KR20140135521A - Method and System for Card Settlement and on-line payment services using portable multi-functional terminal - Google Patents

Abstract

The present invention relates to a method and a system for card settlement and on-line payment services using a portable multi-functional terminal. More particularly, the present invention relates to a system for card settlement and on-line payment services using a portable multi-functional terminal to easily input personal information, and to a method thereof. The system for card settlement and on-line payment services using a portable multi-functional terminal (100) according to an embodiment of the present invention includes: a card recognition module (40) installed for recognizing a card which stores personal information of a user; and a wireless transmission module (50) prepared for transmitting the information of a portable terminal (30) and the personal information recognized by using the card recognition module (40).

Description

TECHNICAL FIELD [0001] The present invention relates to a card settlement and bank trust business system and method using a portable complex terminal,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card settlement and bank trust service system and method using an international standardized signal through an audio jack into electrical data. And more particularly to a card settlement and bank trust service system and method using a portable integrated terminal in which a card recognition module is mounted on a portable terminal by recognizing a card and a barcode and having a function of a card settlement and a bank trust service will be.

In particular, the present invention relates to a card settlement and bank trust service system and method using a portable complex terminal designed to increase the efficiency of a portable terminal by a card recognition module.

In general, the present invention relates to a card settlement and bank trust service system and method using a portable complex terminal, and more particularly, to a card settlement and a bank trust service system using a portable complex terminal, The present invention relates to a card settlement and bank trust service system and method using a portable terminal.

The portable terminal can easily communicate with the user regardless of wherever the user is going. In recent years, the use of the portable terminal has made it possible to communicate between the sender and the receiver.

The use field of the portable terminal will be described in more detail. It is known that the love information, the traffic information, the news, etc. are transmitted to the wireless terminal through the character information service, which provides additional information, Text communication technology.

As another field of use of the portable terminal, in the conventional account transfer method, it is possible to automatically transfer money using a communication medium (telephone, PC, etc.) without visiting the bank directly. However, for example, a method of transferring money by telephone is connected to the account transfer server using a pre-designated telephone number. When a call connection is made, the bank should notify the bank of the transaction by inputting the bank account number or resident registration number of the bank as well as the amount to be transferred according to the voice guidance of the bank. Also, the bank account number of the bank account must be entered to confirm that it is a legitimate trader, and the bank account number of the transfer recipient must be entered.

However, in the above conventional bank transfer method, if there are a large number of transaction banks of the user, it is very troublesome to memorize or memorize all the access numbers (telephone numbers, etc.) of a plurality of banks for such account transfer service. In addition, even after accessing the corresponding bank using the access number memorized or memorized in this way, the data for the account transfer such as the bank account number or the resident registration number of the user, the password of the bank account, and the recipient bank account number of the transfer amount And then input one by one. This also made the users very troublesome. In addition, as described above, the user has input information for transferring money, as described above. If one of the numbers is entered incorrectly in this input process, it is necessary to input it again and re-check the input data, which takes a long time. In addition, a transfer error due to the erroneous input of the transfer information may occur due to the input of the long data, and an unnecessary time for correction thereof may be unnecessarily wasted.

Another use field of the portable terminal is that the portable terminal is connected to the wireless Internet network and can be used as an electronic means for conducting electronic transactions anytime and anywhere. As a service provided through such a process, it may be possible to perform operations such as providing stock price information, stock trading, purchase of goods, and transfer of deposits.

However, in order for a portable terminal to be connected to a wireless Internet network and conduct electronic commerce, a problem concerning the authenticity of an individual should be proved. In addition, the problem of such authentication is becoming an important issue in the field of electronic commerce using wireless Internet.

As described above, in order to enable e-commerce on the Internet using a wireless terminal, a conventional method will be described as an example of an article purchase procedure.

First, a wireless terminal is used to connect to a wireless Internet network to connect to a shopping site to select an item to be purchased, to find out the telephone number of the merchandise store that sells the item, and to connect to the telephone number again. There was a way to determine the purchase of the product. This method was inconvenient to contact the merchandise store again after the process of selecting the merchandise, and when the telephone connection to the merchandise store was not smooth, the purchasing of the merchandise was often disrupted.

In addition, conventionally, another shopping method on the Internet using a portable terminal connects to a shopping site on the Internet through a portable terminal, selects a desired article, and then directly transmits its credit information to the encrypted electronic payment system provided at the site There is an inconvenience to input.

On the other hand, there has been provided a method of purchasing an article by storing individual credit information in a SIM card provided in a conventional GSM terminal so that personal credit information is authenticated before purchasing the article, There has been an inconvenience in carrying SIM cards.

KR 10-1999-0053783

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a wireless terminal capable of recognizing credit information on the Internet so that a user of the wireless terminal can easily perform electronic commerce on the Internet And a method of operating the terminal have been provided, and this method also has inconvenience that the user must carry the SIM card.

 It is an object of the present invention to provide a reader which forms a leading groove for credit card recognition in a mobile terminal with a recognition function of such credit card, MS magnetic, IC card, QR code, bar code and RF tag.

The present invention is also directed to providing a reader for protecting a reading terminal for credit card recognition in a mobile terminal with a recognition function of such credit card, MS magnetic, IC card, QR code, bar code and RF tag .

The present invention provides a reader further comprising a cover for protecting a leading groove in forming a reading groove for recognizing a credit card in a reader of a recognition function of a credit card, an MS magnetic, an IC card, a QR code, a bar code and an RF tag It has its purpose.

It is an object of the present invention to provide a reader which is constituted by an opening / closing method in which such covers and covers are rotatable through a hinge or by insertion protection means covering the leading groove.

It is an object of the present invention to provide a reader in which the leading groove is formed in the longitudinal direction of the reader so that the card is penetrated.

 An object of the present invention is to provide a method of transferring money using a portable terminal which allows a user to transfer money by simplifying an input procedure using his / her portable terminal.

And a wireless transmission module for transmitting the recognized personal information and the information of the portable terminal by using the card recognition module and forming a card recognition module installed to recognize the card containing the personal information of the user . ≪ / RTI >

In addition, the wireless transmission module may include a web browser for connecting to the wireless Internet network.

The card recognition module includes a data input unit for reading personal information of a card on which personal information is stored, data for converting the personal information input through the data input unit into electrical data so as to be transmitted through the wireless Internet network, And a transmitter for transmitting the personal information processed as the electrical data to the wireless transmission module through the data processing unit and the data input unit includes a reader having a reading groove for reading the personal information of the card, . ≪ / RTI >

The card recognition module and the wireless transmission module may be integrally formed.

The data input unit may include a reading module that provides the portable terminal with information read from at least one of the recognition methods provided to the portable terminal and includes a touch pad provided to the portable terminal to receive a sign from the user, The mobile terminal recognizes and reads at least one of a credit card, an MS magnetic, an IC card, a QR code, a bar code, and an RF tag. The portable terminal may be a mobile phone, a smart phone, a laptop computer, (MPEG Audio Layer-3), MP4 (MPEG Audio Layer-4), a tablet computer, an electronic dictionary, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP can do.

The reader may be characterized in that the reader has an earphone pin having one end inserted into the earphone connection adapter of the portable terminal in a predetermined shape and the other end having a leading groove in which the card can be read.

In addition, the reading groove may further include a cover for protecting the outside of the leading groove, the groove being formed in the body of the reader, the card being recognized by passing through the groove.

In addition, a method of using a portable terminal for a portable terminal includes: a first step of accessing a site through a wireless Internet network as a portable terminal; a second step of searching for and selecting goods and information; A fourth step of determining whether to purchase the selected product in real time or a direct call with an operator of the site, and a fourth step of transmitting the selected product to the portable terminal A fifth step of requesting the user to input personal information in order to secure the authenticity of the individual using the URL address character, a sixth step of recognizing the personal information from the card containing the personal information in accordance with the request of the fifth step, The personal information input in the step 6 and the information of the portable terminal are transmitted and the transaction is completed. It may be characterized in that binary.

In addition, the portable multifunctional terminal may be registered as a multiple business entity by inputting and storing a plurality of merchant information.

In addition, a step 6a of receiving a request for personal information transmission from a site for securing the authenticity of an individual, a step 6b of inputting an authentication value for authenticating the use of the portable multifunctional terminal to the portable terminal, A data input unit of the card recognition module is driven to read the personal information of the card, and the personal information read from the data input unit is read from the data processing unit of the card recognition module The personal information converted into the electrical data is transmitted to the site through the transmission unit of the card recognition module and the web browser, step 6f, and step 6g, If the information is transmitted safely, proceed to the next step, and if the transmission is out of order, Reading information that may be characterized as consisting of the fifth step is fed back to the first step 5e.

The method includes a first step of transferring money account transfer request data including a sender and an identification code of a receiver to the account transfer server through the portable terminal, A second step of requesting transfer of the requested amount of money from the bank account specified based on the sender identification code to the financial settlement server; a second step of transferring the requested amount of money to the bank account specified based on the recipient's identification code A third step of transferring money to the account transfer server, and a fourth step of transmitting data on success or failure of transfer including identification data of the transfer transaction to the account transfer server upon completion of transfer of money, And a fifth step of transmitting the account transfer result data to the communication terminal of the recipient specified based on the recipient identification code That may be characterized.

The data transmission in the first and fifth steps may be performed through a mobile communication network of a code division multiple access (CDMA) scheme.

In addition, the sender identification code may include a telephone number of the mobile communication terminal that is automatically transmitted according to call connection through the mobile communication network.

In addition, the fourth step may further include notifying, to the portable terminal requesting the account transfer through the mobile communication network, the result of the account transfer according to the reception of the data on the success or failure of the transfer.

In addition, the account transfer result data may include information on the name and transfer amount of the sender.

As described above, according to the present invention, personal information that has conventionally been input through a plurality of steps can be input more easily, so that the user can more conveniently access the wireless Internet network through the wireless terminal and perform electronic commerce .

In addition, according to another aspect of the present invention, an electronic commerce can be more smoothly used by a wireless terminal user, thereby further promoting the information communication industry.

In addition, it is possible to increase the efficiency of the portable terminal by installing the portable complex terminal by using the card settlement and bank trust business system and method using the portable complex terminal, and to improve the efficiency of the credit terminal, MS magnetic, IC card, QR code, It is possible to easily view the card settlement and the bank trust business using the portable integrated terminal equipped with the card recognition module in the portable terminal, which recognizes the RF tag and has functions of the card settlement and the bank trust business.

1 is a perspective view of a portable terminal according to the present invention.
2 is a perspective view of a mobile terminal according to an embodiment of the present invention.
3 is a schematic functional block diagram of a portable hybrid terminal according to the present invention.
FIG. 4 is a flowchart illustrating an operation method of a portable hybrid terminal capable of recognizing a card according to the present invention.
FIG. 5 is a flowchart illustrating the card recognition step of FIG. 4 in more detail.
FIG. 6 illustrates a network configuration of a bank trust service system and method using the portable terminal 100 according to the present invention.
FIG. 7 shows the detailed configuration of the account transfer server 300 among the entire network configuration of FIG.
FIG. 8 shows a flow of a preferred embodiment of a money transfer method using the portable hybrid terminal according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The same reference numerals are used for portions having similar functions and functions throughout the drawings. Throughout the specification, when a part is connected to another part, it includes not only a case where it is directly connected but also a case where the other part is indirectly connected with another part in between. In addition, the inclusion of an element does not exclude other elements, but may include other elements, unless specifically stated otherwise.

Hereinafter, the portable terminal 100 of the present invention will be described in detail.

The portable terminal 30 described in this specification includes a mobile phone, a smart phone, a laptop computer, MP3 (MPEG Audio Layer-3), MP4 (MPEG Audio Layer-4) , A digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player), navigation, and the like.

However, it will be apparent to those skilled in the art that the configuration according to the embodiments described herein may be applied to fixed terminals such as a digital TV, a desktop computer, and the like, unless the configuration is applicable only to portable terminals.

Hereinafter, the configuration and functions of the portable wireless terminal 100 according to an embodiment of the present invention will be described.

<Configuration and Function>

1 is a perspective view of a portable terminal 100 according to an embodiment of the present invention.

Hereinafter, each of the components included in FIG. 1 will be described in order.

The portable hybrid terminal 100 may include a reader 20, a lead groove 21, and an earphone pin 22.

The reader 20 is formed into a body having a predetermined shape and has a lead groove 21 on one side and an earphone pin 22 on the other side.

The leading groove 21 is located at one end of the reader 20, so that the card is recognized when passing through the card.

The earphone pin 22 is located at the other end of the reader 20 and inserted into the earphone connection adapter of the portable terminal 30. [

FIG. 2 is a perspective view of a portable terminal 30 according to an embodiment of the present invention. Referring to FIG.

The portable hybrid terminal 100 can be mounted or separated by the earphone pin 22 to the portable hybrid terminal 100 according to the usage state.

The mobile terminal 30 can be automatically transferred to a credit card payment and a check card.

3 is a functional block diagram of a portable hybrid terminal 100 according to the present invention.

Referring to FIG. 3, the portable terminal 100 according to the present invention includes a card recognition module 40 for recognizing a card, and credit information of a recognized individual is provided to the portable integrated terminal 100 A wireless transmission module 50 is provided so as to be transmitted over the Internet.

More specifically, the card recognition module 40 includes a data input unit 41 for reading personal information through a card including personal information such as a credit card, A data processing unit 42 for processing the format of the inputted personal information into electrical data to be transmitted through the wireless Internet network and a transmitting unit 43 for transmitting the data processing unit 42 information to the wireless transmission module 50 ).

The wireless transmission module 50 also includes a web browser 51 provided to transmit the personal information input through the transmission unit 43 to the wireless Internet. Due to the use of the web browser 51, The hybrid terminal 100 can be connected to the wireless Internet and perform electronic commerce. The card recognition module 40 and the wireless transmission module 50 are integrally provided in one portable terminal 100. The portable terminal 100 is provided with the card recognition module 40 and the wireless transmission module 50 so that the user of the portable terminal 100 can easily do.

On the other hand, the wireless transmission module 50 is configured to operate only when there is a command to input personal information from the web browser 51, so that unnecessary power energy can be prevented from being wasted.

However, the configuration of the present invention as described above does not exclude the configuration used in the general portable terminal 100, but includes the configuration of the general portable terminal 100, And the known technology relating to the portable terminal 100 is excluded from the description of the present invention.

As described above, the portable wireless terminal 100 according to the present invention uses a communication method and a handheld device markup language (HDML) to reduce the processing burden of the portable wireless terminal 100 WAP (Wireless Application Protocol).

An operation method of the portable wireless terminal 100 capable of recognizing the credit card, the MS magnet, the IC card, the QR code, the bar code and the RF tag according to the present invention having the above configuration will be described in detail.

4 is a view for explaining a method of operating the portable hybrid terminal 100 capable of recognizing a credit card, an MS magnetic, an IC card, a QR code, a bar code, and an RF tag according to the present invention.

4, when the user wants to use the portable hybrid terminal 100 to make a call, the portable multifunctional terminal 100 enters a number of the recipient to make a call, The user accesses the wireless Internet network (ST110). After the connection to the wireless Internet network, the web browser 51 is used to access the desired site (ST120).

In this manner, the user of the portable wireless terminal 100 accesses desired sites to receive desired articles or information, and then the user searches for desired information (ST130).

After the user decides the product or information through the above steps, the user contacts the seller who directly sells the commodity to decide whether to purchase the commodity after checking the detailed information , It is determined whether to purchase the product in real time by transmitting the personal information of the user while being connected to the site (ST140).

In addition, if it is determined in step ST140 that a method of purchasing a product is to be purchased after talking with the operator of the site in the future, the user makes a phone call to the site operator to make a call, Or information, and then verbally informs his / her personal information so that the user can purchase the article (ST150).

However, if it is determined in step ST140 that the method of purchasing a product is to purchase goods or information in real time, a URL address message transmitted from the site to the portable terminal is used. In order to secure the authenticity of the purchaser, (ST160), and the purchaser makes his / her personal information to be recognized through the card recognition module 40 and the wireless transmission module 50 so that the personal information contained in the purchaser's personal card is recognized, (ST170).

After the purchaser's personal information is recognized through the card recognition step (ST170), the personal information recognized on the card is delivered to the site, and the transaction is performed immediately after the authentication operation through the personal information. The complex terminal inputs and stores a plurality of merchant information and registers it as a multiple provider (ST180).

However, the steps of delivery and settlement of goods which can be continued after this step are beyond the scope of the present invention, and the description thereof will be omitted.

Meanwhile, the step of recognizing the card (ST170) will be further subdivided to be understood in conjunction with the portable terminal 100 according to the present invention.

5 is a diagram for explaining the card recognition step ST170 of FIG. 4 in more detail.

5, the request is transmitted to the web browser 51 provided in the wireless transmission module 50 (ST171), and the request is transmitted to the portable terminal 3 The portable integrated terminal authentication ST113 and the web browser 51 transmit the request to the card recognition module 40 in ST171.

When the card recognition module 40 receives a request for personal information input from the web browser 51 (ST174), the data input unit 41 that has been waiting to operate until now does not start the operation (ST175) When driving of the personal computer 41 starts, the user inserts a card such as a credit card on which his / her personal information is recorded into the data input unit 41 so that his personal information is read (ST176).

The information as the data input unit 41 is converted into electrical data that can be transmitted also to the wireless Internet network in the data processing unit 42 (ST177), and the personal information converted into the electrical data is transmitted to the web browser 51 through the transmission unit 43. [ And finally transmitted to the site on the web (ST178).

However, there is no problem if transmission of personal information is performed safely. However, if an accident occurs during transmission due to anxiety of the wireless Internet network, re-transmission may be required. Therefore, If the transmission is completed safely, the transaction is completed (Fig. 4). If an accident occurs in the transmission, the process returns to step ST176 in which the card is recognized by feedback.

The reason why the feedback is provided until the step of recognizing the card (ST176) in the process of re-transmission in the process of re-transmission is to prevent the read personal information from being stored in the card recognition module 40, Even if there is a slight inconvenience, if the transmission of the personal information is not performed within a predetermined time, the personal information is recognized again in order from the step of recognizing the card (ST176).

However, the configuration of the embodiment of the present invention may be slightly changed, and for the sake of convenience of the user, personal information once stored may be stored in a predetermined memory unit and repeatedly transmitted. In addition, The related information of the portable terminal 30 may be transmitted.

As described above, the method of operating the portable terminal 100 capable of recognizing the card according to the present invention is a method in which a step of inputting personal information through a complicated process is replaced with a series of steps in which the card is recognized and transmitted So that the user can conveniently perform electronic commerce using the portable wireless terminal 100 and the wireless Internet network.

FIG. 6 illustrates the entire network configuration of the bank trust service system and method using the portable terminal 100 according to the present invention. The portable terminal 30, the CDMA mobile communication network 200, the account A bank settlement server 500 connected to the bank transfer network 300, a bank joint network 400 and a bank joint network 400, the main computers 501 and 502 of the respective banks, and the CDMA mobile communication network 200, (Or connected to the public telephone network (PSTN) 600 via a wire), and a merchant 700 registered for use of the account transfer service.

FIG. 7 shows the detailed configuration of the account transfer server 300 among the entire network configuration of FIG. 6, which is connected to the CDMA mobile communication network 200 to transmit and receive connection signaling and signals, A network connection unit 310 for performing data communication with the server 500 through the bank common network 400; A DTMF conversion / detection unit 320 for converting a telephone number into a DTMF tone and detecting a DTMF tone to be received; An audio data processing unit 340 for digitizing a voice received through the network connection unit and extracting a voice feature such as a voice pattern; An audio storage disc 350 in which a voice guidance message (or text guide data) is stored in the form of data; A hard disk (HDD) 360 in which management information such as address, telephone number, account number and the like of each individual user, a telephone number of the registered merchant, and account number are stored; A clock unit 370 for keeping track of the current date and time; A voice decompressor (380) for restoring compressed voice data stored in the voice storage disk (350) and converting the voice data into a voice message; A memory 332 for temporary storage of data; And a central processing unit 330 for performing operations such as search and data storage of the hard disk 360 and data transfer and interpretation of received data by performing a program on the ROM 331 and the hard disk 360 Consists of.

FIG. 8 is a flowchart of a preferred embodiment of a bank trust service system and method using the portable terminal 100 according to the present invention. Hereinafter, the network configuration of FIG. 6 and the detailed configuration of the account transfer server of FIG. The bank transfer method of FIG. 8 according to the present invention will be described in detail.

First, for the account transfer using the portable terminal according to the present invention, the user and the merchant first make an application to join the mobile communication service provider operating the account transfer server 300. At this time, at the user and the merchant, The account transfer server 300 provides personal information (name, terminal telephone number, transaction bank account number, password of the account number if necessary) to the account transfer server 300. Accordingly, in the account transfer server 300, The management information of the user and the merchant is converted into a database and managed.

First, in order to explain the bank trust service system and method using the portable terminal 100 according to the present invention, it is assumed that the account transfer method is applied to the sale of goods. That is, assuming that the user is an article purchaser and the merchant is a seller of goods, the article purchaser who intends to purchase the article under such a hypothesis can visit the article seller 700 directly to select the article to be purchased, When a desired article is selected, the seller of the article 700 requests payment of the commodity price for the article selected by the purchaser (step &lt; RTI ID = 0.0 &gt; At this time, the purchaser uses the portable terminal 30 to pay the commodity price.

For this purpose, the buyer inputs a special telephone number, for example, '* 1001', designated in the money transfer server 300 using a dial button provided in the portable terminal 30, and makes a call request.

At this time, since the portable terminal 30 stores the telephone number of the portable terminal of the purchaser of the article, and the electronic serial number (ESN) of the portable terminal, the telephone number of the input destination is stored in the nearby base station The portable telephone number of the user stored in the portable terminal 30 and the unique identification code of the portable terminal are also transmitted together.

The base station that has received the call connection request data from the portable terminal 30 transmits the call destination connection request destination data to the connected exchange and the exchange control center (not shown) connected to the exchange receives the call connection request data from the portable terminal The telephone number and unique identification code of the user and if the user is a legitimate user, the call is requested using the access number (telephone number) of the corresponding destination, which is received when the call is requested, (S10).

The central processing unit 330 in the payment server 300 recognizes this fact through the network connection unit 310 and directly receives the connection request from the network connection unit 310 And the telephone number of the call-connected portable terminal 30 is confirmed from the call incoming signal in digital form.

The central processing unit 330 searches the hard disk 360 in which the goods purchaser, i.e., the management information of the user, is stored, as shown in FIG. 4, to check whether the confirmed telephone number exists. If the telephone number exists , The user is confirmed to be a pre-registered subscriber.

When the user is identified as a pre-registered subscriber, the central processing unit 330 reads the compressed voice data corresponding to the entire service selection guidance message stored in the voice storage disk 350, The voice data to be read out is restored by the voice restoration unit 380 and converted into a voice message and then outputted to the portable terminal 30 connected to the call through the network connection unit 310 so that the user can receive the voice data from the account transfer server 300 And the account transfer server 300 becomes a service waiting state waiting for a response from the user.

The above-mentioned whole service selection guidance message may be the following voice guidance.

"Please press the number of the desired service among the following services.

No.1: Wire Transfer

Number 2: Account Balance Display

Number 3: Transfer history inquiry

No. 4: Lost signal of terminal

...................... "

The user selects and designates a specific item to be searched for among all the service items (S11). The designation of a specific item is also designated through a dial button on the portable terminal 30 according to the user's selection, .

The entire service selection guidance message may be provided in the form of a short message based on a short message service (SMS) protocol, which is one of the mobile communication services instead of a voice message. For this purpose, The central processing unit 330 reads the character data for the corresponding selection guidance stored in the hard disk 360 and the read character data is stored in the memory 332 SMS format and may be transmitted to the portable terminal 30 of the buyer by being loaded on an access / paging channel of the CDMA mobile communication system through the network connection unit 310. [

When the user selects and designates the service item "account transfer" one time among all the service items through the training input to the portable terminal 30 (S20), the data input unit 41 that has been waiting to operate until now (S21). When the drive of the data input unit 41 is started, the user inserts a card such as a credit card in which his / her personal information is recorded into the data input unit 41 so that his personal information is read (S22).

The information as the data input unit 41 is converted into electrical data that can be transmitted to the wireless Internet network in the data processing unit 42 at step S23 and the personal information converted into electrical data is transmitted to the web browser 51 through the transmission unit 43. [ And finally transmitted to the site on the web (S24).

Subsequently, the central processing unit 330 transmits the voice data or the input data corresponding to the input data, which is reconfigured together with the character so as to easily identify the input voice data, through the network connection unit 310 (Or visually) by voice messages, for example, "Your account number 386-02-0235XX, the transfer amount &lt; RTI ID = 0.0 &gt; If the user inputs an error in the input data by making a voice guidance such as &quot; 20,000 won, the transfer amount account recipient account number 027-0875XX-12-503, if so, please input your transfer authorization password and press &quot; And return to the corresponding procedure to re-enter the data.

If the user who agrees with the guidance information, i.e., approves the account transfer, the user who has received the voice guidance message inputs the transfer approval password designated at the time of registration through the dial button on the portable terminal 30 (S25).

The central processing unit 330 compares the transfer permission password entered directly by the user with the transfer permission password of the user to the hard disk 360 (S26). If the two passwords are not identical (S30) The device 330 judges that the user is not a legitimate user of the account transfer service and re-outputs a voice message to the call connection terminal 30 through the network connection unit 310 to re-input the transfer permission password, To recognize that the password has been mistakenly input and to re-enter the password.

If both passwords become equal to each other (S30), the central processing unit 330 determines that the user is a legitimate user of the account transfer service and that the account transfer has been fully approved.

When the password for the designated account is not registered in advance at the time of subscription, the above-mentioned password inputting may be performed when the transfer request is made as described above, by simply performing one input step of the service use password and the transfer acceptance password, You may be asked to enter a password for your account, and you can use this password alone to verify that you are a legitimate transfer requestor.

In the above embodiment, in addition to inputting the above-mentioned dial button, the input of the necessary data for account transfer is a comparison through the input of the number of the user and the extraction of the pattern thereof, as in the selection of the 'account transfer' .

The central processing unit 330 confirms the transaction bank of the user from the transaction bank account number of the identified user, and requests the account transfer to the confirmed transaction bank from the transaction bank (S31). To this end, The account number of the corresponding user for the account transfer, the password of the corresponding account that is stored (or input) in association with the account number of the user, the transfer amount (commodity price) To the financial settlement server 500, the data for the account transfer such as the account number of the user.

Accordingly, the financial settlement server 500, which has requested the account transfer, confirms the user's transaction bank from the user account number provided from the account transfer server 300, The account transfer number, the password of the account, the transfer amount, and the account number of the article selling place 700 received from the account transfer server 300, thereby requesting the account transfer.

Therefore, the host computer 501 of the bank compares the previously registered password associated with the received user account number and the password of the received user account, and if the two passwords are the same, It is confirmed whether or not it exists.

If there is a balance greater than the transfer amount in the user's account, the host computer 501 of the bank withdraws the requested amount of money from the account, transmits the details to the financial settlement server 500, and the financial settlement server 500 The account number of the goods selling place 700 and the user account number are requested to be deposited in the bank master computer 502 of the merchandise seller 700 together with the deposit amount so as to deposit the amount according to the withdrawal history.

When the account transfer is completed in accordance with this procedure, the financial settlement server 500 acquires the identification data of the transfer transaction from the data such as the account number of the user (sender), the transfer amount, and the account number of the receiver of the transfer amount And transmits it to the account transfer server 300.

When the account transfer server 300 confirms that the account transfer has been successfully completed from the identification data of the received transfer transaction (S40), the central processing unit 330 in the account transfer server 300 transfers the identification information The transfer details are stored in the hard disk 360 for the sender and the receiver, respectively.

Subsequently, the central processing unit 330 transmits the name (or the portable terminal number) of the user (or the portable terminal) in the management information of the hard disk 360 to the seller of the goods 700, The account transfer notification data is constructed in the memory 332 from the data of the amount of money, the amount of money, the date of the transaction, etc., and the access number, that is, the telephone number of the relevant article selling place 700 is identified and the DTMF conversion / DTMF signal and transmits the converted DTMF signal to the external CDMA mobile communication network 200 or the public switched telephone network 600 via the network connection unit 310 to make a call connection with the communication terminal provided in the article selling place 700.

In this case, the terminal of the merchandise vendor 700 may be a CDMA portable terminal that registers a number for account transfer or a separate wired telephone (or a dedicated payment terminal connected by wire). In the case of a wired terminal, a PSTN 400 When the call connection is established with the terminal of the merchandise vendor 700, the central processing unit 330 transmits the account transfer notification data configured as described above to the call connection terminal (S41).

The transmission of the notification data to the merchandise retailer 700 can also be notified through the portable terminal and the wired terminal provided in the merchandise retailer 700 as described above. But can also be notified via electronic mail, facsimile, or the like using the access number (e-mail address, facsimile number, etc.) of the selling place 700.

The central processing unit 330 notifies the user of the portable terminal 30 requesting the transfer of the success of the requested account transfer. The central processing unit 330 notifies the user of the portable terminal 30 ). If the password is released, the call is connected and provided in the form of a voice message or data so that the user can confirm whether or not the user can transfer the commodity price requested by the user.

The bank trust service system and method using the portable integrated terminal 100 according to the present invention can be used not only for transferring money between a user and an affiliated store according to the purchase of an article as described above but also for carrying a portable terminal, The present invention is of course applicable also to account transfer between all users (subscribers) registered in the server 300, and the procedure is the same as described above.

The card settlement and bank trust service system and method using the portable integrated terminal 100 described above can be applied to the configurations and methods of the embodiments described above, All or some of the embodiments may be selectively combined.

100. Portable hybrid terminal 20. Reader
21. Leading Home 22. Earphone Pin
30. Portable terminal 40. Card recognition module 41. Data input unit 42. Data processing unit 43. Transmitting unit 50. Wireless transmission module 51. Web browser 200: CDMA mobile communication network
300: Money transfer server 310: Network connection
320: DTMF conversion / detection unit 330: Central processing unit
331: ROM 332: Memory
340: voice data processing unit 350: voice storage disk
360: a hard disk (HDD) 370: a clock section
380: voice restorer 400: bank joint network
500: Financial settlement server 501, 502: Bank main computer
600: Public Switched Telephone Network (PSTN) 700: Merchant

Claims (14)

A card recognition module 40 installed to recognize a card containing user's personal information; And
And a wireless transmission module 50 for transmitting the recognized personal information and the information of the portable terminal 30 using the card recognition module 40. [ Card payment and bank trust business system.
The method according to claim 1,
Wherein the wireless transmission module (50) further comprises a web browser (51) for making a connection to a wireless Internet network.
The method according to claim 1,
The card recognition module (40) includes a data input unit (41) for reading the personal information of a card containing personal information;
A data processing unit 42 for converting the personal information input through the data input unit 41 into electrical data so as to be transmitted through the wireless Internet network; And
And a transmission unit (43) for transmitting the personal information, which is processed into electrical data through the data processing unit (42), to the wireless transmission module (50)
And a reader (20) having a reading groove (21) for reading the personal information of the card. The data input unit (41) system.
The method according to claim 1,
Wherein the card recognition module (40) and the wireless transmission module (50) are integrated with each other, and a card settlement and bank trust service system using the portable integrated terminal (100).
The method of claim 3,
The data input section (41)
A reading module that provides the portable terminal (30) with information read from at least one of recognition methods provided to the portable terminal (30);
And a touch pad provided to the portable terminal 30 for receiving a sign from a user, wherein the reading module recognizes and reads at least one of a credit card, an MS magnetic, an IC card, a QR code, a bar code and an RF tag The portable terminal 30 may be a mobile phone, a smart phone, a laptop computer, MP3 (MPEG Audio Layer-3), MP4 (MPEG Audio Layer-4) A card settlement and a bank trust service system using at least one of a dictionary, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player), and navigation.
6. The method of claim 5,
The reader (20)
An earphone pin 22 having a predetermined shape and having one end inserted into the earphone connection adapter of the portable terminal 30;
And a reading groove (21) at the other end of the card for reading the card.
The method according to claim 5 or 6,
The leading groove (21)
The portable terminal (100) according to any one of the preceding claims, further comprising a cover for protecting the outside of the leading groove (21), wherein a groove is formed in the body of the reader (20) And bank trust business system.
6. The method of claim 5,
A method of using a portable terminal (100) for a portable terminal (30)
A first step of accessing the site through the wireless Internet network with the portable terminal 30;
A second step of searching for and selecting goods and information;
A third step of coupling the portable terminal (100) to the portable terminal (30);
A fourth step of determining whether to purchase the selected product in real time or directly with the operator of the site;
If the purchase is determined to be the actual period in the fourth step,
A fifth step of using the URL address characters transmitted from the site to the portable terminal 30 and requesting the site to input personal information in order to secure the authenticity of the individual;
A sixth step of recognizing the personal information from the card containing the personal information according to the request of the fifth step; And
And a seventh step in which the personal information and the information of the portable terminal 30 input in the sixth step are transmitted and a transaction is concluded. In the portable integrated terminal 100, Wherein the mobile terminal is registered as a multi-provider.
9. The method of claim 8,
In the sixth step
A step 6a in which the web browser 51 receives a request for personal information transmission from the site to secure the authenticity of the individual;
(B) inputting an authentication value for authenticating use of the portable wireless terminal (100) to the portable terminal (30);
A step 6c in which the web browser 51 requests the card recognition module 40 to input personal information;
A data input unit 41 of the card recognition module 40 is driven to read personal information of the card;
The personal information read from the data input unit 41 is converted into electrical data by the data processing unit 42 of the card recognition module 40 so as to be suitable for transmission through the wireless Internet network;
The personal information converted into the electrical data is transmitted to the site through the transmitter 43 of the card recognition module 40 and the web browser 51; And
And a fifth step of shifting to the next step when the personal information is safely transmitted through the step 6g and feeding back to the step 5e for reading the information of the card when a failure occurs in the transmission And a bank trust business method using the portable integrated terminal (100).
9. The method of claim 8,
When making a wire transfer,
A first step of transmitting the money account transfer request data including the sender and the identification code of the receiver to the account transfer server through the portable terminal 30;
A second step of requesting transfer from the bank account specified based on the sender identification code to the financial settlement server, upon receipt of the account transfer request data;
A third step of transferring the requested amount of money to the bank account specified based on the identification code of the recipient according to the transfer request;
A fourth step of transmitting, to the account transfer server, data on the success or failure of the transfer including the identification data of the transfer transaction when the transfer of the money is completed; And
And a fifth step of transmitting the account transfer result data to the recipient's communication terminal specified based on the recipient identification code upon receipt of the data on the success or failure of the transfer. Card payment and bank trust business method using.
11. The method of claim 10,
The data transmission method according to any one of claims 1 and 5, wherein the data transmission is performed through a code division multiple access (CDMA) or LTE mobile communication network. Trust method of operation.
11. The method of claim 10,
The sender identification code includes:
Wherein the mobile terminal comprises a telephone number of a mobile communication terminal automatically transmitted according to call connection through a mobile communication network.
11. The method of claim 10,
And the fourth step further comprises notifying the mobile terminal (30) requesting the account transfer through the mobile communication network of the result of the account transfer according to the reception of the data on the success or failure of the transfer. A method for card settlement and bank trust service using the terminal (100).
11. The method of claim 10,
Wherein the account transfer result data includes information on a name and a transfer amount of the sender of the card.

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