KR20150101019A - Method for Controlling Transaction Means - Google Patents

Abstract

The present invention relates to a method for controlling a transaction means. A method for controlling a transaction means according to the present invention includes a first step, in a method for controlling a transaction means performed by a server, includes a first step of controlling the maintenance of an inactive state to a client transaction means, a second step of receiving identification data transmitted by a predetermined or real-time authentic program of the registered wireless terminal of the client to change the inactive state of the transaction unit into an active state, a third step of reading the identification data and checking the changing request of the client of the inactive state into the active state, a fourth step of controlling the change of the active state of the transaction means of the client based on the checked changing request, and a step of restoring the inactive state of the active transaction means of the client according to a designated condition.

Description

Method for Controlling Transaction Means [

The present invention controls the inactivity state of the customer's transaction means, reads the identification data transmitted through the authenticated program of the pre-registered wireless terminal owned by the customer, and confirms the transaction activation change request of the customer Wherein the control means controls the customer's financial transaction using the activated transaction means to be performed according to a designated procedure when the transaction means of the customer is pre-transferred from the inactive state to the active state, And restores it to an inactive state.

It is no exaggeration to say that personal information about most people is exposed through various hacking or personal information transactions. Therefore, anyone can easily access the personal information of another person, and cases of illegal transaction such as stealing the personal information of the other person are frequently occurred. In particular, recent credit card companies' exposure to customer information is more fatal because it involves not only personal information but also financial information (http://m-economynews.com/detail.php?number=7488&thread=31 )

Furthermore, according to the "Information Communication Network Use Promotion and Information Protection Act" and "Personal Information Protection Act" currently being applied, if the victim of personal information leakage causes the burden of proof to be proved by the victim himself or herself, Even if monetary damages occur due to the leakage of personal information, it is almost impossible to receive compensation for it.

In order to solve the above problems, an object of the present invention is to control the inactivity state of a transaction means of a customer to be maintained and to provide identification data And controls the customer to switch the transaction means from the inactive state to the active state on the basis of the request to change the transaction means activation state of the customer, And controlling the customer's financial transaction using the activated transaction means to be performed according to a designated procedure when the transaction means of the customer is pre-transferred from the inactive state to the active state, State to be restored to the state In the gongham.

A transaction means control method according to the present invention is a transaction means control method executed by a server, comprising: a first step of controlling the inactive state of a transaction means of a customer to be maintained; A second step of receiving identification data transmitted via a pre- or real-time authenticated program of the pre-registered wireless terminal owned by the customer in order to convert the identification data of the customer into the in- A third step of confirming an activation change request, a fourth step of controlling the transaction means of the customer to be activated on the basis of the confirmed activation change request, And a fifth step of restoring the transaction means to an inactive state.

According to the present invention, the transaction means control method may further include storing customer information of a customer corresponding to the transaction means for maintaining the inactive state in a registered storage medium, The inactive state of the transaction means of the corresponding customer can be maintained.

According to the present invention, the transaction means control method may further include storing customer identification information for a customer corresponding to the transaction means to be maintained in the inactive state, and storing the customer identification information in a designated storage medium, The inactive state of the transaction means of the customer corresponding to the identification information can be maintained.

According to the present invention, the transaction means control step further comprises the step of confirming or registering the customer's wireless terminal information corresponding to the transaction means to maintain the inactive state and storing the information in the designated storage medium, The inactive state of the transaction means of the customer corresponding to the wireless terminal information can be maintained.

According to the present invention, the transaction means control method may further include the step of authenticating the validity of the program that is provided or running on the customer-owned wireless terminal, or confirming the result of verifying the validity of the program.

According to the present invention, the transaction means control method may further include the step of authenticating the validity of the customer-owned wireless terminal having the program or running the program, or confirming the result of verifying the validity of the customer-owned wireless terminal have.

According to the present invention, the transaction means control method further comprises: authenticating the validity of the customer-owned wireless medium including the program being provided or running in the customer-owned wireless terminal and the wireless terminal having the program or running, And confirming the result of verifying the validity of the wireless medium.

According to the present invention, in the second step, an operation designated through a program provided to the pre-registered wireless terminal owned by the customer is performed to switch the inactive transaction means into an active state, And may receive identification data that identifies that the specified action has been made corresponding to the specified action performed.

According to the present invention, the identification data may include an input identification value for identifying that the customer has key-input a specific key button or key button combination provided in the wireless terminal, a specific touch area of the touch screen, A touch identification value for identifying that the touch area combination is touched, customer identification information input by the customer, and partial selection information selected from the customer's previously registered customer information.

According to the present invention, the identification data may further include authentication information for authenticating the validity of a program being provided or operated by the customer-owned wireless terminal, and the second step may include providing Or confirming the validity of the program being driven, or confirming the result of verifying the validity of the program.

According to the present invention, the identification data may further include authentication information for authenticating the validity of a customer-owned wireless terminal equipped with or running the program, and the second step may include providing the program using the authentication information, Authenticating the validity of the customer-owned wireless terminal, or confirming the result of verifying the validity of the customer-owned wireless terminal.

According to the present invention, the identification data further includes authentication information for authenticating the validity of a customer-owned wireless medium including a program that is provided or operated by the customer-owned wireless terminal and a wireless terminal including or running the program, The second step is a step of authenticating the validity of the customer-owned wireless medium including the program being provided or running on the customer-owned wireless terminal and the wireless terminal having the program or running the program using the authentication information, And confirming the result of authenticating the validity of the medium.

According to the present invention, the transaction means control method further comprises the steps of: receiving the pre-approval information for the transaction means to be switched from the pre-registered or real-time authenticated program of the pre-registered wireless terminal owned by the customer to the activated state; And storing the acquired pre-approval information in a designated storage medium. If the pre-approval information is stored, the transaction means control method includes the steps of: confirming a financial transaction using the transaction means of the customer switched to the activated state; Controlling the validity of the pre-approved information entered through the customer during the transaction to be authenticated; and controlling the procedure of the financial transaction using the transaction means of the customer to be performed when the pre-approved information is authenticated can do.

According to the present invention, the fourth step may further include setting at least one control condition among the activation period, the activation period, and the transaction use period for the transaction means that is switched to the activation state.

According to the present invention, the transaction means control method includes at least an activation period, an activation time, and a transaction usage count for the transaction means that is switched from the pre-registered or real-time authenticated program of the pre- The method may further include confirming one control condition, and the fourth step may further include setting the confirmed control condition to the transaction means that is switched to the activated state. If the control condition is set, the transaction means control method further comprises the steps of: confirming a financial transaction using the transaction means of the customer switched to the activated state; and if the confirmed financial transaction meets the control condition, And controlling the transaction means of the customer to be restored to an inactive state when the confirmed financial transaction does not conform to the control condition. Or the transaction means control method further comprises a step of comparing the activation condition of the transaction means of the customer with the control condition when the control condition is set and if the activation condition matches the control condition, And controlling the transaction means of the customer to be restored to an inactive state when the activation state does not match the control condition.

According to another aspect of the present invention, there is provided a method for controlling a transaction means, the method comprising the steps of: confirming a financial transaction being performed before the transaction means is activated when the transaction means of the customer is activated; May activate the transaction means of the customer after initializing the confirmed financial transaction of the customer.

According to the present invention, the transaction means may include at least one or a combination of at least one of a financial account of a customer opened at a financial institution, a card issued to a customer at a financial institution, and an authentication means used in a non- have.

According to the present invention, since the transaction means of the customer remains inactive until the transaction means of the customer is activated in advance of the customer's financial transaction request using the program provided in the customer-owned wireless terminal, the third party (or the hacker) Has the advantage of blocking the attempt to illegally deal with customer information.

According to the present invention, after the customer's transaction means is activated in advance of the customer's financial transaction request using the program provided in the customer's own wireless terminal, the financial transaction is processed using the transaction means of the customer, There is an advantage that a third party (or a hacker) who is not possessed by the customer hinders the illegal transaction by stolen the customer information.

FIG. 1 is a schematic diagram of a system configuration for implementing a transaction means control system using a program of a wireless terminal according to an embodiment of the present invention.
2 is a diagram illustrating a transaction means control system using a program of a wireless terminal according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a wireless terminal and a program according to an embodiment of the present invention.
4 is a diagram illustrating a customer-owned wireless medium authentication process according to an embodiment of the present invention.
5 is a diagram illustrating a process of keeping a customer's transaction means in an inactive state according to an embodiment of the present invention.
6 is a diagram illustrating a process of switching an inactive transaction means to an active state according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a process of controlling a financial transaction using a transaction unit that has been activated using advance approval information according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of controlling a financial transaction using a transaction means that is switched to an active state using control conditions according to an embodiment of the present invention.
FIG. 9 is a diagram illustrating a process of forcibly restoring the activated transaction means to an inactive state according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

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 terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

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

1 is a schematic diagram of a system configuration for implementing a transaction means control system 200 using a program 315 of a wireless terminal 300 according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a method for controlling the inactivity state of a customer's transaction means, reading identification data transmitted through an authorized program 315 of the customer's previously registered wireless terminal 300, Wherein the control means controls the customer's financial transaction using the activated transaction means to be performed according to a designated procedure when the transaction means of the customer is switched from the inactive state to the active state by confirming the transaction request to activate the customer, FIG. 2 is a schematic diagram of a system configuration for implementing a transaction means control system 200 for restoring a transaction means to an original inactive state according to a specified condition. As shown in FIG. 2, Referring to and / or altering Figure 1, a variety of system configurations for implementing the transaction means control system 200 It is to be understood that the invention may be practiced with other modes of practicing the invention (for example, omitting some of the components, or subdividing, or combining the practice) The technical characteristics thereof are not limited.

The transaction means control system (200) of the present invention includes a customer-owned wireless terminal (300) having a program (315) having a function of performing a designated operation for switching an inactive transaction means to an active state, The customer corresponding to the transaction means interacts with the program 315 included in the customer's own wireless terminal 300 to read that the customer has performed the designated action corresponding to the specified operation of the program 315, (Or implementing) a transaction means control system 200 for pre-switching from an inactive state to an active state, or restoring the state to an inactive state. The transaction means control system 200 may be implemented on a financial server 105 that manages the transaction means of the customer and processes financial transaction of the customer or may be implemented on the operation server 100, Or may be distributed on the operation server 100 and the financial server 105. The present invention is not limited by the name or physical configuration of the server on which the transaction means control system 200 is implemented No. In addition, the transaction means control system 200 may be a server that can intervene in the inactivity / activity of the transaction means such as an authentication server of various designated certification bodies, a communication company server of a communication company in addition to the operation server 100 and the financial server 105 It is expressly made clear that any server belongs to the scope of the present invention. Therefore, the transaction means control system 200 belongs to the scope of the present invention even if any server name is used as long as it is a server (or a combination of servers) provided in an agency that can intervene in the inactivity / activity of the transaction means.

The customer's own wireless terminal (300) is provided with a program (315) having a function of performing a designated operation for switching an inactive transaction means into an active state, A smart phone, a tablet PC, and the like, which is owned or portable by the customer and which can identify the occupation of the program 315, Lt; RTI ID = 0.0 > and / or < / RTI > devices that are connectable to at least one communication network.

The operation server 100 is a collective term for a server that can communicate with the program 315 of the wireless terminal 300 and can operate in conjunction with the financial server 105 that manages the transaction means. The features of the present invention will be described focusing on that the system 200 is implemented in the operation server 100. FIG. Thus, in describing the embodiments below, "processing" or "control" may be performed by communicating with a financial server 105 that manages the customer's trading means and processes financial transactions (eg, banking, payment, Quot ;, < / RTI > and < RTI ID = 0.0 > a < / RTI > However, the present invention is not limited to the transaction means control system 200 implemented in the operation server 100, and the transaction means control system 200 may include the financial server 105, (Or a combination of servers) provided in an organization capable of intervening in an activity can be implemented in any server. For example, if the transaction means control system 200 is implemented in the financial server 105, the "processing" or "control" used in the following embodiments may be implemented within the financial server 105 ).

The financial server 105 is a collective term for a server provided in a financial institution that manages the customer's transaction means and processes the financial transaction of the customer and is preferably used for a financial transaction using the transaction means of the customer And is a server provided in a financial institution for performing a transaction procedure. According to an embodiment of the present invention, the transaction means control system 200 can be implemented through the financial server.

The transaction means is a collective term of the means used for the financial transaction of the customer and preferably includes a financial account or a financial account of the customer's name opened in the financial institution, (E.g., an OTP medium, a secure card, an authorized certificate, etc.) for non-face-to-face financial transactions, or may include a credit card, a check card, a debit card, a cash card,

The transaction means control system 200 controls to keep the inactive status of the transaction means of the customer and controls the transaction means control system 200 to determine whether the pre- or real-time authenticated program 315 of the pre- Reads the data and confirms (or controls to confirm) the request to switch the transaction means activation to the customer, controls the transaction means of the customer to switch from the inactive state to the active state in advance based on the request to switch the transaction means activation And controlling the customer's financial transaction using the activated transaction means to be performed according to a designated procedure when the transaction means of the customer is prechanged from the inactive state to the active state, One or more read or authentication or control, including controlling to be restored to an inactive state Characterized in that any of the procedures.

Hereinafter, it will be apparent that the present invention is not limited to the embodiments in which the transaction means control system 200 is implemented in the operation server 100, but the present invention is not limited thereto. Thus, in describing the embodiments below, "processing" or "control" may be performed by communicating with a financial server 105 that manages the customer's trading means and processes financial transactions (eg, banking, payment, Quot ;, < / RTI > and < RTI ID = 0.0 > a < / RTI > However, the transaction means control system 200 is not limited to the embodiment of the present invention in that the transaction means control system 200 is implemented in the operation server 100, and the transaction means control system 200 is not limited to the financial server 105, Any combination of servers (or combinations of servers) provided to an organization that is capable of intervening inactivity / activity can be implemented in any server. If the transaction means control system 200 is implemented in the financial server 105, the "processing" or "control" used in the following embodiments is performed in the financial server 105 In the same way.

FIG. 2 is a diagram illustrating a transaction means control system 200 using a program 315 of a wireless terminal 300 according to an embodiment of the present invention.

In more detail, FIG. 2 is a flowchart illustrating a method of controlling the inactivity state of a transaction means of a customer, reading identification data transmitted through an authenticated program 315 of the customer's previously registered wireless terminal 300, A control unit for controlling the customer to switch the transaction means from the inactive state to the active state on the basis of the request for the activation of the transaction means activation, Controlling the financial transaction of the customer using the activated transaction means to be performed in accordance with a designated procedure and controlling the activated transaction means to be restored to the original inactive state according to the designated condition, ≪ / RTI > illustrates a system for performing one or more read or authentication or control procedures, Those skilled in the art will be able to refer and / or modify FIG. 2 to illustrate various implementations of the transaction means control system 200 (e.g., some of the components may be omitted, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG. In other words, the embodiment of FIG. 2 corresponds to an example of a preferred embodiment of the present invention. In the embodiment of FIG. 2, a specific component may be omitted, or a function implemented in a specific component may be omitted. It is to be clearly understood that the present invention is not limited to the above-described embodiments, but may be divided into other constituent parts, or functions implemented in two or more constituent parts may be integrated into any one constituent part. In addition, it is evident that all embodiments in which the specific configuration unit implemented on the server side is implemented on the terminal side and the server side refers to the specific configuration unit in the embodiment of FIG. 2 are all within the scope of the present invention. Accordingly, it is clear that various embodiments corresponding to subsets or combinations based on the embodiment of FIG. 2 can be variously divided according to the filing date of the present invention.

Referring to FIG. 2, the transaction means control system 200 includes a transaction means control unit 215 for controlling an inactive state of the transaction means of the customer, and maintains the inactive state of the transaction means of the customer (Or running) program 315 provided in the wireless terminal 300 owned by the customer, and stores the program 315 in a storage medium A medium authentication processing unit 210 for authenticating the validity of the wireless terminal 300 in the provided (or running) state or for authenticating the validity of the customer-owned wireless medium corresponding to the combination of the program 315 and the wireless terminal 300 And a processing unit (not shown). If the transaction means control system 200 does not have the proper authority to authenticate the validity of the program 315 included in the mobile terminal 300 according to the embodiment of the present invention The authentication function of the media authentication processing unit 210 may be omitted in the case where the program 315 of the medium means 200 is provided to the wireless terminal 300 by a separate agency other than the institution that operates the transaction means control system 200, The result of authenticating the validity of the customer's own wireless medium through a separate authentication server that can authenticate the validity of the owned wireless medium can be referred to.

The information registration processing unit 205 can identify the customer who has issued (or opened) the transaction means for maintaining the inactive state, and store the customer information for the customer in the designated storage medium. The customer information may include at least one of the customer's personal information (e.g., a name, a resident number (or a unique number substituting a resident number), a contact, a mobile phone number, etc.) And may include a telephone number for the wireless terminal 300 owned by the customer. The information registration processing unit 205 registers or stores the customer information from the customer terminal (not shown) used by the customer or the program 315 of the customer-owned wireless terminal 300 or issues the transaction means The customer information of a financial institution can be referred to.

The information registration processing unit 205 may determine or store the customer identification information for identifying or authenticating the customer who has issued (or opened) the transaction means to maintain the inactive state, and store the information in the designated storage medium. The customer identification information may include a personal identification number (PIN) registered or assigned to uniquely identify the customer, a personal identification number (e.g., password, etc.) registered for customer authentication or service authentication, And may include at least one or a combination of two or more of the unique numbers unique to the customer. The information registration processing unit 205 registers the customer information from the customer terminal used by the customer or the program 315 of the customer-owned wireless terminal 300 or stores the customer information in the program 315, And then store it.

The information registration processing unit 205 confirms the wireless terminal information about the wireless terminal 300 owned by the customer who has issued (or opened) the transaction means for maintaining the inactive state, and stores the wireless terminal information in the designated storage medium have. The wireless terminal information may include a wireless terminal telephone number assigned to the wireless terminal 300 owned by the customer. The information registration processing unit 205 performs at least one authentication procedure of subscriber name authentication, customer authentication, and occupancy authentication of the wireless terminal 300 using the customer information and the wireless terminal telephone number, As a result, it is possible to identify and store the telephone number of the wireless terminal whose customer own (or use) has been confirmed in the storage medium. The wireless terminal phone number may not be stored separately if the wireless terminal phone number is included in the customer information or the phone number is not allocated to the wireless terminal 300 separately.

The media authentication processing unit 210 may include a program 315 corresponding to the embodiment shown in FIG. 3 mounted on the customer-owned wireless terminal 300 or may be mounted on the customer-owned wireless terminal 300, When the program 315 corresponding to the combination of the program 315 and the wireless terminal 300 is in operation, the validity of the customer-owned wireless medium corresponding to the combination of the program 315 and the wireless terminal 300 do. The customer-owned wireless medium of the present invention does not refer to the wireless terminal 300 owned only by the customer but to the customer-owned wireless terminal 300 that the program 315 corresponding to the embodiment shown in FIG. Refers to a customer-owned wireless terminal 300 that is driven and driven. Therefore, even if the wireless terminal 300 owned by the customer is a customer-owned wireless medium, the program 315 corresponding to the embodiment shown in FIG. 3 is not mounted or driven. In the following description, the wireless terminal 300 whose wireless medium validity is verified at least once through the media authentication processing unit 210 is referred to as a customer-owned wireless terminal 300. The media authentication processing unit 210 can authenticate the validity of the customer-owned wireless medium at the initial driving time of the program 315 provided in the wireless terminal 300, 315 and the transaction means control system 200 in the course of interlocking (or periodically) validating the validity of the customer owned wireless medium.

According to an embodiment of the present invention, the media authentication processing unit 210 performs a server-side procedure of the media authentication operation unit 325 of the program 315 shown in FIG. 3, (Or running) program 315 or to verify the validity of the wireless terminal 300 with the program 315 (or running), or to verify the validity of the program 315, And the validity of the customer-owned wireless medium corresponding to the combination of the wireless terminal 300 and the wireless terminal 300. Meanwhile, according to the embodiment, the authentication function of the medium authentication processing unit 210 may be provided in a separate authentication server (not shown) associated with a server having the transaction means control system 200. In this case, The authentication processing unit 210 may refer to the authentication result of the authentication procedure performed through the authentication server.

According to an embodiment of the present invention, the medium authentication processing unit 210 may be configured to perform a program authentication procedure according to the first to sixth program authentication methods after the program 315 is driven through the customer-owned wireless terminal 300, And / or a wireless terminal authentication procedure according to the first to fourth wireless terminal authentication methods, and / or a wireless medium authentication procedure according to the first to fourth wireless medium authentication methods, The terminal 300 can confirm the wireless medium authentication information for real-time authentication with the customer-owned wireless medium that switches the inactive transaction means to the active state, and store the wireless medium authentication information in the designated storage medium. Wherein the wireless medium authentication information includes a program authentication procedure according to the first to sixth program authentication methods and / or a wireless terminal authentication procedure according to the first to fourth wireless terminal authentication methods, and / (Or an information set for authenticating authentication information) used in at least one authentication procedure among the wireless media authentication procedures according to the authentication method, And / or a wireless terminal authentication procedure according to the first to fourth wireless terminal authentication methods, and / or a wireless medium authentication procedure according to the first to fourth wireless medium authentication methods. Includes a set of information.

The transaction means control unit 215 controls the transaction means of the customer to keep the inactive state so that the procedure of the financial transaction using the transaction means of the customer is performed (or normal process). When the transaction means control system 200 is provided in the financial server 105, the transaction means control unit 215 can control the financial transaction means of the customer to remain inactive through the ledger of the financial system, When the transaction means control system 200 is provided in the operation server 100 connected to the financial server 105, the transaction means control unit 215 exchanges designated signals (or data) with the financial server 105 So as to maintain the inactive state in the transaction means of the customer name.

According to the embodiment of the present invention, the transaction means control unit 215 can control to keep the inactive state for all the transaction means issued (or opened) to the customer at a specific financial institution based on the customer information. Alternatively, the transaction means control unit 215 may register the transaction means selection information that remains inactive through the customer terminal, and may control the transaction means corresponding to the registered transaction means selection information to remain inactive. Alternatively, the transaction means control unit 215 may control the transaction means (for example, a financial account capable of free deposit and withdrawal, or a financial account capable of non-face-to-face financial transaction) among transaction means issued (or opened) Etc.) can be kept in the inactive state.

According to the first transaction means control method of the present invention, the transaction means control unit 215 can control to always keep the transaction means of the customer in an inactive state.

According to the second transaction means control method of the present invention, the transaction means control unit 215 controls the transaction means such that the transaction means of the customer is maintained in an inactive state by time period, day, day, week, Can be controlled.

According to the third transaction means control method of the present invention, the transaction means control unit 215 confirms a request for inactivity setting for a predetermined period using the customer's own wireless terminal 300, And control the customer's transaction means to remain inactive for the predetermined period of time according to the control method.

According to the embodiment of the present invention, the transaction unit control unit 215 may include an inactive flag in the information related to the transaction unit stored in the financial server 105 (or a ledger, etc.) The control means can control the transmission of a result indicating that the transaction means can not be used at the time of requesting the financial transaction using the inactive transaction means to the financial transaction request side.

The transaction means control unit 215 requests the financial transaction using the transaction means of the customer kept in the inactive state and confirms whether at least part of the transaction procedure for the financial transaction using the transaction means is performed. If the financial transaction using the inactive transaction means is confirmed, the transaction means control unit 215 may process the transaction restriction corresponding to the inactive state of the transaction means of the customer. Here, the transaction restriction includes a process of notifying the customer that the transaction means of the customer to be used in the financial transaction is inactive, or includes at least one of a restriction not to complete the financial transaction, or a restriction to terminate the financial transaction .

Referring to FIG. 2, the transaction means control system 200 may include a pre-or real-time authenticated program 315 of the customer's pre-registered wireless terminal 300 to switch the inactive transaction means into an active state. And a data reading unit (225) for reading the identification data and confirming the activation change request of the customer to the inactive transaction means, wherein the data reading unit (225) Further comprising an identification authentication processing unit (230) for authenticating the validity of the identification authentication information when the identification data includes identification authentication information for performing at least one identification or authentication procedure, and / Authenticating the validity of the program 315 that transmitted the identification data by performing the designated operation at any specified time before, during, or after the reception, It is possible to authenticate the validity of the wireless terminal 300 having the program 315 (or running) or to verify the validity of the customer-owned wireless medium corresponding to the combination of the program 315 and the wireless terminal 300 And a media authentication processing unit 210 for performing authentication.

The media authentication processing unit 210 performs the server-side procedure of the medium authentication operation unit 325 of the program 315 shown in FIG. 3 at any specified time before, during, or after receiving the identification data, The validity of the program 315 on the side of the wireless terminal 300 that has transmitted the identification data is verified by performing the designated operation or the validity of the wireless terminal 300 with the program 315 Or can verify the validity of the customer-owned wireless medium corresponding to the combination of the program 315 and the wireless terminal 300. Meanwhile, according to the embodiment, the authentication function of the medium authentication processing unit 210 may be provided in a separate authentication server (not shown) associated with a server having the transaction means control system 200. In this case, The authentication processing unit 210 may refer to the authentication result of the authentication procedure performed through the authentication server.

The data receiving unit 220 receives the customer's transaction request before the financial transaction request in which the program 315 specified in the customer's registered wireless terminal 300 Confirms the program 315 to be pre-authenticated or real-time authenticated through the media authentication processing unit 210 in a state in which the transaction procedure related information is notified to the program 135 of the wireless terminal 300 by confirming the transaction procedure, Receives the identification data transmitted from the authenticated program 315 through a communication channel connected to the authenticated program 315 of the wireless terminal 300 or transmits the identification data transmitted from the authenticated program 315 to the wireless terminal 300 via the relay path via the specified relay server And receives identification data. Meanwhile, according to the method, information for at least one of the program authentication, the wireless terminal authentication, and the wireless medium authentication may be received and authenticated by being included in the identification data.

According to an embodiment of the present invention, the program 315 of the wireless terminal 300 has a function of performing an operation designated for switching the inactive transaction means to an active state, And data identifying that the customer using the program 315 has performed the designated action induced by performing the specified action of the program 315. [

According to the first data reception embodiment of the present invention, the program 315 may cause a customer to input a specific key button (or a plurality of key button combinations) provided in the wireless terminal 300 by key input, When the terminal 300 is provided with a touch screen, the terminal 300 performs an operation of guiding a specific touch area (or a plurality of touch area combinations) designated on the touch screen to be touched, (Or a plurality of key button combinations), or an input identification value that identifies that the customer has made the derived key input when a specified specific touch area (or a plurality of touch area combinations) is touched, or It is possible to generate and transmit identification data including a touch identification value that identifies that the customer made the guided touch. According to an embodiment of the present invention, the input identification value or the touch identification value may include authentication information for at least one of the program authentication, the wireless terminal authentication, and the wireless medium authentication.

According to the second data receiving embodiment of the present invention, the program 315 performs an operation of guiding a customer to input designated customer identification information (e.g., PIN, etc.) In the case of inputting the designated customer identification information, the identification data including the customer identification information inputted by the customer can be generated and transmitted.

According to the third data receiving embodiment of the present invention, the program 315 performs an operation of guiding the user to input some selected information selected from the customer information registered (or referred to) in the transaction means control system 200, When the customer inputs partial selection information selected from the designated customer information in response to the operation, identification data including partial selection information input by the customer can be generated and transmitted. For example, the program 315 may guide the user to input a partial number of the resident number in the customer information, or to input a partial number of a specific telephone number registered as a contact. On the other hand, some selection information selected from the customer information may be fixed, periodically changed, or arbitrarily selected according to the method of implementation, and thus the present invention is not limited thereto.

According to the fourth data receiving embodiment of the present invention, the program 315 may transmit the identification data generated by combining two or more of the first to third data receiving embodiments, or transmit the first to third data receiving (E.g., if the NFC module 306 is included in the customer-owned wireless terminal 300) in at least one of the embodiments, to induce the NFC module 306 to recognize the NFC card owned by the customer As a result of performing the operation or inducing the Bluetooth smart function to recognize the Bluetooth smart when the local wireless communication unit 308 having the Bluetooth smart function is provided in the customer owned wireless terminal 300, When the sound processing unit 304 capable of inputting sound to the wireless terminal 300 is provided, the sound processing unit 304 may transmit a specific sound signal The result of performing an operation to induce the user to recognize the authentication code), and the like. Here, it is evident that various other operations performed by those skilled in the art can be variously modified or practiced, and that the present invention encompasses all these embodiments.

The data receiving unit 220 receives the program 315 of the wireless terminal 300 through a communication channel connected to the program 315 of the customer-owned wireless terminal 300 according to the first through fourth data receiving embodiments Receive the transmitted identification data, or receive the identification data via a designated relay path.

The data reading unit 225 reads the identification data (or the configuration information (or the configuration value) of the identification data) received through the data receiving unit 220 and transmits the identification information to the customer using the program 315, In the case where it is judged that the specified action has been performed. If the identification data includes data identifying that the customer has performed the designated operation induced by performing the specified operation of the program 315, the data reading unit 225 reads the identification information of the wireless terminal 300 315) from the customer using the inactive transaction means.

In a case where the identification authentication information for performing the identification or authentication procedure specified in the received identification data is included, the identification authentication processing unit 230 verifies the validity of the identification authentication information included in the identification data. Preferably, the identification authentication information may include some selection information selected from the customer identification information or the customer information. According to an embodiment of the present invention, when the NFC module 306 is provided in the customer-owned wireless terminal 300, the identification authentication information may be transmitted to the NFC module 306 or the customer-owned NFC card, or when the customer-owned wireless terminal 300 is equipped with the short-range wireless communication unit 308 having the Bluetooth smart function, When the sound processing unit 304 capable of sound input is provided in the customer-owned wireless terminal 300 as a result of performing the operation of inducing the recognition of smart, the specific sound signal (or the designated data is encoded A result of performing an operation that causes the computer to recognize a sound code), and the like. For example, when the identification data includes some selection information selected from the customer identification information or the customer information, the identification authentication processing unit 230 authenticates whether the customer identification information or some selection information matches the previously registered information .

Meanwhile, before the identification data is received, a program authentication corresponding to the operation of the medium authentication operation unit 325 of the program 315 shown in FIG. 3 through the medium authentication processing unit 210, a wireless terminal authentication, And the authentication result of at least one of the program authentication, the wireless terminal authentication, and the wireless medium authentication by the medium authentication processing unit 210 is valid, the identification data is the program authentication , The wireless terminal authentication, and the wireless medium authentication.

In contrast, when the identification data is received, the program 315 of the wireless terminal 300 that transmitted the identification data is authenticated in real time, or the wireless terminal 300 having the program 315 is authenticated in real time, The wireless terminal 300 and the wireless terminal 300 are connected to the wireless terminal 300. The wireless terminal 300 and the wireless terminal 300 are connected to each other via a network Or receives authentication information for authentication of at least one of the program authentication, the wireless terminal authentication, and the wireless medium authentication together with the identification data, or after receiving the identification data, And authentication information for authentication of at least one of authentication, wireless terminal authentication, and wireless medium authentication. In this case, the media authentication processing unit 210 may use the authentication information to transmit the identification data to the wireless terminal 300 having the program 315 of the wireless terminal 300 or the program 315 that transmitted the identification data 300) or the validity of the customer-owned wireless medium that transmitted the identification data can be authenticated in real time. Meanwhile, according to the embodiment, the authentication function of the medium authentication processing unit 210 may be provided in a separate authentication server (not shown) associated with a server having the transaction means control system 200. In this case, The authentication processing unit 210 may refer to the authentication result of the authentication procedure performed through the authentication server.

Referring to FIG. 2, the transaction means control system 200 includes a state change control unit 235 for controlling the transaction means of the customer to be in an active state based on the customer's activation change request, The switching control unit 235 controls to restore the transaction means of the customer switched to the activated state to the inactive state according to the specified condition.

When the request for activation change of the customer to the inactive transaction means is confirmed through the data reading unit 225, the status change control unit 235 transmits the transaction means of the customer based on the confirmed activation change request And controls to switch to the activated state. For example, the status change control unit 235 may temporarily delete the inactive flag included in the information related to the transaction means stored in the financial server 105 (or the ledger, etc.) Or permitting access to use the transaction means, the transaction procedure using the transaction means at the time of requesting the financial transaction using the activated transaction means is performed without being restricted by the use of the transaction means .

According to the present invention, the transaction means, which is switched to the active state by the state change control unit 235, is restored to the inactive state according to the specified condition without continuously maintaining the active state, Sets and maintains the control condition of the activated state, and restores the transaction means of the customer switched to the activated state to the inactive state by using the control condition. The transaction means restored to the inactive state maintains the inactive state under the control of the transaction means control unit 215.

Referring to FIG. 2 according to an expanded embodiment of the present invention, the transaction means control system 200 may be a dictionary of the pre-registered wireless terminal 300 owned by the customer when switching the transaction means of the customer into the active state, A pre-admission receiving unit 240 for receiving pre-admission information for the transaction means to be switched from the real-time authenticated program 315 to the active state, and an approval information storage unit 245), a financial transaction confirmation unit (250) for confirming a financial transaction using the transaction means of the customer switched to the activated state when the pre-authorization information is stored, A pre-approval authentication unit (255) for controlling the validity of the pre-approved information input through the customer during financial transactions using the means, A transaction procedure, the control unit 260 for controlling to be carried out a procedure in financial transactions using a transaction means for the customer when the authenticated can be further provided.

The program 315 of the wireless terminal 300 may display an interface for registering the pre-approval information for the transaction means to be switched to the active state, and when the pre-approval information is inputted through the interface, Approval information to the transaction means control system (200).

The pre-approval reception unit 240 may transmit the pre-registered wireless signal to the pre-approval reception unit 240 at any time before, during, or after the request for switching the deactivated transaction means to the active state is confirmed through the data reading unit 225, And can receive the preauthorization information transmitted from the pre-authentication or real-time authenticated program 315 of the terminal 300. [ The pre-approval information is information for authenticating that the valid transaction of the transaction means in the inactive state has been approved in advance in advance before the financial transaction is requested by the valid customer of the transaction means, A disposable approval number that can be input via the transaction unit 300, and transaction information (or partial information of transaction information) of a financial transaction to be requested after the transaction unit is switched to the active state.

The approval information storage unit 245 confirms the storage medium to be referred to at the time of financial transaction using the transaction means to be switched to the active state and stores the pre- And performs the pre-approval authentication procedure using the pre-approval information at the time of financial transaction using the transaction means.

When the pre-approval information registered through the customer-owned wireless terminal 300 is stored through the approval information storage unit 245, the financial transaction confirmation unit 250 uses the transaction means of the customer who has been switched to the activated state Control to check financial transactions. If the financial transaction using the transaction means of the customer switched to the activated state is confirmed, the preauthorization authentication unit 255 confirms the preauthorization information inputted through the customer during the financial transaction using the transaction means, The validity of the pre-approval information input during the financial transaction is authenticated through the pre-approval information stored through the information storage unit 245. [ The transaction procedure control unit 260 controls the procedure of the financial transaction using the transaction means of the customer to be performed by the transaction means without limitation when the pre-approval information is authenticated. On the other hand, if the pre-authorization information is not authenticated, the transaction procedure control unit 260 controls the procedure of the financial transaction using the transaction means of the customer to be restricted by the transaction means. Here, the transaction restriction includes a process of notifying the customer that the transaction means of the customer to be used in the financial transaction is inactive, or includes at least one of a restriction not to complete the financial transaction, or a restriction to terminate the financial transaction . That is, if the pre-authorization information is not authenticated, it is preferable that the financial transaction procedure using the transaction means of the customer is not completed or at least some procedures are limited. On the other hand, if the pre-authorization information is not authenticated according to the method, the transaction means turned into the active state can be restored to the inactive state through the state transition control unit 235. [

Referring to FIG. 2 according to an expanded embodiment of the present invention, the transaction means control system 200 may be a dictionary of the pre-registered wireless terminal 300 owned by the customer when converting the transaction means of the customer into the active state, At least one control condition among an activation period, an activation time, and a transaction use count for the transaction means to be switched from the real-time authenticated program 315 to the activation state is received and set, or the control condition is automatically set A financial transaction confirmation unit 250 for confirming a financial transaction using the transaction means of the customer who has been switched to the activated state when the control condition is set; Maintaining the activated state of the transaction means of the customer when the control condition is met, wherein the confirmed financial transaction does not meet the control condition (235) for controlling the transaction means of the customer to be restored to an inactive state when the activation state of the customer is in the active state or the activation state of the transaction means of the customer is compared with the control condition, The state transition control unit 235 for maintaining the active state of the customer's transaction means and controlling the transaction means of the customer to be restored to the inactive state when the activated state does not match the control condition .

The transaction condition setting unit 265 may set the transaction condition setting unit 265 to be in the active state at any time before, during, or after the request for switching the inactive transaction means to the active state is confirmed through the data reading unit 225 The control condition for restoring the means to the inactive state is set.

According to the first condition setting method of the present invention, the program 315 of the wireless terminal 300 may display an interface for setting a control condition for the transaction means to be switched to the active state, And may transmit the set control condition to the transaction means control system 200 when the control condition is set. At any time before, during, or after the request for switching the inactive transaction means to the active state is confirmed through the data reading unit 225, the transaction condition setting unit 265 sets the transaction condition setting unit 265 And may receive control conditions transmitted from a prior or real time authenticated program 315 of the wireless terminal 300. [ The control condition may include at least one of an activation period, an activation time, and a transaction usage count for the transaction means that has been activated.

According to the second condition setting method of the present invention, the transaction condition setting unit 265 has a function of automatically setting at least one of an activation period, an activation time, and a transaction use count for the transaction means that has been switched to the activated state , And can automatically set at least one of an activation period, an activation time, and a transaction use count for restoring the transaction means to be switched to the active state to an inactive state by using the activation period.

According to the third condition setting method of the present invention, the transaction condition setting unit 265 registers (or selects) a certain condition through the customer-owned wireless terminal 300 by combining the first and second condition setting methods And some other conditions can be set automatically.

When the control condition for the transaction means that is switched to the active state is set through the transaction condition setting unit 265, the financial transaction confirmation unit 250 determines whether the financial transaction using the transaction means of the customer, . If the financial transaction using the transaction means of the customer switched to the activated state is confirmed, the state change control unit 235 determines whether the confirmed financial transaction meets the control condition. For example, the status change control unit 235 can determine whether the confirmed financial transaction is requested and executed at the activation period or the activation time, and / or check whether the confirmed financial transaction is below or exceeded the transaction usage count . The state change control unit 235 controls the state phone controller 301 to maintain the activated state of the transaction means of the customer when the confirmed financial transaction meets the control condition, It is possible to control the transaction means of the customer to be restored to the inactive state through the state phone controller 301 when the control condition is not satisfied.

Alternatively, when a control condition is set for the transaction means that is switched to the active state through the transaction condition setting unit 265, the state change control unit 235 compares the activation state of the customer's transaction means with the control condition And determines whether the activation state matches the control condition. The state change control unit 235 controls the state phone controller 301 to maintain the activation state of the transaction means of the customer when the activation state of the transaction means conforms to the control condition, The state control unit 301 can control the transaction means of the customer to be restored to the inactive state when the activation state does not match the control condition.

Referring to FIG. 2 according to an embodiment of the present invention, the transaction means control system 200 may be configured to transmit a financial transaction, which is performed before the transaction means is switched to the active state, A transaction procedure initialization unit 270 for initializing a financial transaction being performed before the transition to the active state, and a transaction processing unit 270 for switching the transaction means of the customer to the active state after the financial transaction is initialized And a state change control unit 235. [

If the request for switching the customer's transaction means to the active state is confirmed through the data reading unit 225, the financial transaction confirmation unit 250 checks the activation state of the customer, To identify the financial transaction for which some procedure is being performed. However, the financial transaction requested before the transaction means is switched to the active state may be a financial transaction requested by the normal customer without requesting the activation of the transaction means in advance, or a third party (such as a hacker) The financial transaction may be requested. Therefore, the transaction procedure initialization unit 270 initializes the financial transaction being performed before the transaction means is switched to the active state, so that the financial transaction that is being performed and the financial transaction after the transaction means is switched to the active state , And at the same time, illegal access by a third party (a hacker, etc.) can be fundamentally blocked. If the financial transaction that was being performed by the transaction procedure initialization unit 270 before the transition to the active state is initialized, the state transition control unit 235 switches the transaction means of the customer to the active state do.

Referring to FIG. 2, the trading means control system 200 may include a dictionary or a real-time (not shown) of the pre-registered wireless terminal 300 owned by the customer in order to forcibly restore the transaction means of the customer, A data receiving unit 220 for receiving the identification data transmitted through the authorized program 315 and a data reading unit 225 for reading the identification data and confirming the inactivation restoration request of the customer to the activated transaction means And a state change control unit 235 for controlling the transaction means of the customer to be restored to an inactive state based on the inactivity restoration request of the customer, A procedure initialization unit 270 may be further included.

According to the method of the present invention, the transaction means of the customer switched to the active state is automatically restored to the inactive state according to the control condition set (or automatically set) by the customer without separately restoring the inactive state. However, in order to forcibly deactivate the customer's remorse or suspected transaction means who have activated their transaction means, the transaction means of the customer who has been turned into the state of being tormented must be forcibly restored to the inactive state. To this end, the program 315 of the wireless terminal 300 generates and transmits identification data for forcibly restoring the transaction means of the customer switched to the active state to the inactive state, and the data receiving unit 220 transmits And the data reading unit 225 reads the identification data and forcibly sets the customer to the inactive state for the transaction means of the customer who has been switched to the activated state Ensure that you are asked to restore.

When the customer requests to restore the activated transaction mode to the inactive state, the state change control unit 235 controls the transaction mode of the customer to be restored to the inactive state based on the inactive restore request of the customer do.

On the other hand, the transaction procedure initialization unit 270 determines whether or not the transaction is initiated at the time when the customer requests to restore the transaction means for which the customer has been activated to the inactive state (or a predetermined time before the inactive restoration request time point) Confirm that the transaction procedure of the transaction is being performed (or has been performed).

If there is a financial transaction that is performing a transaction procedure using the transaction means of the customer at the time of request of the customer's inactive restoration, the transaction procedure initialization unit 270 restricts the corresponding financial transaction (for example, Or notifying the contents of the financial transaction), or by initializing the financial transaction, the invalidity restoration request of the customer is immediately reflected and the fraudulent transaction by a third party (a hacker, etc.) can be fundamentally blocked. The transaction procedure initialization unit 270 transmits the transaction information of the financial transaction corresponding to the performed transaction procedure to the wireless terminal 200. In this case, (Hacker, etc.) by causing the financial transaction to be initiated after approval by the customer after transferring the program to the program (315) of the financial institution (300), before the actual damage caused by the fraudulent transaction by the third party (hacker, etc.) occurs.

Referring to FIG. 2 according to an expanded embodiment of the present invention, the trading means control system 200 limits a transaction procedure of a financial transaction using a transaction means of a customer maintaining an inactive state, A transaction procedure control unit 260 for transmitting information on a transaction procedure performed using the inactive transaction unit to the program 315 of the customer-owned wireless terminal 300, A data receiving unit (220) for receiving identification data transmitted from a pre-registered or real-time authenticated program (315) of the pre-registered wireless terminal (300) owned by the customer, A data read unit 225 for confirming the request to activate the customer or the inactivity maintenance request of the customer or the transaction procedure initialization request of the customer The rain. Meanwhile, the transaction means control system 200 includes a state change control unit 235 for controlling the transaction means of the customer to be activated when the request for activation change of the customer is confirmed in response to the transaction procedure notification, And a transaction procedure initialization unit (270) for initializing a financial transaction being performed before switching to the active state. Or the transaction means control system (200) is configured to execute a transaction that initializes a financial transaction corresponding to the transaction procedure notification when the inactivity maintenance request of the customer or the request for initializing the transaction procedure of the customer is confirmed in response to the transaction procedure notification And may further include a procedure initialization unit 270 to maintain the transaction means of the customer in an inactive state.

FIG. 3 is a diagram showing a functional configuration of a wireless terminal 300 and a program 315 according to an embodiment of the present invention.

More specifically, FIG. 3 shows a program that operates with a customer-owned wireless medium for requesting the customer's transaction means to remain in the inactive state to switch to the active state, or forcibly restoring the transaction means of the customer who has been switched into the inactive state 315 and the wireless terminal 300. Those skilled in the art will be able to refer to and / or modify the FIG. 3 to understand various functions of the wireless terminal 300 It should be understood that the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. 3 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

3, the wireless terminal 300 includes a control unit 301, a memory unit 312, a screen output unit 302, a user input unit 303, a sound processing unit 304, a camera unit 305, A NFC module 306, a short range wireless communication unit 308, a wireless network communication unit 309, a positioning unit 311, a USIM reader unit 310 and a USIM, and a battery 307 for power supply .

The control unit 301 is a general term for controlling the operation of the wireless terminal 300. The control unit 301 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 301 loads at least one program code included in the wireless terminal 300 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 300. FIG. Hereinafter, the configuration of the program 315 of the present invention, which is implemented in the form of program code for the sake of convenience, will be described in the control unit 301. FIG. Hereinafter, the program 315 of the present invention is reduced to be referred to as 'application' for convenience.

The memory unit 312 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 300 and includes at least one program code executed through the control unit 301 and at least one Save and maintain the dataset. The memory unit 312 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 300, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 300, The program code and data set corresponding to the program 315 of the present invention are also stored in the memory unit 312. In addition,

The screen output unit 302 includes a screen output unit such as a liquid crystal display (LCD) and a driving module for driving the screen output unit 302. The screen output unit 302 is connected to the control unit 301, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 303 is composed of one or more user input devices (e.g., a button, a keypad, a touch pad, a touch screen interlocked with the screen output unit 302) and a drive module for driving the same. A command for interrupting various operations of the control unit 301 or data necessary for the operation of the control unit 301 is input.

The sound processing unit 304 includes a speaker, a microphone, and a driving module for driving the speaker. The sound processing unit 304 decodes sound data corresponding to the sound output from the various calculation results of the control unit 301 and outputs the sound data through the speaker Or a sound signal input through the microphone, and transmits the encoded sound signal to the controller 301. [

The camera unit 305 is composed of an optical unit corresponding to a camera, a CCD (Charge Coupled Device) and a drive module for driving the CCD unit, and acquires image data or image data in bitmap form input to the CCD through the optical unit . The data obtained through the camera unit 305 may include still image data or moving image data.

The NFC module 306 may be a communication resource for processing one or more proximity wireless communications, such as bi-directional proximity wireless communication, full-duplex proximity wireless communication, and half-duplex proximity wireless communication, using a radio frequency signal as a communication medium at a close distance (e.g., , And is capable of processing proximity wireless communication according to the NFC (Near Field Communication) standard of the 13.56-MHz frequency band. Alternatively, the NFC module 306 may process the proximity wireless communication of the ISO 18000 series standard, in which case it may process the proximity wireless communication for a frequency band other than the 13.56 Mz frequency band. For example, the NFC module 306 may operate in a reader mode, a tag mode, or a bidirectional communication mode. Meanwhile, the NFC module 306 may be included in a communication resource for connecting the wireless terminal 300 to a communication network according to an object to be communicated.

The wireless network communication unit 309 and the short-range wireless communication unit 308 are collectively referred to as communication resources for connecting the wireless terminal 300 to a designated communication network. Preferably, the wireless terminal 300 may include a wireless network communication unit 309 as a basic communication resource, and may include one or more short-range wireless communication units 308.

The wireless network communication unit 309 collectively refers to a communication resource for connecting the wireless terminal 300 to a wireless communication network via a base station. The wireless network communication unit 309 includes an antenna, an RF module, a baseband module, And transmits the calculation result corresponding to the wireless communication among the various calculation results of the controller 301 to the controller 301 through the wireless communication network or receives data through the wireless communication network To the control unit 301, and performs connection, registration, communication, and hand-off procedures of the wireless communication. According to the present invention, the wireless network communication unit 309 can connect the wireless terminal 300 to a communication network including a communication channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 309 is a mobile communication unit that performs at least one connection, a location registration, a call processing, a call connection, a data communication, and a handoff to a mobile communication network according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, the wireless network communication unit 309 according to the intention of the person skilled in the art may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 309. [ That is, the wireless network communication unit 309 is a general term for a configuration unit that accesses a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range wireless communication unit 308 is a generic name of communication resources connecting a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connecting the wireless terminal 300 to the communication network based on the communication session , The wireless terminal 300 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the embodiment of the present invention, the short-range wireless communication unit 308 may be integrated with or separated from the wireless network communication unit 309. According to the present invention, the short-distance wireless communication unit 308 connects the wireless terminal 300 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader 310 includes a universal subscriber identity module (Universal Subscriber Identity Module) that is mounted or detached from the wireless terminal 300 based on the ISO / IEC 7816 standard, and a generic name of a configuration for exchanging at least one data set , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 310, (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the wireless terminal 300, or extracting (or processing) the data set in association with the input / output interface To the input / output interface.

The position determination unit 311 is a collective term of positioning resources for positioning the position of the wireless terminal 300. The position measurement unit 311 is preferably a positioning system using GPS (Global Positioning System), a network system positioning using network resources, And a hybrid method in which the wireless terminal 300 is mixed with a network system. The terminal mode positioning is a technique for precisely positioning the position of the wireless terminal 300 through a GPS module (or a module including a GPS function) built in the wireless terminal 300, (Assisted-GPS) method in which the base station 300 reads and informs a base station, a DGPS (Differential GPS) method that receives a correction signal from a reference receiver on the ground and corrects an error of a position signal received from the satellite, and the like have. The network-based positioning is a positioning technique using network resources that can be interlocked with the wireless terminal 300. The network-based positioning is a cell ID scheme that grasps the location of the wireless terminal 300 through the service cell ID of the base station, An AOA (Angle-Of-Arrival) scheme using differences in signal receiving angles between three base stations receiving a signal of a terminal, and an enhanced cell ID scheme in which accuracy is improved by adding distance information of a base station and two adjacent base stations A TOA (Time of Arrival) method using a difference in signal arrival time of a base station, and a Time Difference Of Arrival (TDOA) method of measuring a signal delay of adjacent base stations based on a base station signal. Enhanced Observed Time Difference (E-OTD), which measures the difference in the time that a radio wave is transmitted from a base station to a mobile station, When the position of the wireless terminal 300 is located in a network or hybrid manner, the position of the wireless terminal 300 is positioned through a separate positioning server, After positioning the wireless terminal 300 through the positioning server in cooperation with the network communication unit 309 or the short-range wireless communication unit 308, the positioning of the wireless terminal 300 from the positioning server Results can be provided.

The program 315 of the present invention is downloaded from a program providing server (for example, an Apple AppStore or the like) through a data network to which the communication resource can be connected and is stored in the memory unit 312. The downloaded program 315 operates in conjunction with the transaction means control system 200 and can be manually driven by a user or activated (or activated) after user confirmation or automatically by receiving a message. Meanwhile, a separate program 315 may be in operation for activating the program 315 after user confirmation or automatically, and thus the present invention is not limited thereto.

Referring to FIG. 3, the program 315 of the wireless terminal 300 may include at least one of customer information, customer identification information, and wireless terminal information to the transaction means control system 200 through a data network to which the communication resource is connectable (300) that is operating the program (315) through at least one communication network connectable through a communication resource, and a step of performing a process of authenticating a medium corresponding to the wireless terminal And a medium authentication operation unit 325. [

The program 315 includes communication connection macro information to be connected to the transaction means control system 200 via a data network connectable through the communication resource, And outputs the interface for inputting at least one of the customer information, the customer identification information, and the wireless terminal information, which is designated as a registration target, through the interface 302 to the transaction means control system 200 through the interface And transmits the information.

The medium authentication operation unit 325 is connected to the transaction means control system 200 via at least one communication network among the data network and the communication network to which the communication resource is connectable, ) Program 315 and a combination of the wireless terminal 300 having the program 315 (or being in a running state). According to the embodiment of the present invention, the process of authenticating the validity of the program 315 is carried out by an arm / decryption communication process previously agreed between the program 315 and the transaction means control system 200, A detailed description of the decoding process will be omitted.

According to an embodiment of the present invention, the customer-owned wireless medium authentication includes a program authentication procedure for identifying and / or authenticating a program 315 provided to (or running in) the wireless terminal 300, And a wireless terminal authentication process for identifying and / or authenticating the wireless terminal 300 having the wireless terminal 300 and the wireless terminal 300. The wireless terminal 300 and the program Lt; RTI ID = 0.0 > 315) < / RTI > The program authentication procedure, the wireless terminal authentication procedure, and the wireless medium authentication procedure may be performed according to a specified order, or may be collectively performed as one authentication procedure, and some authentication procedures may be omitted according to the method of operation. The present invention is not limited thereto.

According to the first program authentication method of the present invention, the program 315 may be downloaded through a designated program providing server in a state where a unique app identification value is set. In this case, the media authentication operation unit 325 By transmitting the authentication information including the app identification value set in the program 315 to the transaction means control system 200 for identification and / or authentication of the program 315, So that the validity of the program 315 provided in the wireless terminal 300 (or being driven) can be authenticated. The transaction means control system 200 has the app identification value (or the information for authenticating the app identification value), and authenticates the validity of the app identification value using the app identification value, (Or running) program 315. In this way, The validity authentication of the app identification value may be a customer owned wireless media authentication procedure or a program authentication procedure for customer owned wireless media authentication.

According to the second program authentication method of the present invention, the program 315 is downloaded through a designated program providing server, and then, according to a designated procedure, an app identification value (e.g., (E.g., a device token assigned by APNS of Apple Inc.), in which case the media authentication operating portion 325 may be assigned to the program 315 for identification and / or authentication of the program 315 And transmits the authentication information including the app identification value to the transaction means control system 200 so that the transaction means control system 200 allows the transaction means control system 200 to execute the program 315 The validity can be processed to be authenticated. The transaction means control system 200 includes an app identification value (or information for authenticating an app identification value) allocated to the program 315 according to a designated procedure, It is possible to authenticate the validity of the program (315) provided in (or running) the wireless terminal (300). The validity authentication of the app identification value may be a customer owned wireless media authentication procedure or a program authentication procedure for customer owned wireless media authentication.

According to the third program authentication method of the present invention, the program 315 includes at least one of a key value and at least one of a key exchange protocol and / or an encryption / decryption rule, May be downloaded through a designated program providing server in a state in which the authentication module including the authentication module is installed. Alternatively, the program 315 may include an authentication module including program code for performing a specified authentication procedure, and at least one key value and a key exchange protocol and / or encryption / decryption rule necessary for the authentication procedure are set and / The procedure can be downloaded through the designated program providing server with the defined certificate mounted. According to the method, the certificate can be downloaded through the data network according to a specified procedure. In this case, the media authentication operation unit 325 transmits authentication information for exchanging at least one key value with the transaction means control system 200 according to a specified authentication procedure using the authentication module and / or the certificate The transaction means control system 200 can process the program 315 so that the validity of the program 315 provided in the wireless terminal 300 (or running) is authenticated. The transaction means control system 200 includes a server side authentication module and / or a certificate corresponding to the program 315 side authentication module and / or the certificate, and uses the program 315 and the specified authentication procedure The validity of the program 315 provided to (or running on) the wireless terminal 300 can be authenticated by exchanging at least one key value. The key exchange may be a customer-owned wireless media authentication procedure or a program authentication procedure for customer-owned wireless media authentication.

According to the fourth program authentication method of the present invention, when the authentication number transmitted from the transaction means control system 200 is received through the message exchange protocol of the communication network, the wireless terminal 300 is connected to the communication network, And transmits the authentication information including the received authentication number to the transaction means control system 200 through the data network to transmit the authentication information including the received authentication number to the transaction means control system 200, (Or running) program 315 to be authenticated. The transaction means control system 200 has a function of generating or authenticating the authentication number or referring to an authentication result of an authentication number processed at least through a specified authentication server, thereby confirming the authentication result of the authentication number Thereby validating the validity of the program 315 provided to (or being driven to) the wireless terminal 300. The key exchange may be a customer-owned wireless media authentication procedure or a program authentication procedure for customer-owned wireless media authentication.

According to the fifth program authentication method of the present invention, the program 315 may include a code generation rule (for example, a code generation algorithm and a seed). In this case, the medium authentication operation unit 325 may generate the code And transmits the authentication information including the dynamically generated one-time code to the transaction means control system 200 so that the transaction means control system 200 allows the transaction means control system 200 to transmit the one- It is possible to process the validity of the program 315 provided in the terminal 300 (or being driven) to be authenticated. The transaction means control system 200 has a code generation rule matching with the code generation rule of the program 315 and authenticates the validity of the disposable code using the code generation rule, Or running) program 315. In this way, The validation of the disposable code may be a customer-owned wireless media authentication procedure or a program authentication procedure for customer-owned wireless media authentication.

According to the sixth program authentication method of the present invention, the medium authentication operation unit 325 can access the transaction means control system 200 through an authentication method that selectively combines at least one of the first to fifth program authentication methods So that the validity of the program 315 provided in the wireless terminal 300 (or running) can be authenticated, and the present invention encompasses all such program authentication procedures as a scope of right.

According to the method of the present invention, the media authentication operation unit 325 may be stored in the memory unit 312 while performing a program authentication procedure according to at least one of the first to sixth program authentication methods A terminal identification value uniquely provided in at least one of the device configuration units of the wireless terminal 300 and a terminal identification value provided in the USIM and / (Or assigned) via the communication network connected through the short-range wireless communication unit 308 and / or the wireless network communication unit 309, and transmits the allocation information including the terminal identification value and / By transmitting the authentication information to the transaction means control system 200, the information registration procedure for the wireless terminal authentication can be performed.

According to the first wireless terminal authentication method of the present invention, the medium authentication operation unit 325 may be configured to perform, at any time point before, during, or after performing at least one of the first to fifth program authentication methods, At least one of the terminal identification value stored in the memory unit 312, the terminal identification value uniquely provided in at least one of the device configuration units of the wireless terminal 300, and the terminal identification value provided in the USIM, By transmitting authentication information including the identified terminal identification value to the transaction means control system (200) for identification and / or authentication of the wireless terminal (300) 200 to allow the validity of the wireless terminal 300 in which the program 315 is provided (or running) to be authenticated. The transaction means control system 200 may include the terminal identification value (or the information for authenticating the terminal identification value) or may interwork with an authentication server (e.g., a communication company server) that authenticates the terminal identification value, The validity of the wireless terminal 300 having the program 315 (or running) by authenticating the validity of the terminal identification value or verifying the authentication result of the terminal identification value performed through the authentication server is authenticated . The validity authentication of the terminal identification value may be a customer-owned wireless medium authentication procedure or a wireless terminal authentication procedure for customer-owned wireless medium authentication.

According to the second wireless terminal authentication method of the present invention, the medium authentication operation unit 325 may be configured to perform, at any time point before, during, or after performing at least one of the first to fifth program authentication methods, (Or assigned) through the communication network connected through the short-range wireless communication unit 308 and / or the wireless network communication unit 309 and transmits the identification information to the wireless terminal 300 for identification and / And transmits the authentication information including the identified network allocation value to the transaction means control system 200 so that the transaction means control system 200 allows the transaction device control system 200 to transmit the authentication information including the program 315 to the wireless terminal 300 ) Can be processed so as to be authenticated. The transaction means control system 200 may include the network allocation value (or the information for authenticating the network allocation value) or may interwork with an authentication server (e.g., a communication company server) that authenticates the network allocation value, The validity of the wireless terminal 300 in which the program 315 is provided (or running) by authenticating the validity of the network allocation value or the authentication result of the network allocation value performed through the authentication server . The validity authentication of the network allocation value may be a customer-owned wireless media authentication procedure or a wireless terminal authentication procedure for customer-owned wireless media authentication.

According to the third wireless terminal authentication method of the present invention, the program 315 may include a code generation algorithm, and the medium authentication operation unit 325 may generate the terminal identification value and / Algorithm to the transaction means control system 200 by dynamically generating the one-time code using at least one of the seeds to be applied to the algorithm and sending the authentication information including the dynamically generated one-time code to the transaction means control system 200 So that the validity of the wireless terminal 300 in which the program 315 is provided (or running) is authenticated. The transaction means control system 200 includes a code generation algorithm and a terminal identification value and / or a network allocation value to be used as a seed. By authenticating the validity of the disposable code using the terminal identification value and / or the network allocation value, The mobile terminal 300 can authenticate the validity of the wireless terminal 300 that is connected (or running). The validity authentication of the disposable code may be a customer owned wireless media authentication procedure or a wireless terminal authentication procedure for customer owned wireless media authentication.

According to the fourth wireless terminal authentication method of the present invention, the media authentication operation unit 325 may be configured to perform the authentication of the transaction means control system 200 (200) through an authentication method that selectively combines at least one of the first through third wireless terminal authentication methods To process the program 315 so that the validity of the wireless terminal 300 having the program 315 (or running) is authenticated, and the present invention encompasses all such wireless terminal authentication procedures as a scope of right.

According to the first wireless medium authentication method of the present invention, the medium authentication operation unit 325 can perform at least one of the first to fifth program authentication methods, and / or the first to fourth wireless terminal authentication methods May be used as a wireless medium authentication method for authenticating the customer-owned wireless medium.

According to the second wireless medium authentication method of the present invention, the medium authentication operation unit 325 may be configured to perform at least one of the first to fifth program authentication methods, and / or the first to fourth wireless terminal authentication methods (Or code) used in at least one of the authentication methods according to the specified processing rule agreed with the transaction means control system 200 to generate a medium identification value, (Or operating) program 315 provided to the mobile terminal 300 by transmitting the authentication information including the identified medium identification value to the transaction means control system 200, And the validity of the customer-owned wireless medium corresponding to the combination of the wireless terminal 300 with the program 315 (or in the running state) can be authenticated. The processing rule may include various rules such as an encryption / decryption rule and / or a hash rule. The program 315 and the transaction means control system 200 have previously agreed upon the program 315, Any rule may be acceptable. The transaction means control system 200 has a processing rule matching with the processing rule on the program 315, and by validating the validity of the medium identification value using the processing rule, the validity of the customer-owned wireless medium is authenticated .

According to the third wireless medium authentication method of the present invention, the program 315 may include a code generation algorithm, and the medium authentication operation unit 325 may include at least one of the first to fifth program authentication methods (Or code) used in at least one of the authentication methods of the first to fourth wireless terminal authentication methods is used as one of the seeds of the code generation algorithm to dynamically generate the one- And transmits the authentication information including the generated one-time code to the transaction means control system 200 for wireless medium authentication so that the transaction means control system 200 allows the transaction means control system 200 to transmit And the validity of the customer-owned wireless medium corresponding to the combination of the program 315 and the wireless terminal 300 having the program 315 It can be processed to be authenticated. The transaction means control system 200 includes a code generation algorithm, and includes at least one of the first to fifth program authentication methods, and / or at least one of the first to fourth wireless terminal authentication methods (Or code) used in the wireless medium, and the validity of the customer-owned wireless medium can be authenticated by authenticating the validity of the disposable code.

According to the fourth wireless medium authentication method of the present invention, the medium authentication operation unit 325 may be configured to transmit the authentication information to the transaction means control system 200 (200) through an authentication method that selectively combines at least one of the first, ) To allow the validity of the customer-owned wireless medium to be authenticated, and the present invention encompasses all such wireless media authentication procedures as a scope of right.

Referring to FIG. 3, the program 315 of the wireless terminal 300 includes an interface display unit 330 for displaying an interface for instructing a user to perform a designated action to switch an inactive transaction means to an active state, An input processing unit 335 for processing an input corresponding to the derived action using the interface, and a data generating unit 335 for generating identification data for switching the inactive transaction means to the active state corresponding to the input processing, And a data transmission unit 345 for transmitting the generated identification data to the transaction means control system 200. In FIG. 3, it is preferable that the user is a customer corresponding to the inactive transaction means.

According to the first embodiment of the present invention, the interface display unit 330 may allow a customer to input a specific key button (or a plurality of key button combinations) provided in the wireless terminal 300, When the terminal 300 is provided with a touch screen, an interface for guiding a specific touch area (or a plurality of touch area combinations) designated on the touch screen to be touched can be displayed.

When the interface for guiding the key input of the specific key button (or a plurality of key button combinations) is displayed according to the first operation example, the input processing unit 335 transmits the key input through the key button provided in the wireless terminal 300 The data generator 340 receives the specific key button (or a plurality of key button combinations), and the data generator 340 generates identification data including an input identification value for identifying the input of the specific key button .

Alternatively, if an interface for guiding a specific touch area (or a plurality of touch area combinations) designated according to the first operation example to be touched is displayed, the input processing unit 335 controls the touch screen (Or a plurality of touch area combinations) through the input unit 340 and the data generation unit 340 receives a touch identification value for identifying the touch of the specified specific touch area (or a plurality of touch area combinations) And generates identification data including the identification data.

According to the second exemplary embodiment of the present invention, the interface display unit 330 may display an interface for inducing a customer to input designated customer identification information (e.g., PIN, etc.).

If the interface for guiding the user to input the customer identification information is displayed according to the second operation example, the input processing unit 335 receives the customer identification information, and the data generation unit 340 generates the customer identification information ≪ / RTI >

According to the third exemplary embodiment of the present invention, the interface display unit 330 may include an interface for guiding a customer to input some selected information selected from customer information registered (or referred to) in the transaction means control system 200 Can be displayed.

If an interface for guiding the user to input selected partial selection information is displayed according to the third operation example, the input processing unit 335 receives some selection information derived to be input through the interface, The unit 340 generates the selected partial selection information. Meanwhile, when the selection information is selected arbitrarily (or dynamically) from the customer information, the input processing unit 335 inputs the selection information to the transaction means control system 200 and the number of days An index (e.g., an index for identifying a part of information selected from the customer information) for selection information may be exchanged. Alternatively, when the selection information is arbitrarily (or dynamically) selected from the customer information, the data generation unit 340 may include an index for identifying the selected selection information in the identification information. Even if the partial selection information is arbitrarily selected, the data generation unit 340 may not include the index in the identification data if the index of the day-number selection information is exchanged with the transaction means control system 200 .

According to the fourth operation example of the present invention, at least two of the first to third operation examples may be combined to display an interface, or at least one of the first to third operation embodiments may perform another different operation (E.g., an interface that induces the NFC module 306 to recognize the NFC card owned by the customer if the NFC module 306 is provided in the customer-owned wireless terminal 300) An interface for inducing the Bluetooth smart function to recognize the Bluetooth smart when the short range wireless communication unit 308 having the Bluetooth smart function is provided, a sound processing unit 304 for inputting sound to the wireless terminal 300 owned by the customer An interface for guiding the recognition of a specific sound signal (or a sound code in which the designated data is encoded) through the sound processing unit 304 ) Can be displayed.

If the interface is displayed by a combination of two or more of the first to third operation examples, the input processing unit 335 may be configured to input two or more And the data generating unit 340 may generate identification data including the two or more pieces of input information.

Meanwhile, when the interface for inducing another operation is displayed according to the fourth operation example, the input processing unit 335 recognizes or inputs the information to be input through the interface, and the data generating unit 340 Recognizes the information input by at least one of the first to third operation examples and the information recognized or inputted as a result of performing the other operation (e.g., recognition information confirmed by recognizing the NFC card, Bluetooth smart The identification information including the recognized recognition information and the recognized recognition information by recognizing the sound signal (or the sound code).

The data transferring unit 345 may transmit the generated identification data to the transaction means control system 200 to request the transaction means of the customer maintaining the inactive state to be switched to the active state. Preferably, the identification data is securely transmitted according to the encryption / decryption procedure between the program 315 and the transaction means control system 200. [

According to the method of the present invention, at any specified time before, during, after, and after processing of the input specified through the input processing unit 335, the media authentication operation unit 325 performs real- The authentication information for at least one of real-time authentication of the wireless terminal 300 and real-time authentication of the wireless medium. Preferably, the authentication information may be included in the identification data and transmitted to the transaction means control system 200 to be authenticated in real time. Alternatively, the authentication information may be transmitted to the transaction means control system 200 through the medium authentication operation unit 325 before or after the identification data is transmitted, and may be authenticated in real time. At least one of the program authentication, the wireless terminal authentication, and the wireless medium authentication is performed through the media authentication operation unit 325 before the identification data is transmitted, and at the time of transmitting the identification data, If the authentication result is valid, authentication information may not be transmitted at the time when the identification data is transmitted.

Referring to FIG. 3, the program 315 of the wireless terminal 300 includes an interface display unit 330 for displaying an interface for inputting pre-approval information for the transaction means to be switched from an inactive state to an active state, An input processing unit 335 for inputting the pre-approval information by using the pre-approval information, and a pre-approval transfer unit 350 for transferring the inputted pre-approval information to the transaction means control system 200.

According to the embodiment of the present invention, in order to maintain the safety of the financial transaction using the transaction means changed to the active state by the identification data, the interface display unit 330 is switched from the inactive state to the active state An interface for inputting pre-approval information for the transaction means can be displayed. The interface for inputting the pre-approval information may be displayed together (or interlocked) with the interface for generating the identification data, or may be displayed as a separate optional interface.

When the interface for inputting the pre-approval information is displayed, the input processor 335 inputs the pre-approval information using the interface. The pre-approval information is information for authenticating that the valid transaction of the transaction means in the inactive state has been approved in advance in advance before the financial transaction is requested by the valid customer of the transaction means, A disposable approval number that can be input via the transaction unit 300, and transaction information (or partial information of transaction information) of a financial transaction to be requested after the transaction unit is switched to the active state.

When the pre-approval information is inputted through the input processing unit 335, the pre-approval transfer unit 350 transmits the inputted pre-approval information to the transaction means control system 200, and the transaction means control system 200 (For example, customer information, customer identification information, or transaction means-related information) specified in a storage medium designated to use the pre-approved information in a financial transaction using the transaction means changed to the activated state by the identification data, And stores it.

Referring to FIG. 3, the program 315 of the wireless terminal 300 includes an interface (not shown) for setting at least one control condition of an activation period, an activation time, An input processing unit 335 for inputting at least one control condition of an activation period, an activation time, and a transaction use count for a transaction means which is switched to an active state by using the interface, And a control condition transmission unit 355 for transmitting the input control condition to the transaction means control system 200.

According to the method of the present invention, the control condition for the transaction means that is switched from the state to the active state can be set automatically by the transaction means control system 200, or can be set by the customer. When the customer sets up the control condition (or a part of the control conditions), the interface display unit 330 displays at least one of the activation period, the activation period, and the transaction usage count for the transaction means, An interface for setting one control condition is displayed. The interface for setting the control condition may be displayed together (or interlocked) with the interface for generating the identification data, or may be displayed as a separate optional interface.

If the interface for setting the control condition is displayed, the input processing unit 335 may select at least one of the activation period, the activation time, and the transaction usage count for the transaction means, The control condition is input processed.

When the control condition is inputted through the input processing unit 335, the control condition transmitting unit 355 transmits the input control condition to the transaction means control system 200, and the transaction means control system 200 (For example, customer information, customer identification information, or transaction means-related information) specified in a storage medium designated to apply the control condition to a financial transaction using the transaction means changed to the activated state by the identification data .

Referring to FIG. 3, the program 315 of the wireless terminal 300 includes an interface (not shown) for displaying an interface for inducing a user to perform a designated action in order to forcefully restore the transaction means A display unit 330, an input processing unit 335 for processing an input corresponding to the derived operation using the interface, and identification data for restoring the active means in response to the input processing, And a data transfer unit 345 for transferring the generated identification data to the transaction means control system 200. [

According to the method of the present invention, the transaction means of the customer switched to the active state is automatically restored to the inactive state according to the control condition set (or automatically set) by the customer without separately restoring the inactive state. However, in order to forcibly deactivate the customer's remorse or suspected transaction means who have activated their transaction means, the transaction means of the customer who has been turned into the state of being tormented must be forcibly restored to the inactive state. To this end, the interface display unit 330 displays an interface for guiding a user to perform a designated action for forcibly restoring the transaction means of the customer who has been activated to the inactive state. Preferably, the interface display unit 330 may display an interface for forcibly restoring the transaction means of the customer who has been switched to the active state by using one of the first to fourth operational embodiments.

The input processing unit 335 processes an input corresponding to an operation for forcibly restoring the transaction means of the customer switched to the active state using the displayed interface to the inactive state, And generates identification data for forcibly restoring the activated means in the inactive state in response to the input processing. The data transmission unit 345 transmits the generated identification data to the transaction means control system 200 for forcibly restoring the inactive transaction means to the inactive state.

FIG. 4 is a diagram illustrating a customer-owned wireless medium authentication process according to an embodiment of the present invention.

4 shows the program 315 in cooperation with the transaction means control system 200 when the program 315 of FIG. 3 is loaded and driven in the customer-owned wireless terminal 300, A wireless medium authentication method, and a wireless medium authentication procedure to request the wireless terminal (300), on which the program (315) is mounted, to request the customer's transaction means The wireless medium authentication method according to the present invention can be applied to various methods of the wireless medium authentication process of the customer It is to be understood that the invention may be practiced otherwise than as specifically described herein, Only an exemplary way shown in the Figure 4 shall not be limited to that technical feature.

Referring to FIG. 4, when the program 315 of FIG. 3 is loaded on the customer-owned wireless terminal 300, the program 315 of the wireless terminal 300 transmits a communication channel to the transaction- (400). The program 315 of the wireless terminal 300 may perform the program authentication procedure according to the first to sixth program authentication methods in cooperation with the transaction means control system 200 to which the communication channel is connected and / The wireless terminal authentication method according to the fourth to fourth wireless terminal authentication methods, and / or the wireless media authentication methods according to the first to fourth wireless medium authentication methods, (405) with the customer-owned wireless medium that can request the customer's transaction means to switch to the active state. If the wireless terminal 300 equipped with the program 315 is authenticated by the wireless medium owned by the customer, the transaction means control system 200 performs the program authentication procedure according to the first to sixth program authentication methods and / Or the wireless terminal authentication procedure according to the first to fourth wireless terminal authentication methods, and / or the wireless medium authentication information for performing one or more authentication procedures in real time among other wireless medium authentication procedures for the first to fourth wireless medium authentication methods (410). ≪ / RTI >

Thereafter, in the various processes in which the transaction means of the customer is switched to the active state through the program 315 of the customer-owned wireless terminal 300 or the customer's transaction means is forcibly restored to the inactive state, Using real-time customer owned wireless media authentication can be performed. In the flowcharts shown below, the process of real-time processing of the customer-owned wireless media authentication will be described for the sake of simplicity, but it is clear that the real-time authentication of the wireless medium owned by the customer is included according to the implementation method.

FIG. 5 is a diagram illustrating a process of keeping a customer's transaction means inactive according to an embodiment of the present invention.

FIG. 5 is a flowchart illustrating an example of a transaction process performed by the transaction means control system 200 according to an embodiment of the present invention. Referring to FIG. 5, when the transaction means control system 200 keeps the customer's transaction means inactive and identifies a financial transaction using the inactive transaction means, It will be understood by those skilled in the art that reference is made to and / or modified by reference to FIG. 5 to illustrate various implementations of the process of maintaining the inactive state of the transaction means The present invention is not limited to the above embodiments, but may be applied to other embodiments of the present invention. For example, Or more.

Referring to FIG. 5, the transaction means control system 200 registers and stores information for keeping the customer's transaction means inactive. Preferably, the transaction means control system 200 is adapted to control the customer's customer information corresponding to the transaction means for maintaining the inactive state, the customer identification information for the customer corresponding to the transaction means for maintaining the inactive state, At least one of customer-owned wireless terminal information may be registered and stored in a designated storage medium. Also, the transaction means control system 200 may be configured to transmit the wireless terminal 300 having the program 315 of FIG. 3 to the wireless terminal 300, The wireless medium authentication information for authentication can be confirmed and stored in the designated storage medium.

The transaction means control system 200 confirms the transaction means of the customer who has maintained the inactive state using the registered information, and keeps the transaction means of the identified customer in an inactive state (505). The transaction means control system 200 controls to keep the inactive state for all the transaction means issued (or opened) to the customer at the specific financial institution based on the customer information, or to maintain the inactive state through the customer terminal The transaction means selection information is registered and the transaction means corresponding to the transaction means selection information is kept in the inactive state or a transaction means of some of the transaction means issued (or opened) to the customer by the specific financial institution according to the specified policy A possible financial account, or a financial account capable of non-face-to-face financial transactions) may remain inactive.

The transaction means control system 200 requests a financial transaction using the transaction means of the customer kept in the inactive state and confirms whether at least a part of the transaction procedure for the financial transaction using the transaction means is performed. If a financial transaction using the inactive transaction means is confirmed, the transaction means control system 200 processes the transaction restriction corresponding to the inactive state of the transaction means of the customer (515). Here, the transaction restriction includes a process of notifying the customer that the transaction means of the customer to be used in the financial transaction is inactive, or includes at least one of a restriction not to complete the financial transaction, or a restriction to terminate the financial transaction .

Meanwhile, according to one embodiment of the transaction restriction, the transaction means control system 200 notifies the program 315 of the customer-owned wireless terminal 300 of the transaction procedure of the financial transaction using the inactive transaction means The program 315 of the wireless terminal 300 receives and displays the transaction procedure related information of the financial transaction using the inactive transaction means in response to the transaction procedure notification (525).

The program 315 of the wireless terminal 300 displays an interface for instructing the customer to request the activation change request or deactivation maintenance request or financial transaction initialization request of the customer for the transaction means of the customer (530), generates identification data based on information input through the interface (535), and transmits the identification data to the transaction means control system (200) (540).

The transaction means control system 200 receives (545) the identification data from a prior or real-time authenticated program 315 of the wireless terminal 300, reads the received identification data, The customer's inactive maintenance or financial transaction initiation request is confirmed (550), and a financial transaction that is being performed in the inactive state of the customer's transaction means is initialized (555) according to the confirmed request. Meanwhile, the program 315 of the wireless terminal 300 may transmit identification data corresponding to the customer's activation change request to the customer's transaction means in response to the transaction procedure notification. A flow chart will be described.

FIG. 6 is a diagram illustrating a process of switching an inactive transaction means into an active state according to an embodiment of the present invention.

More specifically, FIG. 6 illustrates a process of switching an inactive customer's transaction means to an active state in response to an activation change request using a program 315 provided in a customer-owned wireless terminal 300, Those skilled in the art will be able to refer to and / or modify FIG. 6 to derive various implementations of the activation state transition process (e.g., omitting some of the steps or changing the order) However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 6, the program 315 of the customer-possessed wireless terminal 300 displays an interface for inducing a customer to designate an action to request the customer to change the transaction means of an inactive state to an active state (600 ). Preferably, the program 315 of the wireless terminal 300 may display the interface according to the first to fourth operational embodiments.

The program 315 of the wireless terminal 300 inputs information corresponding to the client-initiated action to request the customer's transaction means to be activated through the interface (605). If the information for requesting the customer to switch the transaction means to the active state is inputted, the program 315 of the wireless terminal 300 activates the transaction means of the customer maintaining the inactive state based on the inputted information (610), and transmits the generated identification data to the transaction means control system (200) (615).

The transaction means control system 200 receives (620) the identification data transmitted from the prior or real-time authenticated program 315 of the wireless terminal 300, reads the received identification data, (625) the request for the activation change of the customer. If the request for activation change of the customer is confirmed, the transaction means control system 200 may convert the transaction means of the customer maintaining the inactive state into the activation state available for the customer's financial transaction (630). At this time, the control condition for the transaction means to be switched to the active state can be automatically set through the transaction means control system 200.

Meanwhile, when registering the pre-approval information for the transaction means to be switched to the active state according to the method and / or setting the control condition by the customer, the program 315 of the wireless terminal 300 is in the activated state An interface for registering pre-approved information and / or setting a control condition of the transaction means to be switched is displayed (635), and information for setting the pre-approved information registration and / or control condition is input through the interface (640) .

If the information for the pre-approval information registration and / or control condition setting is input, the program 315 of the wireless terminal 300 transmits the pre-approval information and / or control condition corresponding to the input information to the transaction To the means control system 200 (645a). Or the program 315 of the wireless terminal 300 includes the pre-admission information and / or the control condition in the identification data generated for the activation request of the transaction means, so that the pre-admission information and / And may be transmitted to the transaction means control system 200 together with the identification data (645b).

The transaction means control system 200 may read the identification data to confirm the pre-authorization information and / or the control condition for the transaction means to be activated, or to confirm the pre-approval or real time authenticated program 315 of the wireless terminal 300, (650), and registers the pre-approval information for the transaction means of the customer to be switched to the activated state using the pre-approval information and / or the control condition transmitted from the customer (Step 655). If the pre-authorization information for the transaction means to be activated is registered and / or the control condition for the transaction means to be activated is set, the transaction means control system 200 determines the transaction means of the customer (630) to an active state available for the customer's financial transaction.

After the transaction means of the customer is switched to the active state, the transaction means control system 200 restores the transaction means of the customer switched to the active state to the inactive state using the automatic (or by the customer) (660). If the customer's transaction means is restored to the inactive state as a result of the determination, the transaction means control system 200 automatically deactivates the transaction means of the customer restored to the active state by the pre-request of the customer before the financial transaction (665). For example, if the condition is set to restore the inactive state after one transaction to the control condition, the transaction means control system 200 disables the transaction means of the customer after one financial transaction using the activated transaction means Can be restored automatically. Alternatively, if the condition is set to restore the inactive state after one hour to the control condition, the transaction means control system 200 determines whether the transaction means is activated regardless of whether the transaction is made using the activated transaction means It is possible to automatically restore the transaction means of the customer to the inactive state at the time when one hour has elapsed. Alternatively, if the condition is set so as to restore the inactive state after 18:00 in the control condition, the transaction means control system 200 can notify the customer of the customer after 18:00 pm regardless of whether or not the transaction is made using the activated transaction means The transaction means can be automatically restored to the inactive state.

FIG. 7 is a diagram illustrating a process of controlling financial transactions using transaction means that are activated by using the pre-approval information according to an embodiment of the present invention.

More specifically, FIG. 7 illustrates a process of controlling a financial transaction using the activated transaction means using the pre-approved information when pre-approved information is registered when the customer's transaction means is activated Those skilled in the art will be able to refer to and / or modify the FIG. 7 to understand the various ways of implementing the financial transaction control process (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 7, when pre-approval information is registered when the customer's transaction means is activated, the transaction means control system 200 performs at least some transaction procedures using the customer transaction means turned into the activated state (700). According to the method of the present invention, in the case where the pre-approval information is registered, while the transaction procedure using the customer transaction means switched to the activated state is being performed, in order to authenticate the pre-approved information, May be performed.

If the financial transaction using the customer transaction means switched to the activated state is confirmed, the transaction means control system 200 confirms (705) the preauthorization information inputted through the customer during the transaction procedure for the financial transaction. When the transaction means of the customer is activated, the validity of the pre-approval information input through the customer during the transaction procedure is authenticated (710) using the pre-approval information registered.

If the validity of the pre-authorization information is not authenticated, the transaction means control system 200 processes 715 to limit the financial transaction using the transaction means of the customer in response to the pre-approved information authentication error (715) (720) a process of restoring the transaction means of the customer switched to the activated state to the inactive state and / or initializing the financial transaction being performed in the state where the transaction means of the customer is switched to the active state, .

Meanwhile, when the validity of the pre-approval information is authenticated, the transaction means control system 200 controls the procedure of the financial transaction to be performed using the transaction means of the customer who has been switched to the activated state without limitation (725).

FIG. 8 is a diagram illustrating a process of controlling a financial transaction using a transaction means that is switched to an active state using control conditions according to an embodiment of the present invention.

More specifically, FIG. 8 illustrates a process of controlling a financial transaction using the active transaction means using the control condition when a control condition is set when the customer's transaction means is switched to the active state. Those skilled in the art will be able to refer to and / or modify the FIG. 8 in order to illustrate the various ways of implementing the financial transaction control process (e.g., some steps may be omitted or the order may be changed) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, when the control condition is set when the customer's transaction means is switched to the active state, the transaction means control system 200 determines whether or not the financial means The transaction is confirmed (800).

If the financial transaction using the customer transaction means turned to the active state is confirmed, the transaction means control system 200 checks whether the financial transaction using the transaction means of the customer switched to the activated state meets the set control condition 805). According to another embodiment of the present invention, the transaction means control system 200 can confirm whether the activation state of the customer's transaction means matches the set control condition regardless of the financial transaction confirmation.

If it is determined that the financial transaction using the customer's transaction means does not comply with the control condition, the transaction means control system 200 processes the transaction to limit the financial transaction using the transaction means of the customer in response to the control condition authentication error (810), restoring the transaction means of the customer switched to the activated state to the inactive state according to the execution method, and / or initializing the financial transaction being executed in the state where the transaction means of the customer is switched to the active state (815).

On the other hand, if it is determined that the financial transaction using the transaction means of the customer meets the control condition, the transaction means control system 200 uses the transaction means of the customer who has been switched to the activated state, (820).

FIG. 9 is a view illustrating a process of forcibly restoring the active transaction means to the inactive state according to the method of the present invention.

More specifically, FIG. 9 illustrates a process of forcibly restoring a transaction means of a customer in an active state to an inactive state according to an inactive restoration request using a program 315 provided in a customer-owned wireless terminal 300, Those skilled in the art will be able to refer to and / or modify this FIG. 9 to illustrate various implementations of the inactive state forcible recovery process (e.g., some of the steps are omitted, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 9, the program 315 of the customer-possessed wireless terminal 300 displays an interface for instructing a customer to perform a designated action in order to forcibly restore the transaction means of the customer who has been activated to the inactive state 900). Preferably, the program 315 of the wireless terminal 300 may display the interface according to the first to fourth operational embodiments.

The program 315 of the wireless terminal 300 inputs (905) information corresponding to an operation guided to the customer in order to forcibly restore the customer's transaction means to the inactive state through the interface. If the information for requesting for forcible restoration of the transaction means of the customer is input, the program 315 of the wireless terminal 300 transmits the transaction means of the customer maintaining the activated state based on the input information (910) for requesting forcible restoration to the inactive state, and transmits the generated identification data to the transaction means control system (200) (915).

The transaction means control system 200 receives (920) the identification data transmitted from the prior or real-time authenticated program 315 of the wireless terminal 300, reads the received identification data, (925) the inactivity restoration request of the customer for the customer. If the inactivity restoration request of the customer is confirmed, the transaction means control system 200 may forcibly restore the transaction means of the customer maintaining the activated state to the inactive state (930).

On the other hand, if the transaction procedure of the financial transaction using the transaction means forcibly restored to the inactive state at the time of forcible restoration of the transaction means to the inactive state is being performed according to the embodiment, The restored transaction means may be used to initialize the financial transaction being performed (935).

100: operating server 105: financial server
200: Transaction means control system 205: Information registration processor
210: medium authentication processing unit 215:
220: Data receiving unit 225: Data reading unit
230: Identification and authentication processing unit 235:
240: Pre-approval reception unit 245: Approval information storage unit
250: financial transaction confirmation unit 255: pre-approval authentication unit
260: Transaction procedure control unit 265: Transaction condition setting unit
270: transaction procedure initialization unit 300: wireless terminal
315: Program

Claims (20)

A transaction means control method executed by a server,
A first step of controlling the customer to maintain an inactive state for a transaction means;
A second step of receiving identification data transmitted through a pre-or real-time authenticated program of the pre-registered wireless terminal owned by the customer to switch the inactive transaction means into an active state;
A third step of reading the identification data and confirming the activation change request of the customer to the inactive transaction means;
A fourth step of controlling the transaction means of the customer to be in an activated state based on the confirmed activation change request; And
And restoring the transaction means of the customer switched to the activated state according to the designated condition to the inactive state.
The method according to claim 1,
Further comprising the steps of: registering customer information of a customer corresponding to the transaction means for maintaining the inactive state and storing the customer information in a designated storage medium,
Wherein the first step maintains an inactive state of the transaction means of the customer corresponding to the customer information.
The method according to claim 1,
And registering customer identification information on a customer corresponding to the transaction means to maintain the inactive state and storing the customer identification information in a designated storage medium,
Wherein the first step maintains the inactive state of the transaction means of the customer corresponding to the customer identification information.
The method according to claim 1,
Further comprising the step of confirming or registering the customer's own wireless terminal information corresponding to the transaction means to maintain the inactive state and storing the information in a designated storage medium,
Wherein the first step maintains an inactive state of the transaction means of the customer corresponding to the wireless terminal information.
The method according to claim 1,
Further comprising the step of authenticating the validity of a program being provided or running on the customer-owned wireless terminal, or confirming the result of verifying the validity of the program.
The method according to claim 1,
Further comprising the step of authenticating the validity of the customer-owned wireless terminal having the program or running the program, or confirming the result of verifying the validity of the customer-owned wireless terminal.
The method according to claim 1,
A step of authenticating the validity of the customer-owned wireless medium including the program being provided or being driven by the customer-owned wireless terminal and the wireless terminal including or running the program, or confirming the result of verifying the validity of the customer-owned wireless medium Further comprising the step of:
2. The method according to claim 1,
In order to switch the inactive transaction means to an active state, an operation designated through a program provided to the pre-registered wireless terminal owned by the customer is performed and a customer using the program performs a designated action corresponding to the specified operation And receiving the identification data for identification.
2. The method according to claim 1,
An input identification value for identifying that the customer has key-input a specific key button or key button combination provided in the wireless terminal,
A touch identification value for identifying that the customer has touched the specified specific touch area or touch area combination of the touch screen provided in the wireless terminal,
The customer identification information input by the customer,
And a part of selection information selected from the pre-registered customer information of the customer.
The method according to claim 1,
Wherein the identification data further includes authentication information for authenticating the validity of a program that is provided or running on the customer-owned wireless terminal,
Wherein the second step further comprises the step of authenticating the validity of the program being provided or running on the customer-owned wireless terminal using the authentication information, or confirming the result of verifying the validity of the program Control method of transaction means.
The method according to claim 1,
Wherein the identification data further includes authentication information for authenticating the validity of a customer-owned wireless terminal equipped with or running the program,
The second step may further include the step of authenticating the validity of the customer-owned wireless terminal having the program or running the program using the authentication information, or confirming the result of verifying the validity of the customer-owned wireless terminal Wherein said transaction means control means comprises:
The method according to claim 1,
Wherein the identification data further includes authentication information for authenticating the validity of a customer-owned wireless medium including a program that is provided or operated by the customer-owned wireless terminal and a wireless terminal that is equipped with or running the program,
The second step may include authenticating the validity of the customer-owned wireless medium including the program being provided or running on the customer-owned wireless terminal and the wireless terminal having the program or running the program using the authentication information, Further comprising the step of confirming the result of the authentication of the validity of the wireless medium.
The method according to claim 1,
Receiving preauthorization information for the transaction means to be switched from the pre-registered or real-time authenticated program of the pre-registered wireless terminal owned by the customer to the activated state; And
And storing the confirmed prior approval information in a designated storage medium.
14. The method of claim 13,
If the pre-admission information is stored,
Confirming a financial transaction using the transaction means of the customer switched to the activated state;
Controlling the validity of the pre-approved information input through the customer during financial transactions using the transaction means using the stored pre-approval information; And
And controlling the transaction of the financial transaction using the transaction means of the customer to be performed when the pre-approval information is authenticated.
The method as claimed in claim 1,
Further comprising setting at least one control condition of an activation period, an activation time, and a transaction use count for the transaction means to be switched to the activation state.
The method according to claim 1,
Further comprising the step of confirming at least one of an activation period, an activation time, and a transaction usage count for the transaction means that is switched from the pre-registered or real-time authenticated program of the pre-registered wireless terminal owned by the customer to the activated state ,
Wherein the fourth step further comprises setting the confirmed control condition to the transaction means that is switched to the active state.
17. The method according to claim 15 or 16,
When the control condition is set,
Confirming a financial transaction using the transaction means of the customer switched to the activated state;
If the confirmed financial transaction meets the control condition, maintains the activated state of the transaction means of the customer so that the transaction means of the customer is restored to the inactive state when the checked financial transaction does not match the control condition Further comprising the step of controlling the transaction means.
17. The method according to claim 15 or 16,
When the control condition is set,
Comparing the activation state of the transaction means of the customer with the control condition to maintain the activation state of the transaction means of the customer when the activation state meets the control condition and if the activation state does not match the control condition And controlling the transaction means of the customer to be restored to an inactive state when the transaction means is in the inactive state.
The method according to claim 1,
Further comprising the step of confirming the financial transaction being performed before the transaction means is switched to the active state when the transaction means of the customer is activated,
Wherein the fourth step is to switch the transaction means of the customer to the active state after initializing the confirmed financial transaction of the customer.
The information processing apparatus according to claim 1,
Financial accounts of customers opened at financial institutions,
The card issued by the financial institution to the customer,
And the authentication means used for the non-face financial transaction of the customer.

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