank. In addition, with the development of mobile communication technology, the use of mobile terminals has become commonplace, and technology for enabling financial services using mobile terminals has been widely used.

For example, when the subscriber identification module is inserted into the mobile terminal, the user can use the financial service using the mobile terminal through wireless communication. When using financial services in this general manner, in order to use financial services such as payment or interpersonal remittance, certain modules must be implemented or downloaded to the mobile terminal. Therefore, financial services cannot be used for cards that do not have information stored in advance. There is a problem.

Accordingly, the present invention provides a financial service providing terminal, a financial service processing system, and a method capable of using a financial service using a short range wireless communication technology.

Terminal for providing a financial service in connection with the IC card and the financial service providing system which is one feature of the present invention for achieving the technical problem of the present invention,

A service confirmation type unit for confirming whether a financial service selected by a user is one of a remittance service and a payment service according to execution of an application installed in the terminal; A remitting unit for providing a remittance service in association with the IC card and the financial service providing system when the financial service selected by the service confirmation type unit is confirmed as the remittance service; And a payment unit that provides a payment service in association with the IC card and the financial service providing system when the financial service selected by the service confirmation type unit is determined to be the remittance service.

Financial service providing system for providing a financial service in connection with the terminal and the account system which is another feature of the present invention for achieving the technical problem of the present invention,

An information receiver configured to receive remittance information or payment information from the terminal; An information checking unit for authenticating the user based on a password included in each of the remittance information and the payment information received by the information receiving unit; A remittance / payment request unit which transmits the remittance information or the payment information to the account system and requests remittance or payment; And a result sending / receiving unit which receives a result message for remittance or payment from the account system and transmits the result message to the terminal.

Another aspect of the present invention for achieving the technical problem of the present invention is a method for providing a financial service in conjunction with an IC card and a financial service providing system,

Identifying a financial service type from an application executed by an external input; Collecting card information from the IC card when the financial service type is a money transfer service; Collecting payee information, remittance amount information, and password for the IC card, which are input from the outside, and generating remittance information together with the card information; Transmitting the generated remittance information to the financial service providing system and requesting to provide a remittance service; And receiving a result message for providing the requested remittance service from the financial service providing system.

According to an embodiment of the present invention, a short-range wireless communication technology and an IC card may be used in a terminal to use financial services such as individual money transfer or mobile payment.

1 is an exemplary view showing a financial service processing environment according to an embodiment of the present invention.
2 is a structural diagram of a terminal according to an embodiment of the present invention.
3 is a structural diagram of a financial service providing system according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating a financial service processing method according to a first embodiment of the present invention.
5 is a flowchart illustrating a financial service processing method according to a second embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, except to exclude other components unless otherwise stated.

In this specification, a terminal includes a mobile station (MS), a mobile terminal (MT), a subscriber station (SS), a portable subscriber station (PSS) An access terminal (AT), and the like, and may include all or some of functions of a mobile terminal, a subscriber station, a mobile subscriber station, a user equipment, and the like.

In this specification, a base station (BS) is an access point (AP), a radio access station (RAS), a node B, a base transceiver station (BTS) Mobile Multihop Relay) -BS, and may include all or some of the functions of an access point, a radio access station, a Node B, a base transceiver station, and an MMR-BS.

Hereinafter, a financial service processing system and method according to an embodiment of the present invention will be described with reference to the drawings.

1 is an exemplary view showing a financial service processing environment according to an embodiment of the present invention.

As shown in FIG. 1, a terminal 100 equipped with a near field communication (NFC) module is a cash, prepaid or debit card for processing a financial service such as mobile payment or direct transfer between terminals. Read IC card (Integrated Circuit card) such as 200. Then, the card information stored in the IC card 200 is collected and transferred to the financial service providing system 300, and the financial system can be processed in association with the account system 400.

 Here, the account system 400 may be implemented in a form included in the financial service providing system 300, or may be implemented independently of the financial service providing system 300 as shown in FIG. Using such a system, even if card information is not stored in a terminal, a financial service can be used. In this case, the structure of the terminal 100 and the financial service providing system 300 will be described with reference to FIGS. 2 and 3.

2 is a structural diagram of a terminal according to an embodiment of the present invention, Figure 3 is a structural diagram of a financial service providing system according to an embodiment of the present invention.

First, as shown in FIG. 2, the terminal 100 according to the embodiment of the present invention includes a service type checking unit 110, a remitting unit 120, and a payment unit 130.

The service type checking unit 110 checks the service type of the executed application when the user executes an application that can use the financial service among the applications installed in the terminal 100. At this time, the embodiment of the present invention is described as two types of financial services as a type of financial services between the user's terminal or terminal from the terminal to the bank account and payment service to settle the costs, but is not necessarily limited to this. no. The service type checking unit 110 provides a guide message to the user according to the service type so as to read the IC card using the terminal 100 or read the product information from the product.

When the type of the application selected by the user in the service type checking unit 110 confirms the remittance, the remittance unit 120 that provides the financial service for remittance in association with the IC card and the financial service providing system 300 collects the card information. Unit 121, card information storage unit 122, recipient information collection unit 123, remittance information collection unit 124, remittance request / reception unit 125, authentication information storage unit 126 and result provider 127 ).

The card information collecting unit 121 collects card information from the user's card issued for the account to be remitted. In the exemplary embodiment of the present invention, the card information collecting unit 121 is implemented to enable near field communication (NFC) in order to collect card information. However, the present invention is not necessarily limited thereto. In addition, a technology related to short-range wireless communication is already known, and a detailed description of a method for collecting information by using short-range wireless communication technology will be omitted. Here, the card information includes information such as a card number (or account number), card expiration date, cardholder information, and the like.

The card information storage unit 122 temporarily stores the card information collected by the card information collecting unit 121. This is to use the temporarily stored information without re-collecting the card information when the remittance procedure is required from the beginning because the remittance is not completed in the middle of the remittance procedure. The card information stored temporarily is deleted after the remittance is completed or after a preset time when the remittance is not completed.

Recipient information collection unit 123 receives a user's account number to send money by using the keypad of the terminal, receives this information to the financial service providing system 300 to the recipient information for the account number financial service providing system ( 300). In this case, even if the user inputs the telephone number of the payee terminal without inputting the account number, the payee information may be received from the financial service providing system 300 using the input telephone number. The payee information here includes information such as payee name, account number, payee phone number, bank name.

The remittance information collection unit 124 generates remittance information. In this case, the remittance information includes the remittee information including the remittee's account number or the recipient's telephone number and the amount information, and collects the sender's password information input by the user and includes it in the remittance information. In this case, various passwords may be used according to a password, a separately designated password, or a password of an account for a card, and the like is not limited to any one password.

The remittance request / receiver unit 125 receives remittance information from the remittance information collection unit 124 and performs user authentication using a password included in the remittance information. In this case, the authentication information (for example, a public certificate) previously stored in the authentication information storage unit 126 is used for user authentication, and the user authentication procedure is already known. . In this case, the authentication procedure may be omitted. In this case, the remittance request / receiving unit 125 receives a result of the user authentication procedure from the financial service providing system 300. However, in the embodiment of the present invention, the authentication procedure is performed in the terminal 100 and the authentication process is also performed in the financial service providing system 300 as an example, and the present invention is not necessarily limited thereto.

In addition, when the user authentication is successful, the remittance / request receiver 125 transmits the account number, the amount information, and the user's card or account password information to the financial service providing system 300 to perform the remittance procedure. And the result providing unit receives any one message from the financial service providing system 300 of the transfer complete message indicating that the transfer is completed, the transfer failure message notifying that the transfer failed, or the user authentication failure message indicating that the user authentication failed Forward to 127.

The authentication information storage unit 126 performs an authentication procedure with an authorized certificate, which is stored in advance in the authentication information storage unit 126, when the money transfer request / reception unit 125 transmits the amount information to the financial service providing system 300. Provide authentication information to do this. In this case, the authentication procedure may be omitted, and if the authentication procedure is omitted, the financial service providing system 300 performs a user authentication procedure and notifies the terminal 100 of the result.

The result providing unit 127 provides a user with any one of a remittance complete message, a remittance failure message, or a user authentication failure message received by the remittance request / receiver 125.

On the other hand, when the service type check unit 110 confirms that the type of application selected by the user as payment, the payment unit 130 for providing a financial service for payment is a product information collection unit 131, card information collection unit 132 ), The card information storage unit 133, the payment request / reception unit 134 and the result providing unit 135.

The product information collecting unit 131 collects product information by reading a promotional material containing information about a product or a product that you want to purchase. At this time, in the embodiment of the present invention to explain the product information collecting unit 131 is implemented as a reader (Reader) to collect the product information as an example, but is not necessarily limited to this. In particular, the reader is implemented as a reader for reading a Radio Frequency Identification (RFID) tag, a barcode or a Quick Response (QR) code attached to a product or promotional material, and the technology related to the reader is known. Will be omitted. In this case, the product information includes information such as a product name and a product price.

The card information collecting unit 132 collects card information from a user's card issued for the account to be settled. In the exemplary embodiment of the present invention, the card information collecting unit 131 is implemented as short-range wireless communication to collect card information as an example, but is not necessarily limited thereto. In addition, a technology related to short-range wireless communication is already known, and a detailed description of a method for collecting information by using short-range wireless communication technology will be omitted. Here, the card information includes information such as a card number, card expiration date, cardholder information, and the like.

The card information storage unit 133 temporarily stores the card information collected by the card information collection unit 132. This is to use the information stored temporarily without re-collecting the card information when the payment process is to be performed again from the beginning because the transfer is not completed in the middle of the payment process. The temporarily stored card information is deleted after the payment is completed or, if the payment is not completed after a predetermined time.

The payment request / receiving unit 134 receives the product amount of the product information collected by the product information collecting unit 131, the card information collected by the card information collecting unit 132, and the account or card password input by the user. Including along with to generate payment information. In addition, the payment information is transmitted to the financial service providing system 300 to request payment to be made. In addition, the financial service providing system 300 receives any one of a payment completion message indicating that the payment is completed, a payment failure message indicating that the payment has failed, or a user authentication failure message indicating that the user authentication has failed, and providing a result provider. Forward to 135.

The result providing unit 135 provides a user with any one of a payment completion message, a payment failure message, or a user authentication failure message received by the payment request / receiver 134.

Meanwhile, as shown in FIG. 3, the structure of the financial service providing system 300 that provides financial services to a user in conjunction with the terminal 100 and the account system 400 of FIG. 2 is determined by the information receiving unit 310 and information confirmation. The unit 320, the information storage unit 330, the remittance / settlement request unit 340 and the result transmission / reception unit 350.

The information receiver 310 receives a remittance request or a payment request from the remittance request / receiver 125 or the payment request / receiver 134 of the terminal 100. In this case, the remittance request or the payment request includes the account number, the amount information and the password information or the product amount, the card information, and the password, respectively.

The information checking unit 320 confirms the user's information based on the password among the information received by the information receiving unit 310. To this end, the user information previously stored in the information storage unit 330 is compared with the input password to authenticate the user.

That is, the information check unit 320 determines that the authentication is successful if the input password and the password of the user information previously stored match, and the account number stored in the information storage unit 330 corresponding to the password. And transfers the transfer or payment amount information to the transfer / settlement request unit 340. However, if authentication of the user fails, the authentication failure message is transmitted to the remittance request / receiver 125 or the payment request / receiver 134 of the terminal 100 to be provided to the user.

The money transfer / payment request unit 340 transfers the information received from the information verification unit 320 to the account system 400, withdraws the amount for the transfer or payment from the account and transfers the money to the beneficiary account or the cost of the product. Ask for payment. Herein, a method of performing a remittance or payment through interworking with the account system 400 is already known, and detailed descriptions thereof will be omitted in the exemplary embodiment of the present invention.

The result transmitter / receiver 350 receives the remittance or payment result information from the account system 400 and transmits the result information to the remittance request / receiver 125 or the payment request receiver 134 of the terminal 100 to provide the user with the result information. do.

A method of processing according to the type of financial service in such a financial service processing environment will be described with reference to FIGS. 4 and 5.

4 is a flowchart illustrating a financial service processing method according to the first embodiment of the present invention, and FIG. 5 is a flowchart illustrating a financial service processing method according to the second embodiment of the present invention.

First, when a user executes a specific application in his terminal 100 (S100), the service type checking unit 110 of the terminal 100 determines whether the executed application is an application for a remittance service or an application for a payment service. Check (S110). If the application for the remittance service is executed, the user provides a message to read the IC card using the terminal (100). Then, the user reads the IC card using the terminal 100 (S200).

When the card information collecting unit 121 collects the card information (S210), the payee information collecting unit 123 and the remittance information collecting unit 124 respectively receive the payee information, the remittance amount and the password inputted by the user ( S220, S230). Here, the card information includes the card number of the IC card read by the terminal 100 and the card expiration date information. The payee information includes information such as a payee name, an account number (or a payee's terminal number), and a name of a bank to which the payee transacts. The remittance amount includes money information to be remitted.

The password means a password of a card or a bank account of a user who uses a remittance service or a password that is separately designated. In this case, when the card information collecting unit 121 collects the card information in step S210, the collected card information may be transferred to the card information storage unit 122 to be temporarily stored.

When information such as card information, payee information, and remittance amount is collected as described above, the remittance request / receiver unit 125 uses the authentication information stored in the authentication information storage unit 126 and collected password information in advance. User authentication is performed (S240). Here, the user authentication method is already known, and detailed description thereof will be omitted in the exemplary embodiment of the present invention.

If the user authentication fails, the result providing unit 127 transmits a message indicating that the user authentication has failed to provide the user (S250). However, if the user authentication is successful, the remittance information is transmitted to the financial service providing system 300 (S260). The remittance information includes card information, payee information, remittance amount and password. The information checking unit 320 of the financial service providing system 300 performs user authentication using the information received by the information receiving unit 310 to determine whether the authentication is successfully completed (S270).

That is, the information checking unit 320 compares the password information among the received information with the password information previously stored in the information storage unit 330 to determine whether the two numbers match. If it matches, the user authentication is determined to have been successfully completed, and transfers the information received to the remittance / payment requester 340 to transfer the remittance amount and the payee information to the account system 400 (S290). However, if the password does not match, the information verification unit 320 provides an authentication failure message to the transfer request / reception unit 125 to be provided to the user through the result providing unit 127 (S280).

Receiving the remittance information in step S290 the account system 400 transfers the remittance amount to the account number included in the payee information, the remittance amount withdrawal completion message indicating that the remittance amount has been withdrawn from the financial service providing system 300 Transfer to the remittance / payment request unit 340 (S300). At this time, if the account system 400 can not process the transfer, such as a system problem, transfer the transfer failure message to the transfer / payment request unit 340.

The transfer / payment request unit 340 determines the message received from the account system 400 (S310), and if the transfer is completed, transfers the transfer completion message to the transfer request / receiver 125 of the terminal 100 (S330). ). However, if the remittance failure message is received, the remittance request / receiving unit 125 transmits a failure message (S320), to inform the user of the remittance results.

Meanwhile, if it is determined in step S110 that the type of application executed by the service type checking unit 110 is related to a payment service, the service type checking unit 110 uses the terminal 100 to the user as shown in FIG. 5. To provide product information of the product. Then, the user reads various tags or codes attached to the product or the promotional material using the terminal 100 (S400), and the product information collecting unit 131 collects the product information from the read tag or code (S410). In this case, the product information includes information such as a product name and a product price.

When the product information is collected, the service type checking unit 110 provides a message to the user to read the card information of the card to be paid using the terminal 100. When the user reads his IC card using the terminal 100 based on the provided message (S420), the card information collecting unit 132 collects the card information and the password for the IC card input by the user ( S430). In this case, the collected card information may be temporarily stored in the card information storage unit 133.

When the product information, the card information, the password, etc. are collected through steps S410 and S430, the payment request / collection unit 134 transmits the collected information to the financial service providing system 300 to request payment for the product ( S440). The information checking unit 320 of the financial service providing system 300 performs user authentication using the information received by the information receiving unit 310 to determine whether the authentication is successfully completed (S450).

That is, the information checking unit 320 compares the password information among the received information with the password information previously stored in the information storage unit 330 to determine whether the two numbers match. If it matches, the user authentication is determined to be successfully terminated and the information received by the remittance / payment requester 340 is transferred to the account system 400 to transmit payment information including the payment amount and product information (S470). However, if the password does not match, the information verification unit 320 provides an authentication failure message to the transfer request / reception unit 125 to be provided to the user (S460).

In step S470, the account system 400 that has received the payment information transfers the corresponding payment amount to the account number of the merchandise sales company included in the product information, and the financial service providing system with a payment amount withdrawal completion message indicating that the payment amount has been withdrawn. Transfer to the transfer / payment request unit 340 of (300) (S480). At this time, if the account system 400 can not process the payment, such as a system problem, the payment failure message is transmitted to the transfer / payment request unit 340.

The remittance / payment requester 340 determines the message received from the account system 400 (S490), and if the payment is completed, delivers the payment completion message to the payment request / receiver 134 of the terminal 100 (S510). ). However, if a payment failure message is received, a failure message is transmitted to the payment request / receiver 134 (S500) to inform the user of the payment result.

Through such a service, it is possible to provide a remittance service or a payment service using information embedded in a card by reading an IC card without directly mounting NFC on the USIM as in the past.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (16)

A terminal for providing a financial service in association with an IC card and a financial service providing system,
A service confirmation type unit for confirming whether a financial service selected by a user is one of a remittance service and a payment service according to execution of an application installed in the terminal;
A remitting unit for providing a remittance service in association with the IC card and the financial service providing system when the financial service selected by the service confirmation type unit is confirmed as the remittance service; And
A payment unit that provides a payment service in association with the IC card and the financial service providing system when the financial service selected by the service confirmation type part is determined to be the remittance service;
. The method of claim 1,
The remittance unit,
A card information collecting unit for collecting card information from the IC card;
A payee information collection unit for collecting payee information including a payee account number, a payee name, and a payee terminal number input from the outside;
A remittance information collecting unit including card information collected by the card information collecting unit and the payee information collected by the payee information collecting unit, and collecting remittance information by collecting a password for the IC card input from the outside;
The user authentication is performed based on the remittance information and the authentication information. If the user authentication is successful, the remittance information is transmitted to the financial service providing system to request a remittance, and the result message for remittance is received from the financial service providing system. Remittance request / receiving unit; And
Result providing unit for providing the user with the result message received from the remittance request / receiver
. The method of claim 2,
The remittance unit,
A card information storage unit which stores the card information collected by the card information collecting unit for a preset time; And
An authentication information storage unit for providing the authentication information to the remittance request / receiver, when the remittance request / receiver performs user authentication based on the remittance information.
Terminal further comprising. The method of claim 1,
The payment unit,
A merchandise information collection unit for collecting merchandise information from merchandise or promotional material;
A card information collecting unit for collecting card information from the IC card;
Perform user authentication based on the payment information including the product information, the card information, and a password input from the outside; and if the user authentication is successful, the payment information is transmitted to the financial service providing system to request a payment; A payment request / receiving unit for receiving a result message on payment from the financial service providing system; And
Result providing unit for providing a result message received by the payment request / receiving unit to the user
. 5. The method of claim 4,
The payment unit,
A card information storage unit which stores the card information collected by the card information collection unit for a preset time;
Terminal further comprising. The method of claim 1,
The IC card includes a cash card, a prepaid card or a debit card. The method according to claim 2 or 4,
The card information collecting unit collects card information from the IC card through a near field communication. In the financial service providing system for providing a financial service in conjunction with the terminal and the account system,
An information receiver configured to receive remittance information or payment information from the terminal;
An information checking unit for authenticating the user based on a password included in each of the remittance information and the payment information received by the information receiving unit;
A remittance / payment request unit which transmits the remittance information or the payment information to the account system and requests remittance or payment; And
Result sending / receiving unit for receiving a result message for remittance or payment from the account system, and forwarding to the terminal
Financial service providing system comprising a. 9. The method of claim 8,
An information storage unit for storing user information including an account number, a password, and card information for a user who uses a financial service, and providing user information that is stored in advance when the information verification unit authenticates the user;
Financial service providing system comprising a. In the method in which the terminal provides a financial service in conjunction with the IC card and the financial service providing system,
Identifying a financial service type from an application executed by an external input;
Collecting card information from the IC card when the financial service type is a money transfer service;
Collecting payee information, remittance amount information, and password for the IC card, which are input from the outside, and generating remittance information together with the card information;
Transmitting the generated remittance information to the financial service providing system and requesting to provide a remittance service; And
Receiving a result message for providing the requested remittance service from the financial service providing system;
Financial service providing method comprising a. The method of claim 10,
The request for providing the remittance service may include:
Performing authentication on a user based on the collected card information and the password;
Transmitting the remittance information to the financial service providing system if the user authentication is successful; And
If the user authentication fails, outputting an authentication failure message
Financial service providing method comprising a. The method of claim 10,
The card information includes card number, card expiration date and cardholder information,
The payee information includes a payee account number, a payee name and a payee terminal number. The method of claim 10,
And the result message is any one of a remittance amount withdrawal completion message, a remittance failure message, or a user authentication failure message. The method of claim 10,
If the financial service type is a payment service after the step of checking the financial service type,
Collecting product information by reading a tag attached to a product or a promotional material;
Collecting card information from the IC card and collecting a password input from the outside;
Requesting to provide a payment service by transferring payment information including the product information, the card information, and the password to the financial service providing system; And
Receiving a result message for providing the requested payment service from the financial service providing system;
Financial service providing method comprising a. 15. The method of claim 14,
And the result message is any one of a payment amount withdrawal completion message, a payment failure message, or a user authentication failure message. The method of claim 10,
The financial service providing system,
Receiving any one of remittance information and payment information from the terminal;
Authenticating a user based on a password included in the remittance information or payment information;
When the authentication of the user is completed, transmitting the remittance information or payment information to an account system to which the financial service providing system is interworked; And
Receive a remittance amount withdrawal message for the remittance information or payment information, the remittance amount withdrawal failure message, the payment amount withdrawal complete message or the payment amount withdrawal failure message for the remittance information or payment information from the account system, and request the remittance to the terminal or Steps to provide as a result of a payment request
Financial service providing method comprising a.
KR1020110092100A 2011-09-09 2011-09-09 System and method for processing of financial service KR20130028498A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150072021A (en) 2013-12-19 2015-06-29 주식회사 코스터 System for electronic certification using complex certification and Method of electronic certification the same
KR20150114359A (en) * 2014-03-28 2015-10-12 주식회사 우리카드 Card registeration system by contacting card and operating method thereof
WO2017164619A1 (en) * 2016-03-22 2017-09-28 주식회사 페이엠월드 Card transaction system using near-field wireless communication, mobile communication terminal having function of same, and method for same

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150072021A (en) 2013-12-19 2015-06-29 주식회사 코스터 System for electronic certification using complex certification and Method of electronic certification the same
KR20150114359A (en) * 2014-03-28 2015-10-12 주식회사 우리카드 Card registeration system by contacting card and operating method thereof
WO2017164619A1 (en) * 2016-03-22 2017-09-28 주식회사 페이엠월드 Card transaction system using near-field wireless communication, mobile communication terminal having function of same, and method for same

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