KR20140022241A - Method and sistem for financial transaction that used a wireless terminal of a vehicle and recording medium - Google Patents

Abstract

The present invention relates to a financial transaction method using a wireless terminal of a vehicle. A recording medium, operating a financial service program for non-facing financial transactions by using the wireless terminal, includes an operation processing part operating a financial service program to enable non-facing financial transactions by being connected to a server of a financial company and the wireless terminal, an interface output part outputting user information (account information) to a screen of the wireless terminal by receiving the information from the wireless terminal when the use of the service is activated, a message processing part transmitting security numbers and the user information to the financial company server based on an interface outputted to the screen and outputting its result to the screen of the wireless terminal, and a financial control part controlling a wireless terminal function by being wirelessly connected to the wireless terminal. [Reference numerals] (100) vehicle wireless terminal; (110) Control part; (110a) communication channel switch part; (110b) Information transmitting part; (110c) Information receiving part; (110d) Security module processing part; (110e) Communication channel connecting part; (110f) Activation processing part; (110g) Interface output part; (110h) Information input part; (110i) Message generating part; (110j) Message processing part; (120) Screen output part; (125) Sound processing part; (130) Key input part; (135) Memory part; (150) Communication processing part; (160) Security module; (170) Power supply part; (180) Financial company server; (190) Personalty relay server; (AA) Internet communication network; (BB) Interface information; (CC) Security module information

Description

Financial transaction system and method using wireless terminal of vehicle and recording medium therefor {Method and Sistem for financial transaction that used a wireless terminal of a vehicle and Recording Medium}

The present invention relates to a financial transaction system and method using a wireless terminal of a vehicle and a recording medium therefor.

The development of industry and technology is providing modern people with prompt information and various technologies. In-vehicle wireless terminals are also products of this development. In particular, Hyundai may suffer economic and time losses due to increased traffic congestion and logistics costs.

Therefore, attempts are being made to efficiently control traffic flows to prevent such economic losses. One of them is the vehicle information terminal.

A vehicle wireless terminal is also called a telematics system. Telematics is a technology that allows a driver to send and receive information based on a GPS, wireless, voice data communication, and satellite location information system (GPS). It is a terminal and operating system that can provide various information such as traffic information, emergency response, remote vehicle diagnosis, internet use (financial transaction, news, e-mail, etc.) to riders and riders. It is an end-to-end solution that includes not only wired / wireless, hardware, but entire content and services.

With the wireless terminal of the vehicle as described above, financial transaction services and various services can be provided without limitations of time and space, but so far, it has not been universalized to many people.

According to an aspect of the present invention, there is provided a wireless terminal capable of wireless communication, and driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal, and the wireless terminal capable of wireless communication. Receiving the user's information (account information) from the user, receiving the user's financial transaction request based on the received user's information, and processing the financial transaction procedure by the received user's financial transaction request And when the financial transaction procedure is completed, transmitting the information to the wireless terminal of the vehicle.

According to a financial transaction system using a wireless terminal of a vehicle according to the present invention, there is provided a wireless terminal capable of wireless communication, and means for driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal, Means for receiving a user's information (account information) from a wireless terminal capable of wireless communication, means for receiving a user's financial transaction request based on the received user's information, and the received user's financial transaction request. Means for processing the financial transaction procedure and means for transmitting the information to the wireless terminal of the vehicle when the financial transaction procedure is completed.

According to a financial transaction method using a wireless terminal of a vehicle according to the present invention, the method includes providing a wireless terminal capable of wireless communication, and driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal, Receiving user information (account information) from a wireless terminal capable of wireless communication, receiving a financial transaction request of the user based on the received user information, and receiving the financial transaction request of the user And processing the financial transaction procedure and transmitting the information to the wireless terminal of the vehicle when the financial transaction procedure is completed.

According to a financial transaction recording medium using a wireless terminal of a vehicle according to the present invention, an apparatus for providing a wireless terminal capable of wireless communication and driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal, A driving processor connected to a wireless terminal capable of wireless communication and a server of a financial company to drive a financial service program to enable a non-face-to-face financial transaction using the wireless terminal, and when service usage is activated by the driving processor, An interface output unit that receives user information (account information) from a wireless terminal capable of wireless communication and outputs it on the screen of the wireless terminal to enable financial transactions, and user information based on the interface output on the screen of the wireless terminal. And security code to the financial company server and the result The specialized processor and the wireless terminal and the wireless connection, for outputting the screen of the terminal is characterized in that obtained by having a banking control unit for controlling the radio terminal function.

According to the financial transaction system and method using the wireless terminal of the vehicle according to the present invention and an apparatus therefor, by using the financial transaction service through a wireless terminal provided in the vehicle, there is an effect of not being limited in time and space. In addition, even if the vehicle does not carry cash, the payment service can be performed by using the wireless terminal, thereby eliminating the risk and inconvenience of holding cash.

In addition, the user can easily check the deposit and withdrawal history while the vehicle is moving.

1 is a diagram illustrating a functional configuration of a vehicle wireless terminal providing a ubiquitous banking service having an internet communication function according to a financial transaction system and method using a wireless terminal of a vehicle according to the present invention and a method of implementing a recording medium therefor. to be.
FIG. 2 is a diagram illustrating a financial transaction system and method for providing a vehicle ubiquitous banking service having an internet communication function according to a financial transaction system and method using a wireless terminal of a vehicle and an implementation method of a recording medium therefor.
3 is a diagram illustrating an authentication process for providing a financial service through a wireless terminal of a vehicle according to the present invention and a financial transaction system and method using a wireless terminal of a vehicle and an implementation method of a recording medium therefor.
FIG. 4 is a diagram illustrating a process of processing a transaction inquiry through a vehicle wireless terminal according to a financial transaction system and method using a wireless terminal of a vehicle and an implementation method of a recording medium therefor according to the present invention.
FIG. 5 is a diagram illustrating a process of providing a payment service through a vehicle wireless terminal according to a financial transaction system and method using a wireless terminal of a vehicle and an implementation method of a recording medium therefor according to the present invention.

A financial transaction system and method using a wireless terminal of a vehicle according to the present invention and a recording medium therefor will now be described in detail with reference to the accompanying drawings and description.

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.

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 order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating a functional configuration of a vehicle wireless terminal for providing a vehicle ubiquitous banking service having an Internet communication function according to a financial transaction system and method using a wireless terminal of a vehicle according to the present invention and an implementation method thereof. .

Referring to FIG. 1, a vehicle wireless terminal 100 providing a ubiquitous banking service having an Internet communication function basically includes a control unit 110, a memory unit 135, a key input unit 125, and a screen output unit 120. And a power supply unit 170 for supplying power to the sound processing unit 130, the security module 160, and the vehicle wireless terminal 100, through the communication network connected to the vehicle wireless terminal 100. The communication processor 150 connecting the financial company server 180 (or the communication relay server 190) on the communication network to which the vehicle wireless terminal 100 is connected to a communication channel for providing a vehicle ubiquitous banking service having the Internet communication function. Characterized in that comprises a.

The control unit 110 includes components (for example, the memory unit 135, the key input unit 125, the screen output unit 120, the security module 160, and the communication processing unit) included in the vehicle wireless terminal 100. 150) or by interworking with a terminal function unit according to the intention of a person skilled in the art, controlling and managing providing the electronic payment service defined in the vehicle wireless terminal 100, as well as providing a vehicle ubiquitous banking service having an internet communication function. Control the components provided in the vehicle wireless terminal 100 in cooperation with each other, or execute a program recorded in a recording medium provided in the vehicle wireless terminal 100 for providing a vehicle ubiquitous banking service having the Internet communication function. It is desirable to.

The memory unit 150 is a generic term for a nonvolatile memory for storing a predetermined program routine for controlling the overall operation of the vehicle wireless terminal 100 or information or data input / output when an operation by the program data is performed. And at least one storage means including hardware electrically erasable and programmable read only memory (EEPROM) or flash memory (FM) or hard disk drive (HDD), wherein the controller 110 has a predetermined control function. It is characterized in that the predetermined program routine and program data required to perform the operation is stored.

The key input unit 150 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information inputted from the mobile terminal and inputs predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the vehicle wireless terminal 100 controlled by the controller 110. And generating a key event corresponding to the input information, and providing the generated key event to the controller 110, wherein the controller 110 is a current input mode of the vehicle wireless terminal 100. Or acquiring predetermined key data corresponding to the key event in an operation mode, or acquiring a command for executing a predetermined function defined in correspondence with the key event. It characterized. The key input unit 150 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the vehicle wireless terminal 100.

The screen output unit 150 is a liquid crystal display (LCD) or a CRT (Cathode Ray) by the control unit 110 while the vehicle wireless terminal 100 performs a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or defined in real time to be output to a predetermined screen output device including a tube) through a predefined interface screen, wherein the screen output unit 150 and the screen are output. Output devices interoperate with each other to perform the function of screen output means provided in the vehicle wireless terminal 100.

The sound processor 130 is a functional component that processes input and output of sound in the voice communication mode of the vehicle wireless terminal 100. The sound processor 130 decodes at least one coded sound data (or voice data) to decode the vehicle. It is provided with a vocoder and a codec which outputs to a speaker provided in the wireless terminal 100 or encodes and encodes a sound signal input through a microphone provided in the vehicle wireless terminal 100. It is done by

The communication processor 150 connects a communication channel based on an internet communication network to a financial company server 180 or a communication relay server 190 on a communication network in order to use the vehicle ubiquitous banking service having the internet communication function.

The security module 160 is the confidentiality (Authentication) or authentication (Integrity) or non-repudiation required in the process of the vehicle wireless terminal 100 performs the vehicle ubiquitous banking service with the Internet communication function As a safety device for performing a security requirement including nonrepudiation and the like in a secure and reliable structure within the vehicle wireless terminal 100 without using an authentication server (not shown) on a communication network, the vehicle wireless terminal ( 100 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (e.g., electronic payment or electronic payment function), and prevents forgery (or tampering) of the message. Adding an authenticator or storing important information in the process of performing the security request function .

Referring to FIG. 1, when the financial service program for the vehicle wireless terminal 100 is started, the vehicle wireless terminal 100 switches the communication channel switching unit 110a for a vehicle ubiquitous banking service having the Internet communication function. Security corresponding to the vehicle wireless terminal 100 information and the security module 160 provided in the vehicle wireless terminal 100 to the financial institution server 180 or the communication relay server 190 through the communication channel switched by The information module 110b for transmitting module 160 information, the security module 160 information and the vehicle wireless terminal 100 through the communication channel from the financial institution server 180 (or communication relay server 190). The vehicle wireless terminal 100 corresponding to the information is provided with an information receiving unit 110c for receiving the financial service use activation information.

Referring to FIG. 1, when the vehicle wireless terminal 100 financial service use activation information is received, the vehicle wireless terminal 100 receives the security module 160 through the vehicle wireless terminal 100 financial service use activation information. Security module processing unit 110d for activating the financial service use function provided in the vehicle wireless terminal 100 of the) and the financial company server 180 and encryption / decryption based on the non-face-to-face financial transaction control of the security module 160 A communication channel connection unit 110e for connecting the end-to-end secure communication channel of the interface, an interface output unit 110g for outputting the vehicle wireless terminal 100 authentication interface to the screen output means, and the vehicle wireless terminal 100 authentication interface Check the vehicle wireless terminal 100 information from the security module 160 based on the authentication information input through the, and transmits to the financial institution server 180 through the secure communication channel to the vehicle wireless terminal ( And an activation processing unit 110f for processing the operation of the financial service program for the vehicle wireless terminal 100 provided in 100.

Referring to FIG. 1, when the financial service program for the vehicle wireless terminal 100 provided in the vehicle wireless terminal 100 is activated through the security module 160, the vehicle wireless terminal 100 activates the security. An interface output unit 110g for outputting a financial transaction item selection interface and inquiry information input interface according to a non-face-to-face financial transaction procedure according to the non-face-to-face financial transaction control of the module 160, and the interface output unit 110g When the financial transaction item selection interface is output, the financial transaction item selection information is input through the key input unit 125, and when the inquiry information input interface is output, the account information and password to be queried through the key input unit 150 are displayed. An information input unit 110h for inputting and processing transaction information including one or more inquiry period information, the inputted account information and financial transaction item selection information, and Sending the generated transaction request message to the financial company server 180 through the full text generation unit 110i for generating a transaction request message containing one or more transaction information corresponding to the selected financial transaction item, and through the secure communication channel And a specialized processing unit 110j for processing the non-face-to-face financial transaction. The screen output unit is linked with the interface output unit 110g according to the non-face-to-face financial transaction control of the security module 160. At least one non-face-to-face financial transaction interface is controlled to be output to 120, and financial transaction item selection information and transaction information corresponding to the selected financial transaction item through the key input unit 125 in association with the information input unit 110h. Control to input one or more, the input account information, financial transaction item selection information and Control to generate a transaction request message including at least one transaction information corresponding to the financial transaction item, and in connection with the expert processing unit 110j through the end-to-end secure communication channel generated transaction request message is a financial company server ( It is provided with a financial service control unit 110l for transmitting to 180 to control the non-face-to-face financial transactions.

2 is a diagram illustrating a financial transaction system for providing a vehicle ubiquitous banking service having an internet communication function according to an embodiment of the present invention.

In more detail, FIG. 2 shows that the vehicle wireless terminal 100 shown in FIG. 1 provides the vehicle wireless terminal 100 information and the security module information to the financial company server 210 through a communication network. The vehicle wireless terminal 100 in connection with the storage medium 220 and the vehicle wireless terminal 100 corresponding to the security module information, the financial service use activation information is transmitted to the vehicle wireless terminal 100 by transmitting the vehicle wireless Activate the financial service using the function provided through the terminal 100, and receives and authenticates the vehicle wireless terminal 100 information from the vehicle wireless terminal 100, the financial terminal server 210 has activated the Internet communication-based financial terminal function After authenticating the financial service program for the vehicle wireless terminal 100 provided in the vehicle wireless terminal 100, the vehicle ubiquitous bank having an internet communication function in the authenticated vehicle wireless terminal 100 When transmitting a transaction request for providing a professional service, will in the financial company server 210 to the system configuration of a vehicle handle ubiquitous banking based financial transaction provided with the Internet communication.

Referring to FIG. 2 according to an embodiment of the present invention, a financial transaction system for providing a vehicle ubiquitous banking service having the internet communication function includes at least one vehicle wireless terminal 100 connected to an internet communication network, and the vehicle. A storage medium 230 for storing vehicle wireless terminal 100 information and security module information transmitted from the wireless terminal 100, and the vehicle wireless terminal 100 connected to the vehicle wireless terminal 100 through an internet communication network and transmitted through the communication network. Receives vehicle wireless terminal 100 information and security module information, and the vehicle wireless terminal 100 financial service usage activation information corresponding to the received vehicle wireless terminal 100 information and security module information. Relay server 200 and transmits to the vehicle wireless terminal 100 and the communication network or the relay server 200 and the vehicle wireless terminal 100 through the relay server Connected to, and receives and authenticates the vehicle wireless terminal 100 information from the vehicle wireless terminal 100 in which the Internet communication based financial terminal function is activated, thereby providing the Internet terminal based financial terminal function provided in the vehicle wireless terminal 100. After the authentication, if the authenticated vehicle wireless terminal 100 transmits the transaction request message for the financial transaction inquiry, the financial company server 210 to check the transaction history for the specified financial account and provides the financial transaction details; The financial company server 210 may be a financial transaction server for processing an internet communication based financial transaction or a server connected to a financial transaction server for processing an internet communication based financial transaction.

The relay server 200, the information receiving unit 200b for receiving the vehicle wireless terminal 100 information and security module information transmitted from the vehicle wireless terminal 100 in connection with the interface unit 200a, and the storage An information confirmation unit 200c for confirming the vehicle wireless terminal 100 financial service use activation information corresponding to the vehicle wireless terminal 100 information and the security module information in association with the medium 220, and the identified vehicle wireless terminal (100) an information transmitter 200d for transmitting the financial service use activation information to the vehicle wireless terminal 100 to process the Internet communication based financial terminal function of the vehicle wireless terminal 100 to be activated.

The information receiving unit 200b receives the vehicle wireless terminal 100 information and the security module information transmitted from the vehicle wireless terminal 100 in association with the interface unit 200a, and the interface unit 200a. When the vehicle wireless terminal 100 information can be confirmed through the information receiving unit 200b, the information receiving unit 200b receives the security module information transmitted from the vehicle wireless terminal 100 and associates with the interface unit 200a. Check the vehicle wireless terminal 100 information.

When the vehicle wireless terminal 100 information and the security module information are received by the information receiving unit 200b, the information checking unit 200c is connected to the storage medium 210 and the vehicle wireless terminal 100 information. Characterized in that the vehicle wireless terminal 100 corresponding to the security module information to check the financial service use activation information.

Subsequently, the information transmitter 200d transmits the identified vehicle wireless terminal 100 financial service use activation information to the vehicle wireless terminal 100 so that the internet communication based financial terminal function of the vehicle wireless terminal 100 is provided. Process to be activated.

Referring to FIG. 2, the financial company server 210 may include a communication channel operating unit 210a for connecting the vehicle wireless terminal 100 and an encryption-based secure communication channel, and the vehicle wireless terminal through the secure communication channel. Vehicle wireless terminal information receiving unit 210b for receiving vehicle wireless terminal 100 information from 100 and a terminal for reading the vehicle wireless terminal 100 information and authenticating the validity of the vehicle wireless terminal 100 information. The authentication unit 210c is provided.

The communication channel operation unit 210a connects the vehicle wireless terminal 100 shown in FIG. 1 to a secure communication channel based on encryption / decryption.

Thereafter, the vehicle wireless terminal information receiver 210b receives the vehicle wireless terminal 100 information from the vehicle wireless terminal 100 through the secure communication channel, and the terminal authentication unit 210c receives the information. The vehicle wireless terminal 100 reads and validates the information to process the vehicle wireless terminal 100 to be recognized as a financial terminal having an internet communication function.

Referring to FIG. 2, the financial institution server 210 may include a specialized receiver configured to receive a transaction request message including the inquiry target account information, a password, and an inquiry period information from the vehicle wireless terminal 100 through the secure communication channel ( 210d), a transaction inquiry processing unit 210e for processing a transaction inquiry corresponding to the received transaction request message in association with a financial system, and a transaction response message including the transaction inquiry processing result is generated to generate the vehicle wireless terminal ( And a specialized transmission unit 210f for transmitting to 100.

When the transaction request message is received through the specialized receiver 210d, the transaction inquiry processor 210e performs the requested ledger process in association with the financial system.

When the transaction history information is confirmed through the ledger processing by the transaction inquiry processing unit 210e, the specialized transmission unit 210f generates the transaction response message including the transaction history information corresponding to the result of the ledger processing and the vehicle. Transmission to the wireless terminal 100.

3 is a diagram illustrating an authentication process for providing a financial service through a vehicle wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 3 is connected to the financial company server 235 shown in FIG. 2 and the secure communication channel through the secure communication channel connection process of FIG. 3 in the vehicle wireless terminal 100 shown in FIG. By transmitting the vehicle wireless terminal 100 information to the financial company server 210, the financial company server 210 can use financial services through the financial service program for the vehicle wireless terminal 100 provided in the vehicle wireless terminal 100. It's about the process.

Referring to FIG. 3, the vehicle wireless terminal 100 outputs the vehicle wireless terminal 100 authentication interface to the screen output means according to a non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module. The controller 300 verifies whether authentication information (eg, PIN information for the security module) is input through the vehicle wireless terminal 100 authentication interface (300), and if authentication information is received through the vehicle wireless terminal 100 authentication interface. When input (305), the vehicle wireless terminal 100 is processed to provide and read the input authentication information to the security module according to the non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module. As a result, the vehicle wireless terminal 100 information is confirmed from the security module as an authentication result of the authentication information (310).

According to another embodiment of the present invention, the vehicle wireless terminal 100 outputs the vehicle wireless terminal 100 authentication interface, and the authentication information input through the vehicle wireless terminal 100 authentication interface to the security module. It may be omitted to provide a process to be authenticated, in this case to check the vehicle wireless terminal 100 information from the security module in accordance with the non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module. desirable.

If the vehicle wireless terminal 100 information is confirmed from the security module (315), the vehicle wireless terminal 100 according to the non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module The vehicle wireless terminal 100 information is transmitted to the financial institution server 210 through a secure communication channel (320).

Thereafter, the financial company server 210 receives the vehicle wireless terminal 100 information, reads and authenticates the received vehicle wireless terminal 100 information, and then the vehicle wireless terminal 100 of the vehicle wireless terminal 100. Validation is checked (325).

If the validity of the vehicle wireless terminal 100 of the vehicle wireless terminal 100 is not authenticated (330), the financial institution server 210 is connected to the vehicle wireless terminal 100 via the secure communication channel (100). ) Transmits the error information (335), and releases the secure communication channel between the vehicle wireless terminal 100 and the financial institution server (235) (340).

On the other hand, if the validity of the vehicle wireless terminal 100 of the vehicle wireless terminal 100 is authenticated (330), the financial institution server 235 is the vehicle wireless terminal 100 to the vehicle wireless terminal 100 through the secure communication channel Authentication information is transmitted (345), and correspondingly, the vehicle wireless terminal 100 is provided in the vehicle wireless terminal 100 according to the non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module. Conduct financial transactions through a financial services program.

4 is a diagram illustrating a process of processing a transaction inquiry through the vehicle wireless terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates that the financial service providing program is activated through the vehicle wireless terminal 100 shown in FIG. 1 through a process of recognizing the vehicle wireless terminal 100 shown in FIG. The terminal 100 illustrates a process of outputting a financial transaction item selection interface and an inquiry target selection interface according to the non-face-to-face financial transaction control of the security module.

Referring to FIG. 4, the financial service program for the vehicle wireless terminal 100 provided in the vehicle wireless terminal 100 shown in FIG. 1 is activated through the process of recognizing the vehicle wireless terminal 100 shown in FIG. 3. Afterwards, the vehicle wireless terminal 100 outputs a financial transaction item selection interface including a transaction inquiry menu according to a non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module. The item selection interface determines whether a trade inquiry menu is selected (400).

If one financial transaction item is selected through the financial transaction item selection interface (405), the vehicle wireless terminal 100 reads the selected financial transaction item and checks whether a transaction inquiry menu is selected (410).

If the transaction inquiry menu is not selected through the financial transaction item selection interface (415), the vehicle wireless terminal 100 corresponds to the vehicle wireless terminal 100 corresponding to the financial transaction item selected through the financial transaction item selection interface. Process the non-face-to-face financial transactions based (420).

On the other hand, if the transaction inquiry menu is selected through the financial transaction item selection interface (415), the vehicle wireless terminal 100 deals with a non-face-to-face financial transaction control corresponding to the function of the vehicle wireless terminal 100 of the security module. Outputs an inquiry target selection interface for selecting any inquiry target among the details inquiry or processing result inquiry, and checks whether one inquiry target of the transaction history inquiry or processing result inquiry is selected through the inquiry target selection interface ( 425).

If the transaction details inquiry is selected as an inquiry object through the inquiry object selection interface (430), the vehicle wireless terminal 100 outputs one or more interfaces for inputting transaction information for the transaction history inquiry, The process of inputting the transaction information for the transaction history inquiry through the output interface

5 is a diagram illustrating a process of providing a payment amount payment service through a vehicle wireless terminal according to an embodiment of the present invention.

More specifically, Figure 5, based on the vehicle wireless terminal 100 with the communication function shown in Figure 1 receives one or more payment amount information and payment amount receiving account information through a short-range communication terminal provided in the establishment And, based on the received payment amount information and payment amount receiving account information to generate a full debit authorization request request sent to the financial institution server 235 shown in Figure 1, the financial institution server 235 from the It is a process of receiving a debit authorization message corresponding to the debit authorization request text and outputting the debit processing result.

Referring to FIG. 5, the vehicle wireless terminal 100 illustrated in FIG. 1 receives payment amount information and payment amount receiving account information from a terminal provided in an office through a short range communication channel (500).

If payment amount information and payment amount receiving account information are received from the business terminal (505), the vehicle wireless terminal 100 performs a full debit processing approval request based on the received payment amount information and payment amount receiving account information. Create 710.

Here, the debit processing approval request message is a CD / ATM based transaction request specialty structure recognized by the financial institution server 210 as a transaction request message transmitted from a CD / ATM terminal, or includes a specially defined specialty structure. It is preferable.

In addition, before generating the full debit approval request request, the payment amount information received from the establishment terminal, and the validity check process for the payment amount receiving account information may be further included.

Subsequently, the vehicle wireless terminal 100 transmits the generated debit processing approval request message to the financial company server 210 shown in FIG. 1 (525), and correspondingly, the financial company server 210 transmits the vehicle wireless. After generating a debit processing approval message corresponding to the debit processing approval request message transmitted from the terminal 100 and transmitting the generated debit processing approval message to the vehicle wireless terminal 100 (530), the vehicle wireless terminal 100 receives the transmitted debit authorization message and outputs it on the screen of the vehicle wireless terminal 100 (535).

100: vehicle wireless terminal 110: control unit
120: screen output unit 125: key input unit
130: sound processing unit 135: memory unit
150: communication processing unit 160: security module
170: power supply unit 110a: communication channel switching unit
110b: information transmitter 110c: information receiver
110l: financial service control unit 110d: security module processing unit
110e: communication channel connection 110g: activation processing unit
110h: interface output unit 110i: professional generation unit
110j: professional processing unit 180: financial company server
190: communication relay server

Claims (4)

Means for including a wireless terminal capable of wireless communication, and driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal;
Means for receiving user information (account information) from the wireless terminal capable of wireless communication;
Means for receiving a user's financial transaction request based on the received user's information;
Means for processing a financial transaction procedure in response to the received financial transaction request of the user; And means for transmitting the information to the wireless terminal of the vehicle when the financial transaction procedure is completed. A wireless terminal capable of wireless communication, and driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal;
Receiving user information (account information) from the wireless terminal capable of wireless communication;
Receiving a financial transaction request of a user based on the received user information;
Processing a financial transaction procedure according to the received financial transaction request of the user; And transmitting the information to the wireless terminal of the vehicle when the financial transaction procedure is completed. An apparatus having a wireless terminal capable of wireless communication, and driving a financial service program to enable a non-face-to-face financial transaction using the wireless terminal,
A driving processor connected to a wireless terminal capable of wireless communication and a server of a financial company to drive a financial service program to enable a non-face-to-face financial transaction using the wireless terminal;
An interface output unit for receiving a user's information (account information) from the wireless terminal capable of wireless communication and outputting it on the screen of the wireless terminal to enable financial transactions when the service usage is activated by the driving processor;
A specialized processor for transmitting the user's information and security number to a financial institution server based on the interface output on the screen of the wireless terminal and outputting the result to the screen of the wireless terminal; And a financial control unit wirelessly connected with the wireless terminal to control the function of the wireless terminal. The system and method for a financial transaction using a wireless terminal of a vehicle according to claim 1, wherein the wireless terminal comprises a security module.

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