KR20170007601A

KR20170007601A - Complex financial terminal, Complex financial services system using Complex financial terminal and method thereof

Info

Publication number: KR20170007601A
Application number: KR1020150097627A
Authority: KR
Inventors: 서지원; 김인권
Original assignee: 주식회사 인큐테크; 김인권
Priority date: 2015-07-09
Filing date: 2015-07-09
Publication date: 2017-01-19

Abstract

The present invention relates to a complex financial service system using a complex financial terminal and a complex financial terminal, and a method thereof. In the present invention, an IC card reader unit for reading card information such as a credit card, a cash card, or a check card on which an IC chip is mounted; An OTP information generating unit for generating OTP (One Time Password) information; A control unit for executing a program and controlling functions and the like of various components; An encryption processing unit for encrypting the OTP information generated by the OTP information generation unit; A memory unit for storing a program necessary for operation of the compound financial terminal; A function key section including at least one button for driving the OPT information generating section; A power supply for supplying power for driving the compound financial terminal; And a short range wireless communication unit for performing wireless communication with a user terminal on which the complex financial service program is executed; Wherein the OTP information generating unit transmits the generated OTP information to the compound financial service program of the user terminal through the near-end wireless communication unit, the complex financial service system using the compound financial terminal, and the method Are presented.

Description

TECHNICAL FIELD The present invention relates to a complex financial service system using a complex financial terminal and a complex financial terminal,

The present invention relates to a complex financial service system and method using a complex financial terminal and a complex financial terminal. More particularly, the present invention relates to a compound financial terminal including a OTP (One Time Password) generation means, an IC card reader means and a short-range wireless communication means, A user terminal capable of wireless communication with the complex financial terminal and having a complex financial service means; A complex financial service system, and a method thereof, which can perform various financial transactions using various financial institution systems connected to the user terminal and communication means.

In financial services, transfer of funds and withdrawal of funds are generally carried out using an ATM machine used as a cash deposit / withdrawal machine such as a bankbook, a credit card or a check card. For example, the money transfer is performed by contacting a credit card or the like with an ATM device and inputting a card password, a transfer amount, a transfer bank, and a transfer account number. However, since ATM equipment is installed in a bank or a specific place, it is uncomfortable to use it. In addition, in the case of the online account transfer, there is an inconvenience that the one-time password is manually input using the OTP generation terminal.

A real-time account transfer system and method using a mobile terminal of Korean Patent Publication No. 10-2012-0127058 (published on November 21, 2012) are disclosed as an invention considering the inconvenience of using an ATM device.

The disclosed invention provides a card reader that is external to the mobile terminal of a user or receives account information stored in the mobile terminal and recorded on a cash card; A mobile terminal equipped with a program for receiving account information from the card reader and requesting a bank transfer to a financial institution server; And a financial institution server that receives the account transfer information from the mobile terminal and performs account transfer and notifies the transfer result to the mobile terminal. The system further includes a money transfer mediation server interposed between the mobile terminal and the financial institution server for receiving the account transfer information from the mobile terminal and transmitting the received money transfer information to the financial institution server.

Since the already disclosed card reader is mounted externally or built-in to the mobile terminal, its bulky size makes it inconvenient to carry, and the account transfer is carried out only with the account information and the password of the cash card , There is a problem of being vulnerable to financial security.

As an invention taking the problems of the present invention into consideration, a wireless terminal device for a mobile account transfer verification process of Korean Patent Laid-Open Publication No. 10-2014-0007629 (published on Jan. 20, 2014) and a mobile account transfer verification process method Is disclosed.

The present invention relates to a wireless terminal device for a mobile account transfer verification process and a mobile account transfer verification method for the same, and a wireless terminal device for performing a mobile account transfer verification process includes a user terminal for receiving user identification information and transfer information from a user An encrypting unit for encrypting the disposable number using the user identification information input through the key input unit as an encryption key value; and an encryption unit for encrypting the disposable number using the key input unit, A verification value generation unit for generating a transfer verification value using the received transfer information and the one-time number generated through the number generation unit; and a verification unit for generating a verification value using the user identification information as a cryptographic key value, To the user ' s IC chip, and sends a one-time number from the IC chip to the encrypted one- A short range communication unit for receiving a one-time number obtained by encrypting the one-time number obtained by decoding the user identification information provided in the IC chip as a decryption key value with an encryption key value provided in the IC chip through short distance communication; A one-time number encrypted with the encryption key value provided by the IC chip received through the local communication unit, and the transfer information inputted through the key input unit to the server on the communication network A transfer verification value obtained from the server, a verification result of the transfer verification value obtained from the server, a transfer verification value generated using the one-time number and the transfer information in the server, and a transfer verification value received from the wireless terminal device And an execution unit for processing the transfer approval response corresponding to the verification result - obtained through the comparison.

In the disclosed invention, a wireless terminal device generates a one-time use number, encrypts it, and transmits it to the IC chip owned by the user using local communication means. The IC chip decrypts and decrypts the one-time number received from the IC chip, The wireless terminal device transmits the chip unique number encrypted with the unique number back to the wireless terminal device, and the wireless terminal device generates the transfer validation value using the chip unique number and the one-time number received from the IC chip and transmits the same to the server, The present invention relates to a method of transmitting a verification value to a server and transmitting the verification value to a server, the verification method comprising a one-time number generated by the terminal device and a chip unique number of the IC chip, There is a problem of illegal use of a third party by hacking and the like.

Therefore, a complicated financial terminal having an IC card reader means, an OTP generating means, and a short-range wireless communication means and a user terminal capable of performing a complex financial service can transfer money by using the short-range wireless communication means, , Credit card business, payment, and so on.

Korean Patent Publication No. 10-2012-0127058 (public date November 21, 2012) Korean Patent Publication No. 10-2014-0007629 (published January 20, 2014)

SUMMARY OF THE INVENTION It is an object of the present invention to provide a complex financial terminal of a business card holder type having an IC card reader means, an OTP generation means and a short range wireless communication means, .

Another object of the present invention is to provide an IC card reader, an OTP generating means, and a short-range wireless communication means, A complex financial service system capable of executing a program for a complex financial service such as a money transfer, an account inquiry and a settlement, and performing a complex financial service using a user terminal connected to the complex financial terminal by wireless communication, and a method thereof .

Yet another object of the present invention is to provide an easy-to-handle complex financial terminal having an IC card reader means, an OTP generating means, a short range wireless communication means, and a PIN information providing means capable of providing PIN information to the OTP generating means; A user terminal that executes a program for a complex financial service such as a money transfer, an account inquiry, and a payment, and provides the PIN information received from the financial system to the compound financial terminal by wireless communication with the compound financial terminal, The present invention provides a combined financial service system and a method thereof that can prevent the generation of OTP modulation in performing a service.

As a technical solution for achieving the object of the present invention, as a first aspect of the present invention, there is provided an information processing apparatus comprising: an IC card reader unit for reading card information such as a credit card, a cash card, or a check card on which an IC chip is mounted; An OTP information generation unit for generating OTP information; A PIN information providing unit for providing PIN information for preventing OTP information tampering to the OTP information generating unit; A control unit for executing a program of the compound financial terminal and controlling functions of various components; A display unit for displaying the OTP information generated by the OTP information generation unit; An encryption processing unit for encrypting the OTP information generated by the OTP information generation unit; A memory unit for storing a program necessary for operation of the compound financial terminal; A function key section including at least one button for driving the OPT information generating section; A power supply for supplying power for driving the compound financial terminal; And a short range wireless communication unit for performing wireless communication with the user terminal.

According to a second aspect of the present invention, there is provided an information processing apparatus comprising: an IC card reader means; an easy-to-handle complex financial terminal including an OTP (One Time Password) generating means and a near field wireless communication means; A user terminal connected to the compound financial terminal through short-range wireless communication means and receiving a smart card information and OTP information from the compound financial terminal and executing a compound financial program for performing a financial service; And transmits the data to the specific financial institution or the financial settlement company system, which is connected to the user terminal via the communication means and receives and transmits the financial service request of the specific financial institution transmitted from the user terminal, An external system for requesting a financial service; A financial institution system for transferring financial service request data, which is connected to the external system through communication means and transferred from the external system, to the specific financial institution; A complex financial service system using a complex financial terminal including a financial institution system for receiving financial service request data transmitted from the external system or the financial settlement system and processing the requested financial service is presented.

According to a third aspect of the present invention, there is provided an IC card reader, an OTP (One Time Password) generating means, a PIN (Personal Identification Number) information providing means, and a short- ; A complex financial program for performing financial service by receiving IC card information and OTP information from the compound financial terminal through the short-range wireless communication means with the compound financial terminal, and for providing PIN information to the compound financial terminal A user terminal; And transmits the data to the specific financial institution or the financial settlement company system, which is connected to the user terminal via the communication means and receives and transmits the financial service request of the specific financial institution transmitted from the user terminal, An external system for requesting a financial service and transmitting the PIN information transmitted from the specific financial institution to the user terminal; A financial institution system for transferring financial service request data, which is connected to the external system through communication means and transferred from the external system, to the specific financial institution; A financial institution system for receiving financial service request data transmitted from the external system or the financial settlement system and generating and transmitting PIN information to the external system and processing the requested financial service; A complex financial service system is presented.

According to a fourth aspect of the present invention, there is provided a method for transmitting a card information request, the method comprising: transmitting a card information request to a compound financial terminal connected by short-range wireless communication by executing a compound financial service program; Reading the card information by the compound financial terminal; Transmitting the card information read by the compound financial terminal to the user terminal; Receiving data such as a password required for a financial service request input to the complex financial service program of the user terminal; Transmitting a financial service request of a financial institution related to the card information to an external system based on data required for the received financial service request; Encrypting data required for a financial service request transmitted from the user terminal to data of the financial institution optimized by the external system; Transmitting the encrypted data to the financial institution system of the financial institution to make a financial service request; The financial institution system decrypting the encrypted data transmitted from the external system and performing the primary authentication based on the decrypted data; The financial institution system requesting transmission of OTP information to the external system; Requesting transmission of OTP information to the user terminal by the external system; Requesting the user terminal to transmit OTP information to the compound financial terminal; Generating OTP information by the complex financial terminal, which is requested by the user terminal; Transmitting the OTP information generated by the compound financial terminal to the user terminal; Transmitting, by the user terminal, the OTP information transmitted from the compound financial terminal to the external system; Encrypting the OTP information transmitted from the user terminal with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution; The financial institution system decrypting the encrypted data transmitted from the external system and performing secondary authentication based on the decrypted OTP information; The financial institution system processing the requested financial service; The financial institution system transmitting result data of the processed financial service to the external system; And transmitting the processing result of the financial service transmitted from the financial institution system to the user terminal by the external system.

According to a fifth aspect of the present invention, there is provided a method of transmitting a card information request, the method comprising: transmitting a card information request to a compound financial terminal connected by short-range wireless communication, Reading the card information by the compound financial terminal; Transmitting the card information read by the compound financial terminal to the user terminal; Receiving data such as a password required for a financial service request input to the complex financial service program of the user terminal; Transmitting a financial service request of a financial institution related to the card information to an external system based on data required for the received financial service request; Encrypting data required for a financial service request transmitted from the user terminal to data of the financial institution optimized by the external system; Transmitting the encrypted data to the financial institution system of the financial institution to make a financial service request; The financial institution system decrypting the encrypted data transmitted from the external system and performing the primary authentication based on the decrypted data; Causing the financial institution system to generate PIN information for preventing OTP tampering; Transmitting the OTP information request data including the PIN information generated by the financial institution system to the external system; Transmitting the OTP information request data including the PIN information to the user terminal; Transmitting the OTP information request data including PIN information to the compound financial terminal; Generating OTP information based on the PIN information included in the compound financial terminal which has received the OTP information request data from the user terminal; Transmitting the OTP information generated by the compound financial terminal to the user terminal; Transmitting, by the user terminal, the OTP information transmitted from the compound financial terminal to the external system; Encrypting the OTP information transmitted from the user terminal with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution; The financial institution system decrypting encrypted data transmitted from the external system and performing secondary authentication in association with PIN information generated based on the decrypted OTP information; The financial institution system processing the requested financial service; The financial institution system transmitting result data of the processed financial service to the external system; And transmitting the processing result of the financial service transmitted from the financial institution system to the user terminal by the external system.

According to the present invention, an object of the present invention is to provide an IC card reader, an OTP generating unit, and a short-range wireless communication unit, A complex financial service system capable of executing a program for compound financial services such as money transfer, account inquiry and settlement, and performing a complex financial service using a user terminal connected to the complex financial terminal by wireless communication, and a method thereof Thus, it is possible to receive a compound financial service easily without moving to an ATM device or the like, and to obtain a more secure compound financial service by using two authentication means through passwords and OTP information such as a card or bankbook ,

In generating the OTP information, the financial institution system transmits PIN information for preventing time information and generation number modulation of the OTP information, and the compound financial terminal generates OTP information based on the received PIN information. It is effective to receive legitimate and safe financial services.

1 is a schematic block diagram of an embodiment of a compound financial terminal of the present invention.
2 is a schematic block diagram of an embodiment of a compound financial service system using the compound financial terminal of the present invention.
FIG. 3 is a schematic configuration diagram of an embodiment of a combined denomination service program executed in a user terminal, which is a major part of an embodiment of a compound financial service system using the compound financial terminal of the present invention.
4 is a schematic block diagram of another embodiment of a compound financial service system using the compound financial terminal of the present invention.
5 is a flowchart illustrating an embodiment of a compound financial service method using the compound financial terminal of the present invention.
6 is a flowchart for explaining another embodiment of the compound financial service method using the compound financial terminal of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 is a schematic block diagram of an embodiment of a compound financial terminal of the present invention. As shown in FIG. 2, the compound financial terminal of the present invention includes an IC card reader 101 for reading card information such as a credit card or a check card on which an IC chip is mounted; An OTP information generation unit 102 for generating OTP information; A PIN information providing unit 103 for providing the OTP information generating unit 102 with PIN information for preventing OTP information tampering generated and transmitted from the financial institution system 500; A control unit 104 for executing a program of the compound financial terminal and controlling functions of various components; A display unit 105 for displaying the OTP information generated by the OTP information generation unit 102; An encryption processing unit (106) for encrypting the OTP information generated by the OTP information generation unit (102); A memory unit 107 for storing a program necessary for operation of the compound financial terminal; A function key unit 108 including at least one button for driving the OPT information generating unit 102; A power supply unit 109 for supplying power for driving the compound financial terminal; And a short range wireless communication unit 110 for performing wireless communication with a user terminal.

The compound financial terminal of the present invention can be configured in the form of a business card holder for storing, for example, a business card and a credit card of a size capable of accommodating the IC card. The IC card reader unit 101 can preferably be configured as ISO7816. The OTP information generation unit 102 employs a time synchronization scheme, and the encryption processing unit 106 may employ an HMAC-SHA1 encryption algorithm. In addition, the function key unit 108 may be configured with two buttons, and the control unit 104 may preferably be configured as S3C2416 < - > fh. In addition, the short-range wireless communication unit 110 may be configured as Bluetooth communication means, for example, Bluetooth 4.0 (ISO14443A / B). In addition, the display unit may be configured by a LCD.

The PIN information providing unit 103 provides the PIN information including time information generated by the financial institution system 500 and received through the user terminal 200 to the OTP information generating unit 102 And the OTP information generating unit 102 generates OTP information based on the time information included in the PIN information, thereby preventing generation of future use OTP information through time modulation.

2 is a schematic block diagram of an embodiment of a compound financial service system using the compound financial terminal of the present invention. As shown in FIG. 2, the compound financial services system of the present invention includes an IC card reader unit, an easy-to-operate complex financial terminal 100 including an OTP (One Time Password) generating unit and a short-range wireless communication unit; A user terminal 200 which is connected to the compound financial terminal 100 via a short-range wireless communication means and receives a smart card information and OTP information from the compound financial terminal 100 and executes a compound financial program for performing a financial service, Wow; Receives a financial service request of a specific financial institution, which is connected to the user terminal (100) by using a communication means and transmitted from the user terminal (100), encrypts the request with data optimized for the specific financial institution, Or an external system 300 for requesting a financial service by transmitting it to the financial settlement system; A financial institution system 400 for transferring financial service request data, which is connected to the external system 300 through a communication means and transferred from the external system 300, to the specific financial institution; And a financial institution system 500 for receiving the financial service request data transmitted from the external system 300 or the financial settlement system 400 and processing the requested financial service.

The financial institution system 500 includes a banking system 510 including at least one bank; At least one card issuer system (520); At least one electronic payment (PG) system 530 and at least one financial service related external institutional system 540. [

FIG. 3 is a schematic block diagram of an embodiment of a complex financial service program executed in a user terminal, which is a main part of an embodiment of a complex financial service system using the complex financial terminal of the present invention. As shown in FIG. 3, the complex financial service program of the present invention includes a financial-related button unit and a payment-related button unit capable of performing banking and credit card operations, and performs a corresponding job according to a user's selection A user interface unit 201 provided so as to be able to display the image; A card information processing unit 202 for receiving the card information transmitted from the compound financial terminal 100 to the near field wireless communication means and processing the storage or display; An OTP information processing unit 203 for receiving OTP information transmitted from the compound financial terminal 100 and performing an automatic input process; A PIN information processing unit 205 for receiving the PIN information transmitted from the financial institution system 500 and transmitting the PIN information to the compound financial terminal 100; An account information processing unit (205) for receiving or processing the account information read from the scanned bankbook image, the account information input from the user, or the account information extracted from the card information; A password processing unit 206 for receiving and processing a password of a card or passbook inputted from a user; A data input unit 207 for inputting necessary data or messages such as an account number or a password; A data display unit 208 for displaying card information, account information, necessary data or messages, and the like; A short range wireless communication unit 209 for wireless communication with the compound financial terminal 100; And a data communication unit 210 for transmitting / receiving data to / from the external system 300 or the financial institution system 500 in a wired or wireless manner.

The complex financial service program of the present invention is configured to be operated using hardware resources such as a control unit and a memory unit of the user terminal 200. Further, the complex financial service program may be configured as an application program downloaded from a web program or an application program downloading computer.

The user terminal 200 may be a smart phone, a tablet computer, a notebook computer, a personal computer, or the like, which is capable of running a web program and running an application program and having communication means using, for example, Bluetooth wireless communication means and Internet or mobile communication network Lt; / RTI >

4 is a schematic block diagram of an embodiment of a money transfer using a compound financial service system using the compound financial terminal of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Referring to FIGS. 1 to 4, an embodiment of a compound financial service system using a compound financial terminal of the present invention will be described in detail.

The user possesses the above-mentioned compound financial terminal 100 composed of a high-quality purse. An embodiment will be described in which the user terminal 200 is a smartphone and the compound financial service program is an application program and receives a financial service using a credit card.

The user executes the compound financial service program at the user terminal 200, which is a smart phone of the user. When the complex financial service program is executed, the user interface unit 201 selects a menu to receive the service. For example, in order to receive a service for transferring funds from the account of another account in the own account, the corresponding menu is selected. When you select the account transfer menu, you will be taken to the corresponding service page. In this state, the IC card reader unit 101 is inserted into or brought into contact with the IC card associated with the account information for the account transfer to the compound financial terminal 100 held in this state, and the card number, the linked account number, Identification information, and transmits the read card information to the user terminal 200 via the short-range wireless communication unit 110 through Bluetooth communication. The user terminal 200 also receives the card information from the short range wireless communication unit 209 through Bluetooth communication. The account information processing unit 205 of the user terminal 200 extracts the account number from the received card information and displays the extracted account number in the account information display unit of the data display unit 208. In this case, when there are a plurality of account numbers linked to the IC card, the account information processing unit 205 may extract and display a plurality of account numbers, and allow the user to select the account number. The user uses the data input unit 207 to input the account transfer data including the password of the account number, the transfer bank, the transfer account number, the transfer amount and the passbook display content, and requests the account transfer. The data communication unit 210 of the complex financial service program transmits the account transfer request data including the withdrawal account number, the password and the account transfer data to the external system 300. The external system 300 converts the received account transfer request data into data optimized for the A bank system 600 of the A bank that issued the withdrawal account number and encrypts the encrypted account transfer request data, A bank system 600 as shown in FIG. The A bank system 600 decrypts the received encrypted account transfer request data to perform primary authentication based on the password of the withdrawal account, and then, when the primary authentication is successful, the A bank system 600 transmits the OTP information And transmits transmission request data. The external system 300 transmits the OTP information transmission request data to the user terminal 200. The user terminal 200 may request the transmission of the OTP information using the Bluetooth communication or may display the OTP information transmission message in the composite financial service program. Upon receiving the OTP information transmission request from the user terminal 200, the compound financial terminal 100 generates OTP information in the OTP information generation unit 102 and transmits the generated OTP information to the user terminal 200, 200 transmits the received OTP information to the external system 300 using the data communication unit 210. The external system 300 encrypts the received OTP information and transmits the encrypted OTP information to the A bank system 600. The A banking system 600 decrypts the received encrypted OTP information to perform the secondary authentication. If the secondary authentication is successful, the A banking system 600 withdraws the transfer amount from the account of the withdrawal account number and requests the account transfer of the amount withdrawn to the bank B of the transfer account number to the financial settlement agent system 400 Transfer data and request a transfer of funds. The financial settlement system 400 transmits the deposit request data of the withdrawn amount to the B bank system 700 using the issuance B bank information of the deposit account number included in the received account transfer request data. The B bank system 700 performs a deposit process using the withdrawal amount information included in the received deposit request data and transmits the deposit process result data to the financial settlement system 400. [ The banking settlement system 400 transmits the received deposit process result data to the A bank system 600. The A bank system 600 transfers the deposit process result data received by the external system 300 , And the external system 300 transmits the deposit process result data received by the user terminal 200.

When the A bank system 600 requests OTP information to the external system 300 after the first authentication is successful, the A bank system 600 generates an example of generating the OTP information based on the current time information PIN information can be included in the OTP information request data and transmitted. As a result, the PIN information providing unit 103 of the compound financial terminal 100 receiving the OTP information request data including the PIN information provides the PIN information to the OTP information generating unit 102, The unit 102 may generate the OTP information based on the time information included in the PIN information and transmit the generated OTP information to the user terminal 200. [

The complex financial service system according to the present invention as described above is capable of performing the account balance inquiry, the transaction history inquiry, the account transfer, the credit card and the payment using the compound financial service program executed in the compound financial terminal 100 and the user terminal 200 And financial services such as settlement services.

5 is a flowchart illustrating an embodiment of a compound financial service method using the compound financial terminal of the present invention. As shown in FIG. 5, the compound financial service method using the compound financial terminal of the present invention includes transmitting a card information request to a compound financial terminal connected by short-range wireless communication by executing a compound financial service program (S100 )Wow; A step S101 of reading the card information by the compound financial terminal; A step S102 of transmitting the card information read by the compound financial terminal to the user terminal; (S103) receiving data such as a password required for a financial service request input to the complex financial service program of the user terminal; (S104) of transmitting a financial service request of a financial institution related to the card information to an external system based on data necessary for the received financial service request; (S105) of encrypting data necessary for a financial service request transmitted from the user terminal by the external system with data optimized for the financial institution; (S106) the external system transmits the encrypted data to the financial institution system of the financial institution to request a financial service; (S107) of performing primary authentication based on the decrypted data by decrypting the encrypted data transmitted from the external system by the financial institution system; The financial institution system requesting transmission of the OTP information to the external system (S108); (S109) requesting the external system to transmit OTP information to the user terminal; (S110) requesting the user terminal to transmit OTP information to the compound financial terminal; (S111) the OTP information is generated by the complex financial terminal, which is requested by the user terminal; (S112) the OTP information generated by the compound financial terminal to the user terminal; (S113) of transmitting the OTP information transmitted from the compound financial terminal to the external system by the user terminal; (S114) of encrypting the OTP information transmitted from the user terminal by the external system with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution (S115); (S116) of performing secondary authentication based on the decrypted OTP information by decrypting encrypted data transmitted from the external system by the financial institution system; The financial institution system processing the requested financial service (S117); (S118) of transmitting result data of the financial service processed by the financial institution system to the external system; And a step (S119) of transmitting the processing result of the financial service transmitted from the financial institution system to the user terminal by the external system.

6 is a flowchart for explaining another embodiment of the compound financial service method using the compound financial terminal of the present invention.

As shown in FIG. 6, a method for providing a compound financial service using a compound financial terminal of the present invention includes transmitting a request for a card information to a compound financial terminal connected by short-range wireless communication by executing a compound financial service program )Wow; (S201) of reading the card information by the compound financial terminal; (S202) of transmitting the card information read by the compound financial terminal to the user terminal; (S203) receiving data such as a password required for a financial service request input to the complex financial service program of the user terminal; (S204) of transmitting a financial service request of a financial institution related to the card information to an external system based on data necessary for the received financial service request; (S205) of encrypting data required for a financial service request transmitted from the user terminal by the external system with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution to request the financial service (S206); (S207) in which the financial institution system decrypts the encrypted data transmitted from the external system and performs primary authentication based on the decrypted data (S207); (S208) of causing the financial institution system to generate PIN information for preventing OTP tampering; (S209) of transmitting the OTP information request data including the PIN information generated by the financial institution system to the external system; Transmitting the OTP information request data including the PIN information to the user terminal (S210); Transmitting the OTP information request data including the PIN information to the compound financial terminal (S211); (S212) generating OTP information based on the PIN information included in the compound financial terminal which has received the OTP information request data from the user terminal; Transmitting the created OTP information to the user terminal (S213); Transmitting the OTP information transmitted from the compound financial terminal to the external system (S214); (S215) encrypting the OTP information transmitted from the user terminal by the external system with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution (S216); (S217) performing a secondary authentication in association with the PIN information generated based on the decrypted OTP information by decrypting the encrypted data transmitted from the external system of the financial institution system; The financial institution system processing the requested financial service (S218); (S219) of transmitting result data of the financial service processed by the financial institution system to the external system; And a step (S220) of transmitting the processing result of the financial service transmitted from the financial institution system to the user terminal by the external system.

The embodiments of the present invention described above are only a few of various embodiments of the present invention. The present invention can be applied to a business card purse type compound financial terminal capable of communicating using an IC card reader means, an OTP information generating means, a user terminal capable of executing a compound financial service program, and a Bluetooth communication means, Various embodiments;

Various embodiments included in the technical idea of a system including a complex financial service program executed in a user terminal capable of receiving various complex financial services connected to the complex financial terminal and a short range wireless communication means and a method using the same, Of the present invention.

100: Compound financial terminal
200: User terminal
300: Large extraterrestrial system
400: KFTC system
500: Financial institution system
600: A banking system
700: B Bank System

Claims

An IC card reader unit for reading card information such as a credit card, a cash card, or a check card on which the IC chip is mounted; An OTP information generating unit for generating OTP (One Time Password) information; A control unit for executing a program and controlling functions and the like of various components; An encryption processing unit for encrypting the OTP information generated by the OTP information generation unit; A memory unit for storing a program necessary for operation of the compound financial terminal; A function key section including at least one button for driving the OPT information generating section; A power supply for supplying power for driving the compound financial terminal; And a short range wireless communication unit for performing wireless communication with a user terminal on which the complex financial service program is executed;
And the OTP information generating unit transmits the generated OTP information to the compound financial service program of the user terminal through the near-end wireless communication unit.

The method according to claim 1,
And a display unit for displaying the OTP information generated by the OTP information generation unit.

The method according to claim 1,
Further comprising a PIN (Personal Identification Number) information providing unit for providing PIN information for preventing tampering of the OTP information time information transmitted from the user terminal to the OTP information generating unit.

The method according to claim 1,
Wherein the short-range wireless communication unit includes a Bluetooth communication unit.

The method according to claim 1,
Wherein the complex financial terminal is a business card holder type.

An IC card reader means, an OTP (One Time Password) generating means, and a short range wireless communication means; A compound financial service program executed in a user terminal and connected to the compound financial terminal through a short-range wireless communication means, receiving the IC card information and the OTP information from the compound financial terminal to request a financial service; Receiving a financial service request of a specific financial institution, which is connected to the user terminal through a communication means and transmitted from the user terminal, encrypts the request with data optimized for the specific financial institution, and transmits the data to the specific financial institution, An extrinsic system for requesting;
Receiving the financial service request data transmitted from the external system at a specific financial institution connected by the external system and the communication means, receiving the OTP information generated at the compound financial terminal to perform authentication processing, And transmits the result of the processing to the complex financial service program.

An IC card reader means, an OTP (One Time Password) generating means, a PIN (Personal Identification Number) information providing means, and a short range wireless communication means; A compound financial service program executed in a user terminal and connected to the compound financial terminal through a short-range wireless communication means, receiving the IC card information and the OTP information from the compound financial terminal to request a financial service; Receiving a financial service request of a specific financial institution, which is connected to the user terminal through a communication means and transmitted from the user terminal, encrypts the request with data optimized for the specific financial institution, and transmits the data to the specific financial institution, An extrinsic system for requesting;
The financial service request data transmitted from the external system at the specific financial institution connected to the external system and the communication means is generated to generate the PIN information including the time information and transmit the OTP information transmission request including the PIN information The OTP information generated based on the PIN information in the compound financial terminal to perform the authentication process, the requested financial service is processed, and the process result is transmitted to the compound financial service program A complex financial service system using compound financial terminals.

The method according to claim 6 or 7,
The compound financial services program may include:
A user interface unit including a financial related button unit capable of performing a banking service and a credit card service and various payment related button units and being provided to perform a corresponding service according to a user's selection; A card information processing unit for receiving the card information transmitted from the compound financial terminal to the near field wireless communication means and processing the storage or display; An OTP information processing unit for receiving OTP information transmitted from the compound financial terminal and performing an automatic input process; An account information processing unit for reading from the scanned bankbook image or receiving account information input from a user or account information extracted from the card information and processing the account information; A password processing unit for receiving and processing a password of a card or passbook inputted from a user; A data input unit for inputting necessary data or messages such as an account number or a password; A data display unit for displaying card information, account information, required data, or a message; A short range wireless communication unit for wireless communication with the complex financial terminal; And a data communication unit for transmitting and receiving data to / from the external system or the financial institution system in a wired or wireless manner.

The user terminal executes the complex financial service program and transmits a card information request to the complex financial terminal connected by short-range wireless communication; Reading the card information by the compound financial terminal; Transmitting the card information read by the compound financial terminal to the user terminal; Receiving data such as a password required for a financial service request input to the complex financial service program of the user terminal; Transmitting a financial service request of a financial institution related to the card information to an external system based on data required for the received financial service request; Encrypting data required for a financial service request transmitted from the user terminal to data of the financial institution optimized by the external system; Transmitting the encrypted data to the financial institution system of the financial institution to make a financial service request; The financial institution system decrypting the encrypted data transmitted from the external system and performing the primary authentication based on the decrypted data; The financial institution system requesting transmission of OTP information to the external system; Requesting transmission of OTP information to the user terminal by the external system; Requesting the user terminal to transmit OTP information to the compound financial terminal; Generating OTP information by the complex financial terminal, which is requested by the user terminal; Transmitting the OTP information generated by the compound financial terminal to the user terminal; Transmitting, by the user terminal, the OTP information transmitted from the compound financial terminal to the external system; Encrypting the OTP information transmitted from the user terminal with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution; The financial institution system decrypting the encrypted data transmitted from the external system and performing secondary authentication based on the decrypted OTP information; The financial institution system processing the requested financial service; The financial institution system transmitting result data of the processed financial service to the external system; And transmitting the processing result of the financial service transmitted from the financial institution system to the user terminal by the external system.

The user terminal executes the complex financial service program and transmits a card information request to the complex financial terminal connected by short-range wireless communication; Reading the card information by the compound financial terminal; Transmitting the card information read by the compound financial terminal to the user terminal; Receiving data such as a password required for a financial service request input to the complex financial service program of the user terminal; Transmitting a financial service request of a financial institution related to the card information to an external system based on data required for the received financial service request; Encrypting data required for a financial service request transmitted from the user terminal to data of the financial institution optimized by the external system; Transmitting the encrypted data to the financial institution system of the financial institution to make a financial service request; The financial institution system decrypting the encrypted data transmitted from the external system and performing the primary authentication based on the decrypted data; Causing the financial institution system to generate PIN information for preventing OTP tampering; Transmitting the OTP information request data including the PIN information generated by the financial institution system to the external system; Transmitting the OTP information request data including the PIN information to the user terminal; Transmitting the OTP information request data including PIN information to the compound financial terminal; Generating OTP information based on the PIN information included in the compound financial terminal which has received the OTP information request data from the user terminal; Transmitting the OTP information generated by the compound financial terminal to the user terminal; Transmitting, by the user terminal, the OTP information transmitted from the compound financial terminal to the external system; Encrypting the OTP information transmitted from the user terminal with data optimized for the financial institution; Transmitting the encrypted data to the financial institution system of the financial institution; The financial institution system decrypting encrypted data transmitted from the external system and performing secondary authentication in association with PIN information generated based on the decrypted OTP information; The financial institution system processing the requested financial service; The financial institution system transmitting result data of the processed financial service to the external system; And transmitting the processing result of the financial service transmitted from the financial institution system to the user terminal by the external system.