KR20150094870A - Appratus for managing integrated financial information, appratus for reading financial cards and operation methods thereof - Google Patents

Abstract

The present invention is to disclose an apparatus for managing integrated financial information, an apparatus for reading a financial card, and an operating method thereof. The apparatus for managing integrated financial information comprises: a reception unit which receives card information of at least one financial card of a user from a user terminal; a database unit which stores the received card information; a control unit which generates an integrated financial identifier indicating the user and the card information of the user; and a transmission unit which provides the integrated financial information identifier to the user terminal. The card information includes information about at least one of a card number, a security code, and term of validity of a payment card.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an integrated financial information management apparatus, a financial card reading apparatus,

The present invention relates to an integrated financial information management apparatus, a financial card reading apparatus, and an operation method thereof, and more particularly, to an integrated financial information management apparatus that enables electronic settlement improved in security and convenience using an integrated financial information identifier, A financial card reading apparatus and a method of operating the same.

Traditionally, credit cards have been used by consumers to purchase goods and services and to pay for them. However, when a user makes a settlement using a credit card, the consumer usually has a large number of credit cards, which is inconvenient to use, and in particular, there is a risk of loss.

To address this, attempts have been made to integrate credit card information into mobile terminals. This is to perform payment settlement using a universal subscriber identity module (USIM) installed in a mobile terminal. By adding a banking function to the wireless communication line subscribers to identify the wireless communication line subscribers, a credit card function, a mobile banking function, Card function and so on.

However, such a wickedness is different for each communication company, and it is troublesome to change the machine and re-issue the existing financial information. In addition, because it is developed for the purpose of communication authentication, there is a limit to the storage space, so it is difficult to store a lot of financial information. In addition, if a mobile terminal is hacked by a hacking or the like, all financial information can be leaked, and when the mobile terminal is lost, there is a disadvantage in use and a weakness in security because the financial information included in the lien is lost together.

Therefore, a financial information management device, a financial card reading device, and an operation method thereof are required to solve such a problem.

SUMMARY OF THE INVENTION The present invention is conceived to solve the problems described above, and it is an object of the present invention to provide an integrated financial information management apparatus, a financial card reading apparatus, and an operation method thereof that enable electronic settlement improved in security and convenience by using an integrated financial information identifier It is for that purpose.

According to an embodiment of the present invention, an integrated financial information management apparatus is disclosed. The apparatus comprising: a receiver for receiving card information of at least one financial card of a user from a user terminal; A database unit for storing the received card information; A control unit for generating an integrated financial information identifier indicating the user and the card information of the user; And a transmitter for providing the integrated financial information identifier to the user terminal. The card information may include at least one of a card number, a card security code, and a card valid period of the payment card.

Preferably, when the receiving unit receives a request for card information of a payment card for financial settlement including the user information from a financial card reading device, the control unit transmits at least the user's information based on the user information included in the request Extracts one financial card, selects one of the extracted at least one financial card as a payment card, and the transmission unit can provide the card information of the selected payment card to the financial card reading device.

According to an embodiment of the present invention, a method of operating a financial card reading apparatus is disclosed. The method includes reading an integrated financial information identifier indicating a user and card information of a user from a user terminal; Requesting card information of a payment card selected for financial settlement among at least one financial card of the user by an integrated financial information management apparatus for managing the card information based on the read result; Receiving card information of the payment card from the integrated financial information management apparatus in response to the request; And transmitting the received card information to a card company server of the payment card, wherein the card information may include information on at least one of a card number, a card security code, and a card validity period of the payment card .

According to an embodiment of the present invention, an operation method of an integrated financial information management apparatus is disclosed. The method includes receiving card information of a user's at least one financial card from a user terminal; Storing the received card information; Generating an integrated financial information identifier indicating the user and the card information of the user; And providing the integrated financial information identifier to the user terminal, wherein the card information may include information about at least one of a card number, a card security code, and a card validity period of the financial card.

Advantageously, the method further comprises: receiving a request for card information of a payment card for financial settlement comprising said user information from a financial card reading device; Extracting at least one financial card of the user based on the user information included in the request; Selecting one of the extracted at least one financial card as a payment card; And providing the card information of the selected payment card to the financial card reading device.

According to an embodiment of the present invention, there is provided a computer-readable recording medium having recorded thereon a program for performing the operating method.

According to the present invention, it is possible to store more information by storing financial information in an integrated financial information management apparatus rather than in the wake of the conventional mobile terminal, and it is possible to save more information, Can be removed.

In addition, according to the present invention, since the user terminal and the integrated financial information management apparatus are implemented as separate devices, it is possible to solve the problem of leakage of financial information due to an attack by a lost user, terminal hacking, Thereby improving security.

Also, according to the present invention, the integrated financial information identifier indicating the user and the user's card information is continuously updated with a predetermined validity period, so that the outflow of financial information due to the intrusion of the integrated financial information identifier and the possibility of exploitation thereof By significantly reducing it, security can be further improved.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 illustrates an electronic payment network environment according to an embodiment of the present invention.
FIG. 2 illustrates an integrated financial information management apparatus according to an embodiment of the present invention.
3 shows a financial card reading apparatus according to an embodiment of the present invention.
FIG. 4 illustrates an operation method of an integrated financial information management apparatus according to an embodiment of the present invention.
FIG. 5 illustrates a method of operation of an integrated financial information management apparatus according to a further embodiment of the present invention.
6 illustrates an operation method of a financial card reading apparatus according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described 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. In addition, embodiments of the present invention will be described below, but the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

1 illustrates an electronic payment network environment according to an embodiment of the present invention.

Referring to FIG. 1, the electronic settlement network environment 100 may include a user terminal 110, a card issuer server 120, a financial card reader 300, and an integrated financial information management apparatus 200.

The user terminal 110 is a terminal owned by a user who purchases goods or services, provides the integrated financial information identifier provided from the integrated financial information management device 200 to the financial card reading device 300, The payment can be made to proceed.

The integrated financial information management apparatus 200 can manage the financial information of the user in an integrated manner. Specifically, the integrated financial management apparatus 200 receives the card information of the financial card from the user terminal 110, forms a database, generates an integrated financial card identifier indicating the user and the card information of the user, As shown in FIG. When the user purchases a product or service, the payment is made using the integrated financial card identifier. To this end, the integrated financial management device 200 receives the payment card from the financial card reading device 300 that has read the integrated financial card identifier When the card information is requested, the card information of the payment card can be provided to the financial card reading device 300.

When the user purchases goods or services, the financial card reading device 300 communicates with the user terminal 110, the integrated financial information management device 200, and the card issuing server 120, Can be performed. Specifically, the financial card reading device 300 reads the Internet address and user information of the integrated financial information management device 200 from the integrated financial information identifier provided by the user terminal 110, The user can request the card information of the payment card of the user. The request is for requesting payment settlement using one of the user's financial cards indicated by the integrated financial information identifier as a payment card. In response to the request, the financial card reading device 300 receives the card information of the payment card from the integrated financial information management device 200 and transmits the card information to the card company server 120 of the payment card to perform settlement . The financial card reading device 300 may be owned and / or operated by a merchant providing a product or service to a user, wherein the merchant is subscribed to an electronic payment intermediary such as a PG company and / or a VAN company, And may be a company that installs a server and / or a terminal that enables settlement and provides a service. Accordingly, the financial card reading device 300 may be a server and / or a terminal operated by an affiliate shop. The merchant terminal may include, for example, a POS terminal (Point Of Sales Terminal) in an offline store, and the merchant server may include a web server such as a shopping mall.

Card issuer server 120 means a server operated by a company that issues a financial card to a user and provides a credit finance service. Here, the financial card may include at least one of a credit card, a debit card, a check card, and a prepaid card. The card issuer server 120 receives the card information of the user's financial card from the financial card reading device 300 and can use it to process the payment settlement.

Although not shown in FIG. 1, the electronic payment network environment 100 may further include a VAN server and / or a PG server. The VAN server and the PG server can relay payment by the user's financial card between the card issuer server 120 and the financial card reading device 300. [ Generally, the VAN server relays the payment payment through the merchant terminal on the off-line, while the PG server relays the settlement payment through the merchant server on the Internet on-line, and the payment transaction of the PG server is transmitted to the card issuer server 120, respectively.

FIG. 2 illustrates an integrated financial information management apparatus according to an embodiment of the present invention.

2, the integrated financial information management apparatus 200 may include a receiving unit 210, a transmitting unit 220, a database unit 230, and a control unit 240.

The receiving unit 210 and the transmitting unit 220 may communicate with the user terminal 110 and / or the financial card reading device 300. Specifically, the receiving unit 210 may receive the card information of at least one financial card from the user terminal 110. Here, the financial card is issued by a card company as a means for payment, and may include, for example, a credit card, a debit card, a check card, a prepaid card, and the like. Further, the card information may include, for example, a card number, a card security code, a card validity period, etc. as information required by a card company to identify the card and perform settlement. Such card information is illustrative, and may be configured in various ways depending on the payment method, card issuer, and the like. In response to the reception of the card information, the transmission unit 220 may provide the integrated financial information identifier generated based on the received card information to the user terminal 110. [

The receiving unit 210 can also receive a request for card information of a payment card for financial settlement from the financial card reading device 300. [ The request is for requesting payment settlement using one of the user's financial cards indicated by the integrated financial information identifier as a payment card. The financial card reading device 300 includes the acquired user information by reading the integrated financial information identifier . In response to the request, the transmitting unit 220 may provide the card information of the payment card to the financial card reading device 300. [

Also, the receiving unit 210 may receive an update request for the integrated financial information identifier from the user terminal 110. [ Here, the update request causes a new integrated financial information identifier to be newly generated. Accordingly, when a new integrated financial information identifier is generated, the transmission unit 220 can transmit the newly generated integrated financial information identifier to the user terminal 110. [

The database unit 230 may store card information of at least one financial card of the user. Also, the database unit 230 may store the user information together with the card information. Here, the user information is used to identify and authenticate a user so as to access the card information of the user's financial card. The user information includes at least one of user authentication information, expiration time of the integrated financial information identifier, user preference information, . ≪ / RTI > The user authentication information is information used for verifying the identity of the user required to proceed with the settlement. For example, the user authentication information includes identification information of the user, identification information of the user terminal 110 (e.g., International Terminal Authentication Number (IMEI) ), A communication subscriber identification number of the user terminal 110, digital signature information of the user, and the like. However, the present invention is not limited thereto. Various user authentication information may be used according to an embodiment of the present invention. The valid period of the integrated financial information identifier is a predetermined period for validating the integrated financial information identifier provided to the user terminal 110. The valid period is continuously changed . Once an integrated financial information identifier is created and provided, it is possible to improve the security performance by continuously changing it rather than being maintained. The user preference information means information about the preference for at least one financial card. That is, the user preference information may provide a criterion for selecting one of the at least one financial card as a payment card. The user preference information may include, for example, discount (site, bill, point deduction, promotion, preferential / gift), accumulation (point, cashback, etc.), installment ), And so on. The identification value is a unique value for identifying the integrated financial identifier, for example, a hash value generated by a predetermined algorithm. The security value of the electronic settlement using the integrated financial information identifier can be improved by judging the validity of the identification value as a value which is changed every time the integrated financial information identifier is updated. According to the embodiment, the card information and / or the user information may be encrypted and stored in the database unit 230.

The control unit 240 may generate an integrated financial information identifier indicating the user and the card information of the user. For example, the control unit 240 can generate an integrated financial information identifier each time the user registers or updates the card information or the valid period of the integrated financial information identifier is updated. The integrated financial information identifier may include an Internet address of the integrated financial information management apparatus 200 and user information. According to an embodiment, the user information included in the integrated financial information identifier may be encrypted user information. In one embodiment, the control unit 240 may implement the integrated financial information identifier in the form of, for example, a quick response code (QR code) or a bar code.

Also, the control unit 240 can determine the validity of the integrated financial information identifier and select a payment card for financial settlement. Specifically, when receiving the request of the card information of the payment card for financial settlement by the receiving unit 210, the control unit 240 can determine the validity of the integrated financial information identifier. The determination of the validity may be based on at least one of the user authentication information included in the user information in the request, the validity period of the integrated financial information identifier, and the identification value. That is, the control unit 240 can determine the validity of the integrated financial information identifier by comparing at least a part of the user information previously stored in the database unit 230 with at least a part of the user information received by the receiving unit 210. If it is determined that the integrated financial information identifier is valid, the control unit 240 extracts at least one financial card of the user determined based on the user authentication information of the user information included in the request, You can choose one of your financial cards as your payment card. Various criteria can be used in this selection process. In one example, one of the at least one financial card may be randomly selected as a payment card. In one example, the usage frequency of at least one of the financial cards may be high, or the most recently used financial card may be selected as the payment card. In one example, the payment card can be selected using the user preference information of the user information. The card information of the selected payment card can be transmitted to the financial card reading device 300 by the transmission unit 220. [

2, the receiving unit 210, the transmitting unit 220, the database unit 230, and the control unit 240 may be implemented by a plurality of physical devices or by a single physical device It will be understood. For example, the receiving unit 210, the transmitting unit 220, the database unit 230, and the control unit 240 may be implemented using various methods such as using software or using firmware .

A more specific operation method of the financial card reading apparatus 300 according to the embodiment of the present invention will be described in detail with reference to FIG. 4 and FIG.

3 shows a financial card reading apparatus according to an embodiment of the present invention.

3, the financial card reader 300 may include a control unit 310, a transmission unit 320, and a reception unit 330.

The control unit 310 can read the integrated financial information identifier from the user terminal 100. [ Herein, the integrated financial information identifier is used to indicate the user and the user's financial information. The control unit 310 reads the integrated financial identifier, identifies the Internet address of the integrated financial information management apparatus 200 managing the user's financial information, User information can be obtained. According to the embodiment, the user information acquired by the control unit 310 may be encrypted. In addition, the integrated financial information identifier may be in the form of a quick response code or a bar code. In this case, the control unit 310 may include a QR code or a reader capable of reading the bar code ). ≪ / RTI >

The transmission unit 320 and the reception unit 330 may communicate with the user terminal 110, the integrated financial information management apparatus 200, and / or the card issuer server 120.

Specifically, the transmission unit 320 can request card information of the payment card for financial settlement to the integrated financial information management apparatus 200 based on the read result of the control unit 310. [ That is, the control unit 310 accesses the Internet address of the integrated financial information management device 200 read by the control unit 310, and transmits a request for the card information of the payment card to the integrated financial information management device 200. Here, the request is for requesting a payment settlement using one of the user's financial cards indicated by the integrated financial information identifier as a payment card, and may include the acquired user information by reading the financial information identifier by the control unit 310 have. The receiving unit 330 may receive the card information of the payment card from the integrated financial information management apparatus 200 in response to the transmission of the request. The card information of the payment card means information for performing payment by the card company, and may include, for example, a card number, a card security code, a card validity period, and the like. Such card information is illustrative, and may be configured in various ways depending on the payment method, card issuer, and the like. When the receiving unit 330 receives the card information, the transmitting unit 320 may transmit the received card information to the card company server 120 so that the card company can process the payment. The card information received by the receiving unit 330 from the integrated financial information management apparatus 200 and transmitted from the transmitting unit 320 to the card issuing server 120 may be encrypted.

In FIG. 3, it is to be understood that the control unit 310, the transmission unit 320, and the reception unit 330 may be implemented by a plurality of physical devices and may be implemented by one physical device. For example, each of the control unit 310, the transmission unit 320, and the reception unit 330 may be implemented using various methods such as using software or using firmware.

A more specific operation method of the financial card reading apparatus 300 according to an embodiment of the present invention will be described in detail with reference to FIG.

FIG. 4 illustrates an operation method of an integrated financial information management apparatus according to an embodiment of the present invention.

In step S410, the receiving unit 210 of the integrated financial information management device 200 may receive the card information of at least one financial card from the user terminal 110. [ Here, the financial card is issued by a card company as a means for payment, and may include, for example, a credit card, a debit card, a check card, a prepaid card, and the like. Further, the card information may include, for example, a card number, a card security code, a card validity period, etc. as information required by a card company to identify the card and perform settlement. Such card information is illustrative, and may be configured in various ways depending on the payment method, card issuer, and the like

In step S420, the database unit 230 may store the card information received by the receiving unit 210. [ According to the embodiment, the database unit 230 may store the user information generated by the control unit 240 together with the card information. In step S420, the card information and / or the user information may be encrypted or unencrypted and stored in the database unit 230. [

In step S430, the control unit 240 may generate an integrated financial information identifier. The integrated financial information identifier is used to indicate the card information of the user and the user and includes the Internet address and user information of the integrated financial information management apparatus 200, And may include at least one of user authentication information, validity period of the integrated financial information identifier, user preference information, and identification value of the integrated financial information identifier for identifying and authenticating a user. According to an embodiment, the user information contained in the integrated financial information identifier may be encrypted. In addition, the control unit 240 may generate an integrated financial information identifier in the form of a QR code or a barcode, for example.

In step S440, the transmission unit 220 may provide the integrated financial information identifier generated by the control unit 240 to the user terminal 110. [ The integrated financial information identifier provided to the user terminal 110 may be provided to the financial card reading device 300 for settlement when the user subsequently purchases the goods or services.

In one embodiment, the method 400 includes the steps of the control unit 240 updating the valid period to a new period to generate a new consolidated financial information identifier when the valid period of the integrated financial information identifier expires; And the transmitting unit 220 may provide the integrated financial information identifier newly generated by the control unit 240 to the user terminal 110. [ The validity period of the integrated financial information identifier is a predetermined period for validating the integrated financial information identifier provided to the user terminal 110. Considering that it can be continuously changed according to the elapse of a predetermined period, , And newly generated integrated financial information identifiers are provided to have a new validity period when the validity period expires, thereby improving security performance.

In one embodiment, the method 400 includes the steps of the receiving unit 210 receiving an update request for an integrated financial information identifier from the user terminal 110; The control unit 240 generates a new integrated financial information identifier according to the update request. And the transmitting unit 220 may provide the newly created integrated financial information identifier to the user terminal 110. [ The risk of theft of the conventional integrated financial information identifier can be eliminated by generating and receiving a new integrated financial information identifier in the case of loss of the user terminal or duplication of the integrated financial information identifier.

FIG. 5 illustrates a method of operation of an integrated financial information management apparatus according to a further embodiment of the present invention.

In step S510, the receiving unit 210 can receive a request for card information of the payment card for financial settlement from the financial card reading device 300. [ The request is for requesting payment using one of the user's financial cards indicated by the integrated financial information identifier as a payment card. The request includes the user information obtained by reading the integrated financial information identifier from the financial card reading device 300 .

In step S520, the control unit 240 may extract at least one financial card of the user based on the request received by the receiving unit 210. [ In detail, the control unit 240 may identify the user from the user information included in the request, and extract at least one financial card of the user stored in the database unit 230.

In step S530, the controller 240 may select one of the at least one financial card extracted in step S520 as a payment card. Various criteria can be used to select payment cards. In one example, the control unit 240 may select one of the at least one financial card as a payment card at random. In one example, the control unit 240 may have a high usage frequency of at least one financial card, or the most recently used financial card may be selected as a payment card. In one example, the control unit 240 can select the payment card using the user preference information of the user information.

In step S540, the transmission unit 220 can provide the card information of the payment card selected by the control unit 240 to the financial card reading device 300. [ According to an embodiment, the card information provided to the financial card reading device 300 may be encrypted card information. When the card information is provided to the financial card reading device 300, the card information is transferred to the card company server 120 and can be used for financial settlement.

In one embodiment, the control unit 240 may determine the validity of the integrated financial information identifier. The validity may be determined by comparing at least some of the user information included in the request received by the receiver 210 with at least some of the user information stored in the database 230. If it is determined that the integrated financial information identifier is not valid, at least one of steps S530 and S540 may not be performed.

6 illustrates an operation method of a financial card reading apparatus according to an embodiment of the present invention.

In step S610, the control unit 310 can read the integrated financial information identifier from the user terminal 110. [ As a result of the reading in step S610, the Internet address and user information of the integrated financial information management device 200 can be obtained, wherein the user information includes user authentication information, an effective period of the integrated financial information identifier, user preference information, And an identification value of the first terminal.

In step S620, the transmission unit 320 can request the integrated financial information management apparatus 200 for the card information of the payment card based on the read result of the control unit 310. [ The request is for requesting payment settlement using one of the user's financial cards indicated by the integrated financial information identifier as a payment card, and the control unit 310 may include user information obtained by reading the integrated financial information identifier And the request may be transmitted using the Internet address of the integrated financial information management device 200 obtained by reading the integrated financial information identifier by the control unit 310. [

In step S630, the receiving unit 330 may receive the card information of the payment card from the integrated financial information management device 200 in response to the request of step S620. The card information may include, for example, information regarding at least one of a card number, a card security code, and a card validity period of a payment card, but this is merely an example, and various information necessary for proceeding payment by a card company may be used .

On the other hand, the integrated financial information management apparatus 200 can determine the validity of the integrated financial information identifier based on the user information included in the request transmitted in step S620. If the integrated financial information identifier is not valid , Step S630 may not be performed.

In step S640, the transmission unit 320 may transmit the card information received by the reception unit 320 to the card issuer server 120 of the payment card. When the card company server 120 receives the card information through step S640, the card company can perform payment settlement using the card information.

The operation method 400, 500, 600 of the integrated financial information management apparatus 200 and the financial card reading apparatus 300 according to the embodiment of the present invention may include a program for performing the operation methods 400, And may be embodied by a recorded computer-readable recording medium.

As described above, an optimal embodiment has been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

100 Electronic payment network environment 110 User terminal
120 Card issuer server 200 Integrated financial information management device
300 Financial card reader

Claims (17)

A method of operating a financial card reading device,
Reading an integrated financial information identifier indicating a user and card information of the user from the user terminal;
Requesting card information of a payment card selected for financial settlement among at least one financial card of the user by an integrated financial information management apparatus for managing the card information based on the read result;
Receiving card information of the payment card from the integrated financial information management apparatus in response to the request; And
And transmitting the received card information to a card company server of the payment card,
Wherein the card information includes information about at least one of a card number, a card security code, and a card validity period of the payment card. The method according to claim 1,
Wherein the integrated financial information identifier is implemented in the form of a quick response code or a bar code. The method according to claim 1,
Wherein the integrated financial information identifier includes an Internet address of the integrated financial information management apparatus and user information of the user for receiving the card information and the user information includes at least one of user authentication information of the user, The user preference information, and the identification value of the integrated financial information identifier. The method of claim 3,
Wherein when the validity period of the integrated financial information identifier expires, the step of receiving the card information of the payment card is not performed. A method of operating an integrated financial information management apparatus,
Receiving card information of a user's at least one financial card from a user terminal;
Storing the received card information;
Generating an integrated financial information identifier indicating the user and the card information of the user; And
And providing the integrated financial information identifier to the user terminal,
Wherein the card information includes information about at least one of a card number, a card security code, and a card validity period of the financial card. 6. The method of claim 5,
Wherein the integrated financial information identifier includes an Internet address of the integrated financial information management apparatus and user information of the user for receiving the card information and the user information includes at least one of user authentication information of the user, The user preference information, and the identification value of the integrated financial information identifier. The method according to claim 6,
Updating the valid period to a new period to generate a new integrated financial information identifier when the valid period expires; And
Further comprising providing the new aggregate financial information identifier to the user terminal. 6. The method of claim 5,
Wherein the integrated financial information identifier is provided in the form of a QR code or a bar code. The method according to claim 6,
Receiving a request for card information of a payment card for financial settlement including the user information from a financial card reading device;
Extracting at least one financial card of the user based on the user information included in the request;
Selecting one of the extracted at least one financial card as a payment card; And
And providing card information of the selected payment card to the financial card reading device. 10. The method of claim 9,
Further comprising determining validity of an effective period of the integrated financial information identifier among the user information included in the request,
Selecting the payment card if the valid period is valid; And providing the card information is performed. A computer-readable recording medium on which a program for performing the method according to any one of claims 1 to 10 is recorded. As an integrated financial information management device,
A receiving unit for receiving card information of at least one financial card of a user from a user terminal;
A database unit for storing the received card information;
A control unit for generating an integrated financial information identifier indicating the user and the card information of the user; And
And a transmitter for providing the integrated financial information identifier to the user terminal, wherein the card information includes at least one of a card number, a card security code, and a card valid period of the payment card. 13. The method of claim 12,
Wherein the integrated financial information identifier includes an Internet address of the integrated financial information management apparatus and user information of the user for receiving the card information and the user information includes at least one of user authentication information of the user, The user preference information, and the identification value of the integrated financial information identifier. 14. The method of claim 13,
Wherein the control unit updates the valid period to a new period and generates a new integrated financial information identifier including the updated valid period when the valid period expires, and the transmitter transmits the new integrated financial information identifier The integrated financial information management device. 13. The method of claim 12,
Wherein the integrated financial information identifier is provided in the form of a QR code or a bar code. 14. The method of claim 13,
When the receiving unit receives a request for card information of a payment card for financial settlement including the user information from the financial card reader, the control unit transmits the request for card information to the at least one financial card of the user based on the user information included in the request And selects one of the extracted financial cards as a payment card, and the transmission unit provides card information of the selected payment card to the financial card reading device. 17. The method of claim 16,
Wherein the control unit judges the validity of the valid period of the integrated financial information identifier included in the request and performs the extraction of the at least one financial card and the selection of the payment card if the valid period is determined to be valid, Information management device.

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