KR20140110801A - Apparatus for providing integrated financial service - Google Patents

Abstract

The present invention provides an apparatus for providing an integrated financial service, which includes: a user interface module to provide a user interface; a storage unit to store account information and cash card information of at least one account and at least one cash card; a communicating unit to provide a communications interface with a bank server; a near field communications unit to make near field communications with a cash deposit/withdrawal device; and a control unit to interwork with the bank server and the cash deposit/withdrawal device through the communicating unit and the near field communications unit according to a control command inputted through the user interface module to provide a financial service through at least one of the account information and the cash card information stored in the storage unit.

Description

[0001] APPARATUS FOR PROVIDING INTEGRATED FINANCIAL SERVICE [0002]

The present invention relates to an integrated financial service providing apparatus, and more particularly, to an integrated financial service providing apparatus that stores account information and cash card information necessary for use of a financial service in a smart terminal and provides various financial services using a bankbook and a cash card The present invention relates to an integrated financial service providing apparatus.

2. Description of the Related Art Generally, an integrated circuit (IC) chip having a microprocessor, a security module, and a memory (storage device) is mounted on a smart card to record various information or verify identification, electronic money, a credit card, It is widely used as a payment method.

In recent years, online banking such as Internet banking and mobile banking has been activated, and many people are conveniently engaged in financial transactions such as bank transfer, withdrawal and withdrawal without visiting the financial institution.

However, internet banking is performed by accessing each bank-specific website in an environment where the Internet is supported, mobile banking can not support all services of the bank, and inconvenience of downloading different application-specific programs for each bank There is. Therefore, most of the customers are still using bank-based financial transaction methods.

As a result, customers have inconveniences to manage and store each bankbook present in each bank or account. In addition, even in the case of a smart card, there is a problem that it is inconvenient to store and manage since the customer must carry it directly.

The background art of the present invention is disclosed in Korean Patent Publication No. 10-2008-0040109 (2008.05.08).

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a smart terminal or a bank server that stores account information and cash card information necessary for use of financial services, And to provide an integrated financial service providing device capable of providing various financial services to users.

Another object of the present invention is to provide an integrated financial service that prevents loss or theft that may occur when carrying a bankbook or a cash card, because it is not necessary to carry a conventional bankbook and a plastic card in the form of paper Device.

Another object of the present invention is to provide an integrated financial service capable of unified management of accounts such as ordinary deposits, periodic deposits, periodic gold, funds, insurance, and foreign currencies that can be opened in existing branches or Internet banking through a single mobile terminal Device.

It is still another object of the present invention to provide an integrated financial service providing apparatus capable of allowing a user to easily recognize whether or not omission of a corresponding expenditure, a change situation, etc., is made possible by classifying and viewing transaction details by category.

It is a further object of the present invention to provide a method and system for providing transaction history information by matching transaction details with texts, pictures, videos, voices, and location information to expose transaction details around categories, To provide an integrated financial service providing device capable of mutually sharing the information with each other.

An integrated financial service providing apparatus according to an aspect of the present invention includes a user interface module for providing a user interface; A storage unit for storing account information and cash card information for each of the at least one account and the cash card; A communication unit for providing a communication interface with a bank server; A short range wireless communication unit for performing short range wireless communication with the cash deposit / withdrawal apparatus; And at least one of the account information and the cash card information stored in the storage unit in association with the bank server and the cash dispenser through the communication unit and the short- range wireless communication unit according to a control command input through the user interface module And a control unit for providing financial services through the network.

In the present invention, the controller may call the smart banking application based on at least one of the account information stored in the storage unit.

In the present invention, the control unit transfers the account information stored in the storage unit to the cash deposit / withdrawal apparatus through the short-range wireless communication unit.

In the present invention, the control unit transfers the cash card information stored in the storage unit to the cash deposit / withdrawal apparatus through the short-range wireless communication unit.

In the present invention, the control unit is characterized in that the transaction details of the accounts are received and analyzed from the bank server through the communication unit, and the transaction details are automatically classified according to a predetermined category .

In the present invention, the category may include at least one of a transaction purpose, an amount, an income, and an expenditure.

In the present invention, the controller matches the transaction details classified according to the category with predetermined identification information, and exposes the transaction details through the user interface module.

In the present invention, the identification information may include at least one of a character, a photograph, a moving picture, a voice, and a position information.

In the present invention, the controller may transmit transaction details classified according to the category to the bank server for each category, and store the transaction details in the bank server.

In the present invention, the control unit may register transaction details related to the use of the financial service in the SNS server.

In the present invention, when the payment instruction for the online merchant is input, the control unit exposes the account information or the cash card information through the user interface module in the storage unit and inputs the payment information as payment information for the online merchant .

According to another aspect of the present invention, there is provided an integrated financial service providing apparatus including: a user interface module for providing a user interface; A storage unit for storing account identification information for identifying the account and account information for each of the cash cards, the account information being set in at least one account; A communication unit for providing a communication interface with a bank server; A short range wireless communication unit for performing short range wireless communication with the cash deposit / withdrawal apparatus; And at least one of the account information and the cash card information stored in the storage unit in association with the bank server and the cash dispenser through the communication unit and the short- range wireless communication unit according to a control command input through the user interface module And the bank server stores the account information matching the account identification information.

In the present invention, the control unit transmits the account identification information stored in the storage unit to the bank server through the communication unit to request the account information, and transmits the account identification information, which is matched with the account identification information, And provides the financial service by receiving the account information.

The present invention stores account information and cash card information necessary for use of a financial service in a smart terminal or a bank server and stores various financial services using a bankbook and a cash card, for example, deposit and withdrawal, transfer, transfer, So that they can be used collectively.

The present invention eliminates the need to directly hold a conventional bankbook and a plastic card in the form of paper, thereby preventing loss or theft that may occur when carrying a bankbook or a cash card.

The present invention allows the accounts of an ordinary deposit, a regular deposit, a regular gold, a fund, an insurance, and a foreign currency to be integrally managed through a single mobile terminal, which can be opened in existing branches or Internet banking.

The present invention makes it possible for a user to easily recognize whether or not the expenditure is missing and change status by making it possible to sort and view transaction details by category.

According to the present invention, the transaction details are matched with a text, a photograph, a moving picture, a voice, and a location information to expose transaction details about a category, and a user's financial history information is generated based on the transaction history, .

1 is a block diagram of an integrated financial service providing apparatus according to a first embodiment of the present invention.
2 is a block diagram of a mobile terminal according to a first embodiment of the present invention.
3 is a view showing an example of a main screen of a portable terminal according to the first embodiment of the present invention.
4 is a view showing an example of a total collection and expenditure list of the mobile terminal according to the first embodiment of the present invention.
FIG. 5 is a view showing an example of a category detailed screen according to the first embodiment of the present invention.
6 is a block diagram of an integrated financial service providing apparatus according to a second embodiment of the present invention.

Hereinafter, an integrated financial service providing apparatus according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. Further, terms to be described below are terms defined in consideration of the functions of the present invention, which may vary depending on the user, the intention or custom of the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

FIG. 1 is a block diagram of an integrated financial service providing apparatus according to a first embodiment of the present invention, and FIG. 2 is a block diagram of a portable terminal according to a first embodiment of the present invention.

1, a financial service providing apparatus according to a first embodiment of the present invention includes a mobile terminal 10, a bank server 20, a cash deposit / withdrawal apparatus 30, and a social network service (SNS) server 40 .

The bank server 20 is connected to the mobile terminal 10 and the cash deposit / withdrawal device 30 through a communication network or a bank joint network to provide various financial services to the user. These financial services may include deposits, withdrawals, transfers, transfers, withdrawals, funds, insurance, etc. In addition, various financial services using passbooks and cash cards may be included.

The SNS server 40 is connected to the mobile terminal 10 through a communication network and exposes various information transmitted from the mobile terminal 10 to a blog or a personal homepage.

Here, detailed description of the bank server 20 and the SNS server 40 will be omitted.

The cash deposit / withdrawal apparatus 30 is connected to the bank server 20 via an online or the like, and provides various financial services such as deposit / withdrawal, transfer, transfer, withdrawal, etc. to the user by using the account information and the cash card information do. The ATM 30 may include an ATM (Automatic Teller Machine), a CD (Cash Dispenser), and a POS (Point Of Sale).

In particular, in the course of providing the financial service, the cash deposit / withdrawal apparatus 30 requests account information and cash card information to the user in accordance with the financial service. In this case, the user stores the account information stored in the portable terminal 10 And transfers the cash card information to the cash deposit / withdrawal apparatus 30 through the short-range wireless communication system. At this time, the cash deposit / withdrawal apparatus 30 provides the financial service requested from the user using the account information or the cash card information transmitted through the portable terminal 10.

The mobile terminal 10 integrally provides the functions of a documented paper passbook that can be used for existing account inquiry, withdrawal, account transfer, insurance or fund transactions, and a cash card that can be used for on-line and off-line settlement. As the portable terminal 10, various portable terminals such as a smart phone, a laptop computer, a notebook, and the like can be employed.

2, the mobile terminal 10 includes a user interface module 11, a storage unit 12, a communication unit 13, a short-range wireless communication unit 14, and a control unit 15.

The user interface module 11 receives various control commands of the user and outputs video information or audio information according to a control command of the user. The user interface module 11 may employ various input / output devices of the touch screen type.

The storage unit 12 stores the account information of the various account accounts and the cash card information for the cash card. The account information may include information such as deposit classification, account holder, account number, customer number, establishment date, issue date, account management point, establishment point telephone number, passbook issuance point and the like. In addition, the cash card information may include financial institution information, personal credit information, transaction information, and financial information. In addition, the cash card information and the account information may be stored in a separate USIM chip or the like.

Here, the account may include all the accounts used for ordinary deposits, periodic deposits, regular gold, funds, insurance, foreign exchange, etc., which can be opened in existing branches or Internet banking.

In addition, the account information and the cash card information can be stored for each of a plurality of accounts, and a plurality of accounts can be stored for each account.

The communication unit 13 provides a communication interface with the bank server 20, the SNS server 40, and the like through a communication network. The communication unit 13 receives transaction details of each account and transaction details using a cash card from the bank server 20, and transmits and receives information necessary for providing financial services. The communication unit 13 also transmits various transaction history information to the SNS server 40 so that the SNS server 40 can register the transaction history information on a personal home page, a blog, or the like.

The communication network includes a second generation based on CDMA (Code Division Multiple Access), a third generation based on WCDMA (Wideband Code Division Multiple Access), a wireless environment supporting fourth generation or later generation based on LTE (Long Term Evolution) And wired environments supporting IP (Internet Protocol) -based communication technologies such as Wi-Fi, and short-range wireless communication environments such as Wi-Fi.

The short-range wireless communication unit 14 performs short-range wireless communication with the cash deposit / withdrawal apparatus 30. [ That is, at the time of transaction such as an account inquiry, a withdrawal, an account transfer, an insurance or a fund, a settlement on an off-line or a cash payment, the short-range wireless communication unit 14 transmits the account information and cash And transmits the card information to the cash deposit / withdrawal apparatus 30 in a short-range wireless communication system. In this case, the cash deposit / withdrawal apparatus 30 provides the corresponding financial service requested by the user using the account information or the cash card information transmitted through the short range wireless communication unit 14 of the portable terminal 10.

Near field communication (NFC) or the like may be employed as the short range wireless communication unit 14. The NFC is a radio frequency IDentification (RFID), a non-contact type short-range wireless communication module using a frequency band of 13.56 MHz, and transmits the cash dispenser 30 at a distance of about 10 cm.

The control unit 15 controls the mobile terminal 10 according to the first embodiment of the present invention in its entirety. The controller 15 provides a variety of financial services requiring account information and cash card information according to user's various control commands inputted from the user interface module 11. [

That is, when the account transfer command is inputted from the user interface module 11, the control unit 15 reads the corresponding account information from the storage unit 12 according to the received account transfer command, and calls the smart banking app installed . When receiving the account information from the smart banking application while executing the smart banking application, the control unit 15 delivers the corresponding account information to the smart banking application, so that the smart banking application provides the financial service using the account information . Here, the process of providing the financial service by the smart banking application can be easily carried out by those skilled in the art, and therefore, a detailed description thereof will be omitted here.

Here, if a plurality of account information is stored, the control unit 15 displays all the account information through the user interface module 11 so as to select one or more of the plurality of account information, , The selected account information is transferred to the smart banking app. In this case, the smart banking app carries out account transfer through an authorized certificate login process.

Also, when the user uses the account transfer using the cash deposit / withdrawal apparatus 30, at the step of inputting the existing documented passbook information into the cash deposit / withdrawal apparatus 30, the account information output command is inputted from the user interface module 11 The control unit 15 reads the account information from the storage unit 12 and transfers the account information to the cash deposit and withdrawal apparatus 30 through the short range wireless communication unit 14. [ The cash deposit / withdrawal apparatus 30 that has received the account information performs the corresponding account transfer command in association with the bank server 20 according to the existing method using the received account information. For example, the user tags the portable terminal 10 in the cash deposit / withdrawal apparatus 30 with the user selecting the account transfer to the cash deposit / withdrawal apparatus 30. [ At this time, the portable terminal 10 delivers the account information to the cash deposit / withdrawal apparatus 30, and the cash deposit / withdrawal apparatus 30 displays the account list to select the user. When one of the accounts is selected, the cash deposit / withdrawal apparatus 30 causes the user to input the transfer amount and the account password. When the transfer amount and the account password are inputted from the user, .

When the deposit / withdrawal instruction using the cash deposit / withdrawal apparatus 30 is input from the user interface module 11, the control unit 15 reads the cash card information from the storage unit 12 and transmits the cash card information to the short- 14 to the cash deposit / withdrawal apparatus 30.

In addition, when the ATM is a POS provided in an offline merchant, the controller 15 reads the cash card information from the storage unit 12 and transmits the cash card information to the local wireless communication unit 14 So that the portable terminal 10 can be used as a payment means at an offline merchant.

Further, when a payment instruction for an online merchant is input at the online merchant, the control unit 15 exposes the account information or the cash card information in the storage unit 12 through the user interface module 11, So that the mobile terminal 10 can be used as a payment means in place of the mobile cash card at the time of payment to the online merchant.

That is, in the process of requiring bankbook information and cash card information in a financial service using a bankbook and a cash card, the control unit 15 reads the account information and the cash card information stored in the storage unit 12, (30) so that the user can easily carry out a financial transaction without using the paper passbook and the cash card.

In addition, when the financial transaction is performed as described above, the control unit 15 receives the transaction details from the bank server 20 via the communication network, classifies the transaction details into predetermined categories, Through the user interface module 11.

These categories may include one or more of trading purpose, amount, income, and expenditure. For example, trading purposes may include electricity, water, internet, mobile phone, pocket money, and savings.

In addition, the category may be set arbitrarily by the user, that is, manually, but it may be set automatically. For example, the control unit 15 analyzes a transaction code or a brief portion according to a transaction history, and analyzes the transaction code or the brief portion according to a customer-understandable term such as electricity, water, internet, Can be expressed.

If the category is classified as described above, the controller 15 transmits the category information stored in each transaction history to the bank server 20 via the communication network, and can be used for inquiry and statistics by the inquiry condition.

On the other hand, the control unit 15 matches transaction details classified by each of the above categories with identification information. Such identification information may include at least one of a character, a photograph, a moving picture, a voice, and a positional information, and such character, photograph, moving picture, voice, and positional information may be arbitrarily set or automatically set by a user. For example, if the category is a mobile phone charge, a photo representing the mobile phone image may be matched to the category. Accordingly, the control unit 15 exposes the identification information matched with each category described above through the user interface module 11, and when any one of the identification information is selected from the user, the control unit 15 exposes transaction details matched with the corresponding identification information So that the user can easily recognize the transaction details for the category, for example, electricity, water, internet, cell phone, pocket money, savings, import, and expenditure.

For reference, the location information acquired through a GPS (Global Positioning System) installed in a smart terminal or the like can be used.

On the other hand, the control unit 15 transfers information such as the transaction details generated as described above to the SNS server 40 and registers the same so that it can be shared with other users through SNS, blog, or the like.

Hereinafter, an example of various screen information displayed through the user interface module 11 will be described with reference to FIG. 3 to FIG.

3 is a view showing an example of a main screen of the mobile terminal according to the first embodiment of the present invention, and FIG. 4 is a view showing an example of a total collection and expenditure list of the mobile terminal according to the first embodiment of the present invention FIG. 5 is a view showing an example of a category detailed screen according to the first embodiment of the present invention.

Referring to FIG. 3, the account is an ordinary deposit, and has a total assets of 50,000,000 won. In March 2014, the total income is 10 million Yuan and the total expenditure is 6 million Yuan. The expenditures include fixed costs, food expenses, , Transportation expenses, cultural life and health category. In this case, when any one of these categories is selected, detailed transaction details for the category are displayed.

On the other hand, in each category, the identification information, that is, the image is matched so that the user can easily recognize each category.

In this case, if any one of the categories is selected by the user, the mobile terminal 10 exposes detailed information on the transaction details of the category.

Referring to FIG. 4, a screen showing the total income and the total expenditure is shown, and a reminder about the import and the expenditure and an image attaching function are shown. This allows each user to have a history of the account history of the individual with the story.

Referring to FIG. 5, transaction details are shown for each category, and details of expenditure on the utility bills are shown in detail. These bills include water, gas, and electricity.

Hereinafter, an integrated financial service providing apparatus according to a second embodiment of the present invention will be described with reference to FIG.

In the first embodiment of the present invention, account information is stored in the portable terminal 10 as an example. However, the technical scope of the present invention is not limited thereto, and further includes storing the account information in the bank server 60. In this case, since the account information is not stored in the portable terminal, the security of the portable terminal 50 can be further improved against loss or hacking. This will be described with reference to FIG.

For reference, in the second embodiment of the present invention, the same components as those in the first embodiment are denoted by the same reference numerals and their detailed descriptions are omitted.

6 is a block diagram of an integrated financial service providing apparatus according to a second embodiment of the present invention.

The integrated financial service providing apparatus according to the second embodiment of the present invention stores the account information in the bank server 60 and stores the account information in the storage unit 52 of the portable terminal 50 in addition to the cash card information The account identification information is stored.

Accordingly, when a control command for providing financial services using the account information is input from the user interface module 51, the control unit 55 detects the account identification information in the storage unit 52 and transmits the detected account identification information to the communication unit 53 to the bank server 60 and requests account information matching the account identification information.

The bank server 60 detects the account information matched with the account identification information transmitted from the portable terminal 50 and transmits the detected account information to the portable terminal 50 via the communication network.

When the mobile terminal 50 receives the account information matching the account identification information from the bank server 60, the portable terminal 50 transmits the account information to the financial service 50 in the same manner as the first embodiment through the short- Lt; / RTI >

In this embodiment, the account information and the cash card information necessary for use of the financial service are stored in the smart terminal, and various financial services using the bankbook and the cash card such as deposit and withdrawal, account transfer, remittance, So that they can be used collectively.

The present embodiment eliminates the need to directly hold an existing bankbook and a plastic card in the form of paper, thereby preventing loss or theft that may occur when carrying a bankbook or a cash card.

In this embodiment, the accounts such as the ordinary deposit, the regular deposit, the regular gold, the fund, the insurance, and the foreign exchange which can be opened in the existing branch or the Internet banking can be integrated and managed through one mobile terminal.

The present embodiment makes it possible to classify and view the transaction history by category so that the user can easily recognize whether the expenditure is missing or changed, and the like.

The embodiment of the present invention exposes transaction details based on categories by matching transaction details with texts, photographs, moving pictures, voices, and location information, and generates financial history information of users based on the transaction details, To be shared.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, I will understand. Accordingly, the true scope of the present invention should be determined by the following claims.

10: portable terminal 11: user interface module
12: storage unit 13: communication unit
14: short-range wireless communication unit 15:
20: Bank server 40: SNS server
30: Cash deposit / withdrawal apparatus 50: Portable terminal
51: user interface module 52:
53: communication unit 54: short-
55:

Claims (13)

A user interface module for providing a user interface;
A storage unit for storing account information and cash card information for each of the at least one account and the cash card;
A communication unit for providing a communication interface with a bank server;
A short range wireless communication unit for performing short range wireless communication with the cash deposit / withdrawal apparatus; And
Wherein the cash card information and the cash card information stored in the storage unit in association with the bank server and the cash deposit / withdrawal apparatus are transmitted through the communication unit and the short-range wireless communication unit according to a control command input through the user interface module And a control unit for providing the financial service through the network.
The integrated financial service providing apparatus of claim 1, wherein the controller calls the smart banking application based on at least one of the account information stored in the storage unit.
The integrated financial service providing apparatus according to claim 1, wherein the control unit transfers the account information stored in the storage unit to the cash deposit / withdrawal apparatus through the short-range wireless communication unit.
The integrated financial service providing apparatus of claim 1, wherein the controller transmits the cash card information stored in the storage unit to the cash deposit / withdrawal apparatus through the short-range wireless communication unit.
2. The system of claim 1, wherein the controller receives and analyzes transaction details for each of the accounts from the bank server through the communication unit, and automatically classifies the transaction details according to a predetermined category To provide an integrated financial service.
6. The apparatus as claimed in claim 5, wherein the category includes at least one of transaction use, amount, income, and expenditure.
6. The apparatus as claimed in claim 5, wherein the controller matches transaction details classified according to the category with predetermined identification information and exposes the transaction information through the user interface module.
The apparatus of claim 7, wherein the identification information includes at least one of a character, a photograph, a moving picture, a voice, and a location information.
6. The apparatus as claimed in claim 5, wherein the controller transmits the transaction details classified according to the category to the bank server for each category, and stores the transaction details in the bank server.
The integrated financial service providing apparatus according to claim 1, wherein the controller registers the transaction details of the use of the financial service in the SNS server.
The method according to claim 1, wherein, when the payment instruction for the online merchant is input, the control unit exposes the account information or the cash card information through the user interface module in the storage unit and inputs the payment information to the online merchant Wherein the integrated financial service providing apparatus comprises:
A user interface module for providing a user interface;
A storage unit for storing account identification information for identifying the account and account information for each of the cash cards, the account information being set in at least one account;
A communication unit for providing a communication interface with a bank server;
A short range wireless communication unit for performing short range wireless communication with the cash deposit / withdrawal apparatus; And
Wherein the cash card information and the cash card information stored in the storage unit in association with the bank server and the cash deposit / withdrawal apparatus are transmitted through the communication unit and the short-range wireless communication unit according to a control command input through the user interface module And a control unit for providing financial services through the network,
Wherein the bank server stores the account information matching the account identification information.
The information processing apparatus according to claim 1, wherein the controller transmits the account identification information stored in the storage unit to the bank server through the communication unit to request the account information, and matches the account identification information through the communication unit And provides the financial service by receiving the account information.

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