KR20170072656A - Syetem and apparatus for simplifying agent's transaction and method thereof - Google Patents

Syetem and apparatus for simplifying agent's transaction and method thereof Download PDF

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KR20170072656A
KR20170072656A KR1020150181090A KR20150181090A KR20170072656A KR 20170072656 A KR20170072656 A KR 20170072656A KR 1020150181090 A KR1020150181090 A KR 1020150181090A KR 20150181090 A KR20150181090 A KR 20150181090A KR 20170072656 A KR20170072656 A KR 20170072656A
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Prior art keywords
information
proxy
financial institution
transaction
user
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KR1020150181090A
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Korean (ko)
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KR101816294B1 (en
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조성우
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중소기업은행
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN

Abstract

According to an embodiment of the present invention, a financial institution communication unit receives an information transmission request signal of a financial institution or transmits a response signal corresponding to the information transmission request signal; A storage unit for storing surrogate transaction information on a transaction type that the agent can deal with on behalf of the user, agent information on the personal details of the agent, and a proxy password; A financial institution judging unit for judging whether the financial institution identified in accordance with the received information transmission request signal matches a predetermined financial institution; And a proxy for extracting at least one of the proxy transaction information, the proxy information, and the proxy password from the storage unit according to the information transmission request signal if the financial institution coincides with the predetermined financial institution, And an information processing unit.

Figure P1020150181090

Description

Technical Field [0001] The present invention relates to a system and an apparatus for simplifying agent transaction procedures,

The present invention relates to a system, an apparatus and a method for simplifying a procedure of an agency transaction, and more particularly, to a system and an apparatus for simplifying a procedure of an agency transaction, The present invention relates to a system, an apparatus and a method for simplifying the procedure of proxy transaction by a proxy in a manner of communicating to an agent.

Recently, an individual or a corporation is increasingly tasked to a financial institution for the agent to save time or speed up the transaction. In this way, as more and more work is being done by the agent to process the business of the financial institution, the impersonal act of impersonating the agent as the agent of the person or the transaction exceeding the scope of the person's delegation Are increasing day by day.

In order to minimize the transaction work through agents that have not been appointed by the financial institution and to clarify the responsibility for the damage of the agency transaction that has already occurred, the financial institution has to provide many documents for the agent . However, because there are many documents to prepare in advance according to the scope of representation authority and the type of agency work, agents who have been properly given proxy authority from the principal have a great deal of inconvenience in doing financial business on their behalf. It is necessary to strengthen the method to minimize the damage caused by the substitute act and at the same time to prove the fact that the proxy is granted.

Korean Patent Publication No. 2011-0133211

A problem to be solved by the present invention is to provide a portable communication device in which a person visits a financial institution and an agent creates a portable communication device containing information necessary for a substitute service and an agent conducts a financial transaction on behalf of the person based on the portable communication device, And to provide a system, apparatus, and method for simplifying a proxy transaction procedure that can facilitate the convenience of a proxy service.

According to an aspect of the present invention, there is provided an apparatus for simplifying an agency transaction procedure, comprising: a financial institution communication unit for receiving an information transmission request signal of a financial institution or transmitting a response signal corresponding to the information transmission request signal; ; A storage unit for storing surrogate transaction information on a transaction type that the agent can deal with on behalf of the user, agent information on the personal details of the agent, and a proxy password; A financial institution judging unit for judging whether the financial institution identified in accordance with the received information transmission request signal matches a predetermined financial institution; And a proxy for extracting at least one of the proxy transaction information, the proxy information, and the proxy password from the storage unit according to the information transmission request signal if the financial institution coincides with the predetermined financial institution, And an information processing unit.

The apparatus according to claim 1, wherein the storage unit further includes proxy transaction required document information for a document corresponding to each transaction type included in the proxy transaction information, and the proxy information processing unit determines whether the financial institution matches the predetermined financial institution , It is possible to extract at least one or more of the proxy transaction information, the proxy information, the proxy password, and the proxy transaction required document information from the storage unit according to the information transmission request signal and include the extracted information in the response signal.

According to another aspect of the present invention, there is provided an apparatus for streamlining proxy transaction procedures, comprising: a communication unit for communicating with a server of a financial institution and a portable communication device issued by a financial institution to a user; A login information transmission control unit which controls the communication unit to transmit the received login information to the server when the login information is received from the user; A communication device search unit for searching, when the communication unit receives login response information corresponding to the login information from the server, whether or not the portable communication device exists within a predetermined range based on the received login response information; And a user change information transmission control unit that controls the portable communication apparatus to transmit user change information for changing the proxy transaction related information stored in the portable communication apparatus to the portable communication apparatus through the communication unit when the portable communication apparatus is searched do.

In the device updater, the portable communication device is an integrated circuit card including a noncontact local communication function. When the communication unit receives the login response information, the communication device searching unit searches the received login response information It is possible to detect whether or not there is an IC card including a non-contact short distance communication function issued to the user by the financial institution within a predetermined range based on the contactless short distance communication function.

According to another aspect of the present invention, there is provided a reader for simplifying a proxy transaction procedure, the portable communication device having a portable communication device, A portable communication device identification unit for determining whether the portable communication device is connected to the portable communication device; When it is determined that the sensed portable communication device is issued to the user from the predetermined financial institution, the portable communication device may include proxy transaction information on a transaction type that the proxy can deal with on behalf of the user, An information request signal transmission unit for transmitting an information request signal for requesting proxy information and proxy password for the item; A proxy information storage unit for receiving and storing the proxy transaction information, the proxy information and the proxy password from the portable communication device in response to the information request signal; And an approval message output unit for outputting a proxy transaction approval message if the comparison proxy transaction information, the comparison agent information, and the comparison agent password input from the proxy match the proxy transaction information, the proxy information, and the proxy password, respectively do.

According to another aspect of the present invention, there is provided a method of streamlining an agency transaction procedure, the method comprising: receiving an information transmission request signal of a financial institution; A financial institution determining step of determining whether the financial institution identified according to the received information transmission request signal coincides with a predetermined financial institution; If the financial institution agrees with the pre-set financial institution, the agent transmits the proxy transaction information on the transaction type that the proxy can deal with on behalf of the user, the agent information on the personal information of the agent, Extracting proxy information from the storage unit to extract at least one of the proxy transaction information, the proxy information, and the proxy password; And a response signal transmission control step of controlling the information extracted in the agent information extracting step to be included in a response signal corresponding to the information transmission request signal to be transmitted to the financial institution.

In the above method, the storing unit may further include proxy transaction required document information for a document corresponding to each transaction type included in the proxy transaction information, and the proxy information extracting step may include: The proxy information, the proxy information, the proxy password, and the proxy transaction required document information from the storage unit according to the information transmission request signal.

According to another aspect of the present invention, there is provided a method for updating a surrogate transaction procedure simplifying apparatus, the method comprising: receiving login information from a user and controlling the received login information to be transmitted to a server of a financial institution Login information transmission control step; When the login response information corresponding to the login information is received from the server, searches for a communication device that searches for a portable communication device issued by the financial institution to the user within a predetermined range based on the received login response information step; And a user change information transmission control step of controlling the portable communication apparatus to transmit user change information for changing the proxy transaction related information stored in the portable communication apparatus to the portable communication apparatus when the portable communication apparatus is searched.

In the updating method, the portable communication device is an integrated circuit card including a noncontact local communication function, and the communication device searching step, when receiving the login response information, It is possible to detect whether or not there is an integrated circuit card including a non-contact short distance communication function issued to the user by the financial institution within a preset range on the basis of the information.

The present invention can provide a computer readable recording medium on which a program for executing the proxy transaction procedure simplification device update method is recorded.

According to the present invention, a customer who has frequent proxy transactions can reduce costs related to issuance of various documents, and a foreign customer who has to abandon a proxy transaction due to the difficulty in preparing documents necessary for appointing a proxy and assigning proxy, Can be easily used.

In addition, as a financial institution such as a bank, it is possible to omit the procedure of directly receiving and confirming the delegated documents, thereby minimizing the number of personnel placed in the window due to an increase in the efficiency of the docking work and a reduction in the docking workload.

FIG. 1 is a schematic view of a proxy transaction procedure simplification system according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a block diagram of an example of an agent transaction simplification apparatus according to the present invention.
FIG. 3 is a block diagram illustrating an example of an agent transaction procedure simplifying device updater according to the present invention.
FIG. 4 is a block diagram of an example of an agent transaction procedure simplifying device reader according to the present invention.
FIG. 5 is a flowchart illustrating an example of a proxy transaction procedure simplification method according to the present invention.
FIG. 6 is a flowchart illustrating an exemplary method of updating an agent transaction procedure simplification apparatus according to the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. The effects and features of the present invention and methods of achieving them will be apparent with reference to the embodiments described in detail below with reference to the drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or corresponding components throughout the drawings, and a duplicate description thereof will be omitted .

In the following embodiments, the terms first, second, and the like are used for the purpose of distinguishing one element from another element, not the limitative meaning.

In the following examples, the singular forms "a", "an" and "the" include plural referents unless the context clearly dictates otherwise.

In the following embodiments, terms such as inclusive or possessed mean that a feature or element described in the specification is present, and does not exclude the possibility that one or more other features or components are added in advance.

If certain embodiments are otherwise feasible, the particular process sequence may be performed differently from the sequence described. For example, two processes that are described in succession may be performed substantially concurrently, and may be performed in the reverse order of the order described.

FIG. 1 is a schematic view of a proxy transaction procedure simplification system according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, it can be seen that the surrogate transaction procedure simplification system 10 according to an embodiment of the present invention is largely composed of three subjects. In more detail, the surrogate transaction procedure simplification system 10 comprises a user area 110, an agent area 130, and a financial institution 170.

First, the user area 110 includes a user 111, a smart terminal 113, and a user-possessed portable communication device 115. The smart terminal 113 and the user portable communication device 115 are occupied by the user 111. [ The user 111 refers to a person who entrusts his / her own financial transaction to the agent 131 through the proxy transaction procedure simplification system according to the present invention.

Next, the smart terminal 113 is capable of various wired / wireless communication, and the user 111 installs an application for implementing various functions by inputting a user such as a touch or a button input, Such as a smart phone, that allows the user to perform tasks such as performing a task. The user-possessed portable communication device 115 means a communication device capable of various wired / wireless communication and small enough to be carried by an individual.

The smart terminal 113 and the user-held portable communication device 115 are capable of exchanging data using various wired and wireless communications. However, the smart terminal 113 may be configured such that the user 111 actively installs various applications Since the portable communication device 115 possessed by the user is a device for communicating with the smart terminal 113 attributed to the user 111 while being capable of expanding any function within the performance limit of the smart terminal 113 itself (The smart terminal 113, the smart terminal 113, the smart terminal 113, and the smart terminal 113) in that the user 111 does not change to include a function other than the function when the user's portable communication device 115 is initially made, User portable communication device 115) are different.

The user-possessed portable communication device 115 is a device that allows the user 111 to visit the financial institution 170 and receive a predetermined procedure from the financial institution. The user possesses the portable communication device 115 is provided with a proxy transaction request such as the type of transaction that the agent 131 can deal with, the personal information of the agent 131, and the proxy password that the agent 131 should know in order to perform the proxy transaction Information.

As an example, an integrated circuit card (hereinafter, IC card) may be a portable communication device 115 possessed by a user. That is, the user 111 visits the financial institution 170 before issuing the proxy transaction to the agent 131, receives the IC card storing various information, and provides the IC card to the agent 131, (131) can perform transactions on behalf of the user (111).

The agent area 130 includes an agent 131 and an agent-occupied portable communication device 133.

The agent 131 is a person who is commissioned to deal with the financial institution 170 by being delegated a transaction from the user 111 and the financial transaction action of the agent 131 becomes effective to the user 111. [

The proxy-occupied portable communication device 133 refers to the same device as the portable communication device 115 with the user described above. The portable communication device 115 may be directly held by the user 111 or the user 111 may be handed over to the agent 131 so that the agent 131 may occupy the portable communication device 115, And the agent region 130. In this case,

The agent 131 may visit the financial institution 170 while holding the agent-occupied portable communication device 133 and perform a financial transaction for effecting the user 111 on behalf of the user 111. [

The communication network 150 between the smart terminal 113 and the financial institution server 173 includes various wired and wireless communication networks such as a general telephone network, a data network, and a mobile communication network.

The financial institution 170 includes a portable communication device reader 171 and a financial institution server 173. The portable communication device reader 171 reads various information stored in the agent-occupied portable communication device 133 by wired / wireless connection with the proxy-occupied portable communication device 133. [

Only when the information read by the portable communication device reader 171 and the information input by the agent 131 to the input device provided in the financial institution 170 coincide with each other, The agent 131 is considered to be a legitimate agent and the agent 131 can continue the financial transaction with the financial institution 170. [

The financial institution server 173 exchanges various information with the smart terminal 113 through the communication network 150 between the smart terminal 113 and the financial institution server 173. More specifically, when the smart terminal 113 requests transmission of specific information, the financial institution server 173 determines whether the request is made by the legitimate user 111, And transmits information according to the detected content.

FIG. 2 is a block diagram of an example of an agent transaction simplification apparatus according to the present invention.

Referring to FIG. 2, the proxy transaction procedure simplification apparatus 200 according to the present invention may include a financial institution communication unit 210, a storage unit 230, a financial institution determination unit 250, and a proxy information processing unit 270 have. 1, the surrogate transaction procedure simplification device 200 according to the present embodiment includes a user-held portable communication device 115, a proxy-occupied portable communication device 133, the device itself, . ≪ / RTI >

That is, the proxy transaction procedure simplification apparatus 200 according to an embodiment of the present invention may correspond to at least one processor or may include at least one processor. Accordingly, the surrogate transaction procedure simplifying apparatus 200 can be operated in a form contained in another hardware apparatus such as a microprocessor or a general-purpose computer system.

First, the financial institution communication unit 210 receives an information transmission request signal from a financial institution or transmits a response signal corresponding to an information transmission request signal of a financial institution to a financial institution. The information transmission request signal of the financial institution is a signal for requesting information stored in the proxy transaction procedure simplification device 200 after the proxy transaction procedure simplification device 200 is connected to the proxy transaction procedure simplification device reader 200, The signal transmitted to the financial institution in response to the information transmission request signal of the proxy transaction simplifying apparatus 200 means that the information stored in the proxy transaction simplifying apparatus 200 is not transmitted or transmitted. Details of the information transmission request signal and the response signal will be described later with reference to FIG.

Then, the storage unit 230 stores proxy transaction information on a transaction type that the proxy can deal with on behalf of the user (the principal), proxy information on the personal information of the proxy, and proxy transaction approval information (proxy password) .

Here, the proxy transaction information refers to information on the type of transaction service that the user (the principal) preliminarily specifies that the proxy can perform on behalf of the proxy. For example, the issuance and receipt of the issuance of the one-time password generator, issuance of the balance certificate, the transfer of the counterparty, and the application of the automatic transfer are types of transaction that can become proxy transaction information. The number of transaction tasks included in the proxy transaction information may be at least one or more.

The agent information is information on the personal information of the agent, including the name of the agent, resident registration number, and the like. The proxy transaction approval information is information stored in the form of a proxy password, which is one of the information for proving that the proxy has been authorized by the user by a proxy, by inputting the proxy transaction immediately before finishing the transaction on behalf of the user.

The above-described proxy transaction information, proxy information, and proxy transaction approval information are information that a user directly inputs to the financial institution and directly inputs a proxy transaction procedure simplification device (the user-possessed portable communication device of FIG. The user informs the proxy transaction approval information while conveying the proxy transaction procedure simplification device according to the present invention to the proxy. The proxy has a proxy transaction procedure simplification device and visits the financial institution while being aware of the proxy transaction approval information The transaction proceeds on behalf of the user.

The financial institution determination unit 250 analyzes the information transmission request signal received by the financial institution communication unit 210 to determine which financial institution has transmitted the information transmission request signal, Or not. Then, the financial institution determination unit 250 transmits the determination result to the proxy information processing unit 270 that the financial institution identified by the information transmission request signal matches the predetermined financial institution.

The proxy information processing unit 270 stores at least one of the proxy transaction information, the proxy information, and the proxy transaction approval information in accordance with the information transmission request signal if the financial institution identified by the information transmission request signal matches the preset financial institution (230), and processes the extracted information so as to be included in the response signal transmitted from the financial institution communication unit (210) to the financial institution.

As an alternative embodiment, the storage unit 230 may further include proxy transaction required document information as well as the above-described proxy transaction information, proxy information, and proxy transaction approval information. Here, the proxy transaction required document information means information on a document that a proxy must prepare in advance in order to perform transactions on behalf of the user.

For example, the proxy transaction required document information includes information about a power of attorney to certify that a user has requested a proxy transaction by proxy, information about a user's real estate registration, various pledges, information about a mortgage document, And herbal information, information on buildings and land (forests), information on certified copies of automobile registrations, information on business registration certificates, information on certificates of persons with disabilities, and information on basic living recipient certificates. have.

In particular, the personal seal certificate and the corporation seal certificate, which are the most required documents of banks, can not be issued via the Internet for the highest level of security. In order to allow the user to obtain a device for simplifying the proxy transaction procedure according to the present invention, A personal seal registration certificate (corporate seal registration certificate) is printed in advance so that the financial institution alone can read the personal seal registration certificate (corporate seal registration certificate) in the storage unit 230 included in the proxy transaction procedure simplification device Once stored, the proxy can continue the proxy transaction on the user's behalf without having to output the personal seal certificate or corporate seal certificate directly.

In this alternative embodiment, the proxy transaction required document information is stored in the storage unit 230 so as to correspond to the above-described proxy transaction information. There may be documents that are common to all the transactions that the agent performs on behalf of the user, although the required documents are different and the types of transactions are different.

Also, depending on whether the agent is a legal representative or an arbiter of the user, an agent who has been given comprehensive authority by the user, or a proxy who is merely delegated authority, the documents necessary for the proxy transaction may differ. According to this alternative embodiment, Since the proxy transaction required document information is stored in the storage unit 230 so as to correspond to the proxy transaction information, the financial institution can selectively search the storage unit 230 for the documents necessary for the proxy transaction, Regardless of the scope of the proxy, it is possible to proceed with proxy transaction if the proxy is proved. That is, according to the present invention, it is possible to minimize a process delay due to a paper shortage in a proxy transaction.

In this alternative embodiment, if the financial institution judged by the financial institution judging unit 250 agrees with the predetermined financial institution, the proxy information processing unit 270 transmits the information transmission request signal received from the financial institution to the financial institution communication unit 210 The representative transaction information, the proxy information, the proxy transaction approval information, and the proxy transaction required document information from the storage unit 230 and stores the extracted information in the response signal.

Finally, when the proxy information processing unit 270 transmits the proxy transaction information, the proxy information, and the proxy transaction approval information to the response signal, the agent of the financial institution inputs the proxy transaction information, the proxy information, and the proxy transaction approval information And the agent can perform the financial transaction service on behalf of the user only when the information inputted by the agent and the information included in the response signal coincide with each other. This process will be described later with reference to FIG.

FIG. 3 is a block diagram illustrating an example of an agent transaction procedure simplifying device updater according to the present invention.

3, the proxy transaction procedure simplifying apparatus updater 300 according to the present invention includes a communication unit 310, a login information transmission control unit 330, a communication device search unit 350, and a user change information transmission control unit 370, . ≪ / RTI > 1, the surrogate transaction procedure simplifying apparatus updater 300 according to the present embodiment may be implemented in an application form included in the smart terminal 113 of FIG. 1 or installed in the smart terminal 113 .

That is, the surrogate transaction procedure simplifying apparatus updater 300 according to an embodiment of the present invention may correspond to at least one processor or may include at least one or more processors. Accordingly, the proxy transaction procedure simplification device updater 300 may be operated in a form included in another hardware device such as a microprocessor or a general-purpose computer system.

First, the communication unit 310 connects the portable communication device issued by the financial institution to the user and the server of the financial institution. Here, the portable communication apparatus issued by the financial institution to the user may be an example of the proxy transaction procedure simplifying apparatus 200 described with reference to FIG.

More specifically, the communication unit 310 communicates with the portable communication device through a non-contact Near Field Communication (NFC) based on a Radio Frequency Identification (RFID) chip. Here, the portable communication device is located at a short distance from the proxy transaction procedure simplifying device updater 300 in the present embodiment, and exchanges various data with the proxy transaction procedure simplification device updater 300. As an example of the portable communication apparatus, there is an IC card incorporating an integrated circuit (IC) chip supporting a noncontact local communication function. Also, the communication unit 310 communicates with a server of a financial institution through various wired / wireless communication networks such as a general telephone network, a data network, and a mobile communication network.

When the login information transmission control unit 330 receives the login information from the user, the login information transmission control unit 330 controls the login information to be transmitted to the server of the financial institution. In a state where the proxy transaction procedure simplifying device updater 300 is implemented in a user terminal such as a smart phone, a user can input login information by touching a touch panel or inputting a button on a smart phone , And the login information input by the user is transmitted to the login information transmission control unit 330. The login information input by the user includes information such as an ID and a password created by the user when applying for the Internet banking with the financial institution.

After receiving the login information from the login information transmission control unit 330 through the communication network, the server of the financial institution determines whether or not the login information is valid, generates login response information based on the determination result, .

If the server of the financial institution determines that the user is authorized to log in through the login information, the login response information includes information indicating that the user is authorized to log in, and if the user can log in If it is determined that the user is not authorized, the login response information includes information that the user is not authorized to log in.

Upon receiving the login response information corresponding to the login information from the server of the financial institution, the communication device search unit 350 searches the portable communication device whether or not there is a portable communication device within a predetermined range based on the login response information.

First, the communication device search unit 350 receives the login response information corresponding to the login information from the server of the financial institution, and determines whether the login response information includes information that the user is authorized to log in. The communication device search unit 350 stores preset reference information in order to determine whether the login response information includes information indicating that the user is authorized to log in.

Then, when the login response information includes information indicating that the user is authorized to log in, the communication device search unit 350 searches for a portable communication device in a predetermined range. As an example, the communication device search unit 350 may activate the contactless local communication (NFC) function to search for whether there is a portable communication device, and in this example, the portable communication device may include an integrated non- It can be an IC card having a built-in circuit chip.

When the portable communication apparatus is searched by the communication apparatus search unit 350, the user change information transmission control unit 370 sends user change information for changing the proxy transaction related information of the user stored in the portable communication apparatus to the portable communication apparatus To be transmitted.

Here, the user change information transmission control unit 370 controls the portable communication device to transmit the user change information through the communication unit 310, and the portable communication device includes user information. That is, when the communication device searching unit 350 searches for a portable communication device including user information corresponding to log-in response information in a predetermined range, the user change information transmission control unit 370 transmits user change information to the communication unit 310 And controls the communication unit 310 to transmit the user change information to the portable communication device.

Here, the user change information is information for changing the proxy transaction related information of the user stored in the portable communication device, and is information generated when the user inputs a series of input to the user terminal. The user change information transmission control unit 370 may generate the user change information according to the input of the user or may control the communication unit 310 to transmit the generated user change information to the portable communication device. The proxy transaction related information of the user includes the proxy transaction information, proxy information, proxy transaction approval information, and proxy transaction required document information already described in FIG.

The user change information transmission control unit 370 generates user change information based on a command of the user when the user instructs the user terminal to change the proxy transaction related information stored in the portable communication device, And can be controlled to be transmitted to the portable communication apparatus through the communication unit 310. [ The portable communication apparatus that has received the user change information changes the proxy transaction related information stored in the portable communication apparatus based on the user change information.

According to the proxy transaction procedure simplification device renewal apparatus according to the present embodiment, a user receives various documents required for proxy transaction via the Internet through a user terminal such as a smart phone, and generates user change information based on the issued documents , The content of the portable communication apparatus storing the proxy transaction related information can be updated.

Assuming that a user visits a financial institution and receives a portable communication device (IC card) for handing it to the agent, various documents prepared by the user when visiting the financial institution are encrypted and stored in the portable communication device, The portable communication apparatus can be used as a proxy transaction procedure simplifying apparatus.

However, the documents that the user has prepared when visiting the financial institution may include documents with valid period. If the user visits the financial institution after the expiration of the valid period and does not update the documents stored in the portable communication device , The agent can not use the portable communication device to perform the proxy transaction requiring the expired document.

As another example, in addition to the update of the documents required for the proxy transaction, the user needs to change the type of transaction and agent information that the agent can represent, or to easily change the proxy transaction approval information (proxy password). In the example, the user change information transmission control unit 370 can generate the user change information and change the proxy transaction related information stored in the portable communication apparatus, thereby improving the user's convenience.

Particularly, when the communication device search unit 350 searches for the portable communication device, the proxy transaction required document information stored in the portable communication device is grasped, and if the expiration date has expired in the proxy transaction required document information, The user change information transmission control unit 370 notifies the user of the information that the proxy transaction required document information is updated to the notification message that the user needs to update the proxy transaction required document information on the basis of the information obtained by the communication device search unit 350 It may be controlled to output through the user terminal screen.

The user confirms the notification message, updates the proxy transaction related information stored in the portable output device by issuing the document necessary for the proxy transaction with the smartphone (user terminal), or prints a document such as a corporate seal certificate that has not yet been issued to the Internet It is possible to update the proxy transaction related information stored in the portable output device by visiting the financial institution.

Recently, in the case of a personal seal certificate, an electronic signature verification certificate having the same effect as the personal seal certificate itself can be issued through the Internet. Therefore, according to the present alternative embodiment, The stored personal seal certificate can be updated to the electronic signature verification document or the electronic signature verification document can be added to the portable output device.

FIG. 4 is a block diagram of an example of an agent transaction procedure simplifying device reader according to the present invention.

4, the proxy transaction procedure simplification device reader 400 includes a portable communication device identification unit 410, an information request signal transmission unit 430, a proxy information storage unit 450, and an approval message output unit 470 can do. Referring to FIG. 1, the proxy transaction procedure simplifying device reader 400 according to the present embodiment may be embodied as being included in the portable communication device reader 171 or the portable communication device reader 171 of FIG. 1 .

First, when the connection of the portable communication apparatus is detected, the portable communication apparatus identification unit 410 determines whether the portable communication apparatus is issued from the predetermined financial institution to the user. The portable communication apparatus identification unit 410 identifies the financial institution that issued the portable communication apparatus from the portable communication apparatus and determines whether the specified financial institution matches the predetermined financial institution, (430).

When it is determined that the portable communication apparatus is issued to the user from the predetermined financial institution, the information request signal transmission unit 430 transmits proxy transaction information on the type of transaction that the proxy can deal with on behalf of the user to the portable communication apparatus, Agent information on personal information, and proxy transaction approval information (proxy password).

The proxy information storage unit 450 receives and stores proxy transaction information, proxy information, and proxy transaction approval information (proxy password) from the portable communication device in response to the information request signal transmitted by the information request signal transmission unit 430. [

The approval message output unit 470 outputs the comparison proxy transaction information, the comparison agent information, and the comparison proxy transaction approval information input from the proxy to the proxy transaction information stored in the proxy information storage unit 450, the proxy information, , A proxy transaction approval message is output.

Hereinafter, the operation of the above-described proxy transaction procedure simplifying device reader 400 will be described by way of example. First, the agent prepares an identification card of an agent and a proxy transaction procedure simplification device (for example, an IC card) and visits the financial institution.

The agent connects (contacts) the proxy transaction procedure simplification device to the proxy transaction procedure simplification device reader 400 according to the guidance of the financial institution agent. The portable communication device identification unit 410 determines whether the surrogate transaction procedure simplification device connected to the agent has been issued to a specific user at the financial institution, and transmits the determination result to the information request signal transmission unit 430.

The information request signal transmission unit 430 transmits the proxy transaction information, the proxy information, and the proxy transaction approval information stored in the proxy transaction procedure simplification device, if the proxy transaction procedure simplification device connected to the proxy is found to be issued by the corresponding financial institution And sends a requesting information request signal to the proxy transaction procedure simplification device.

The proxy information storage unit 450 receives the proxy transaction information, the proxy information, and the proxy transaction approval information in response to the information request signal, and receives and stores the information. Here, the proxy transaction information is information on a plurality of proxy actions previously designated by the user. In addition, the agent information is information about a representative of a user who is an agent, and the scope of the agency. Finally, the proxy transaction approval information is information that the user informs the agent in the process of appointing the agent, and consists mainly of a password including letters and numbers.

Then, the agent can input the comparison agency transaction information, the comparison agent information, and the comparison agency transaction approval information through the keypad according to the guidance of the agent, and the information inputted by the agent is compared with the information stored in the agent information storage unit 450 do. The agent inputs at least one proxy job instructed by the user, and further inputs the name of the proxy, the resident number, the information of the user who has appointed the proxy, and the proxy transaction approval information informed by the user.

The approval message output unit 470 compares the information input by the proxy with the information stored in the proxy information storage unit 450, and outputs a proxy transaction approval message if all the pieces of information are identical. After the agent transaction approval message is output, the agent will have the authority of the user on that transaction on the same day, and the agent's behavior will remain the same for the user.

FIG. 5 is a flowchart illustrating an example of a proxy transaction procedure simplification method according to the present invention.

5 can be implemented by the surrogate transaction procedure simplifying apparatus according to FIG. 2, so that a description overlapping with that shown in FIG. 2 will be omitted.

First, the financial institution communication unit receives the information transmission request signal of the financial institution (S510).

The financial institution judgment unit analyzes the information transmission request signal received by the financial institution communication unit to determine which financial institution has transmitted the information transmission request signal and judges whether the determined financial institution matches the predetermined financial institution (S530). Subsequently, the financial institution judging section transmits to the proxy information processing section a result of judging whether the financial institution identified by the information transmission request signal matches the predetermined financial institution.

If the financial institution identified in step S530 matches the financial institution preset in step S530, the proxy information processing unit may include proxy transaction information for the transaction type that the proxy can deal with on behalf of the user (the principal), proxy information on the personal information of the proxy, At least one of the proxy transaction information, the proxy information, and the proxy transaction approval information is extracted from the storage unit storing the transaction approval information (proxy password) (S550). If the financial institution identified in step S530 does not match the predetermined financial institution, the proxy information processing unit waits until it receives the information transmission request signal of the new financial institution.

As an alternative embodiment of step S550, the storage unit may further include proxy transaction required document information as well as the above-described proxy transaction information, proxy information, and proxy transaction approval information. Here, the proxy transaction required document means information about the documents that the proxy must prepare in advance in order to perform transactions on behalf of the user.

In this alternative embodiment, when the financial institution judged by the financial institution judging unit matches the predetermined financial institution, the proxy information processing unit may determine that the proxy transaction information, the proxy information, the proxy transaction Approval information, and proxy transaction required document information from the storage unit.

The proxy information processing unit includes the information extracted in step S550 in a response signal corresponding to the information transmission request signal of the financial institution, and controls the communication unit to transmit the response signal to the financial institution (S570). According to the optional embodiment of the step S550, if the proxy transaction required document information is included in the storage unit, the proxy information processing unit can control the communication unit to transmit the response signal further including the proxy transaction required document information to the financial institution .

FIG. 6 is a flowchart illustrating an exemplary method of updating an agent transaction procedure simplification apparatus according to the present invention.

The method for updating the surrogate transaction procedure simplifying apparatus according to FIG. 6 can be implemented through the surrogate transaction procedure simplifying apparatus updater described with reference to FIG. 3, and thus a description overlapping with that described in FIG. 3 will be omitted.

Upon receipt of the login information from the user, the login information transmission control unit controls the communication unit to transmit the login information to the server of the financial institution (S610). A user can input login information by touching a touch panel or inputting a button provided in a smart phone in a state in which a proxy transaction procedure simplifying device renewer is implemented in a user terminal such as a smart phone, The login information is transmitted to the login information transmission control unit.

Then, after the server of the financial institution receives the login information from the login information transmission control unit through the communication network, it determines whether or not the login information is valid, generates the login response information based on the determination result, The communication unit searches the portable communication apparatus issued by the financial institution based on the login response information (S630). Here, the portable communication apparatus means the proxy transaction procedure simplifying apparatus described with reference to FIG.

As an alternative embodiment, the communication unit can communicate with the portable communication device by a non-contact short distance communication method based on an RFID chip. Here, the portable communication device is located at a short distance from the proxy transaction procedure simplification device renewal device in this embodiment, and exchanges various data with the proxy transaction procedure simplification device renewal device. Further, the communication unit can communicate with a server of a financial institution through various wired / wireless communication networks such as a general telephone network, a data network, and a mobile communication network.

Upon receiving the log-in response information corresponding to the log-in information from the server of the financial institution, the communication device search unit searches for a portable communication apparatus within a predetermined range based on the log-in response information (S650). As an example, the communication device search section may activate a contactless local communication (NFC) function to detect whether there is a portable communication device, and in this example, the portable communication device includes an integrated circuit chip including a contactless local communication function It can be an IC card.

When the portable communication apparatus is searched, the user change information transmission control unit controls the portable communication apparatus to transmit user change information for changing the proxy transaction related information of the user stored in the portable communication apparatus (S670).

According to the method for simplifying the proxy transaction procedure according to the present embodiment, the user receives various documents required for the proxy transaction through the Internet through a user terminal such as a smart phone, generates user change information based on the issued document, It is possible to update the contents of the portable communication apparatus storing the transaction related information.

Particularly, when the communication device search section searches for the portable communication device, the proxy transaction required document information stored in the portable communication device is grasped, and information indicating that the expiration date has expired or the remaining time is short , The user change information transmission control unit may control to output, via the user terminal screen, a notification message indicating that the user needs to update the proxy transaction required document information promptly based on the information determined by the communication device search unit.

The user confirms the notification message, updates the proxy transaction related information stored in the portable output device by issuing the document necessary for the proxy transaction with the smartphone (user terminal), or prints a document such as a corporate seal certificate that has not yet been issued to the Internet It is possible to update the proxy transaction related information stored in the portable output device by visiting the financial institution.

According to the present invention, a customer who has frequent proxy transactions can reduce costs related to issuance of various documents, and a foreign customer who has to abandon a proxy transaction due to the difficulty in preparing documents necessary for appointing a proxy and assigning proxy, Can be easily used.

In addition, as a financial institution such as a bank, it is possible to omit the procedure of directly receiving and confirming the delegated documents, thereby minimizing the number of personnel placed in the window due to an increase in the efficiency of the docking work and a reduction in the docking workload.

The embodiments of the present invention described above can be embodied in the form of a computer program that can be executed on various components on a computer, and the computer program can be recorded on a computer-readable medium. At this time, the medium may be a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, an optical recording medium such as CD-ROM and DVD, a magneto-optical medium such as a floptical disk, , A RAM, a flash memory, and the like, which are specifically configured to store and execute program instructions. Further, the medium may include an intangible medium that is implemented in a form that can be transmitted over a network, and may be, for example, a medium in the form of software or an application, which can be transmitted and distributed through a network.

Meanwhile, the computer program may be specifically designed and configured for the present invention or may be known and used by those skilled in the computer software field. Examples of computer programs may include machine language code such as those produced by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like.

The specific acts described in the present invention are, by way of example, not intended to limit the scope of the invention in any way. For brevity of description, descriptions of conventional electronic configurations, control systems, software, and other functional aspects of such systems may be omitted. Also, the connections or connecting members of the lines between the components shown in the figures are illustrative of functional connections and / or physical or circuit connections, which may be replaced or additionally provided by a variety of functional connections, physical Connection, or circuit connections. Also, unless explicitly mentioned, such as " essential ", " importantly ", etc., it may not be a necessary component for application of the present invention.

The use of the terms " above " and similar indication words in the specification of the present invention (particularly in the claims) may refer to both singular and plural. In addition, in the present invention, when a range is described, it includes the invention to which the individual values belonging to the above range are applied (unless there is contradiction thereto), and each individual value constituting the above range is described in the detailed description of the invention The same. Finally, the steps may be performed in any suitable order, unless explicitly stated or contrary to the description of the steps constituting the method according to the invention. The present invention is not necessarily limited to the order of description of the above steps. The use of all examples or exemplary language (e.g., etc.) in this invention is for the purpose of describing the present invention only in detail and is not to be limited by the scope of the claims, It is not. It will also be appreciated by those skilled in the art that various modifications, combinations, and alterations may be made depending on design criteria and factors within the scope of the appended claims or equivalents thereof.

Claims (10)

A financial institution communication unit for receiving an information transmission request signal of a financial institution or transmitting a response signal corresponding to the information transmission request signal;
A storage unit for storing surrogate transaction information on a transaction type that the agent can deal with on behalf of the user, agent information on the personal details of the agent, and a proxy password;
A financial institution judging unit for judging whether the financial institution identified in accordance with the received information transmission request signal matches a predetermined financial institution; And
A proxy information extracting unit for extracting at least one of the proxy transaction information, the proxy information, and the proxy password from the storage unit according to the information transmission request signal, And a processing unit for simplifying the proxy transaction procedure. The method according to claim 1,
Wherein,
Further comprising proxy transaction required document information for a document corresponding to each transaction type included in the proxy transaction information,
The proxy information processing unit,
Extracting at least one of the surrogate transaction information, the proxy information, the proxy password, and the proxy transaction required document information from the storage unit according to the information transmission request signal if the financial institution matches the predetermined financial institution, And the response signal is included in the response signal. A communication unit for communicating with a server of the financial institution and a portable communication device issued by a financial institution to a user;
A login information transmission control unit which controls the communication unit to transmit the received login information to the server when the login information is received from the user;
A communication device search unit for searching, when the communication unit receives login response information corresponding to the login information from the server, whether or not the portable communication device exists within a predetermined range based on the received login response information; And
And a user change information transmission control unit that controls the portable communication device to transmit user change information for changing the proxy transaction related information stored in the portable communication device to the portable communication device through the communication unit when the portable communication device is searched Surrogate transaction procedure simplification device renewal The method of claim 3,
The portable communication device is an integrated circuit card including a contactless local communication function,
When the communication unit receives the log-in response information, the communication unit searching unit determines whether there is an IC card including a non-contact short distance communication function issued by the financial institution to the user within a preset range based on the received log- Wherein the proxy transaction procedure simplifying device renewer comprises: A portable communication device identification unit for determining whether the detected portable communication device is issued to a user from a predetermined financial institution when connection of the portable communication device is detected;
When it is determined that the sensed portable communication device is issued to the user from the predetermined financial institution, the portable communication device may include proxy transaction information on a transaction type that the proxy can deal with on behalf of the user, An information request signal transmission unit for transmitting an information request signal for requesting proxy information and proxy password for the item;
A proxy information storage unit for receiving and storing the proxy transaction information, the proxy information and the proxy password from the portable communication device in response to the information request signal; And
And an approval message output unit outputting a proxy transaction approval message if the comparison agent transaction information, the comparison agent information, and the comparison agent password input from the proxy match the proxy transaction information, the proxy information, and the proxy password, respectively Simplifying device transaction procedures. An information transmission request signal step of receiving an information transmission request signal of a financial institution;
A financial institution determining step of determining whether the financial institution identified according to the received information transmission request signal coincides with a predetermined financial institution;
If the financial institution agrees with the pre-set financial institution, the agent transmits the proxy transaction information on the transaction type that the proxy can deal with on behalf of the user, the agent information on the personal information of the agent, Extracting proxy information from the storage unit to extract at least one of the proxy transaction information, the proxy information, and the proxy password; And
And a response signal transmission control step of controlling the transmission of the information extracted in the extracting step of the proxy information to the financial institution by including the extracted information in a response signal corresponding to the information transmission request signal. The method according to claim 6,
Wherein,
Further comprising proxy transaction required document information for a document corresponding to each transaction type included in the proxy transaction information,
The agent information extracting step includes:
Extracting from the storage unit at least one or more of the proxy transaction information, the proxy information, the proxy password, and the proxy transaction required document information according to the information transmission request signal if the financial institution coincides with the predetermined financial institution A method of streamlining proxy transaction procedures characterized. A login information transmission control step of, upon receipt of login information from a user, controlling the received login information to be transmitted to a server of a financial institution;
When the login response information corresponding to the login information is received from the server, searches for a communication device that searches for a portable communication device issued by the financial institution to the user within a predetermined range based on the received login response information step;
And a user change information transmission control step of controlling, when the portable communication device is searched, user change information for changing the proxy transaction related information of the user stored in the portable communication device to be transmitted to the portable communication device A method for updating a simplified device. 9. The method of claim 8,
The portable communication device is an integrated circuit card including a contactless local communication function,
The communication device searching step includes:
And when it receives the login response information, searches whether there is an IC card including a non-contact short distance communication function issued by the financial institution to the user within a predetermined range based on the received login response information A method for updating the proxy transaction procedure simplification device. A computer-readable recording medium storing a program for executing the method according to any one of claims 8 and 9.
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KR20190124062A (en) * 2018-04-25 2019-11-04 주식회사 신한은행 Method and server for providing financial service

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